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1
Pham, Long, and Doan Ngoc Phi Anh. "Intention to Use E-Banking in a Newly Emerging Country." International Journal of Enterprise Information Systems 10, no. 2 (April 2014): 103–20. http://dx.doi.org/10.4018/ijeis.2014040106.
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E-banking is seen as the newest delivery channel for banking services in many developed countries and is believed to have a significant impact on the bank market. It is contended that e-banking is providing numerous opportunities for banks and non-bank financial institutions to add a low cost distribution channel to their existent distribution channels in order to better serve their customers by offering high quality products and services. Little research on factors influencing the intention to use e-banking has been implemented in newly emerging countries such as Vietnam. Thus, this study has, based on an extensive literature review on e-banking benefits for both banks and their customers and relevant theories on innovation adoption, proposed a comprehensive model of e-banking intention to use by customers in Vietnam. Based on the structural equation modeling technique, both linear and non-linear effects were tested. The results show that subjective norms, perceived ease of use, trust, and perceived benefit were statistically significant in directly influencing intention to use e-banking. In addition, subjective norms, perceived ease of use, and trust were statistically significant in indirectly influencing intention to use e-banking via perceived benefit. Practical implications and future studies were also discussed.
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Fauzi, Abu Amar, and Tatik Suryani. "Measuring the effects of service quality by using CARTER model towards customer satisfaction, trust and loyalty in Indonesian Islamic banking." Journal of Islamic Marketing 10, no. 1 (March 4, 2019): 269–89. http://dx.doi.org/10.1108/jima-04-2017-0048.
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PurposeThere are two primary objectives of the research. Firstly, the study aims to explore the service quality dimension of Indonesian Islamic banking using a CARTER model. Secondly, the study aims to examine the relationship of service quality towards customer satisfaction, trust and loyalty in Indonesian Islamic banking.Design/methodology/approachThe conceptual framework of the study will be examined using the PLS–SEM approach. Then, it will be examined using the 392 collected data from Indonesian Islamic banking customer in Surabaya.FindingsReliability becomes a key driver of customer satisfaction towards Indonesian Islamic banking. Then, customer loyalty will improve more significant if the Indonesian Islamic bank can firstly improve its customers trust.Research limitations/implicationsThe research results are questionable to represents Indonesia in general because all the sample of the research is Islamic banking customers in Surabaya, East Java Province.Practical implicationsUpdating with the newest technology in delivering integrated products or services will lead Indonesian Islamic banking satisfying its customer more. Then, Indonesia Islamic banking should develop the capability of human resources related to banking skills and understanding of Islamic principles to increase customer trust.Originality/valueThis research is essential in complementing the previous research regarding the level of contribution of compliance in Indonesia Islamic banking. Then, the research discusses how compliance becomes an essential part of service quality that could increase the market share of Indonesian Islamic banking by enhancing the level of customer trust.
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Ahamat, Amiruddin. "Is Islamic Banking and Finance Doing Enough? Shaping the Sustainable and Socially Responsible Investment Community." Asian Social Science 13, no. 3 (February 21, 2017): 170. http://dx.doi.org/10.5539/ass.v13n3p170.
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Islamic finance assets advanced at double-digit rates during the past decade, from about US$200 billion in 2003 to an estimated US$1.8 trillion at the end of 2013 (Ernst & Young 2014; IFSB 2014; Wyman 2009). Hence, despite this growth, Islamic finance and its related products are still focused in the Gulf Cooperation Council (GCC) countries, and Malaysia, and represent less than 1 percent of global financial assets. While, Islamic banking and finance sector, should responsive to small medium enterprises mitigating liability of smallness and newness. The factors mitigating the inherent liabilities associated with new entrepreneurial startups were found to be institutional support. Institutional support was also found to be an important factor of success for new startups. The primary focus of this study is to examine the critical role of Islamic Banking and Finance, expanding and facilitating entrepreneurial opportunities. This study draws on triple bottom line concept (people, planet and profit), by developing standards equivalent to triple bottom line reporting for Islamic banking and financial institutions, and disseminating independent and objective research to relevant stakeholders. This includes examining the potential positive or negative social impact of Islamic Banking and Finance on the financially sustainable and responsible community.
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Gunawan, Andy, and H. H. Daniel Tamburian. "Pengaruh Sponsorship terhadap Brand Awareness Livin’ by Mandiri (Studi pada Event E-Sport MPL ID Season 8)." Kiwari 1, no. 1 (March 1, 2022): 143. http://dx.doi.org/10.24912/ki.v1i1.15619.
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Sponsorship is a type of marketing or advertising that, when done correctly, can be very effective. Livin' by Mandiri, a mobile banking product that is accessible and has a target market of young people who need practicality, is one of Bank Mandiri's newest products. The purpose of this study was to know if sponsorship at the MPL ID Season 8 event influenced Livin' by Mandiri's brand awareness. Sponsorship and Brand Awareness are the variables used in this study. In this study, sponsorship has three dimensions: target audience reach, compatibility with the company's or brand's positioning, and message capacity. In this study, brand awareness has four dimensions: Unaware of Brand, Brand Recognition, Brand Recall, and Top of Mind. This study used quantitative research methods, and the population studied in this research is the MPL ID Season 8 audience, which has an average viewership 447,142 viewers. The Slovin formula was used to find the number of samples needed in this research. The data in this study indicates that sponsorship at the MPL ID Season 8 event has an effect on Livin' by Mandiri brand awareness, there is a sufficient connection between sponsorship and brand awareness, and there is a strong influence between sponsorship and brand awareness. Sponsorship merupakan salah satu cara pemasaran atau periklanan yang sangat efektif jika dilakukan dengan tepat. Salah satu produk terbaru dari Bank Mandiri adalah Livin’ by Mandiri, produk mobile banking yang dapat diakses dan mempunyai target pasar anak-anak muda yang membutuhkan kepraktisan. Tujuan penelitian ini adalah untuk mengetahui apakah sponsorship pada event MPL ID Season 8 berpengaruh terhadap brand awareness Livin’ by Mandiri. Variabel pada penelitian ini adalah Sponsorship dan Brand awareness. dimensi sponsorship adalah Target Audience Reach, Compatibility with the Company’s or Brand’s Positioning & Message Capacity. Dimensi brand awareness yaitu Unaware of Brand, Brand Recognition, Brand Recall, Top of Mind. Peneliti menggunakan metode penelitian kuantitatif dan populasi penelitian ini adalah penonton MPL ID Season 8 yang mempunyai average viewers sebanyak 447,142 penonton. Untuk menentukan jumlah sampel yang dibutuhkan, peneliti menggunakan rumus Slovin. Hasil data pada penelitian ini menunjukkan bahwa terdapat pengaruh dari sponsorship pada event MPL ID Season 8 terhadap brand awareness Livin’ by Mandiri. Dari data penelitian ini, ditemukan bahwa terdapat hubungan yang cukup antara sponsorship dan brand awareness, dan terdapat pengaruh yang signifikan antara sponsorship dan brand awareness.
