Browsing by Author "Nuradli Ridzwan Shah Mohd Dali"
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Publication Amid Covid-19: The Rise of Gaming Addiction(Human Resource Management Academic Research Society, 2023) ;Nur Faizah Abdul Kahar ;Farhana Sabri ;Hanifah Abdul Hamid ;Nuradli Ridzwan Shah Mohd DaliAzreena Abu BakarThe COVID-19 pandemic has had a huge impact on the social lifestyles of millions of people all over the world. It is a serious threat to public health and has spread rapidly around the world. The World Health Organization (WHO) confirmed the first reported case, which originated in Wuhan, on January 12, 2020. Meanwhile, on January 25, 2020, the first case in Malaysia was reported. To break the Covid-19 chain, the Malaysian government imposed a Movement Control Order (MCO) on March 18, 2020. The purpose of this study was to determine the impact of the covid-19 outbreak on the gaming addiction situation among Malaysian adolescents through the implementation of MCO. METHODOLOGY: This study focuses on Malaysian adolescents aged 18 to 21 who engage in online gaming, either mobile gaming or desktop gaming. The study's methodology includes an online survey via Google Forms and an online focused group (FG) session. Before being invited to the focused group discussion, participants were asked to complete an online screening survey using Dr. Kimberly S. Young's Young - Internet Addiction Diagnostic Questionnaire (IADQ; 1998). (FGD). The FGD result is recorded and transcribed for the analysis process. RESULT: Participants reported spending 4 to 5 hours on weekdays and more than 6 hours on weekends playing Mobile Legend (ML), their preferred online gaming platform. Furthermore, it was reported that siblings and friends influenced respondents to participate in online gaming - Some of the metrics are blocked by yourconsent settings
Publication The Antecedents Of Waqif's Loyalty In Cash Waqf From The Individual Perspective(Human Resource Management Academic Research Society, 2019) ;Intan Fatimah Anwar ;Syadiyah Abdul Shukor ;Nuradli Ridzwan Shah Mohd DaliMuhamad Azrin NazriWaqf, defined as a piece of property that been preserved for benevolent and altruism purposes is one of the Islamic instruments that plays a significant role in the socio-economic sector to many of the Islamic countries. There are many types of waqf and one of them is cash waqf or waqf share. Cash waqf involves a sum of money or in a form of shares which is endowed by waqifs and handled by the waqf institution who its role is to assist benevolent causes and projects for community. In Malaysia, cash waqf is seen to have potential to be developed and promoted due to factors such as flexibility, convenience and speed to gain collection in funding waqf projects. Hence, this study aims to investigate antecedents of loyalty in cash waqf from the waqifs’ perspective. This conceptual paper reviews literature related to waqifs internal attributes towards loyalty in cash. Based on the literature, it is proposed that waqifs’ internal attribute towards loyalty in cash waqf is influenced by attitude, knowledge and experience that will helps to encourage repetitive endowment by waqifs. Keywords: Waqf Endowment, Cash Waqf, Waqif, Individual Perspective And Loyalty. - Some of the metrics are blocked by yourconsent settings
Publication Application Of Social Cognitive Theory And Islamic Theory Of Consumer Behavior In Accessing Muslim Behavior Toward Halal Nutraceuticals(Emerald Publishing Limited, 2024) ;Siti Nurunnajwa Shamsudin ;Elistina Abu Bakar and Syuhaily OsmanNuradli Ridzwan Shah Mohd DaliPurpose – This study aims to explore the factors influencing Muslim behavior toward halal nutraceutical products in Malaysia. Design/methodology/approach – This study used a quantitative survey approach to 400 Muslim respondents in Malaysia who have experience in consuming or purchasing nutraceutical products. The sampling technique used was multistage stratified sampling, and the data was analyzed using structural equation modeling. Findings – This study revealed that perceived safety is the most influential factor contributing to Muslims’ behavior toward halal nutraceutical products in Malaysia, followed by Islamic values, trust, religiosity, maqasid al-Shariah and halal literacy. Research limitations/implications – This study has only focused on halal nutraceutical products from the perspective of Muslim consumers in Malaysia. Originality/value – This study contributes to understanding the factors that influence Muslim consumers’ behavior toward halal nutraceutical products by adopting the Social Cognitive Theory and Islamic Theory of Consumer Behavior. - Some of the metrics are blocked by yourconsent settings
