Empirical Study on Adoption of Islamic Banking System Using Quantitative Method:A Case Study of Afghanistan

10.26414/a169 ◽  
2021 ◽  
Author(s):  
Khatera Naseri ◽  
Ashurov Sharofiddin
Keyword(s):  
Diffusion Of Innovation ◽  
Banking System ◽  
Relative Advantage ◽  
Islamic Banking ◽  
Product Knowledge ◽  
Diffusion Of Innovation Theory ◽  
History Of ◽  
The Government ◽  
The Impact

Although the background of the banking system goes back as far as 1933, Islamic finance isstill new in Afghanistan. The history of the firstfull-fledged Islamic bank began asrecently as 2018 with the conversion ofBakhtarBank, a conventional bank, to the IslamicBank of Afghanistan (IBA). There have been numerousstudies done worldwide, but no empiricalstudy has examined the subject of Islamic banking adoption in the specific context of Afghanistan. Therefore, this presentstudy investigatesthe adoption ofIslamic banking in Afghanistan, using a case study of Herat province, based on Rogers’ (1983) Diffusion of Innovation Theory, to determine the impact of awareness,productknowledge,religiosity,relativeadvantage,compatibility, and complexity on the adoption of Islamic banking. A quantitative approach to the stratified convenience sampling method was used in this study. Questionnaires were distributed to 334 bank customers and the responses analyzed using SPSS v22. The multiple regression analysis finding indicated that product knowledge, relative advantage, and religiosity significantly and positively influenced the adoption of Islamic banking. It is suggested that the government and financial institutions should support Islamic banking with beneficial policies and initiatives to enhance the knowledge of the public about the significance of Islamic banking activities.

scholarly journals Global Financial Crisis of Islamic and Conventional Banking in Middle East – A Case Study in Turkey

2017 ◽  
Vol 9 (8) ◽  
pp. 239
Author(s):  
Ayman Abdal-Majeed Ahmad Al-Smadi ◽  
Mahmoud Khalid Almsafir ◽  
Muzamri Bin Mukthar
Keyword(s):  
Financial Crisis ◽  
Global Financial Crisis ◽  
Banking System ◽  
Financial System ◽  
Secondary Data ◽  
Islamic Banking ◽  
The Social ◽  
The Global Financial Crisis ◽  
The Impact

The financial tools all over the world become extremely decisive in these days. The main goal of this paper is to measure then to discuss the impact of performance of conventional and Islamic banking in Turkey during the financial crisis. some variables such as profitability, liquidity, operational efficiency and business growth are used as a measuring factor to determine the performance for both financial models. The period of study is taken during the financial crisis in 1997 and during the global financial crisis in 2007. The comparison in this study is made between the performances of Islamic banking  and conventional banking in Turkey.Some secondary data had examines in this study which was drown from the annual report from one of Turkey bank since 2002 until 2013. SPSS (Statistical Package for the Social Sciences) “18.0” has been used to compare between Islamic finance model and other model. The findings of this paper shows that Islamic financial system is performing superior than conventional financial system for the period of this study. Hence, it can be concluded that the system of Islamic banking is able to sustain and compete with the conventional banking system especially during any financial crisis.

Empirical Investigation of Islamic Banking Adoption in Brunei

2018 ◽  
Vol 2 (2) ◽  
pp. 24-38
Author(s):  
Qaisar Ali ◽  
Hakimah Binti Yaacob ◽  
Dayang Hjh Norliza Binti Dato Haji Mahal
Keyword(s):  
Regression Analysis ◽  
Service Quality ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
Diffusion Of Innovation ◽  
Empirical Investigation ◽  
Relative Advantage ◽  
Islamic Banking ◽  
Banking Services ◽  
The Impact

The main objective of this study is to explore the understanding level of various Islamic banking concepts and determine the factors that impact the adoption of Islamic banking services in Brunei. The impact of thelevel of understanding, relative advantage, compatibility, complexity, observability, uncertainty, and service quality was examined through Rogers (2003) Diffusion of Innovation. The study adopted quantitative approach; data were collected through a self-administrated questionnaire from 245 bank customers located in Brunei’s Muara district.The findings predicted that understanding level of various Islamic banking concepts was below average among Islamic bank customers. The multiple regression analysis predicted that understanding, relative advantage,compatibility, complexity, observability, uncertainty and service quality has apositive impact on theadoption of Islamic banking services.