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Devi, R. Seranma, and M. G. Saravanaraj. "Non-Banking Products through Banking Arena – Customer Choice." Asian Journal of Research in Social Sciences and Humanities 6, no. 7 (2016): 1437. http://dx.doi.org/10.5958/2249-7315.2016.00521.9.
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Mussina, A., S. Albekova, and J. Shakirova. "Pricing Mechanism of Banking Products." EUROPEAN RESEARCH STUDIES JOURNAL XXI, Issue 2 (November 1, 2018): 665–77. http://dx.doi.org/10.35808/ersj/1031.
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Pham, Long, Nhi Y. Cao, Thanh D. Nguyen, and Phong T. Tran. "Structural Models for E-Banking Adoption in Vietnam." International Journal of Enterprise Information Systems 9, no. 1 (January 2013): 31–48. http://dx.doi.org/10.4018/jeis.2013010102.
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E-banking is seen as the newest delivery channel for banking services in many developed countries and is believed to have a significant impact on the bank market. E-banking is providing numerous opportunities for banks and non-bank financial institutions to add a low cost distribution channel to their existent distribution channels. Little research on factors influencing the adoption of e-banking has been implemented in countries with very high economic growth rates (such as Vietnam) that are emerging as new potential markets. Thus, this study has, based on an extensive literature review on e-banking benefits for both banks and their customers and relevant theories on innovation adoption, proposed alternative models (including both moderator and mediating effects) of e-banking intention to use by customers in Vietnam. Furthermore, a set of model hypotheses presenting relationships among factors influencing e-banking intention to use have been set up. Practical implications and future studies were also discussed.
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Fortea, Costinela, and Viorica Ioan. "Promotion of Banking Products and Services." Annals of Dunarea de Jos University of Galati. Fascicle I. Economics and Applied Informatics 25, no. 2 (July 31, 2019): 107–11. http://dx.doi.org/10.35219/eai1584040939.
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Kamarulzaman, Yusniza, and Azian Madun. "Marketing Islamic banking products: Malaysian perspective." Business Strategy Series 14, no. 2/3 (March 8, 2013): 60–66. http://dx.doi.org/10.1108/17515631311325114.
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Zakir oğlu Şükürov, Nurlan. "Quality of banking products and services." SCIENTIFIC WORK 76, no. 3 (March 18, 2022): 69–73. http://dx.doi.org/10.36719/2663-4619/76/69-73.
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Müasir bazar iqtisadiyyatı şəraitində bankların fəaliyyəti və banklar vasitəsilə əhaliyə təqdim olunan məhsullar və xidmətlər öz aktuallığını artırır. Aydın məsələdir ki, müştəri qismində çıxış edən fiziki və hüquqi şəxslər öz tələbatlarını təmin etmək məqsədilə bank məhsullarını əldə etməyə cəhd edirlər. Bu səbəbdən də hər bir müştəri banka müraciət etməmişdən daha öncə ona lazım olan bank məhsulu haqqında məlumat toplamağa başlayır. Belə olan təqdirdə isə banklar öz məhsulları haqqında olan bütün informasiyaları ictimaiyyətə açıq formada paylaşmalıdırlar ki, əhalinin ayrı-ayrı kütlələri bank məhsulları ilə əlaqədar bütün informasiyaları tam şəkildə əldə edə bilsinlər. Tədqiqat işinin əsas məqsədi bank məhsullarının mahiyyəti, eləcə da bank məhsul və xidmətlərinin keyfiyyətinin tədqiq olunmasıdır. Açar sözlər: bank, bank məhsulu, kredit kartlar Nurlan Zakir Shukurov Quality of banking products and services Abstract In a modern market economy, the activities of banks and the products and services provided to the population through banks are becoming increasingly important. It is clear that individuals and legal entities acting as customers try to obtain banking products to meet their needs. For this reason, each customer begins to gather information about the banking product he needs before applying to the bank. In this case, banks should share all information about their products in an open manner so that certain sections of the population have full access to all information related to banking products. The main purpose of the research is to study the essence of banking products, as well as the quality of banking products and services. Key words: bank, banking product, credit cards
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Stalin, D. C., and Mahmoud Nayef Al-Manayseh. "Economic and Financial Implications of E-Banking in India." Shanlax International Journal of Commerce 8, no. 2 (April 1, 2020): 22–29. http://dx.doi.org/10.34293/commerce.v8i2.2365.
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Electronic Banking act, perhaps, the newest ways to provide comfort to the customer in regards to fiscal transactions. The significant idea is to provide a movement of organizations to the customer in the course of the web and cause the customer to feel versatile in getting out straightforward undertakings quicker rather than step over the bank unfailingly. Now, assured, for the most part, pleasing and less danger orchestrated looked by using banking parts the utilization of E-commerce. Electronic Banking is treated to significantly influence banks’ exhibition. An ever-increasing number of individuals are adjusting to this procedure, and the financial business will unquestionably expand. The development of E-Banking started with the usage of ATMs and has incorporated mobile banking, direct invoice section, E-store, and online banking. The present research shows that effective use based on Electronic Banking can empower their nearest banks to reduce working costs and give an unrivaled and snappy help of their customer. It gives a comprehension into various piece of Electronic Banking. The move from the proper banking to Electronic Banking has been a striking change in Indian financial history. In this way, Electronic Banking today ends up being a solid creative instrument in conveying refined and improved administrations to clients. This examination uncovers that the economic and financial implications associated with Electronic Banking in India.
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Kurniawan, Indra. "Religiosity in The Decision to Use Islamic Banking Products." Jihbiz jurnal ekonomi keuangan dan perbankan syariah 4, no. 2 (July 21, 2020): 196–225. http://dx.doi.org/10.33379/jihbiz.v4i2.862.
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This study aims to examine the effect of religiosity on decisions to use Islamic banking products; whether there is an influence between the facilities on the decision to use Islamic banking products; whether there is an influence between knowledge on the decision to use Islamic banking products; and whether there is an influence between promotion on the decision to use Islamic banking products. Based on the results of research and discussion, it can be concluded. First, religiosity does not have a significant effect on the variables of customer decisions in using banking products. Second, the facility has a significant influence on the customer's decision variable in using Islamic banking products. Third, knowledge has a significant influence on customer decision variables in using Islamic banking products. Fourth, the promotion has a significant influence on customer decision variables in using Islamic banking products. Fifth, religiosity does not affect, while facilities, knowledge, and promotions have a joint effect on customer decisions in using sharia banking products at BNI Syariah.
