This is a conceptual article that includes an examination of a literature review on waqf from 2011 to 2021. According to the findings, "Use More" can occur among beneficiaries for various types of waqf and different types of beneficiaries. Donors' characteristics, as well as internal and external aspects of incentive, all contribute to the phrase "donate more." "Share more" refers to information exchange between three parties: the waqf manager/mutawalli, donors, and recipients. Waqf Prosumers encourage donors, in which the same person plays all three roles of Beneficiaries, Donors, and Volunteers in order to disseminate information. The Benefidonor Concept is dependent on the interactions between the three parties. The three parties share common interests in cultivating the quality of growth and change, as evidenced by their same points of view on 'Use more, donate more, and share more.' Furthermore, we discovered that in order for the donor to repeat, accountability and reporting are critical.

Purpose of the study: To investigate the conduct of risk management in trade financing processes as well as to identify potential issues in risk management relating to fintech in trade financing. At the same time, this study had the opportunity to explore all possible prospects and challenges that this new era of digital could offer to the banking industry. Methodology: The study employed an interview with experts for the means of data collection with the aim of gathering a wide range of information and opinion from the industry experts on the subjects of this study. The data collected from interview transcripts are analysed contextually based on thematic analysis and framework analysis. Main Findings: The findings suggested risk management in trade financing processes is critical due to the nature of cross-country transactions and the current era of fintech has further escalated the risk exposure to fintech-related types of risk. Strategies to improve the current conduct of risk management in trade finance processes have been identified where opportunities and challenges can be managed effectively. Applications of this study: Findings from this study will give valuable insights to the banking and finance industry’s practitioners, especially those who are directly involved in trade financing processes as well as the top management of the banks to further improve current risk management practices in particular catering for the new fintech era. This is essential in facing the wave of the 4 th industrial revolution. Novelty/Originality of this study: This study has contributed to the limited number of published studies in this area. Most importantly, the attempt to investigate the current practice of risk management and identify actual issues and problems in trade financing processes through financial technology platform has not been researched and explored before. Keywords: Risk Management, Trade Financing, Fintech Era, Digitization, Technology Savvy, Banking

Pandemik COVID-19 telah membawa impak besar terhadap aspek sosial, ekonomi, dan psikologi-spiritual masyarakat, terutamanya golongan B40. Dalam Islam, isu kemiskinan adalah suatu keadaan yang mesti diatasi kerana kesannya memberi impak yang besar ke atas individu, masyarakat dan keunggulan agama Islam sebagai penyelesaian masalah sosial, ekonomi, politik, budaya dan sahsiah. Kajian ini bertujuan untuk mengenal pasti keperluan khusus dalam menangani isu-isu pasca COVID-19 yang dihadapi oleh remaja dan wanita B40 di Malaysia. Kajian ini juga meneliti model pemerkasaan golongan wanita dan remaja konvensional sedia ada khususnya dari perspektif Barat dan kritikan terhadapnya. Selain itu, fokus utama kajian ini adalah meneroka kaedah ataupun strategi Islam serta peranan rakyat dan pemerintah dalam membasmi isu sosial, ekonomi dan psikologi spiritual secara bersepadu bagi mengisi kelompangan kajian konvensional yang lepas. Hasil analisis keperluan tersebut, model pemerkasaan kemandirian golongan B40 dicadangkan untuk dibangunkan dan dinilai dalam meningkatkan kesejahteraan kehidupan mereka dalam konteks kelestarian komuniti Madani. Kajian ini dilakukan menggunakan kajian perpustakaan dan analisis kandungan daripada bahan sekunder seperti artikel jurnal, buku dan akhbar. Hasil kajian awal ini mendapati bahawa keadaan sosio-ekonomi pasca COVID-19 yang mencabar memerlukan pendekatan holistik yang tidak hanya terfokus pada bantuan kewangan, tetapi juga kepada aspek pemerkasaan kemandirian dan kelestarian komuniti ini secara bersepadu. Oleh yang demikian, program pemerkasaan yang komprehensif mampu meningkatkan kesejahteraan dan kemandirian individu dalam komuniti terpinggir. Namun, terdapat kekurangan kajian empirikal yang secara spesifik memberi tumpuan kepada B40, remaja dan wanita di kawasan perumahan kos rendah pasca COVID-19 dari kerangka Islam secara menyeluruh. Oleh itu, penyelidikan ini diharap dapat mengenal pasti keperluan khusus mereka, dalam membangunkan Model Pemerkasaan Kemandirian Wanita dan Remaja B40 menurut kerangka Islam secara bersepadu. Model Pemerkasaan Kemandirian Komuniti B40: Wanita dan Remaja dibina berbingkaikan acuan Islam secara bersepadu seperti Model Perubahan Sosial Ibnu Khaldun, Model Pembangunan Berteraskan Islam oleh Syukri Salleh dan Maqasid al-Syariah dijangka dapat memberikan panduan praktikal untuk meningkatkan kesejahteraan hidup khususnya wanita B40 dan remaja pasca pandemik dan selari dengan matlamat pencapaian lima dari enam Prinsip Malaysia Madani, iaitu kemampanan, kesejahteraan, daya cipta, hormat, keyakinan, ihsan.

People's perceptions of the necessity of financial management have changed as a consequence of global crisis. The consequence of this circumstance not only jeopardises a country's stability, but if it cannot be avoided, it might have an impact on the community's crime rate. The necessity for investment has benefited society and the government in their efforts to achieve long-term financial stability, and it may also improve quality of life. The objective of this article is to analyze research and publication trends in environmental, social and governance (ESG), sustainable and responsible investment (SRI) and Maqasid Shariah framework between 2012 to 2021. The methodology that has been applied in this article is descriptive research based on document analysis on previous research and publication on environmental, social and governance (ESG), sustainable and responsible investment (SRI) and Maqasid Shariah framework either from free-of-charge or free-of-registration online journals. The journals and articles are acquired from various sources of channel such as google scholar, science direct and researchgate.com. 211 articles have been collected and examined for the purpose of this research. This study perceived at several variables which include authorship trend, number of articles published, research technique, geographical affiliation, issue, and author gender. The general finding of this study illustrates that most of the previous study discussed on ESG disclosure and social responsible investment, while only limited number of research and publication have been discussed and published on Maqasid Shariah framework related to ESG and SRI.

Previous research has extensively examined the utilization of e-money payment systems in Malaysia, yet there remains a dearth of knowledge regarding the initial adoption phase experienced by first-time users of these digital transactions. This study attempts to identify the underlying factors that compel individuals to embrace e-money transactions for the first time. Employing a structured interview guide, a primary data was gathered, leveraging the insights of e-money professionals who also happen to be the users. The primary data collection method employed was semi-structured interviews. Furthermore, the in-depth thematic analysis analysis was conducted through Computer Assisted Qualitative Data Analysis Software (CAQDAS), specifically Atlas.ti version 22.The findings reveal a comprehensive array of eleven distinct factors that influence the initial adoption of e-money, categorized into intrinsic and extrinsic factors. The research fills significant research gap in the current body of literature by offering insights from experts who have firsthand experience with the crucial process of adopting e-money.