The Knowledge Base of Products: Implications for Organizational Structures

2010 ◽  
Vol 31 (8) ◽  
pp. 1129-1154 ◽  
Author(s):  
Muge Ozman
Keyword(s):  
Structural Characteristics ◽  
Organizational Structures ◽  
Knowledge Bases ◽  
Two Dimensions ◽  
Product Knowledge ◽  
Agent Based ◽  
History Of ◽  
Knowledge Depth ◽  
The Impact

This paper investigates the impact of two dimensions of product knowledge bases on organizational structures. The first dimension, knowledge breadth, measures the complexity of a product. The second dimension, knowledge depth, measures the extent to which the knowledge embedded in the product can be used in different contexts. An agent-based simulation study is carried out to analyse the structural characteristics of organizations that emerge when self-interested agents select partners to combine their expertise and produce together. Agents learn from their interactions, which shapes their choice of partners in the future. The results reveal that multi-product companies with fewer inter-firm relationships emerge when products are complex and knowledge is highly reusable in different contexts. A network of specialized firms is a dominant organizational structure when products are complex and deep. The results are demonstrated through a brief case study of the history of the computer industry.

scholarly journals The effects of trust mediator and education level moderator on adoption of Islamic banking system in Tajikistan

2019 ◽  
Vol 5 (3) ◽  
pp. 277-296
Author(s):  
Sharofiddin Ashurov ◽  
Anwar Hasan Abdullah Othman
Keyword(s):  
Educational Level ◽  
Banking Industry ◽  
Banking System ◽  
Relative Advantage ◽  
Equation Modeling ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Perceived Trust ◽  
Majority Population ◽  
The Impact

High levels of trust and education are essential factors in the banking industry, especially for an Islamic banking system that is Shariah-based. Therefore, this paper seeks to measure the impact of trust and educational level on the decision as to whether to adopt Islamic banking in Tajikistan for business activities. The data of the study was developed based on a survey and collected through a distributed questionnaire. A total of 408 respondents were obtained from 14 banks in Tajikistan. The study adopted the Structural Equation Modeling (SEM) approach (using AMOS version 22.00) to examine these relationships. The findings of the study revealed that relative advantage and product knowledge were statistically significant in influencing perceived trust in Islamic banks, while perceived trust in Islamic banks had a directly significant impact on the adoption of the Islamic banking system in Tajikistan. Also it found that perceived trust plays a mediating role between awareness and adoption of the Islamic Banking system. This indicates that banks’ customers in Tajikistan have more trust in, and prefer dealing with, a banking system that is Shariah-based in line with their Islamic beliefs. In addition, the findings revealed that educational level plays a significant moderating role between the awareness of Islamic banks and the adoption of the Islamic banking system. The findings of the study therefore may assist policy makers to improve the current banking industry, by focusing on the Islamic banking system that would be able to restore trust and create interest among the Muslim majority population as they believe in the Islamic banking system, which will contribute positively to economic growth.

Prinsip Kearifan Lokal dalam Pengembangan Strategi Kehumasan pada Pemerintah Daerah Kabupaten Bandung

2020 ◽  
Vol 4 (2) ◽  
pp. 229-248
Author(s):  
Betty Tresnawaty
Keyword(s):  
Public Relations ◽  
Local Knowledge ◽  
Case Study Approach ◽  
West Java ◽  
Study Approach ◽  
Positive Image ◽  
The Government ◽  
The Impact ◽  
Public Relations Strategy