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Postelzhuk, Elena N. "The Main Information Products of the Regional Universal Research Libraries of Ukraine." Bibliotekovedenie [Library and Information Science (Russia)], no. 3 (June 20, 2013): 86–91. http://dx.doi.org/10.25281/0869-608x-2013-0-3-86-91.
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There are discussed the information and analytical products of the regional universal research libraries of Ukraine of 2010-2011. There are analyzed the peculiarities of the traditional and the newest types of the information products of libraries.
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Hossain, Mohammad Zahed. "Antecedents of E-Banking Services by Customers for the Selected Commercial Banks in Sylhet, Bangladesh." International Journal of Economics and Finance 9, no. 1 (December 13, 2016): 47. http://dx.doi.org/10.5539/ijef.v9n1p47.
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<p>This study is conducted to identify customers view regarding cost effectiveness, time savings and security of different types of e-banking products like online banking, ATM banking, internet banking, mobile banking and telephone banking. E-banking is the alternative delivery channels that banks adopted for providing efficient banking services through the help of internet, computers, mobile phone etc. Banks’ customers were considered as population and primary data were collected through questionnaire. Descriptive statistics and Chi-square test were used for analyzing the data. The results indicated that customers prefer ATM banking services most, next to follow mobile banking and online banking. The customers believed that all types of e-banking products save time and except telephone banking others types of e-banking products were secured. Online banking and ATM banking services were not considered as cost effective. Analysis indicated no relationship between online banking and different demographic variables. ATM banking services was highly influenced by most of the demographic variables whereas internet banking, mobile banking and telephone banking influenced by few demographic variables i.e. age groups, education level, and monthly income. The results help banks to develop varieties of e-banking products and formulate strategies by considering the demographic characteristics of the customers. Customers expect more users friendly e-banking products along with diversify features and suggested to develop latest e-banking products like mobile apps based banking for ensuring long term customers relationship, attracting potential customers and keeping existing customers that may ensure consistent growth and profit as well.</p>
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Rasheed, Rabia, and Ajay Chauhan. "Challenges in Marketing of Islamic Banking Products in Malaysia." Journal of Accounting and Finance in Emerging Economies 1, no. 1 (June 30, 2016): 41–54. http://dx.doi.org/10.26710/jafee.v1i1.63.
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The history of banking is as old as Islam but the histoy of Islamic banking is only half a century old. It is agreed that Islamic banking started with a saving bank based on profit sharing in Mit Ghamr, Egypt in 1963. But, the first proper Islamic bank is deemed to be the Nasser Social Bank in 1971, again in Egypt. In 2013, after 50 years, there are about 400 Islamic banks and institutions in 53 countries with a fund based of USD 992 billion and asset based of USD 1.3 trillion. When Islamic banking started, Malaysia was busy with independence. Therefore, the start of Islamic banking in Malaysia was delayed by two decades. Malaysia passed Islamic banking Act in 1983 to start Bank Islam Malaysia Berhad with a capital based RM 80 million. The next three decades saw a tremendous growth. By 2013, there were 16 domestic and 5 international Islamic banks in Malaysia with an asset based of RM 442 billion, which does not include 15 Takaful operators. In spite of this tremendous growth, Islamic banking does not compare with conventional banking in terms of volume and acceptability. There have been studies which show that while 80% of the banking customers in Malaysia are aware of Islamic banking, but were not aware of Islamic banking products like Ijarah, Murabahah, etc. This conceptual paper brings out the challenges of marketing Islamic banking products in Malaysia and traces the roots of the problem to the lack of customer centricity.
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Ali, Mohammad Mahbubi. "Toward Islamic Banking Without Tawarruq." ICR Journal 8, no. 2 (April 15, 2017): 256–59. http://dx.doi.org/10.52282/icr.v8i2.199.
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Islamic financial products have evolved and developed remarkably from simple and straightforward structures to highly sophisticated and multifaceted instruments. During the 1980s and 1990s, Islamic financial products were dominated by deposits and savings, syndicated project financing, Shari’ah-compliant stocks and mutual funds. The last two decades have witnessed the unveiling of more complicated structures, including various sukuk models, derivatives, Islamic structured products, Islamic hedge funds, and others. Most, though not all, of these replicate conventional products, splicing together nominate contracts from the Islamic fiqh legacy with a few modern modifications to meet legal requirements and to become Shari’ah-compliant’.
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Kanhoush, J. "Features of independent (banking) guarantees as one of the islamic banking products." Courier of Kutafin Moscow State Law University (MSAL)) 1, no. 8 (October 13, 2020): 170–88. http://dx.doi.org/10.17803/2311-5998.2020.72.8.170-188.
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Firmansyah, Muhammad. "Implementation of Contract Hybrid Concept in Multi Services Products (Aplication of the Warranty Bank Products/Kafalah in Syariah Banks)." International Journal of Nusantara Islam 4, no. 2 (August 23, 2016): 85–96. http://dx.doi.org/10.15575/ijni.v4i2.1253.
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Product of multi services in sharia banks presented in order to meet the needs of society as well as the development of the era transactions that course in accordance with Islamic principles, then the ownership in the syariah products including multi product in Islamic banking services using the concept of multi akad therein. This is done so that innovation in Islamic banking products had been developed so that it can be chosen by the public in conducting business transactions. Likewise, the multi-service bank guarantee products in Islamic banking, is a multi product contract, where there is more than one contract. Bank guarantees in Islamic banking is generally called kafalah product because this product is Kafalah main contract, followed by Ijarah contract, wadiah, and qardh. This paper examines the concept of multi-contract/contract executed hybrid shariah banking at bank product warranty/kafalah
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Sahoo, Bibhu Prasad, Amandeep Singh, and Neeraj Jain. "GREEN BANKING IN INDIA: PROBLEMS AND PROSPECTS." International Journal of Research -GRANTHAALAYAH 4, no. 8 (August 31, 2016): 92–99. http://dx.doi.org/10.29121/granthaalayah.v4.i8.2016.2566.
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Green banking is different from traditional banking, as green banking focus on promoting environment friendly banking. Green banking is also known as ethical banking. This paper attempts to analyze the adoption of green banking products among customers with different age groups. ANOVA and post hoc tests are applied for analyzing the objectives. This paper finding explains that there is significant difference in the usage of green banking products across various age groups individuals, as young generation is more inclined towards green banking products than middle age and senior age groups. Therefore, more awareness is need to be created among the middle and senior age groups individuals.
