scholarly journals Assessing Financial Transaction Bank Credit Cards According to Islamic Banking System

2020 ◽  
Vol 6 (2) ◽  
pp. 99-106
Author(s):  
Ahmed El-Murdi Saeed Omar ◽  
Keyword(s):  
Credit Card ◽  
Banking System ◽  
Credit Cards ◽  
Historical Background ◽  
Bank Credit ◽  
Card Holder ◽  
Analytical Methodology ◽  
American Express ◽  
And Behavior

This research explored the historical background to bank credit cards, the development of using plastic cards, classification of bank cards, characteristics and benefits of each class of cards. The research intends to address presumed problems such as: what are bank credit cards? How it has been developed? What are the international organization that introduced plastic cards? How these companies settle the payment between the card holder, the bank where he opened account and the business center, where he purchased goods or enjoyed services? Descriptive analytical methodology was employed for analysis whereby the research described type of bank cards, classified them and then collaborate analysis with the usage and benefits of each card. The thrust of the paper is to explore the views of Shariah Law pertaining the legality of using plastic bank credit cards, describing the acts and behavior which is not lawful according to provisions of Shariah Law. Moreover it includes the legal basis for collecting fees by bank managements on services being offered to credit card holders. Key words: Bank credit cards. Visa, Master card, Amex, American express, Juristic resolution, Fatwas International Islamic juristic assembly.

scholarly journals Minat Masyarakat Kota Banda Aceh terhadap Kartu Kredit Bank

2018 ◽  
Vol 2 (2) ◽  
pp. 89
Author(s):  
Ismail Ismail
Keyword(s):  
Credit Card ◽  
Credit Cards ◽  
Cultural Dimensions ◽  
Bank Credit ◽  
Chi Square ◽  
Community Interest ◽  
The People ◽  
Bartlett’S Test ◽  
The City ◽  
Banda Aceh

Abstrak. Tujuan dari penelitian ini adalah untuk mengetahui bagaimana minat masyarakat Kota Banda Aceh terhadap kartu kredit, untuk mengetahui faktor-faktor yang mempengaruhi minat Masyarakat Kota Banda Aceh terhadap kartu kredit Bank. Penelitian dilakukan di Kota Banda Aceh yang meliputi para nasabah kartu kredit Bank yang terdapat di Kota Banda Aceh.yaitu Nasabah Bank sebagai berikut; (1). Bank BRI, (2). Bank BNI, (3). Bank Mandiri, (4). Maybank, (5). Bank BCA, (6). Bank Danamon, (7). Bank Bukopin, (8). Bank Permata, (9). Bank Panin. Dengan jumlah responden sebanyak 270 orang responden. Berdasarkan uji KMO and Bartlett’s test diperoleh nilai approx. Chi-Square sebesar 717.400 pada df = 21 dengan tingkat probabilitas sebsar 0,000, sehingga semua variabel yang dijadikan indikator sebagai penelitian ini dijadikan acuan oleh masyarakat Kota Banda Aceh untuk memiliki kartu kredit Bank. Faktor yang paling dominan yang menimbulkan minat masyarakat terhadap kartu kredit secara berurutan adalah dimensi kebudayaan, dimensi sosial, dimensi pribadi, dimensipsikologis, dimensi chievement, dimensi power dan dimensi affiliation. Kata kunci: Minat Masyarakat, Kartu Kredit Bank, Kota Banda Aceh. Abstract. The purpose of this study was to find out how the interest of the people of Banda Aceh City on credit cards, to find out the factors that influence the interest of the Banda Aceh City Community towards the Bank's credit card. The research was carried out in the city of Banda Aceh which included the customers of the Bank's credit card in the City of Banda Aceh. That is the Bank Customer as follows; (1). Bank BRI, (2). BNI Bank, (3). Bank Mandiri, (4). Maybank, (5). Bank BCA, (6). Bank Danamon, (7). Bank Bukopin, (8). Bank Permata, (9). Panin Bank. With the number of respondents as many as 270 respondents. Based on the KMO and Bartlett's test the values obtained were approx. Chi-Square is 717,400 at df = 21 with a probability level of 0,000 so that all the variables used as indicators for this study are used as references by the people of Banda Aceh to have a Bank credit card. The most dominant factors that cause public interest in credit cards in the sequence are cultural dimensions, social dimensions, personal dimensions, psychological dimensions, achievement dimensions, power dimensions, and affiliation dimensions.Keywords: Community Interest, Bank Credit Cards, Banda Aceh City.

scholarly journals Customer Preference For Alternative Credit Card Based Payment Methods: Some Empirical Evidence

