Browsing by Author "Mazlynda Md Yusuf"
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Publication Corporate Social Responsibility Profile Of Malaysian Banking Institution(Australian Journal of Basic and Applied Sciences, 2015) ;Mohamad Yazis Ali Basah ;Safwan Hamdy ;Mazlynda Md Yusuf ;Hisham SabriKhairil Faizal KhairiCorporate social responsibility (CSR) has had a long and varied history since its beginnings in the early 1930s (Berle and Means, 1932; Carroll, 1999). It has become part of the corporate agenda for business development and survival, and is considered important in explaining business relationships and business management in order to achieve business goals. CSR acts by providing a framework for strategic management and business relationship among various stakeholders. In general, CSR can be divided into four main dimensions: the environmental, the human resource, the philanthropic, and human rights. The study tries to investigate on how the Malaysian Banking Institutions react towards these four dimensions of CSR. For that purpose, this paper employed content analysis of five years periods of annual report of Malaysian Banking Institutions. Its comprises of total 43 banks which include 8 local commercial banks, 19 foreign commercial banks, 10 local Islamic banks and 6 foreign Islamic banks. The study found that, human resource dimension are the most popular CSR activities in Malaysian banking institutions. The environment dimension is among the least CSR activities followed with human resource issues. From the result, we identify on how CSR issues being implemented in Malaysian banking sector. It is very useful for the industry for better improvement on CSR implementation. - Some of the metrics are blocked by yourconsent settings
Publication Expanding Abridge Life Table by Using Heligman Pollard Method: Malaysian Experience 2010-2013(Center for Promoting Ideas, USA, 2015) ;Muhammad Syahmi Siran ;Mazlynda Md Yusuf ;Yumn Suhaylah YusoffMohamad Yazis Ali BasahMortality rate is the measurement of the number of death in certain population and it is scaled to the size of the population per unit time. The study of mortality rate is meant to find ways to extend the survival of an individual to reduce the mortality rate. Mortality rate is also one of the important elements in determining the premium in insurance pricing. In Malaysia, Census department will take the responsibility to determine the total number of population and the data will be presented in the form of five years age group called Abridged Life Table. This paper used the Abridged data and to obtain the rate for each age, Heligmann Polard Method was applied to expand the Abridged Life table into a complete table. - Some of the metrics are blocked by yourconsent settings
Publication Exposure to Contagion: Perceived Risks and Travel Behavioural Shifts in Malaysia during COVID-19 Pandemic(USIM Press, 2021-10) ;Mazlynda Md YusufNur Liyana Aqilah AzharAt the beginning of March 2020, the Coronavirus pandemic was acknowledged as a great confrontation that shook the travel organisations’ core. Indeed, it provides such a profound disturbance to the industry. It gives a preview of Malaysian travellers’ discernments in a distinctive point of time - the times of the COVID-19 linked to the worldwide lockdown and restriction movement order. Therefore, this study examines the relationship between perceived risks and Malaysian travel behaviour due to the COVID-19 pandemic and identifies the risk factors that influenced Malaysian travel behaviour. This study was focused on a random sampling among Malaysians who had experienced the pleasure of travelling. The questionnaire was designed to measure travel behaviour and several perceived risks, including travel, psychological, safety, security, financial, and health. Ordered Probit regression and test statistic scores disclosed that perceived psychological risk, perceived financial risk, and perceived health risk significantly impacted and positively correlated to Malaysian travelling behaviours due to COVID-19. The perceived risk factors further showed that anxious feelings existed to enjoy travelling during the pandemic. It shows that Malaysians travel behavioural had shifted due to the COVID-19 outbreak. - Some of the metrics are blocked by yourconsent settings
Publication Financial Development and Economic Growth Evidence from Malaysia(Universiti Sains Islam Malaysia, 2007) ;Mohamad Yazis Ali Basah ;Mazlynda Md YusufHisham SabriFor the past decade, a plenty of literature has examined the empirical relationship between economic growth and financial development. An important question of the literature is whether the financial systems influenced growth or vice versa, in the long run. The question of financial development and economic growth is an egg-and-chicken question. Which one comes first, economic growth or financial development? The study seeks to address the question of what is the relationship between financial developments and economic growth in Malaysia. This research study aims to fill the gap and provide the base for further investigation analysis. In this research the writer use dynamic ordinary least square (DOLS) and investigate the relationship between economic growth and financial developments. From (DOLS) model a further investigation of granger causality are also tested to identify direction of causality. The results indicate that there is a weak evidence on long run relationship between economic growth and financial developments. There was no causality relationship between capital market and economic growth however, banking development identified as a lead factor towards economic growth in Malaysia. - Some of the metrics are blocked by yourconsent settings
