http://e-ilami.unissa.edu.bn:8080/jspui/handle/123456789/2145 2019-11-16T04:32:33Z 2019-11-16T04:32:33Z Liyana binti Jaya http://e-ilami.unissa.edu.bn:8080/jspui/handle/123456789/2992 2019-10-26T07:43:17Z 2016-01-01T00:00:00Z

Title: Indebtedness Issue Among AL-GHARIMIN in Brunei Darussalam Authors: Liyana binti Jaya Abstract: This study aims to give the true meaning of “debt” from the perspective of Islam and identify the definitions of al-Gharimin based on the view of Jurists of the four madhÉhib and Brunei practice. It also seeks the types of debt owed by al-Gharimin recipients as well as investigates the main factors and impacts of being in debt that lead to an arising issue on unexpected rising numbers of al-Gharimin applicants in Brunei Darussalam. This study will only focus on one crucial issue i.e. the indebtedness issue. By identifying the issue beforehand, effective solutions will be recommended to tackle the problem. This study adopts descriptive and survey methods on the data collection. There are seven types of debt found during the survey and the majority are being in debt for government loan schemes, followed by private debts, financing loan and so on. It is found that among the main factors of being in debt are having small amount of monthly income, taking care of a large number of dependants, difficulty in getting job, settling other debts and many more. Thus, the impacts of being indebtedness led to many problems which include family problems, multiple debts occured, feeling disorders, bankruptcy and many more that caused troubles to al-Gharimin themselves. Findings from this research are to guide al-Gharimin Unit and al-Gharimin themselves to surpass the issue. Hence, some recommendations have been suggested in order to mitigate the indebtedness issue among al-Gharimin as well as to raise awareness on this issue.

2016-01-01T00:00:00Z Qaisar Ali http://e-ilami.unissa.edu.bn:8080/jspui/handle/123456789/2984 2019-10-24T05:35:52Z 2018-01-01T00:00:00Z

Title: Quality Services From Customer Perception: Comparative Analysis Between Islamic & Conventional Bank Authors: Qaisar Ali Abstract: The primary objective of this study is to analyse service quality perception of Brunei’s Islamic and conventional bank customers through a comparative approach. The Carter service quality model was deployed as a measurement instrument to analyse, measure and compare the perception of both bank customers. The quantitative data was collected from 255 Islamic and conventional bank customers through purposive snowball sampling using self-administrated questionnaire. The data analysis revealed that Islamic bank customers perceived tangibility as the first, assurance second, empathy third, social responsibility fourth, innovation fifth, Shariah compliance as sixth, reliability as seventh and responsiveness as the eighth dimension of service quality. Whereas, conventional bank customers perceived assurance as first, innovation second, tangibility third, social responsibility as fourth, reliability fifth, responsiveness sixth and empathy as seventh based on their service quality perception. The comparison of mean analysis predicted that Islamic bank customers had better service quality perception compared to conventional bank customers. Similarly, satisfaction analysis found that Islamic bank customers are more satisfied with the provided services compared to conventional bank customers. The findings further predicted that modified Carter model is the most suitable instrument to determine service quality perception of the dual banking system in Brunei. There are certain limitations associated with this study such as small sample size and data collection from specific geographical locations. This study has various practical implications for professional bankers, financiers, regulators and policymakers. The regulators and policymakers of Islamic and conventional banks may implement the findings of this study to improve customer perception through better quality assurance. The study has significantly contributed towards the knowledge on service quality and customer perception particularly in the context of Brunei Darussalam.

2018-01-01T00:00:00Z Nurhasanah binti Haji Awang Morsid http://e-ilami.unissa.edu.bn:8080/jspui/handle/123456789/2939 2019-10-21T02:32:38Z 2016-01-01T00:00:00Z

Title: Alleviating Poverty Through Islamic Microfinance in Brunei Darussalam: A Case Study of Perkasa Programme of Japem Authors: Nurhasanah binti Haji Awang Morsid Abstract: This research aims to analyza the effectiveness of Islamic Microfinance in helping the poor in Brunei Darussalam. Based on a qualitative method using the triangulation technique, this study selected one Islamic Microfinance Provider, which is the Department of Community Development (JAPEM) as its case study. Two types of respondents were interviewed for this case study; two JAPEM officers and 15 microfinance participants of JAPEM's Perkara Programme. An in-depth interview was conducted to find out whether or not the programme could help lessen the poverty level in Brunei...

2016-01-01T00:00:00Z Hassnian Ali Gulam Hussain http://e-ilami.unissa.edu.bn:8080/jspui/handle/123456789/2251 2019-10-09T11:50:39Z 2018-01-01T00:00:00Z

Title: Development of Fintech And Its Potential Impact on Islamic Banking In Brunei Darussalam And Malaysia Authors: Hassnian Ali Gulam Hussain Abstract: The main objective of this research is to study and investigate the potential impact of fintech on the Islamic banking and finance industry in Brunei Darussalam and Malaysia. This research deals with the qualitative method vis a vis an exploratory method with the literature review to accomplish and fulfill the research objectives.Content analysis and Semi-structured interview was employed throughout the research. The NVivo 11, Computer-Assisted Qualitative Data Analysis Software (CAQDAS) is used in this research to analyze and interpret the data. Findings clearly show that Fintech have great potential impact on Islamic finance industry in Brunei Darussalam and Malaysia. Both countries are the pioneers in taking initiatives regarding Fintech. The sectors which can be disrupted due to Fintech are payment sector, consumer banking, crowdfunding and Insuretech. The technologies like Blockchain, smart contracts , artificial intelligence (AI), robo advisors, Internet of Things (IOT's) and cloud computing have great potential on Islamic finance industry. Islamic Financial institutions have to deploy these technologies. Islamic financial institutions can promote financial inclusion through Fintech. Fintech poses opportunities for Islamic finance industry. Fintech offers user friendly, timely and affordable services and products and develop better customer experience. Collaboration model is a most suitable option for both traditional financial institutions and Fintech. Islamic financial institutions in Brunei Darussalam and Malaysia should embrace Fintech and find solutions and new business models through Fintech. This study is a mile stone and unique in a sense it provides a comprehensive overview and importance of an emerging industry i.e. Fintech and investigate the potential impact on Islamic financial industry in Brunei Darussalam and Malaysia. This research also proposes feasible strategies for Islamic financial institution to remain competitive and sustainable in the era of technological revolution and Fintech.

2018-01-01T00:00:00Z