Publication Brand Awareness Among Consumers In Malaysia: A Study On Halal Branding(Universiti Sains Islam Malaysia, 2007) ;Mohammad Noorizzuddin Nooh ;Norhaziah Nawai ;Nuradli Ridzwan Shah Mohd DaliHartini MohammadSince Malaysia is heading towards being a global Halal hub, this research is very crucial to give ideas on the receptions of Muslim consumers towards Halal branding. The objectives of the research are to measure the awareness of consumers towards Halal products particularly in the food product line, to determine whether the Halal logo has any influence in consumer purchase decision, to determine whether religion has any influence in purchasing Halal food products, to identify the relationship between brand image and the existence of Halal logo with the customer's purchase decisions, and to identify the relationship between price and the existence of Halal logo with the customer's purchase decision. A survey was conducted on selected 1075 samples from Johor, Malacca, Selangor, Negeri Sembilan, Kuala Lumpur, Perak, Penang, and Pahang. In terms of research tools, the researchers use descriptive analysis to analyze the frequency of each variable, factor analysis to reduce the number of variables and to detect structure in the relationship between the variables or to classify the variables, mean to measure the awareness of consumers towards halal products. For further analysis this study applied the Chi-square to determine whether the Halal certification has any influence in consumer purchase decision. ANOVA is used to determine whether religion has any influence in purchasing Halal food products. A correlation analysis is being done to analyze the relationship between variables such as brand image and price and the existence of Halal certification with the customer's purchase decisions. One significant finding is that the respondents agree that Halal products are for everybody and not only confined to Muslims consumption. Apart from that, they also believe that the Halal certification should not only be given to companies owned by Bumiputera. On the manufacturers' side, they have to improve the quality, design and packaging as well as adding values to their current products. On the government side, they have impose stricter regulation regarding Halal certification and also make grants available to Muslim entrepreneurs in terms of product development. - Some of the metrics are blocked by yourconsent settings
Publication Characteristics Of Trust Among Successful Entrepreneurs In The Catering Services Industry In Malaysia(Center for Promoting Ideas, USA, 2020) ;Suhaila Nadzri ;Siti Syuhada Abd Rahman ;Nuradli Ridzwan Shah Mohd Dali ;Mohamad Sabri HaronSalmy Edawati YaacobIn the current scenario, the catering services industry in Malaysia is growing rapidly and is dominated by Muslim entrepreneurs. However, there are many ethical issues related to dishonesty such as cases of fraud, dishonesty, breach of promises and treachery associated with catering services reported in electronic and print media. Therefore, this study was conducted to explore the practice of trust among successful entrepreneurs in the catering services industry in the state of Selangor. This study is qualitative in nature through a semi-structured interview with eight successful entrepreneurs in the food and catering industry in the state of Selangor who have been in business for at least 10 years. Transcribed interview data were analysed using Atlas-ti-8 software to extract the required themes and categories. The study found that successful catering entrepreneurs emphasize the three elements of trust, namely responsibility, keeping promises, and being fair. These findings are in line with the Prophetic Leadership Management Wisdom (PROLM) model presented by Syafii Antonio (2013). However, there are four new elements of trust, namely avoiding usury or corruption, integrity, always remembering Allah, and avoiding the treachery that is also practiced by these successful entrepreneurs. It is hoped that this study can be used as a guide by Muslim entrepreneurs, especially in Malaysia to always practice trust that can help them be more successful and competitive in business. - Some of the metrics are blocked by yourconsent settings
Publication Comparison between Islamic and Non-Islamic Banks Ratios to Predict Amman Stock Exchange Banking Index(Asian Scholars Network, 2020) ;Ahmad Abdallah Ahmed AlswalmehNuradli Ridzwan Shah Mohd DaliThe purpose of this paper is to predict the banking sector index using financial ratios, and compare the capability of financial ratios for Islamic banks and financial ratios for non-Islamic Banks to predict the banking sector index in Amman Stock Exchange. The study used yearly data of three Islamic banks and thirteen non-Islamic banks during the period between 2005 and 2017. Ordinary least square method (OLS) has been utilized using seven financial ratios to predict the banking sector index. The findings revealed that the financial ratios can predict the banking sector index in Amman Stock Exchange. Mainly, the equity ratio (ER), debt (DR), and stock turnover (STR) of Islamic banks can predict of the banking sector index in Amman Stock Exchange. The quick ratio (QR), return on equity (ROE), return on assets (ROA), and market book value (MBR) of Islamic banks does not predict the banking sector index. In contrast, debt ratio (DR), stock turnover (STR), return on equity (ROE), return on assets (ROA), and price to book value (MBR) of non-Islamic banks can predict of the banking sector index. The equity ratio (ER) and a quick ratio (QR) of non-Islamic banks do not predict the banking sector index. Nevertheless, the findings also revealed that stock turnover ratio can predict of the banking sector index in Amman Stock Exchange for both Islamic and non-Islamic banks. - Some of the metrics are blocked by yourconsent settings