Publication Funding For Long-term Care Cost: An Analysis Among Malaysian Elderlies In Selangor(UPM Press, 2022) ;Mazlynda Md Yusuf ;Sharifah Fairuz Syed Mohamad ;Nurin Amni Mohd ArshadRose Irnawaty IbrahimMalaysia is expected to be an aged nation with more than 15% of the population that are over 60 years of age. It is projected to age by 2030, with a 15.3% old population. Cost of providing aged caregiving medicine and facilities is likewise demonstrated to follow similar pattern of an ageing population. This study found that the source to finance the long-term care cost among 276 elderlies in Selangor are mainly from the family with duration between 4 to 5 years. It can be concluded that retirement savings and pension funds are not sufficient to pay for the long-term care cost. - Some of the metrics are blocked by yourconsent settings
Publication Impact Of An Ageing Population On Pension Expenditure Using Autoregressive Distributed Lag Model(The Academy of Sciences Malaysia, 2019) ;Rose Irnawaty Ibrahim ;Mazlynda Md YusufWan Nur Azifah Wan Mohd AbrisamMany countries including Malaysia are facing a rapidly ageing population. According to Malaysian Healthy Ageing Society (MHAS), Malaysia is also inevitably moving towards ageing population as those aged 60 years and above have grown from 6.2% in 2000 and is expected to hit 13.6% by 2030. Due to the inevitable ageing problem, it shows that pension expenditure has been tripled in the past ten years and thus an ageing population will cause pension expenditures in national budget to rise. Therefore, this study aims to forecast the Malaysian ageing population and analyse the impact of ageing population on Malaysian pension expenditure. The study used the Cohort Component Method to forecast the trend of ageing population, while Autoregressive Distributed Lag Model to analyse the impact of ageing population on pension expenditure. The component of old age dependency ratio, life expectancy, fertility rate, gross saving, unemployment rate and gross domestic product are used as ageing variables against pension expenditure. The results showed that Malaysia is anticipated to experience ageing population in future and life expectancy is the most significant variable that affects pension expenditure. - Some of the metrics are blocked by yourconsent settings
Publication Islamic Bank and Corporate Social Responsibility (CSR)(European Journal of Business and Management (EJBM), 2013) ;Mohamad Yazis Ali BasahMazlynda Md YusufIslamic banking has been in the market for almost fifty years, since its inception during the 1960s. Since that time, Islamic banking has rapidly developed and is no longer a strange concept. The products and services provided have been well accepted, not only among Muslim countries but also non-Muslim countries. However, there is a lack of discussion on how Islamic back perform in term of corporate social responsibility compare than conventional bank. The paper aims to analyze the relationship of Islamic bank and CSR performance. It is a conceptual attempt to discuss on how Islamic principles of Islamic bank can influence the implementation of CSR. The religious characteristics that acted as a foundation for the establishment of Islamic banking are expecting to have an influence on corporate social responsibility. For that, the paper examines and analyse the relevant literature and develop the relationship between Islamic bank concept and CSR. The paper found that, the concept of Islamic bank that comply with religious provision should exhibit more proactive CSR activity and policies. Islamic bank performance should superior compare than conventional bank counterpart. - Some of the metrics are blocked by yourconsent settings
Publication Islamic Credit Risk Management In Murabahah Financing-the Study Of Islamic Banking In Malaysia(AENSI Publications, 2014) ;Siti Nor Amira Mohamad ;Mohamad Yazis Ali Basah ;Muhammad Ridhwan Ab Aziz ;Khairil Faizal Khairi ;Mazlynda Md YusufHisham SabriBackground: The understanding of risk and the concept of it is occurs associated in Islamic financing was well-known in financial industry by the using of Profit-and-Loss Sharing (PLS). It was presently in any Islamic financial transactions in order to comply with shariah rules. However, the existence of risk in Murabahah contract of financing is an ability that the counterparty is unable to completes its obligations within the agreed terms. Therefore, it is called as credit or default risk. Credit risk occurs when the client fails to make timely payment after the bank makes complete delivery of assets. Thus, it affects the growth of the bank as the banking business is in no position to have appropriate measures to cover the risk. Therefore, the bank may impose penalty on the