Public Relations of the Bandung Regency Government realizes that its area has a lot of potential for various local wisdom and has a heterogeneous society. This study aims to explore and analyze the values of local knowledge in developing public relations strategies in the government of Bandung Regency, West Java province. This study uses a constructivist interpretive (subjective) paradigm through a case study approach. The results showed that the Bandung Regency Government runs its government based on local wisdom. Bandung Regency Public Relations utilizes local insight and the region's potential to develop a public relations strategy to build and maintain a positive image of Bandung Regency. The impact of this research is expected to become a source of new scientific references in the development of public relations strategies in every region of Indonesia, which is very rich with various philosophies.Humas Pemerintah Kabupaten Bandung menyadari wilayahnya memiliki banyak potensi kearifan lokal yang beragam, serta memiliki masyarakatnya yang heterogen. Penelitian ini bertujuan menggali dan menganalisis nilai-nilai kearifan lokal dalam pengembangan strategi kehumasan di pemerintahan Kabupaten Bandung provinsi Jawa Barat.  Penelitian ini menggunakan paradigma interpretif (subjektif) konstruktivis melalui pendekatan studi kasus. Hasil penelitian menunjukkan bahwa Pemerintah Kabupaten (Pemkab) Bandung menjalankan pemerintahannya berlandaskan pada kearifal lokal. Humas Pemkab Bandung memanfaatkan kearifan lokal dan potensi wilayahnya untuk mengembangkan strategi humas dalam membangun dan mempertahankan citra positif Kabupaten Bandung.Dampak penelitian ini diharapkan menjadi sumber rujukan ilmiah baru dalam pengembangan strategi kehumasan di setiap daerah Indonesia yang sangat kaya dengan beragam filosofi. 

scholarly journals Getting a Foot in the Door: Small-Firm Credit and Interest Group Politics in the Netherlands, 1900–1927

2020 ◽  
pp. 1-37
Author(s):  
RUBEN PEETERS
Keyword(s):  
Small Firm ◽  
Small Firms ◽  
Power Structures ◽  
Access To Credit ◽  
Financial Infrastructure ◽  
History Of ◽  
Interest Group Politics ◽  
Group Politics ◽  
The Government

This article explores the link between the history of small-firm associations and the development of Dutch financial infrastructure geared toward small firms. In particular, it tests Verdier’s thesis about the origins of state banking using an in-depth case study of the Dutch small-firm movement. This article shows that Dutch small-firm associations did not simply became politically relevant and use their power to lobby for state banking, but rather used the topic of insufficient access to credit to rally support, mobilize members, and obtain subsidies from the government. During this associational process, they had to navigate local contexts and power structures that, in turn, also shaped the financial system. State banking was initially not demanded by small firms, but arose as the result of failed experiments with subsidized banking infrastructure and a changing position of the government on how to intervene in the economy.

scholarly journals How Do Political Features Influence the Co-Production of Government Projects? A Case Study of a Medium-Sized Chinese City

2021 ◽  
Vol 13 (14) ◽  
pp. 7600
Author(s):  
Wenting Ma ◽  
Rui Mu ◽  
Martin de Jong
Keyword(s):  
Performance Measurement ◽  
Critical Role ◽  
Chinese City ◽  
Production Stages ◽  
Political Background ◽  
The Government ◽  
And Performance ◽  
Western Experience ◽  
The Impact

Co-production is a solution by which the government provides public services. Co-production theory is built upon Western experience and currently focuses on the types of co-production in different policy stages, the barriers and governance strategies for co-production. However, little attention is paid to how political background will influence the co-production process. To fill the gap, we analyzed a case of co-production that occurred in China, and we characterized the political background as consisting of three main political features: political mobility, central–local relations, and performance measurement. Based on an in-depth case study of a government project in a medium-sized Chinese city, the impact and the changes of political features affecting governmental projects in different co-production stages are analyzed and assessed. We find that political features play a critical role in the co-production of China’s large government projects and may separately and jointly affect co-production. Government performance measurement affects the co-design and co-implementation of projects. Political mobility and changes in local government and performance measurement also affect the co-implementation continuity of the project. Political focus affects the co-design of projects. Central-local relations influence the support from higher government and the actual practices of lower government in the co-implementation stage.

