Sistem perbankan Islam di Malaysia : satu kajian persepsi dan penerimaan masyarakat Pulau Pinang

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Date
2001-02
Authors
Omar, Mohd Kamal
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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.
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Banking
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