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Katan, L., and S. Sotnikov. "BASIC APPROACHES TO CLASSIFICATION OF BANKING PRODUCTS." Investytsiyi: praktyka ta dosvid, no. 22 (November 30, 2018): 5. http://dx.doi.org/10.32702/2306-6814.2018.22.5.
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Viblyi, P., I. Lashchyk, and P. Diakiv. "Fintech products use in Ukraine banking system." Galic'kij ekonomičnij visnik 65, no. 4 (2020): 121–27. http://dx.doi.org/10.33108/galicianvisnyk_tntu2020.04.121.
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Aris, Nooraslinda Abdul, Rohana Othman, Rafidah Mohd Azli, Mardiyyah Sahri, Dzuljastri Abdul Razak, and Zaharuddin Abdul Rahman. "Islamic Banking Products: Regulations, Issues and Challenges." Journal of Applied Business Research (JABR) 29, no. 4 (June 28, 2013): 1145. http://dx.doi.org/10.19030/jabr.v29i4.7922.
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The Islamic world is in its evolutionary phase. Islamic finance whichcomprises the banking system, takaful (Islamic insurance) and capital market productsand services offer an alternative to society. The development is said to bephenomenal with a double-digit annual growth rate since its inception. McKinsey & Company (2007) in his study stated thatthe value of Islamic banking assets and assets under Islamic management isexpected to reach USD1 trillion by 2010, with Islamic banks growing morerapidly than the average banking sector in most countries. As of 2009,worldwide assets under shariah compliance grew four times from 0.5% to 2% ofthe world economy and reached MYR3.5 trillion (PEMANDU,2010). With the increasing trends of Islamic finance, Islamic financialinstitutions (IFIs) around the world are encouraged to develop and innovate newproducts in order to meet the ever-changing demand from its customers andpotential customers. The introduction of new Islamic products does impose somechallenges, not only to the practitioners and Shariah council members, butalso to society at large, as they are the ultimate users of the product. Thispaper aims to look at the development and regulations of new Islamic banking productswith focus given more on Islamic house financing. Such developments bring aboutvariation in the products introduced to the public as different contracts are adopted.The focus will be mainly on IFIs operating and regulated in Malaysia withspecific enforcement by the countrys regulators.
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Franchini, Massimo, Enrico Capuzzo, Rosalia Turdo, and Claudia Glingani. "Quality of Transfusion Products in Blood Banking." Seminars in Thrombosis and Hemostasis 40, no. 02 (January 28, 2014): 227–31. http://dx.doi.org/10.1055/s-0034-1365840.
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The primary goal in transfusion medicine and cellular therapies is to promote high standards of quality and produce ever safer and more efficacious products. The establishment of a transfusion service quality management system, which includes several organizational structures, responsibilities, policies, processes, procedures, and resources, is now mandatory and widely regulated worldwide. In this review, we summarize the current knowledge on the quality system in transfusion medicine as applied to the production of blood components, including red blood cells, platelets, and fresh frozen plasma.
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Chauhan, Ajay, and Rabia Rasheed. "Bank Islam: marketing of Islamic banking products." Emerald Emerging Markets Case Studies 5, no. 8 (December 3, 2015): 1–16. http://dx.doi.org/10.1108/eemcs-10-2014-0236.
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Subject area The case discusses Islamic Banking Principles and Products (Banking), Business Strategy for Niche Markets (Strategic Management) and Segmentation and Marketing Strategy (Marketing Management). Study level/applicability Undergraduate Graduate Training – Executives at junior level. Case overview This case is about the dilemma faced by Azhar Mehmud, a newly recruited Marketing Manager, Islamic Products (MMIP) in Bank Islam on six-month probation. Prior to Bank Islam, Azhar had an MBA degree from the UK and about 15 years of experience of business development in a multi-national bank in Indonesia. Looking at his experience, he was awarded to promote Islamic banking (IB) products in Malaysia where the competition was very intense. After his interactions with customers for about six to seven months, he prepared a report for his boss, General Manager, Consumer Banking (GMCB). In this report, he had summarized the challenges of marketing IB products in a market meant for conventional banking. When he presented the report to GMCB, he met with unfavorable reactions. GMCB was not convinced that IB products had any competition from conventional banking. He gave Azhar one additional month to either revise his thinking or quit the organization. Expected learning outcomes The expected learning outcomes are as follows: to enhance the awareness of IB products, principles and differences from the conventional banking products; to introduce the concept of business strategies for niche markets; to make students realize the importance of segmentation in view of niche market like IB. Supplementary materials Teaching notes are available for educators only. Please contact your library to gain login details or email support@emeraldinsight.com to request teaching notes.
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Shafique, Muhammad Nouman, Naveed Ahmad, and Hussain Ahmad. "Marketing Islamic Banking Products Evidences from Pakistan." Nigerian Chapter of Arabian Journal of Business and Management Review 3, no. 5 (2015): 19–30. http://dx.doi.org/10.12816/0014512.
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Thambiah, Seethaletchumy, Shanti Ramanathan, and Mohammad Nurul Huda Mazumder. "The Determinants Of Islamic Retail Banking Adoption In Malaysia." International Business & Economics Research Journal (IBER) 11, no. 4 (March 21, 2012): 437. http://dx.doi.org/10.19030/iber.v11i4.6880.
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This study aims to examine the factors affecting the adoption of Islamic retail banking (IRB) products and services among the banking customers of Malaysia. The market share of Islamic retail banking remains low despite being in operation for the past 28 years. Therefore, an empirical analysis was conducted to study the usage of Islamic retail banking products and services between the urban and rural banking customers of Malaysia. Comparisons were also made on the usage of Islamic deposits and financing schemes between the Muslim and non-Muslim customers. The findings of the study revealed, relative advantage, promotional efforts, complexity, compatibility and awareness on attributes of Islamic retail banking as the significant determinants of the usage of Islamic retail banking products and services. Thus, the findings of this study serves as a valuable guideline to the banking sector and policy makers to devise appropriate marketing strategies to promote Islamic retail banking products and services aggressively among the banking customers of Malaysia.
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Belyaeva, Svetlana, and Dzhannet Shikhalieva. "Trends in the development of banking products and services in modern realities." KANT 37, no. 4 (December 2020): 32–37. http://dx.doi.org/10.24923/2222-243x.2020-37.6.
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This article discusses the essence of such concepts as banking services and products. The classification of banking products according to different criteria is given. The stages of the life cycle of the banking product (service) are disclosed. The current state and problems of promotion of banking products and services in conditions of coronacrisis are assessed. The main trends of further development of competition of the banking sector in this segment are highlighted.