Publication A Comprehensive Review of Digital Addiction: A Bibliometric Analysis of Scientific Literature and Publication Patterns (2018-2023)(Penerbit USIM, 2023) ;Hanifah Abdul Hamid ;Nuradli Ridzwan Shah Mohd DaliFaizah Abd KaharDigital addiction has emerged as a pressing concern in contemporary society, as individuals increasingly engage in excessive and compulsive behaviors related to digital technologies. This study presents a comprehensive review of the scientific literature on digital addiction, aiming to identify key trends and publication patterns between 2018 and 2023. A bibliometric analysis search was conducted, retrieving 281 relevant articles from various scholarly databases. This study aims to identify the scientific literature on digital addiction and describe the publication pattern in these fields. Two hundred and eighty-one articles were retrieved between 2018 and 2023 related to digital addiction. - Some of the metrics are blocked by yourconsent settings
Publication Compulsive Online Shopping, Spending Habits, And Locus Of Control On Financial Vulnerability Among Malaysians(Malaysian Consumer and Family Economics Associatio, 2023) ;Nuradli Ridzwan Shah Mohd Dali ;Wan Rasyidah Wan Nawang ;Hanifah Abdul Hamid ;Umi Hamidaton Mohd Soffian LeeWan Nur Fazni Wan Mohamad NazarieAt a time when the world economy is uncertain, people need to be financially prepared to ensure stability. However, many people are prone to financial vulnerability because of their attitude and behaviour, apart from their environment. Some people have excessive online shopping lifestyles, poor spending habits, and a lack of self-control, leading them into a major debt trap and other financial obstacles that increase their financial vulnerability. This study aims to examine the impact of the abovementioned factors on the financial vulnerability of Malaysians. The online survey targeted Malaysian consumers and received 2241 responses. The data were analysed by Partial Least Square-Structural Equation Modelling (PLS-SEM) using Smart PLS software. The results show that compulsive online shopping behaviour has a negative impact on financial vulnerability, while spending behaviour and locus of control have a positive effect. The findings of this study hold significance for both academics and practitioners alike. Theoretically, this study adds to the limited knowledge base in financial health and promotes a better understanding of the behavioural and psychological factors that influence individuals' financial vulnerability. Practically, this study highlights the importance of collaboration between the government and relevant agencies in developing comprehensive strategies to improve the financial stability and well-being of Malaysians to achieve the country's goal of becoming a highincome country with a high standard of living. - Some of the metrics are blocked by yourconsent settings
Publication Conceptual Framework On Purchase Behavior Of Halal Nutraceutical Products(Universiti Sains Islam Malaysia, 2020-10-15) ;Siti Nurunnajwa Shamsudin ;Elistina Abu BakarNuradli Ridzwan Shah Mohd DaliNowadays, nutraceutical products have gained popularity among the consumers as they claimed the products are good for health benefits. The usage of nutraceutical products is common among Malaysians. Previous research discussed three main factors, which are attitude, subjective norms, perceived behavioral control in explaining consumers’ intention to purchase nutraceutical products. In addition, religiosity and halal logo could be considered as an important variable influencing the purchase behavior of halal nutraceutical products. This paper aims to propose a conceptual framework for nutraceutical product purchase intention with integration of the Theory of Planned Behavior (TPB), religiosity and halal logo as the determinants. Further empirical studies can be carried out to test the relationship between the factors and uncover other factors that can help in enhancing the purchase behavior of halal nutraceutical products. - Some of the metrics are blocked by yourconsent settings