outstanding balance. Objective :This paper aims to highlight the credit risk determinant and issues surrounding in Islamic bank in Malaysia in terms of Murabahah financing and how to manage it by using the proper techniques. Finally, it explores the credit risk management concept that might solve the problems arise .Results: The study found that the credit risk can be managed properly by improving the use of comprehensive reference checklist of business partners on their character and past performance as well as their comprehensive database. Conclusion: Besides that, prevention of credit risk can be done by using collateral as security against the risk and we also argue on the Shariah guidelines and procedures should be implement coherently by the banking business because so that the risk would be control by having an effective instrument for Islamic modes of financing. - Some of the metrics are blocked by yourconsent settings
Publication Natural Environmental Risk Mangement In Financial Sector: A Study On Equator Principles(Zes Rokman Resources, 2013) ;Mazlynda Md YusufMohamad Yazis Ali BasahNatural environmental risk management is not a new agenda in financial sector business activities. It has received great attention worldwide through the critics of financial sector that involve directly in natural environmental issues. Because of this development, in 1992 United Nation (UN) had introduced United Nation Environmental Programme as code of conduct containing principles that banks should follow if they are to deal with natural environmental issues in the running of their business. Due to this development, in 2002, ten commercial banks held a meeting in London to discuss environmental and social issues in project financing. Four banks, ABN Amro, Barclays, WestLB, and IFC, presented case studies on past projects which had attracted controversy because of environmental and social issues. The meeting led to establishment of Equator Principles (EPs) known as code of conduct for financial institution to deal with natural environmental issues in project financing. From the study, it showed that natural environmental issues has big impact towards financial sector and realizing this phenomenon, financial sector has taken proactive role by introducing EPs. - Some of the metrics are blocked by yourconsent settings
Publication Pre-Retirement Withdrawal in EPF: An Exploratory Study of Employees in Malaysia(American-Eurasian Network for Scientific Information, Jordan, 2014) ;Mazlynda Md Yusuf ;Mohamad Yazis Ali BasahYumn Suhaylah YusoffBackground: The increase in life expectancy along with the demographic pattern moving towards ageing population especially among women has exposed women to face higher risk of poverty in later life. Employees Provident Fund in Malaysia is a defined contribution plan that provides benefits during retirement based on the amount saved in the fund. However, the allowance of making pre-retirement withdrawals during employment leads to problems in the adequacy of retirement income and this in turn gives impact upon the quality of life in retirement. Objective: The objectives of this study are to examine the impact of pre-retirement withdrawals on income during employment and to identify either men or women would face higher risk of poverty during old age. Results: The results has found that with pre-retirement withdrawals, women are unlikely to maintain their standard of living under the present retirement scheme due to low replacement rates and they face higher risk of poverty compared to men. Conclusion: In conclusion, the implementation of pre-retirement withdrawal exposed women to face higher risk of poverty in old age. Therefore, the policymaker should review the implementation of this policy by giving options to employees in Malaysia in order to balance a comfortable living during employment and after retirement. - Some of the metrics are blocked by yourconsent settings
Publication Racial and Religion Influence Towards Natural Environmental Risk Management Evaluation in Credit Financing(Springer Nature Singapore Pte Ltd., 2017) ;Mohamad Yazis Ali BasahMazlynda Md YusufCorporate social responsibility (CSR) concept has a long and varied history. In the West, there has been extensive literature highlighting CSR that concentrates on natural environmental management and social and cultural differences. However, such research is lacking in the Malaysian context. This study tries to investigate environmental management in Malaysia’s banking sector and how bank managers perceive environmental risk in their credit financing assessment process. Malaysia was chosen for this study as it has dual banking systems (conventional and Islamic banking), which allows to investigate the performance of environmental management of both types of banks. For these purposes, the questionnaire survey was conducted to the managers and executives in the corporate banking department where their main task is to evaluate and recommend credit financing approval. The findings via questionnaire survey suggest that, generally, Malaysian banking viewed natural environmental issues as a secondary factor in credit evaluation. Their view towards natural environmental risk is also significantly influenced by racial groups and religious affiliations. In conclusion, the study showed that social and cultural differences may influence the perception of environmental management. - Some of the metrics are blocked by yourconsent settings