2011 ◽  
Vol 3 (3) ◽  
pp. 137
Author(s):  
Gopala K. Ganesh ◽  
Erramilli M. Krishna
Keyword(s):  
Empirical Evidence ◽  
Credit Card ◽  
Consumer Preferences ◽  
Credit Cards ◽  
Mail Survey ◽  
Bank Credit ◽  
Background Characteristics ◽  
Customer Preference ◽  
Payment Methods ◽  
Store Credit

This article looks at consumer preferences for two major types of credit cards viz: (1) national credit cards i.e. bank credit cards and travel and entertainment cards that are typically accepted at a wide variety of establishments and (2) store credit cards whose acceptance is typically limited to stores that constitute a department store chain. Through a mail survey, an attempt is made to identify the reasons for card preferences and distinguishing background characteristics of individuals with a distinct preference.

Relationship of Credit Attitude and Debt to Self-Esteem and Locus of Control in College-Age Consumers

2004 ◽  
Vol 94 (3_suppl) ◽  
pp. 1405-1418 ◽  
Author(s):  
Mary Beth Pinto ◽  
Phylis M. Mansfield ◽  
Diane H. Parente
Keyword(s):  
College Students ◽  
Locus Of Control ◽  
Psychological Factors ◽  
Credit Card ◽  
Credit Cards ◽  
Self Esteem ◽  
College Age ◽  
Significant Difference ◽  
User Groups ◽  
And Behavior

College-age consumers are one of the groups most highly targeted by credit card marketers. While some college students use their credit cards wisely, others are unable to control their spending. The objective of this study was to investigate differences in attitude toward credit cards and the psychological factors of self-esteem and locus of control among college students who possess one or more credit cards. Attitude was operationalized to include three underlying components: cognitive, affective, and behavioral. We separated credit users into subcategories based on amount of installment debt. Convenience users were defined as those consumers who paid the credit-card balance in full each month. Installment users were classified as consumers who carried a balance month-to-month. Convenience users were compared to mild and heavy installment users to assess significance of differences in attitudinal and psychological factors. There were no significant differences in the psychological factors across the credit-card user groups. In addition, there was a statistically significant difference on each of the attitude components (knowledge/beliefs, affect, and behavior) across user groups; convenience users, mild installment, and heavy installment users.

scholarly journals The Good, the Bad and the Ugly of Islamic Credit Cards

2021 ◽  
Vol 9 (1) ◽  
pp. 43
Author(s):  
Zaimy Johana Johan ◽  
Mohd Zainee Hussain
Keyword(s):  
Market Share ◽  
Financial Services ◽  
Credit Card ◽  
Banking System ◽  
Credit Cards ◽  
Islamic Finance ◽  
Industry Growth ◽  
Growth Area ◽  
The Government ◽  
And Performance

The Malaysian Islamic financial services have developed and thrived in the competitive domestic and global financial market especially in the last three decades.  The Government has provided the industry conducive enabling environment to catalyse the industry growth and development. Islamic finance has gained prominence and been identified as the growth area in the nation’s financial sector.  The Bank Negara Malaysia Annual Report 2020 published on 3 April 2020 amongst others highlights that with an advanced regulatory framework already in place, Islamic finance is poised to play a more prominent role in the coming period, particularly in its potential to apply shariah principles to expand social finance and address market gaps in innovative ways.  With a range of innovative shariah compliant products and services, the halal financial services have gained market acceptance from both Muslims and non-Muslims alike, albeit with different levels of acceptance according to the products.  Specifically, to a certain degree it appears that the market has been more receptive of other Islamic financial services such as loans for various purposes including purchases of securities, properties, vehicles; working capital and even personal loans than the credit cards.  According to the Bank Negara Monthly Statistical Bulletin: Monthly Highlights and Statistics in September 2020, as of September 2020, Islamic banks had disbursed 35.7% or RM651.4 billion of the total loans in the banking system in September 2020.  The Islamic credit cards however have a lower market share of 10.2% or RM3.7 billion of total credit card transactions.  The slower growth pace, lower market share and performance of Islamic credit cards vis–a-vis conventional credit cards, and also compared with other Islamic financial products merit further scrutiny and analysis to help better understand the issues pertinent the growth of the Islamic credit cards. Issues such as why other Islamic loans and hire purchase products have performed better; why the slower growth of Islamic credit cards; customers and market expectation of Islamic credit cards; Islamic credit card product development and marketing strategies need to be carefully examined in order to overcome Islamic credit card growth conundrum.