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Масленников, Анатолий, Anatoliy Maslennikov, Надежда Масленникова, and Nadezhda Maslennikova. "ISSUES OF DEVELOPMENT AND IMPLEMENTATION OF INNOVATIVE BANKING PRODUCTS." Services in Russia and abroad 10, no. 5 (August 29, 2016): 69–80. http://dx.doi.org/10.12737/21197.
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Many banks are successfully working in the conditions of growing competition and declining profitability; they are looking for new options to increase the number of their customers, reduce operating costs and improve the efficiency of operations. Medium-sized and large banks, which, as a rule, have numerous and very costly structure, with great difficulty manage to fulfill these requirements. The solution of this problem is possible through the development and introduction of innovative banking products and the provision of modern banking services. Creation of innovative banking products and services –it is the transition from the focusing on the mandatory adherence to applicable regulations, centralized management and the priority of the executive to the orientation on a customer, decentralized management and technology deserted. Creation of innovative banking products and services - is the transition from the orientation to the mandatory adherence to applicable regulations, centralized management and the priority of an executive to orientation on the customer, decentralized management and untended technologies. The main prerequisites for the development of innovative banking products are: individual approach to customers, the development of information and communication technologies, and the active introduction of self-service. Innovative banking products are significantly less time-consuming for the use of bank employees’ work, but functionally more flexible and profitable; the strategy of commercial banks is built based on them. Creation of innovative banking products and services - it is: 1) a definite step in the development of banking technologies, aimed at building a modern strategy of commercial banks; 2) a new organization of interaction with the client in the delivery of banking services. The concept of creation of innovative banking products and services include the following principles: implementation of responsibility decentralization to the level of additional office; development of intra-entrepreneurship; development of customer-oriented organizational structure; decentralization of work leading to the integration of strategic and operational liability; the introduction of material incentives for the individual activity results on a contract basis; development of self-service based on the complex of automated banking devices and information technologies. Implementation of these principles will lead to the direct process of introduction of innovative banking products and services, and focuses the bank employees on meeting customer needs.
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Usman, Muhammad, and Nabeel Taj Ghouri. "Reasons and Causes that Prevent Customers from Buying Consumer Banking Products in Pakistan." International Journal of Accounting and Financial Reporting 1, no. 1 (December 31, 2014): 549. http://dx.doi.org/10.5296/ijafr.v4i2.6868.
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Consumer banking refers to that banking products and services which are directly given by banks to consumers that are personal loan, auto loan, house loan and credit card. . Customers face some problems while buying consumer banking products and services, such as high interest rate, lack of awareness, inappropriate service, arrangement of securities and procedural complications. This study aims to analyze the relationship between perceived problems and consumer banking products. Survey based methodology was used for data collection. For this purpose a close ended questionnaire was designed. The target population was Lahore Pakistan. Interest rate, customer service, security issues and procedural complications are proven to be the problems faced by the customers while buying consumer banking products. But lack of awareness proved to be wrong which means that respondents are aware of consumer banking products.
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Naveed, Shagufta, Muzammil Khurshid, and Muhammad Azeem. "A Gender based Analysis of Awareness Level and Willingness regarding Islamic Banking Products and Services: An Evidence from Pakistan." Journal of Islamic Thought and Civilization 10, no. 101 (June 2020): 182–96. http://dx.doi.org/10.32350/jitc.101.10.
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The objective of this study is to check the gender-wise awareness level and willingness regarding products and services of Islamic Banking in Pakistan. Islamic banking means a system in which banking operations and activities are defined by Islamic Jurisprudence.As Pakistan is a Muslim majority country, it is important to analyze the awareness level about Islamic Banking products and services. By using random sampling, a questionnaire was distributed to 300 men and women respondents from different cities of Pakistan to collect data. This study employed descriptive analysis and independent t-test to analyze the results.The study concluded that there is a lack of awareness of Islamic Banking products and services in both men and women.The study found that women exhibited a low level of awareness but they are more willing to move towards Islamic Banking products and services if the management of Islamic Banks properly guides and explains them the attributes of Islamic Banking products and services because they are keen toward religion as compared with men.
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Bidabad, Bijan. "Insurance Products in Rastin Profit and Loss Sharing Banking." Indian Journal of Finance and Banking 3, no. 1 (June 28, 2019): 40–54. http://dx.doi.org/10.46281/ijfb.v3i1.344.
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Purpose: This paper aims to explain new insurance products and policies in Rastin Profit and Loss Sharing (PLS) Banking. Rastin Banking is a full Islamic Banking System with all necessary parts for banking operations that can be installed in conventional and Islamic banks both. In this paper, we are going to explain the milestones of new insurance products and policies.
Design: Rastin Banking complies with the nature of the intermediary financial activity and has a new type of banking operations. The systems and instruments of this type of banking have different risk treatments, and new insurance policy and measures should be defined to cover the risks of the operations In order to fulfill this goal, appropriate insurance policies are described.
Findings: Some new insurance products are defined such as Certificate Insurance, Insurance of Market Value of Certificate, Responsibility/Engineering Insurance, Insurance of Accidents Concerning the Article of Sharing, Collateral Insurance, Loss Margin Insurance, Profit Margin Insurance, Merchandise Transportation Insurance, Production Equipment and Installations Insurance, Product Quality Insurance, Insurance of Commodity under Production, Inventory Insurance, Production Limited Loss Insurance, Transaction Limited Loss Insurance to handle Rastin Banking.
Research limitations: Many of these insurance policies are new and require more elaborations for further practical development and adjustment.
Practical implications: These insurance products can be used both in Rastin Banking operations as well as conventional business and finance arrangements. These insurance policies have no conflict with indisputable legal principles, and insurance companies can supply these insurance products based on their own actuary calculations.
Social implications: The introduced insurance policies actually change profit and loss sharing activity to just profit sharing.
Originality/value: Approach of this system and the designed insurance policies is entirely different and new.
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Al-Hasni, Fariz. "MURABAHAH IN ISLAMIC BANKING SYSTEM." Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah 11, no. 1 (June 26, 2019): 69–88. http://dx.doi.org/10.20414/mu.v11i1.2037.
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Islamic bank products have similarities but are not the same as conventional bank products because they have a ban on usury, gharar, and maysir. Therefore, approval and financing products such as working capital and investment in the form of sale and purchase agreements in Islamic banks must be avoided. sale and purchase agreement that has been discussed by Islamic scholars of muamalah is very much Islamic. The amount can reach dozens if not reached. Even so, of these many forms, there are three types of buying and selling that have been developed as the main support in working capital and investment financing in Islamic banking, namely, bai'al-murabahah, bai 'as-salam, and bai' al-istishna '.