Increasing Competition for University and the Challenge of Access for Government School Students—A Case Study

2008 ◽  
Vol 52 (3) ◽  
pp. 287-300 ◽  
Author(s):  
Daniel Edwards
Keyword(s):  
School Students ◽  
Government School ◽  
Educationally Disadvantaged ◽  
University Campuses ◽  
University Courses ◽  
Education Degree ◽  
The Government ◽  
The Impact ◽  
The City

There is a wide variety of universities, university campuses and university courses in Australia available to those interested in pursuing a higher education degree. This paper examines the impact of increasing competition for entrance to university on the educational outcomes for students from the government school sector. Using Melbourne as a case study, the research shows that, over a four-year period of increased competition, entry to some of the more academically accessible university campuses in the city became more difficult and this disproportionately affected the opportunities for university entrance among some groups. Despite the fact that there was no noticeable change in the academic standards achieved by government school completers, the rate at which government school students gained access to these universities declined noticeably during this time. These findings show how changes in supply of university places from year to year can have a profound effect on the opportunities of secondary-school completers—particularly those in more educationally disadvantaged settings.

scholarly journals Look Upstream: Measurement for Innovation on the Upper Rio Negro of the Amazon Basin

2021 ◽  
Vol 8 ◽  
Author(s):  
Kurt Shaw ◽  
Rita de Cácia Oenning da Silva
Keyword(s):  
Amazon Basin ◽  
Controlled Trial ◽  
Theory Of Change ◽  
Positive Development ◽  
Private Goods ◽  
Rio Negro ◽  
The Government ◽  
Traditional Songs ◽  
The Impact

The growth of the randomized controlled trial (RCT) as the “gold standard” for evaluation has justly been praised as an advance in the professionalization of social programs and projects, an “adoption of science” - in the words of the Lancet. None the less, the emphasis on the RCT biases funding for projects that distribute private goods and which focus on “low hanging fruit” in health, nutrition, and sanitation, simply because those areas lend themselves to the sort of measurement that works with RCTs. As a result, many project developers in the government and NGO sectors lament that a hegemonic focus on RCTs impedes creativity or new models that challenge traditional paradigms. This case study of CanalCanoa, a community video coaching project for indigenous parents of young children in the Rio Negro region of the Amazon Basin, offers techniques to measure for innovation. Instead of developing a new RCT for an extremely diverse population (27 ethnic groups) where traditional childcare methods are in historical flux because of urbanization, CanalCanoa measured variables shown by previous RCTs to be causally connected with positive development results. By researching the impact of the intervention on nutrition, language (multilingualism, use of traditional songs and stories), and social network expansion, CanalCanoa measured upstream indicators, thus mixing scientific rigor with an opportunity for innovation and providing important insight and reform of a theory of change.

scholarly journals Employment Opportunities And Human Resources Development In Digital Era: A Case Study In Industrial Sector

2018 ◽  
Vol 8 (2) ◽  
pp. 159-168
Author(s):  
Devi Asiati ◽  
Gutomo Bayu Aji ◽  
Vanda Ningrum ◽  
Ngadi Ngadi ◽  
Triyono Triyono ◽  
...  
Keyword(s):  
Industrial Sector ◽  
Production Equipment ◽  
Improvement Program ◽  
Digital Era ◽  
Local Resources ◽  
The World ◽  
The Government ◽  
Machine Replacement ◽  
The Impact

Transformation of digitalization in large industries has an impact on the automation of production equipment, including the replacement of production machines from conventional machines (manual) to digital machines. Meanwhile, automation of production equipment requires workers with higher skills, in fact the existing workforce does not have expertise in carrying out all-digital equipment. The impact is a reduction in labor (layoffs). Machine replacement is done in stages so that the reduction of workforce (PHK) in bulk is not visible. However, the inconsistency between the preparation in the world of education and the needs in the world of work continues to occur today. Until now, vocational development based on local resources has not been operating optimally and needs serious attention from the local government. The government on various occasions mentioned four leading sectors that will be strengthened in the development of vocational institutions, namely maritime, tourism, agriculture (food security), and the creative industry. In addition, the government is also developing a policy scheme for Skill Development Funds (SDF), which is a skills improvement program for workers affected by automation (PHK), including through Vocational Training Center (BLK).

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