Publication The Relationship Between Socioeconomic Factors With Fertility Rate In Malaysia(UiTM Press, 2022) ;Ahmad Muadz Bin ZulqarnainMazlynda Md YusufThe issue of an ageing population is on the rise globally, and Malaysia is not excluded from facing this issue. Past literature has recognized that the declining fertility rate is one of the main factors that lead to this problem. However, along with the declining fertility rate in Malaysia over time, there are also changes in social and economic factors such as increment in female labor participation, higher house income and consumption expenditure, increasing inflation and changes in the demographic of the population. The study has become a concern since these factors could affect the declining fertility rate. Hence, this study is conducted (1) to analyze the significant socioeconomic factors that affected fertility rate decline in Malaysia; (2) to investigate the short-run and long-run relationship between socioeconomic factors and fertility rates in Malaysia; and (3) to determine the direction of the causal relationship between each of the socioeconomic factors and fertility rates in Malaysia. The Autoregressive Distributed Lag (ARDL) model was conducted for the first and second objectives, while the Granger Causality test was conducted for the third objective. The research is conducted to investigate the stated relationship between the period in the year 1982 to 2019. It can be concluded that income, household consumption expenditure and the female labor force are related to fertility in the short and long run. At the same time, inflation and population ethnicity are only related in the long run. - Some of the metrics are blocked by yourconsent settings
Publication Reserve Fund Optimatization Model For Digital Banking Transaction Risk With Extreme Value-at-risk Constraints(MDPI, 2023) ;Moch Panji Agung Saputra ;Diah Chaerani ;SukonoMazlynda Md YusufThe digitalization of bank data and financial operations creates a large risk of loss. Losses due to the risk of errors in the bank’s digital system need to be mitigated through the readiness of reserve funds. The determination of reserve funds needs to be optimized so that there is no large excess of reserve funds. Then the rest of the reserve fund allocation can be used as an investment fund by the bank to obtain additional returns or profits. This study aims to optimize the reserve fund allocation for digital banking transactions. In this case, the decision variable is value reserved based on potential loss of each digital banking, and the objective function is defined as minimizing reserve fund allocation. Furthermore, some conditions that become limitation are rules of Basel II, Basel III, and Article 71 paragraph 1 of the Limited Liability Company Law. Since the objective function can be expressed as a linear function, in this paper, linear programming optimization approach is thus employed considering Extreme Value-at-Risk (EVaR) constraints. In the use of EVaR approach in the digital banking problem, it is found that the loss meets the criteria of extreme data based on the Generalized Pareto Distribution (GPD). The strength of reserve funds using linear programming optimization with EVaR constraints is the consideration of potential losses from digital banking risks that are minimized so that the allocation of company funds becomes optimum. While the determination of reserve funds with a standard approach only considers historical profit data, this can result in excessive reserve funds because they are not considered potential risks in the future period. For the numerical experiment, the following risk data are used in the modeling, i.e., the result of a sample simulation of digital banking losses due to the risk of system downtime, system timeout, external failure, and operational user failure. Therefore, the optimization model with EVaR constraints produces an optimal reserve fund value, so that the allocation of bank reserve funds becomes efficient. This provides a view for banking companies to avoid the worst risk, namely collapse due to unbalanced mandatory reserve funds. - Some of the metrics are blocked by yourconsent settings
Publication Risks in Islamic Banks: Challenges and management(Medwell Journals, 2018) ;Mohamad Yazis Ali Basah ;Siti Nor Amira Mohamad ;Muhammad Ridhwan Ab. Aziz ;Khairil Faizal Khairi ;Nur Hidayah Laili ;Hisham Sabri ;Mazlynda Md Yusuf ;Faculty of Economics and MuamalatUniversiti Sains Islam Malaysia (USIM)Risks are significant and become more complicated in Islamic banks compared to conventional banks, since, the uniqueness of contractual features and general legal environment. The complexity of contracts could raise the risks of Islamic banks. Different types of risks in Islamic banks have attracted more attention from the regulators, practitioners and also academics over the last decade. This study will assess key challenges and management of risks in Malaysian Islamic banks. Analysis used in this study is regarding to previous studies as to deliberate the challenges of different types of risks in Islamic banks. The empirical studies in this study will fill the gap to the existing literature of risks in Islamic banks by showing the needs of specific adaption of risk measurement and risk management practices due to the nature of Islamic banks. � Medwell Journals, 2018. - Some of the metrics are blocked by yourconsent settings