scholarly journals Comparison of Conventional Systems Credit Card and Credit Card Shariah as Alternative Construction Credit Card on Banking System

2018 ◽  
Vol 8 (1) ◽  
pp. 1
Author(s):  
Sholikul Hadi ◽  
Didin Hafidudhin ◽  
Hendri Tanjung
Keyword(s):  
Operating System ◽  
Credit Card ◽  
Islamic Law ◽  
Banking System ◽  
Credit Cards ◽  
Alternative Solution ◽  
Alternative Construction ◽  
Conventional Systems ◽  
Alternative Solutions

<p>This study was motivated by the presence of different views on whether or not<br />allowed to use Islamic credit cards, although the Indonesian Council of Ulama (MUI) has issued a fatwa on the permissibility of the card. Given these differences, this study examines the operating system on credit cards in terms of Islamic law, a difference of conventional and Islamic Credit Card and alternative solutions Credit Card reconstruction system in accordance with the Islamic Shari'ah and can be applied in the modern economy.The results showed (1) Credit Card operating system in terms of Sharia Islamic law indicates permitted<br />use; (2) Found some fundamental differences between Islamic and conventional Credit Card; (3) An alternative solution in the reconstruction of the Credit Card in accordance with Islamic law, including: (a) the credit card must be received recognition from banks with partnershipnya; (b) the credit card should be simple, both in the process of obtaining and using it; (c) The credit card issuer must be heavily promoting.</p>

scholarly journals Transaksi Tarik Tunai Melalui Merchant dalam Penggunaan Kartu Kredit

2017 ◽  
Vol 2 (2) ◽  
pp. 205
Author(s):  
Herdehet Brinil
Keyword(s):  
Credit Card ◽  
Credit Cards ◽  
Legal Protection ◽  
Legal Issues ◽  
Legal Research ◽  
Card Holder ◽  
Legal Relation ◽  
Library Research ◽  
Plastic Card ◽  
Card System

The change of the society in the sector of social and economy has encouragedthe need for application of plastic card system. The problems in this thesisare related with the legal relation between bank as card issuer and the card holder,rights and obligations of the bank and the customer as card holder, and protection tothe card holder from the perspective of Act Number 8 of 1999 concerning ConsumerProtection. Utilization of a credit card not only gives benefit, but also finally it maybring about problems and complaints from the customers. Thus, legal protection tothe customers in the utilization of the credit card. The legal issues of this thesis arehow the legal relation between customer, bank, and merchant are, and how the legalprotection is provided to the customer as the user of credit card for cash drawingtransaction through merchant and why the said transaction is prohibited by Bank ofIndonesia. The utilization of credit card arises different legal relation among bank,customer, and merchant. Customer as consumer of credit card is placed in a weakbargaining position. The method used in this is normative legal research by collectingdata through library research, using primary, secondary, and tertiary resources,namely by studying various reading resources such as books, literatures, statutoryregulations, and through electronic media (internet). This research recommendsthat the marketing of banking products and services should pay more attention in theobligation of the card holder and the bank, procedure and requirements in issuing acard must conducted selectively, and Bank of Indonesia as central bank should playmore role as supervisor to the banking products particularly credit cards. 

A proposal towards classification of the Raspy Crickets (Orthoptera: Stenopelmatoidea: Gryllacrididae) with zoogeographical comments: An initial contribution to the higher classification of the Gryllacridines

Zootaxa ◽  
2019 ◽  
Vol 4605 (1) ◽  
pp. 1
Author(s):  
OSCAR J. CADENA-CASTAÑEDA
Keyword(s):  
Taxonomic Status ◽  
Distribution Patterns ◽  
Historical Background ◽  
New Genera ◽  
New Classification ◽  
Fossil Species ◽  
The Family ◽  
The Status ◽  
And Behavior