Publication Conceptual Framework: Determinant Factors For Paying Zakat Fitrah Via Fintech(Universiti Sains Islam Malaysia, 2022) ;Aman Shah Siraj ;Mohd Faisol IbrahimNuradli Ridzwan Shah Mohd DaliHistorically, Muslims used various payment forms to contribute to their Zakat Fitrah, from rice to fiat money and digital payment as the medium. Paying Zakat Fitrah in Malaysia using FinTech is getting attention in 2020 due to the COVID-19 pandemic. A rigorous study must be conducted to understand users’ behavioural intention to adopt the technology. The behavioural model of intention from the Theory of Planned Behaviour and its development, including technology as per the UTAUT model, can be used as the underpinning theory. Some insights from the past studies become the literature reviews that were used to develop the hypotheses. As a result, a conceptual framework is proposed using the modified UTAUT model to study the acceptance of Muslims towards paying Zakat Fitrah via FinTech. - Some of the metrics are blocked by yourconsent settings
Publication Creating Sustainable Livelihood Opportunities for the B20 Communities through Islamic Microfinance Products and Services(Labuan Faculty of International Finance, Universiti Malaysia Sabah., 2023) ;Norhaziah Nawai ;Nuradli Ridzwan Shah Mohd DaliMahazan Abdul Mutalib @ TaibIt is crucial to establish sustainable livelihoods and distribute wealth in order to ensure inclusion across rural and urban regions as well as between various ethnic groups. Microfinance, as one of the social finance instruments, could help the underprivileged gain access to capital. Islamic microfinance, unlike conventional microfinance, avoids riba and is based on Shariah principles. The government of Malaysia categorises families according to their income, and it utilises this data to create policies targeted at bridging the income gap between the B40 and higher income groups as well as between rural and urban populations. In ensuring that all citizens, particularly B20 communities, have access to Islamic finance, the development of Islamic microfinance products based on profit and loss sharing is critical. Debt-based, interest-free loans and equity-based Islamic microfinance are available. The majority of debt-based instruments are based on tawarruq or commodities murabahah, with qardhul hasan being utilised for interest-free loans. However, equity-based instruments such as musyarakah and mudharabah are not used by any microfinance institutions. Specifically, musharakah mutanaqisah model is seen as a potential product that can be applied in Islamic microfinance. This paper proposes that Islamic microfinance through musharakah mutanaqisah as a viable mechanism for creating sustainable livelihood opportunities, especially for the lower B20 communities. - Some of the metrics are blocked by yourconsent settings
Publication Curbing Misbehaviour With Information Security Measures: An Empirical Evidence From A Case Study(Universiti Sains Islam Malaysia, 2019) ;Hanifah Abdul HamidNuradli Ridzwan Shah Mohd DaliOrganisations generally are still struggling with information security breaches despite various technical protections to secure their valuable information which is especially stored in cloud applications. The fact that human behaviour is the weakest link of the security chain. Security compromise causes substantial financial and nonfinancial losses to the organisations which jeopardise organisations’ reputation. Technical protection alone is seemed insufficient to ensure information safety. Therefore, this research takes it from the socio-technical perspective to strengthen information security. Addressing these factors are significant to help successfully create a healthy security culture in the organisation. Nevertheless, human behaviour is subjective in nature. Their behaviour depends upon the way they think feel and act towards security issues which needs an in depth understanding towards their security behaviour. Hence, adapting the sequential exploratory mixed-method approach, through the theoretical lens of social cognitive theory and security measures from extended deterrence theory, this study examines the information security behaviour of employees at an IT department of a public university, as the case study. Partial least square was used to analyse data collected via survey. Study shows that personal values and behaviour, apart from the effective technical security measures, are important factors towards inculcating information security compliance behaviour. - Some of the metrics are blocked by yourconsent settings
Publication Determinant Factors For Paying Zakat Fitrah Via Fintech(Penerbit USIM, 2022-12) ;Aman Shah bin Siraj ;Mohd Faisol IbrahimNuradli Ridzwan Shah Mohd DaliUnder Malaysia Digital Economic Blueprint, bringing Malaysians to adopt financial technology (FinTech) becomes one of the agendas of achieving regional champions of the digital economy. This quantitative study brings a small contribution to the nation by getting feedback from the public on their perception towards paying Zakat Fitrah via FinTech. The Unified Theory of Acceptance and Use of Technology (UTAUT) model was applied as the underpinning theory for realising the determining factors. 444 respondents among civil servants in Putrajaya were answering the online survey questionnaire. In the end, performance expectancy is the only exogenous that is significant and correlate with the behavioural intention as the endogenous. - Some of the metrics are blocked by yourconsent settings