Publication A Study Of CSR Activities Among Malaysian Banks: Comparison Between Islamic Banks And Conventional Banks(AENSI Publisher, 2015) ;Mohamad Yazis Ali Basah ;Safwan Hamdy ;Mazlynda Md Yusuf ;Khairil Faizal KhairiHisham SabriCorporate social responsibility (CSR) has had a long and varied history since its beginnings in the early 1930s (Berle and Means, 1932; Carroll, 1999). It has become part of the corporate agenda for business development and survival, and is considered important in explaining business relationships and business management in order to achieve business goals. CSR acts by providing a framework for strategic management and business relationship among various stakeholders. In general, CSR can be divided into four main dimensions: the environmental, the human resource, the philanthropic, and human rights. The study tries to investigate on how the Malaysian Banking Institutions react towards these four dimensions of CSR. As Malaysian banking system is unique by implementing dual banking system (Conventional bank as well as Islamic Bank. The study tries to explore on how Islamic bank differ with conventional counterpart. For that purpose, this paper employed content analysis of five years periods of annual report of Malaysian Banking Institutions. It comprises of total 39 banks which include 17 conventional banks and 12 Islamic Banks. The study found, Conventional banks have better implementation of CSR dimensions compare to Islamic Banks. The finding is interesting to be explored further on why least performance of Islamic Bank compare to Conventional Bank. Keywords: Corporate Social Responsibility (CSR) Islamic Banks - Some of the metrics are blocked by yourconsent settings
Publication A Systematic Review on The Insurability Risk for Long-Term Care Insurance in Europe and Asia Countries(USIM Press, 2020) ;Nurin Amni ArshadMazlynda Md YusufDue to the trends of the increase in life expectancies and decrement in fertility rates, the world population is moving towards becoming an ageing nation. With the rise in the number of older people, the demand for long-term care services is expected to increase. Long-term care services are ubiquitous in the developed country, especially in the European region as the countries have become the aged nations. Apart from that, the cost for long-term care services differs for individuals based on the level of needs and the service provider, either public or private nursing home for long-term care. Due to the growing cost of long-term care services, a long-term care insurance policy may be seen as an alternative to covering the cost of long-term care services because the risk is mitigated for individuals. However, most Asian countries are not familiar with the long-term care insurance policy as there is no specific insurance policy for long-term care services offered yet in these countries. The essential factor in constructing a long-term care insurance policy is to identify the risks that are insurable to be included in the policy to be used later for pricing long-term care insurance policy in Malaysia. This study provides an in-depth review and understanding of the insurable risks associated with long term care insurance in European and Asian countries. - Some of the metrics are blocked by yourconsent settings
Publication A Systematic Review on The Insurability Risk for Long-Term Care Insurance in Europe and Asia Countries(Penerbit USIM, Universiti Sains Islam Malaysia, 2020-12-25) ;Nurin Amni ArshadMazlynda Md YusufDue to the trends of the increase in life expectancies and decrement in fertility rates, the world population is moving towards becoming an ageing nation. With the rise in the number of older people, the demand for long-term care services is expected to increase. Long-term care services are ubiquitous in the developed country especially in the European region as the countries have become the aged nations. Apart from that, the cost for long-term care services differs for individuals based on the level of needs and the service provider either public or private nursing home for long-term care. Due to the growing cost of long-term care services, a long-term care insurance policy may be seen as an alternative to covering the cost of long-term care services because the risk is mitigated for individuals. However, most Asian countries are not familiar with the long-term care insurance policy as there is no specific insurance policy for long-term care services offered yet in these countries. The essential factor in constructing a long-term care insurance policy is to identify the risks that are insurable to be included in the policy to be used later for pricing long-term care insurance policy in Malaysia. This study provides an in-depth review and understanding of the insurable risks associated with long term care insurance in the European and Asian countries