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Yumna, Aimatul. "Examining financial needs of banking customers for product development in Islamic banking in Indonesia." International Journal of Islamic and Middle Eastern Finance and Management 12, no. 5 (November 11, 2019): 712–26. http://dx.doi.org/10.1108/imefm-11-2018-0378.
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Purpose This study aims at product development in Syariah banking, using the theory of Pyramid of Maslahah. Product development are important aspects of Islamic banking to realize Maqasid Al Shariah and to better serve the real economy. Design/methodology/approach To understand the needs of the customers, this study uses qualitative approaches and collects primary data from semi-structured interviews of 25 banking customers in Indonesia. Findings The study found that the group of respondents who have similar characteristics in age, marital status and number of kids tend to have similar financial needs. Some of the needs that have not been fulfilled by Sharia banking are the needs for investment in banking products, the needs for pension plan products and the needs for travelling-related financial products. Practical implications This study proposed that Islamic banking should provide financial products that cater to three needs of the society, including the needs for necessities/essentials (daruriyat), the needs of complementary requirements (hajiyyat) and the needs for beautifications or embellishments (tahsiniyat), to be able to better serve the real economy. Originality/value Financial needs and the life cycle approach can be used for product development in banking industry. However, this approach has not been widely used for consideration in the development of Sharia banking products in Indonesia. This study provides some novelty in Islamic banking customer behavior, especially in understanding financial needs based on the theory of Pyramid of Maslahah.
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Ramli, Mona Fairuz, Maria Abdul Rahman, and Ajay Chauhan. "Assessing the Antecedents of Usage Intention on Islamic Banking Products in Dual Banking." Advanced Science Letters 24, no. 1 (January 1, 2018): 482–84. http://dx.doi.org/10.1166/asl.2018.12045.
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Trimulato, Trimulato. "Sharia Bank Product Development through Mudhrabah Investment." Shirkah: Journal of Economics and Business 1, no. 3 (December 31, 2016): 311. http://dx.doi.org/10.22515/shirkah.v1i3.24.
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Sharia banking now has a strong legal framework with the presence of law number 21 of 2008 on sharia banking in Indonesia. This regulation enforces sharia banking to develop products to achieve the targeted market share of 5%. In third-party fund products, more innovation is needed to attract people to entrust their funds in sharia banks. The visible data of mudharabah fund raising deposit products in March 2013 amounted to Rp100.746.000.000 and Rp115.728.000.000 in mudharabah deposits was visible on April 2014, which is an increase of less than 2% each month. This research uses a qualitative descriptive methodology, and is focused on fund raising products in shari'ah banking, particularly in the form of mudharabah investments for a definitive result. The results show that sharia banking requires innovative fund raising for third-party products, such as mudharabah investment products. These investments provide certainty of results despite using mudharabah and are based on the certainty that projector financing has been agreed by the sharia with the creditor banks. This investment product can be offered to both individuals and groups/collectives.Keywords: sharia banking, investment, mudharabah
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Fitria Mustapita, Arini. "SOCIALIZATION, LITERACY AND IMPLEMENTATION OF SHARIA BANKING PRODUCTS." Journal of Interdisciplinary Socio-Economic and Community Study 1 (2021): 63–67. http://dx.doi.org/10.21776/jiscos.ub.01.02.05.
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The banking world is currently experiencing rapid growth, new banks have emerged such as Islamic banks, so it is inevitable that a competitive and tight banking business will emerge. This service activity is expected to provide provisions for the participants to improve the Islamic economy. Understanding Islamic banking products will provide benefits for them in terms of the Islamic economy. The systematics of the implementation of this service activity is Socialization, Literacy and Implementation with the assisted subjects who are partners of this community service activity are Karang Taruna and Dinoyo Residents in Lowokwaru District, Malang City. The activity is carried out in three stages: problem identification, activity implementation, and implementation evaluation. The result of the implementation of this activity was that the participants expressed their gratitude to us for being allowed to take part in the Islamic banking literacy and socialization activities so that they could open their minds who had so far felt that conventional banks and Islamic banks were the same. This shows that the literacy and socialization of Islamic banking in society are still not active enough, so activities like this should be carried out more frequently.
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ALI, MUHAMMAD AQIB, and TALAT HUSSAIN. "Islamic Banking Products, Services and Objectives: Perspectives of Shariah Supervisors and Regulators." International Review of Management and Business Research 10, no. 1 (March 8, 2021): 247–58. http://dx.doi.org/10.30543/10-1(2021)-21.
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The study is aimed at assessing the opinions of vital Islamic banking stakeholders including members of various Islamic banking Shariah Supervisory Boards (SSBs) and pertinent personnel from Pakistan’s central bank – The State Bank of Pakistan (SBP). The research analyzes the percepts of respondents regarding various aspects relevant to Islamic banking (IB) products, service and objectives. The paper employs qualitative research approach in analyzing the Shariah and regulatory experts’ viewpoints regarding Islamic banking. The study is conducted using semi-structured interviews of twelve Shariah supervisors and nine SBP staff members serving in the Islamic banking department and Islamic banking focus groups in the regional/field offices of the State Bank of Pakistan. The study is of pioneering nature involving qualitative research design and inclusion of two of the most significant stakeholder groups from the Islamic banking sector of Pakistan who have not been included in the past studies regarding Islamic banking perceptions. The research findings highlighted that Shariah objectives are top priority of Islamic banks as per the views expressed by members of Shariah boards of various banks while in opinion of Islamic banking regulators, Islamic banks’ major concern is to achieve their business objectives. Keywords: Islamic Banking, Islamic Finance, Pakistan, Products, Perceptions, Shariah Compliance.
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Santoso, Ivan Rahmat. "Sosialisasi dan Pelatihan Implementasi Akad-Akad dan Produk Perbankan Syariah." Jurnal Pengabdian Pada Masyarakat 3, no. 2 (December 21, 2018): 151–58. http://dx.doi.org/10.30653/002.201832.66.
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DISSEMINATION AND IMPLEMENTATION TRAINING OF CONTRACTS AND ISLAMIC BANKING PRODUCTS. The aim of this community service program is to improve comprehensive and integrative understanding of the community, religious leaders and students regarding products/contracts in Islamic banking. It is expected that the training provided by the dedication objects will be able to implement Islamic banking products / contracts in Islamic economic life. Increasing the effectiveness of sharia banking socialization is very important, for that it requires real efforts. To achieve a goal that is desired, it is necessary to make improvements in socializing Islamic banking in the community, it can be seen from what factors are a problem in increasing the effectiveness of sharia banking dissemination in the community, especially in the community. The results of the activities are the community, religious leaders and students who have knowledge of Islamic banking products and contracts and are able to implement in an Islamic economic life.