In this contribution to the study of gryllacridines or raspy crickets (Orthoptera: Gryllacrididae), a new proposal for classification of this family is provided, dividing it into two subfamilies and ten tribes that includes most of the 114 known genera to date (including the new genera described here). It describes and redefines two subfamilies: Hyperbaeninae n. subf. and Gryllacridinae n. sensu, ten tribes: Phryganogryllacridini n. trib., Capnogryllacridini n. trib., Asarcogryllacridini n. trib., Hyperbaenini n. trib., Paragryllacridini n. trib., Ametrini n. trib., Ametroidini n. trib., Gryllacridini n. sensu., Eremini n. trib. and Progryllacridini n. trib.; ten genera: Claudiagryllacris n. gen., Griffinigryllacris n. gen., Gorochovgryllacris n. gen., Ingrishgryllacris n. gen., Rentzgryllacris n. gen., Willemsegryllacris n. gen., Karnygryllacris n. gen., Brunnergryllacris n. gen., Bianigryllacris n. gen. and Hugelgryllacris n. gen.; seven genera groups: Gryllacrae n. group. (placed under Gryllacridini n. trib. comprising ten genera: Caustogryllacris, Eugryllacris, Gryllacris, Lyperogryllacris, Nesogryllacris, Ocellarnaca, Phlebogryllacris, Prosopogryllacris, Willemsegryllacris n. gen. and Xanthogryllacris), Metriogryllacrae n. group. (under Gryllacridini grouped Metriogryllacris, Homogryllacris, Pseudasarca n. stat. and Furcilarnaca), Anancistrogerae (Anancistrogera, Ancistrogera, Angustogryllacris, Aphanogryllacris, Celebogryllacris), Triaenogryllacrae n. group. (under Gryllacridinae only comprising Triaenogryllacris) the next groups under Ametrini n. trib.: Ametrae n. group. (comprising two genera: Ametrus and Pareremus), Apotrechae n. group. (including three genera: Apotrechus, Apterolarnaca and Bianigryllacris n. gen.) and Apteronomae n. group. (comprising two genera: Ametrosomus and Apteronomus). The status of Dictogryllacris reinst. stat., was restored, previously transferred by Gorochov 2003 as subgenus of Capnogryllacris and to Pseudasarca n. stat. as full genus status is proposed. One genera, one subgenus and one fossil species are synonymized: Xiphogryllacris n. syn. (under Hyalogryllacris) and †Gryllacris brevippennis n. syn. (under †Macrelcana ungeri). The subgenus Glolarnaca n. stat. (included under Zalarnaca), is considered as full genus in Gryllacridinae (Gryllacridini). 57 new combinations are proposed, with particular emphasis on Niphetogryllacris, placing 36 of the 43 existing species of the genus: Pissodogryllacris tesellata n. comb., Willemsegryllacris barnesi n. comb. (previously placed under Gryllacris), Afrogryllacris nigripceps n. comb. (previously placed under in Barombogryllacris), Anancistrogera nigroscutata n. comb., A. cornualis n. comb. and A. genualis n. comb. (included by Karny in Caustogryllacris and by Gorochov in the subgenus Pseudolarnaca, here transfered to Anancistrogera), Hugelgryllacris tchancha n. comb. (before in Psilogryllacris), Diaphanogryllacris annandalei n. comb., D. barkudensis n. comb., D. dravida n. comb., D. gravelyi n. comb., Claudiagryllacris finoti n. comb. C. stigmata n. comb., C. lemur n. comb., C. fryeri n. comb., Stictogrtllacris pungens n. comb., S. madagassa n. comb., S. genufuscata n. comb., S. vosseleri n. comb., S. difficilis n. comb., S. paulani n. comb., Stictogryllacris signoreti n. comb., S. indecisa n. comb., S. conspersa n. comb., S. pittarellii n. comb., S. ametroides n. comb., S. jacobi n. comb., S. kilimandjarica n. comb., S. meruensis n. comb.; S. neglecta n. comb.; S. submutica n. comb., Griffinigryllacris reunionis n. comb., G. adelungi n. comb., G. mauritiana n. comb., Karnygryllacris occipitalis n. comb., K. atriceps n. comb., K. brevipennis n. comb., K. humilis n. comb., K. scurra n. comb., K. triocellata n. comb., K. pittarellii n. comb., K. grylloides n. comb., Brunnergryllacris testaceus n. comb. and B. eximia n. comb (previously placed under Niphetogryllacris), Rentzgryllacris sechellensis n. comb. (before in Prosopogryllacris and the three subspecies are treated as full species), Gorochovgryllacris navicula n. comb. (transferred from Brachybaenus), Bianigryllacris trilobus n. comb., B. bilobus n. comb., B. digitatus n. comb., B. fallax n. comb., B. nigrigeniculatus n. comb., B. parvospinus n. comb., B. quadratus n. comb. and B. transversus n. comb. (previously placed under Apotrechus), Hyalogryllacris orthoxipha n. comb. (previously placed under Xiphogryllacris), Afroneanias glauningi n. comb., A. sphinix n. comb. and Ingrishgryllacris brevifalcatus n. comb. (previously placed under Ametroides and Glomeremus respectively). A key to the identification of the subfamilies and tribes is provided, plus historical background of the major taxonomic works on the group and the few contributions on ecology, morphology, and behavior is also done. It also discusses the status of fossil taxa thought to belong to the family. A preliminary analysis of the zoogeography of the family from the parameters of richness, diversity and distribution patterns of different groups studied, and also, some final comments on what has been achieved in this contribution are give, what is missing to the study of gryllacridines to the future and some problems that still affect the taxonomy to genera and species level. Finally, a check list in which all family taxa are included with the new classification is provided, with some comments on their distribution and taxonomic status if necessary. 

