Sistem perbankan Islam di Malaysia : satu kajian persepsi dan penerimaan masyarakat Pulau Pinang
Loading...
Date
2001-02
Authors
Omar, Mohd Kamal
Journal Title
Journal ISSN
Volume Title
Publisher
Abstract
Generally, this research aimed at studying the position and development of the Islamic
Banking System (IBS) in Malaysia. Focus of the research is to survey public acceptance
and perception on IBS, which had started since 1983. The research chose Penang as its
prime location.
Specific objectives of this research are firstly, to survey the perception of the people in
Penang on the present and future development of IBS. Secondly, to analyze the
perception of people in Penang on the products and services offered by IBS. Thirdly, to
evaluate the products offered by the IBS from the perspective of syaria.h. Fourthly to
scrutinize the sufficiency of the IBS promotions, and fifthly, to explore readings and
acceptance of the people in Penang toward using IBS as an option or alternative to the
existing Conventional Banking System.
This research obtained several finding; others the people of Penang have positive
perception on the development of IBS present and the future. However, they have
negative perception towards the products of the IBS. They felt that the products are
significant different from the ones offered by Conventional Banking System. Even more
surprisingly they believed that some IBS products such as loans and contracts alike are
burdensome and troublesome.Further finding reveals common stance of religious figures that the IBS products offered
presently have fulfilled the principals of the syariah. In terms of adequacy of IBS
promotion that the research found that it is still insufficient. The respondents
mentioned the need for extensive explanation to giving them a better understanding
and advantages to continue transactions using IBS. In general, however, people in
Penang have accepted IBS as theĀ· substitute or alternative to Conventional Banking
System.
Description
Keywords
Banking