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Saba Raja, Jameel Ahmed, and Kaneez Fatima. "Awareness on Islamic Banking: An Investigation on Women Entrepreneurs in Quetta." Journal of Business and Social Review in Emerging Economies 6, no. 4 (December 31, 2020): 1595–609. http://dx.doi.org/10.26710/jbsee.v6i4.1513.
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This study creates the profile of women entrepreneurs in Quetta city and examines their awareness level regarding Islamic banking and its products. The study is descriptive in nature and survey questionnaire was used for data collection. The data from 106 women entrepreneurs were collected who are engaged in multiple business activities in Quetta city. From the results it has been found that majority of the women entrepreneurs (i.e., 60%) knew about the term, Islamic banking but the sample size trimmed down as the research questions moved to awareness about Islamic principles, Shariah board, Islamic banking products, Islamic modes of finance and comparison of Islamic banking with conventional banking. It was found that only 10 (out of 106) women entrepreneurs are highly aware about Islamic banking, Islamic principles, Shariah board, Islamic banking products, and Islamic modes of finance. This study suggests that Islamic banks, scholars, and academicians should collaborate to enhance the awareness by arranging awareness campaigns, workshops, seminars, and training sessions on Islamic banking and its products among women entrepreneurs.
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Trimulato, Trimulato. "Pengembangan Produk Funding Dengan Akad Musyarakah Pada Bank Syariah." FALAH: Jurnal Ekonomi Syariah 2, no. 1 (February 5, 2017): 12. http://dx.doi.org/10.22219/jes.v2i1.4355.
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The rapid development of shariah banking in Indonesia can be seen by its market share which exceeded 5 percent nationally in 2016. Furthermore, the shariah banking have a strong legal law with the presence of the law number 21 of 2008. Total deposits in shariah banking reached 240,974,000,000,000. To increase public interest to choose shariah banking have to innovate in both product funding and product financing. Musharakah contract is currently only used on product financing, weather has not been used in the funding product. This paper uses a descriptive qualitative method, this paper is focused on raising funding products by musharakah contract. To increase the volume of funding products, syariah banking need to use musharakah contract on funding products. The results of this paper concluded that, in the period of December 2015 through December 2016 the musharakah contract on financing products increased up to 29.17 percent. Musyarakah contract has not been used on funding products. Both musharakah and mudarabah have the same pattern as the model for the results. While mudharabah used in funding products, musharakah can also be used for funding products in shariah banking. The Development of funding product with musharakah contract in shariah banking will be profitable for banks and customers. It will be more easily raise money to meet the large volume of financing, then the Musharakah agreement will provide for more great results for customers.
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Drobnjaković, Maja. "Green banking." Journal of Economic Development, Environment and People 2, no. 2 (June 22, 2013): 29. http://dx.doi.org/10.26458/jedep.v2i2.21.
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There is an urgent need to march towards “low - carbon economy”. Global challenges of diminishing fossil fuel reserves, climate change, environmental management and finite natural resources serving an expanding world population - these reasons mean that urgent action is required to transition to solutions which minimize environmental impact and are sustainable. We are at the start of the low - carbon revolution and those that have started on their low - carbon journey already are seeing benefits such as new markets and customers, improved economic, social and environmental performance, and reduced bills and risks. Green investment banks offer alternative financial services: green car loans, energy efficiency mortgages, alternative energy venture capital, eco - savings deposits and green credit cards. These items represent innovative financial products.
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Harris, Michael, K. Chris Cox, Carolyn Findley Musgrove, and Kathryn W. Ernstberger. "Consumer preferences for banking technologies by age groups." International Journal of Bank Marketing 34, no. 4 (June 6, 2016): 587–602. http://dx.doi.org/10.1108/ijbm-04-2015-0056.
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Purpose – The prevailing mindset is that younger people value and more readily adopt technology. The purpose of this paper is to determine if this is true with respect to banking practices. Design/methodology/approach – A survey was conducted to evaluate the importance of mobile, online, and physical-based banking across multiple age groups. Factor analysis and analysis of covariance were used to evaluate the responses. Findings – The results show that older consumers see more value in traditional, physical-based banking, all ages are equally interested in currently emerging technologies (online), and younger users are more interested in the newest technologies. Research limitations/implications – The stereotype of technology-adverse elderly may be too limiting. Age influences are not absolute barriers enacted by time, but are potentially learned behaviors. Practical implications – Practitioners interested in introducing new technologies to the elderly might consider making their innovations more compatible with existing technologies already in use. Originality/value – This study builds on the concepts of technology adoption and previous work on aging as it relates to adoption. However, it is shown that cognitive declines are not the only factor that can explain age-related differences in technology usage. Cohort differences in experience and resources may also be important. This is of value not only to the banks, but to all businesses that rely on consumer use of technology to maintain the business relationship.
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Aduaka, Uchenna, and Olawumi Dele Awolusi. "Electronic Banking and Profitability in the Nigerian Banking Industry." Information Management and Business Review 12, no. 2(I) (November 14, 2020): 20–37. http://dx.doi.org/10.22610/imbr.v12i2(i).3086.
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The primary objective of this study was to assess the impact of electronic banking on profitability in the Nigeria banking industry. An inferential survey research design was adopted. Primary data were collected through questionnaires from both staff and customers of the surveyed bank. It was complemented with secondary data sourced from the company’s audited financial statements for the period 2010 to 2017. Data collected were analyzed using both descriptive and inferential statistics while testing of the hypotheses was done using multiple regression analysis. The study revealed that cards play a significant role more than other channels and immediately followed by ATM. Also, it was observed that E-Banking channels contributed to Bank's profitability, that E-banking services (EBS) had an influence on the retention and loyalty of bank's customers and that the quality of service, security, reliability and efficiency have a definite impact on the usage of the services of e-banking. It was recommended that the Nigerian banking industry should invest more in card products, followed by ATM amongst other electronic channels; as they generate more revenues for the bank. The study also recommended further development of other channels (Mobile, Corporate Payments, POS and internet banking) to further enhance their contribution to the bank's profitability. Nigerian banks should also create a business strategy that is customer-centric by being continuously innovative in identifying the needs of their customers and improving on their products offering while developing new ones, to retain and keep the loyalty of their existing customers while attracting new ones.
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Muhammad Hussain Qureshi and Talat Hussain. "Green Banking Products: Challenges and Issues in Islamic and Traditional Banks of Pakistan." Journal of Accounting and Finance in Emerging Economies 6, no. 3 (October 2, 2020): 703–12. http://dx.doi.org/10.26710/jafee.v6i3.1177.