Publication Determinants of Motivating Muslims to Become Entrepreneurs in Malaysia(Universiti Sains Islam Malaysia, 2012) ;Rosnia Masruki ;Nurazalia Zakaria ;Nuradli Ridzwan Shah Mohd Dali ;Siti Nurulhuda NordinNorasikin SalikinThis paper discusses the factors that motivate Muslims to become entrepreneurs in various states throughout Malaysia. In 2009, a semi-structured interview of 150 Muslim entrepreneurs who are involved in a wide range of business activities was done throughout the various states in Malaysia. Grounded theory methodology was applied to identified the possible reasons behind their decision to become an entrepreneur. The findings suggested that passion and interest in managing own business greatly explain the motivation for people to be involved in entrepreneurship. The passion guided them to overcome obstacles and challenges arising from competitions and ensuring sustainability of the business. The second reason wasJinancia1 consideration or income generation from the business as this will be eventually used to support their families and improve their condition of life. The third reason was the independence and freedom that self-employment provides as compared to being employed in the private or public sector. Other notable reason was their family background since many of the entrepreneurs came from families that own businesses. The results of this study calls for the academia to develop teaching methods and conduct students ' activities that helps to fosters students' interest and passion in the field of entrepreneurship. Future research in this area might be an exploration on the differing attributes such work ethics, work culture, decision making behaviour of Muslim and non-Muslim entrepreneurs. - Some of the metrics are blocked by yourconsent settings
Publication Dimensions Affecting Company Performance: A Systematic Review Of 4 Databases(Asian Scholars Network, 2019) ;Ahmad Abdallah Ahmed AlswalmehNuradli Ridzwan Shah Mohd DaliThe purpose of this paper is to identify the dimensions affecting the performance of companies. The systematic literature Review was conducted in four databases; Scopus, ProQuest Central, Ebscohost and Google Scholar, from 2008 to 2018. The study has identified 10 dimensions toward company's performance. The main dimensions found are management, human resources, company’s characteristics, supply chain, intellectual capital, and technology, corporate’ governance, board of directors, financial analysis, and Z-score (MDA). - Some of the metrics are blocked by yourconsent settings
Publication Does The Credit Risk Management Affect The Financial Performance Of Banks? Evidence From Jordan(Asian Scholars Network, 2020) ;Areen Zuhair Alta’aniNuradli Ridzwan Shah Mohd DaliThe purpose of this study is to examine the relationship between credit risk management indicators and the financial performance of listed banks in Jordan, and compare the efficiency of credit risk management between Islamic and conventional banks. The study used the annual report for listed Jordanian banks during the period of 2013 to 2017. The researchers found capital adequacy ratio has a positive and significant relationship with ROA and ROE, and cost per loan ratio has a negative and significant relationship with ROA, ROE, and TQ. Loan loss reserve ratio has a negative and significant relationship with TQ, while bank size has positive and significant impacts on the financial performance of banks measured by TQ. Credit risk management in Islamic banks is better than conventional banks and Islamic banks have higher profitability. The paper investigates only the banking sector in Amman stock exchange, future research may look into the whole sectors in Amman stock exchange. - Some of the metrics are blocked by yourconsent settings
Publication Does the Islamic Marketing Mix Model Matter in Coping with the Rising Cost of Living in Malaysia During the Crisis?(Universal Publishers - Boca Raton, Florida, USA, 2024) ;Mohammad Tahir Zainuddin ;Muhamad Azrin Nazri ;Nuradli Ridzwan Shah Mohd DaliNursilah AhmadPurpose: The objective of this study was to enhance the current understanding and bridge the gaps in the existing literature by examining the factors that could remedy the impact of the rising cost-of-living issue that widely affected people in Malaysia recently. Design/methodology/approach: Using the Islamic Marketing mix model consisting of Islamic Product, Islamic Promotion, Islamic Price, Islamic Place (distribution), and Islamic People in Malaysia, the analysis is based on data obtained from a survey conducted across Malaysia involving 304 valid respondents of Malaysian citizens aged between 19 and above. The objectives of the study were to stabilize the impact of the rising cost of living. Findings: The Structural Equation Models (SEM) statistical results reveal that four components research hypothesis, namely product, price, promotion, and people have a significant impact on remedying the rising cost of living. Research limitations/implications: The research was made based on cross-sectional data in Malaysia; thus, a generalization of results for application in other countries may be limited. Practical implications: The findings of this study are significantly important to provide input for the authorities in enhancing relevant policies to improve the well-being of the people in Malaysia. Originality/value:The framework of this study was originally developed and tested during the health and economic crisis hits Malaysia. - Some of the metrics are blocked by yourconsent settings