scholarly journals PENGARUH FAKTOR DEMOGRAFI TERHADAP PERILAKU PENGGUNAAN KARTU KREDIT

2016 ◽  
Vol 4 (2) ◽  
pp. 172
Author(s):  
Mariana Ing Malelak ◽  
Gesti Memarisa ◽  
Njo Anastasia
Keyword(s):  
Data Collection ◽  
Marital Status ◽  
Credit Card ◽  
Descriptive Analysis ◽  
Credit Cards ◽  
Demographic Factors ◽  
Shopping Center ◽  
Card Holder ◽  
Usage Behavior ◽  
Credit Card Usage

Abstract: This study aimed to determine the effect of demographic factors on credit card usage behavior. Demographic factors such as age, gender, income, education, marital status, according to some previous research has significant effect to credit card usage behavior, both it is related with spending activity with credit cards and also the pattern of payments in pay off credit card bills. Sampling was conducted on people  who  live  in  Surabaya, which  has  a  credit  card  either  as  primary and additional card holder. The data collection use questionnaires form, which is distributed to shopping center visitors in Surabaya. Descriptive analysis is used to decribe the demographic factors and credit card usage behavior. SEM-PLS test conducted  to  examine  the  effect  of  demographic factors  such  as  age,  gender, income, education, marital status on credit card usage behavior in Surabaya. The results showed demographic factors (age, income and marital status) significantly affect the credit card usage behavior (in terms of pay off credit card bills) in Surabaya.Keywords: Demographic Factors, Credit card usage behavior.

Consumers‟ Acceptance of „Halal‟ Credit Card Services: An Empirical Analysis

2015 ◽  
Vol 3 (1) ◽  
pp. 51 ◽  
Author(s):  
Zaimy Johana Johan ◽  
Lennora Putit
Keyword(s):  
Perceived Control ◽  
Credit Card ◽  
Credit Cards ◽  
Product Knowledge ◽  
Key Factors ◽  
Developing Nation ◽  
Business Transactions ◽  
Factors Influencing ◽  
Financial Credit ◽  
Survey Questionnaires

Many past researches have been carried out in an attempt to continuously understand individuals‟ consumption behaviour. This study was conducted to investigate key factors influencing consumers‟ potential acceptance of halal (or permissible) financial credit card services. Specifically, it anticipated the influence of attitude, social influences and perceived control on consumers‟ behavioural intention to accept such services. In addition, factors such as religiosity and product knowledge were also postulated to affect consumers‟ attitude towards the act of using halal credit cards for any retail or business transactions. Using non-probability sampling approach, a total of 500 survey questionnaires was distributed to targeted respondents in a developing nation but only 220 usable feedbacks were received for subsequent data analysis. Regression results revealed that religiosity and product knowledge significantly influence consumers‟ attitude toward using halal credit card services.  Attitude in turn, subsequently has a significant impact on consumers‟ intention to accept halal financial credit card services. Several theoretical and managerial contributions were observed in this study.   

Depression

2017 ◽  
Author(s):  
Philip Cowen
Keyword(s):  
International Classification Of Diseases ◽  
Behavioural Therapy ◽  
Historical Background ◽  
Cognitive Behavioural ◽  
Classification Of Diseases ◽  
Icd 10 ◽  
Diagnosis And Classification ◽  
Modern Experience ◽  
Symptoms And Signs

This chapter discusses the symptomatology, diagnosis, and classification of depression. It begins with a brief historical background on depression, tracing its origins to the classical term ‘melancholia’ that describes symptoms and signs now associated with modern concepts of the condition. It then considers the phenomenology of the modern experience of depression, its diagnosis in the operational scheme of ICD-10 (International Classification of Diseases, tenth edition), and current classificatory schemes. It looks at the symptoms needed to meet the criteria for ‘depressive episode’ in ICD-10, as well as clinical features of depression with ‘melancholic’ features or ‘somatic depression’ in ICD-10. It also presents an outline of the clinical assessment of an episode of depression before concluding with an overview of issues that need to be taken into account when addressing approaches to treatment, including cognitive behavioural therapy and the administration of antidepressants.

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