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Purpose: The issuance of green banking guidelines in 2017 has opened the door of a new banking horizon for Islamic banks because the objective of Islamic banks, objective of Shariah, objective of Islamic economic system and objective of green banking are linked. Banking, especially Islamic banking based on products and one of the main components of green banking guidelines is the development of green banking products. Since green banking is in the infancy stage, therefore, the objective of the study is to explore the issues and challenges in green banking products in Islamic and traditional banks of Pakistan. Methodology: Semi-Structured interview technique is utilized for data collection. The green operation managers and Shariah scholars of sample banks selected as interviewees. Interviews are conducted through telephonic recorded calls and email-interviewing. Total of 26 interviews are conducted. Findings: The results indicate that lack of skills, knowledge, identification of the target market with the appropriate mode of financing and convincing the people are some main obstacles in green banking product formulation and implementation. Implications: At one-point, green banking is an opportunity for Islamic banks to achieve Maqasid-e-Shariah on the other side, it may become an obstacle because it further limits the financing areas for Islamic banks. The situation needs serious attention from policymakers to act at earliest.
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Chmielarz, Witold, and Konrad Łuczak. "Mobile Banking in the Opinion of Users of Banking Applications in Poland." Applied Mechanics and Materials 795 (October 2015): 31–38. http://dx.doi.org/10.4028/www.scientific.net/amm.795.31.
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The objective of this article is to present and analyze the findings of a survey concerning mobile banking services offered by commercial banks to individual clients. The present study conducted by the authors examines the use of banking products and services offered in the mobile channel and the opinions of individual customers on the subject. The findings presented in the article focus on mobile banking applications offered by universal banks in Poland available for mobile devices running the Android, iOS and WindowsPhone operating systems. The paper presents general assumptions of the study, description of the methodology and research sample as well as the analysis of the obtained findings and their discussion. The quantitative study was conducted on a selected sample of respondents with the application of a standardized evaluation method used for the assessment of selected banking products and services.
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Hidayat, Muhammad Rizal, Rizky Tri Utomo, and Khoirun Nisa. "Analysis of the Impact of Gold Credit Product Prohibition on the Society Interest in Using Islamic Banking Products." Journal of Business and Economic Analysis 02, no. 02 (January 2019): 128–48. http://dx.doi.org/10.1142/10.36924sbe.2019.2204.
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The purpose of this research is to analyze the prohibition of gold credit products as the current issue in the world of Islamic Economics and finance and its implications for the interest of the society in using Islamic banking products in Indonesia (a case study in Bank Syariah Mandiri in Semarang City). This research uses the Logistic Regression method to analyze the impact of prohibition of gold credit products on society interest in using Islamic banking products. The results indicate that even though there was a prohibition ruling of buying gold credit products after being previously allowed, the interest of the society in using Islamic banking products did not decrease at all. What underlines the society’s consideration of not reducing their interests in using Islamic banking products is the abundance of alternative Islamic banking products that can be chosen by them according to their preferences. The result of this research can potentially contribute to the revision or renewal of Islamic economics and finance legal policies made by Dewan Syariah N asional Majelis Ulama Indonesia (DSN MUI) namely the Fatwa DSN MUI Number 77/DSN-MUI/VI/2010 about Sale and Purchase of Non Cash Gold.
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Gultom, Mardia Shintia Devi, and Mustapa Khamal Rokan. "Problematika Perbankan Syariah: Solusi dan Strategi Digitaliasasi dalam Meningkatkan Kualitas Produk dan Layanan Perbankan di Bank Sumut Kantor Cabang Syariah Medan." ALEXANDRIA (Journal of Economics, Business, & Entrepreneurship) 3, no. 1 (April 30, 2022): 14–20. http://dx.doi.org/10.29303/alexandria.v3i1.175.
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The purpose of this research is to find out appropriate strategies through the digitization of products and services in order to improve the quality of Islamic banking and be better known by the wider community. The aspects analyzed are islamic banking problems. The synthesis described is the solution and strategy of developing Islamic banking through the role of digitalization in improving the quality of Islamic banking products and services. Among the development strategies of Bank Sumut Syariah Sharia Branch Office Medan, namely through payment and purchasement services and services, SUMUT Mobile, ATM Services, E-Martabe Cards, Strengthening the digitization system to improve the efficiency of Islamic banking services, strengthening human resources in improving the innovation of Islamic banking products, in addition, among the management of Islamic banking development through the use of information digitization is very important so that the existence of Islamic banking is very important so that the existence of Islamic banking is very important so that the existence of Islamic banking is very important so that the existence of Islamic banking is very important so that the existence of Islamic banking is very important so that the existence of Islamic banking the higher so that people's interest in using Islamic banking services and services is increasing
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Hasibuan, Abdul Nasser, and Nofinawati Nofinawati. "Understanding Padangsidimpun City Community in Recognizing and Understanding Sharia Banking Products." Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman 9, no. 2 (December 30, 2021): 206–19. http://dx.doi.org/10.24952/masharif.v9i2.4762.
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Abstract The population of Padangsidimpuan city is 89% Muslim who does not understand Islamic banking, and considers Islamic banking to be the same as conventional banks. The purpose of this paper is to determine the understanding of the people of Padangsidimpun city about Islamic banking products. The theory used is a general understanding, specific understanding, products about Islamic banking. The method used is PAR where the strategy used is a process of approach, research, learning and technical solutions to social problems that can be planned and implemented with the community. Results Public understanding of Islamic banking is only limited to 84 %. While the results of the specific understanding of the people of Padangsdimpuan city, namely the translation of Islamic products and banking, which is 12%, while the second level is an understanding of interpretation of 73%, and for the third level is the highest level, namely the understanding of extrapolation of the people of Padangsidimpuan city of 63%.
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Cao, Yong Min, and Wen Hui Cao. "The Effects and Criterion of Cl- on the Moisture Regain and Bittern Accumulation of Magnesite Products." Advanced Materials Research 197-198 (February 2011): 1561–66. http://dx.doi.org/10.4028/www.scientific.net/amr.197-198.1561.
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To obtain the critical quantity of Cl- content when magnesite products absorb the moisture and effloresce, some experiments were done about the effects of certain elements (the density of brine, the active content of magnesia, maintaining time and modifiers, etc.) on the moisture regain and bittern accumulation of magnesite products. By analyzing the content of water-soluble Cl- in magnesite products, the criterion was arrived at and thus the newest examining method, quantitative analysis method, was found out.
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John, Peter. "Mobile Banking Products and Rural India: An Evaluation." IOSR Journal of Economics and Finance 1, no. 5 (2013): 36–40. http://dx.doi.org/10.9790/5933-0153640.
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