Publication The Effect Of Accounting And Market Indicators Towards Companies’ Performance, Mediated By Stock Volatility: A Conceptual Framework(Universiti Sains Islam Malaysia, 2020-10-15) ;Ahmad Abdallah Ahmed AlswalmehNuradli Ridzwan Shah Mohd DaliAnalysts in business companies face challenges to determine factors affecting company's performance. Accounting and market indicators are one of the significant factors that necessary to verify its impact on the company's performance continuously. In addition, the scaling rate of volatility indicates larger moves and changes in the asset’s value. An asset with higher volatility is likely to make a large move up as it does down. This condition would also create a noticeable impact on performance. Therefore, the study proposes a conceptual framework to test the accounting and market indicators towards company’s performance and the mediating effects of stock volatility on its relationships, by a review of existing studies and theories. The panel data of companies using regression models, multiple discriminant analysis, and structural equation modelling had supposed as a suitable analysis to accomplish the study objectives. The model fit will be confirmed after the collection of the research data and analysis. This study is important as it offers potential investors a better understanding of the factors affecting the company's performance. Further, investors will be able to appropriately decisions their investments and identify relevant factors that affect performance. The study is expected that profitability analysis, credit risk analysis, valuation analysis and market capitalization are a significant factor could directly affect the company’s performance, could discriminate between companies’ performance, and the stock volatility has a mediating impact on its relationships with the company’s performance. - Some of the metrics are blocked by yourconsent settings
Publication Employee Performance 5 Years Bibliometric Review(Penerbit USIM, 2022-12) ;Nuradli Ridzwan Shah Mohd Dali ;Hanifah Abdul Hamid ;Umi Hamidaton Mohd Soffian Lee ;Wan Nur Fazni Wan Mohamad NazarieWan Rasyidah Wan Mohd NawangThis paper seeks to review the literature trends on employee performance publications in the recent 5 years (2018-2022) using bibliometric analysis. 1338 full-paper journal articles that were downloaded indexed by SCOPUS have been analysed. The selection criteria also include the recent 5 years publication from 2018- 2022, with English only language. It was found that Indonesia, China, USA, India and Malaysia have been the top country producing employee productivity research articles and Journal of Frontiers in Psychology has the highest publications among other top journals. Employee productivity in terms of country wise, Malaysia still has a long way to climb the ladder and be at par with the top-notch countries. - Some of the metrics are blocked by yourconsent settings
Publication Engineering Of Zakat Fitrah’s Collection Via Finance Technology (FINTECH)(Universiti Sains Islam Malaysia, 2020-10-15) ;Aman Shah Siraj ;Mohd Faisol IbrahimNuradli Ridzwan Shah Mohd DaliPandemic of Covid-19 has changed a lot of Malaysian’s lifestyle including introduction of paying the zakat fitrah via finance technology. There was some debate on the perception of public on adapting this method of payment. Through this discussion, Unified Theory of Acceptance and Use of Technology (UTAUT) will be used as the conceptual framework to evaluate the acceptance level of sample. Hence, the researchers will discuss the social influence and facilitating condition factors that might have influenced towards the behaviour of paying zakat using fintech. The main aim of this paper is to propose a conceptual framework to measure the acceptance level on using fintech as the means of zakat fitrah’s collection. In addition, it will identify the relationships between social influence and facilitating conditions with behavioural intention. As a result, it will help related parties to understand the Malaysian’s perception on adapting fintech in Islamic finance and identify the right strategic to promote and educate. Finding of this study may assist and encourage the related authorities to apply the usage of technology in Islamic finance as a leapfrog to modernize the world of Islam.