Shafinar Ismail

ORCID: 0000-0002-0339-0003
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About
Contact & Profiles
Research Areas
  • Islamic Finance and Banking Studies
  • Microfinance and Financial Inclusion
  • Education and Islamic Studies
  • Financial Literacy, Pension, Retirement Analysis
  • Islamic Finance and Communication
  • Halal products and consumer behavior
  • FinTech, Crowdfunding, Digital Finance
  • Insurance and Financial Risk Management
  • Fiscal Policy and Economic Growth
  • Housing Market and Economics
  • Banking stability, regulation, efficiency
  • Entrepreneurship Studies and Influences
  • Technology Adoption and User Behaviour
  • Linguistic, Cultural, and Literary Studies
  • Consumer Behavior and Marketing Influence
  • Urban and Rural Development Challenges
  • SMEs Development and Digital Marketing
  • Economic Growth and Development
  • Economic Growth and Productivity
  • Financial Distress and Bankruptcy Prediction
  • Religion, Society, and Development
  • Job Satisfaction and Organizational Behavior
  • Monetary Policy and Economic Impact
  • Retirement, Disability, and Employment
  • Consumer Behavior in Brand Consumption and Identification

Universiti Teknologi MARA
2016-2025

Universiti of Malaysia Sabah
2022

Universiti Malaysia Perlis
2022

Universiti Teknologi MARA System
2021-2022

ORCID
2021

Hospital Pulau Pinang
2018

Technical University of Malaysia Malacca
2015-2017

International Islamic University College Selangor
2015

Purpose The purpose of this study is to assess small and medium-sized enterprises (SMEs) owners’ intentions participate in waqf, involving two countries, which are Malaysia Indonesia, using the theory planned behavior. SMEs backbone many economies, representing 95% all companies worldwide accounting for 60% employment. Based on fact, paper analyzes influence religiosity, knowledge attitude predict SMEs’ owners waqf participation Indonesia. Design/methodology/approach Data were randomly...

10.1108/imefm-01-2022-0014 article EN International Journal of Islamic and Middle Eastern Finance and Management 2022-07-20

Purpose This study aims to show the factors that influence intention of Generation Z Muslims buy halal food products through ShopeeFood. Design/methodology/approach used quantitative methods. The analytical technique is partial least square-structural equation modeling with 230 respondents as a sample in West Java, Indonesia. research was conducted June 2022 by distributing questionnaires via Google Forms and social media. Findings results showed perceived ease use, usefulness, attitudes,...

10.1108/jiabr-04-2023-0120 article EN Journal of Islamic accounting and business research 2024-01-08

The use of digital payment in Indonesia has increased rapidly. number users continues to grow every year, making various zakat institutions, infaq, sadaqah, and waqf start innovating raise funds using a system. This excellent innovation seems contrast with the amount funds, waqf, alms collected; it is still far below potential funds. Many factors influence intention pay Muslim community paying zakat, endowments, alms. Some that need be investigated are religiosity trust factor. aim this...

10.20473/jebis.v6i1.17293 article EN cc-by-nc-sa Deleted Journal 2020-06-30

The local and international communities play an important role in the sustainable growth of Malaysian tourism industry. principle industry was proposed by World Tourism Organization (WTO) 1988. As is one largest fastest growing industries Malaysia, government has poured considerable effort into promoting this consistent with objective Economic Transformation Program (ETP) to transform from a resource-based economy service-based economy. This study aimed test hypothesis tourism-led...

10.5539/ijbm.v13n12p151 article EN International Journal of Business and Management 2018-11-14

This study analyses and presents accounting academics' experiences in six universities Australia, Malaysia, Indonesia to adapt the swift change remote virtual classroom delivery model forced by COVID-19 pandemic, while also gaining valuable lessons from this unique situation. In study, autoethnography's basic principles were used. The main results suggest that universities' combined current information communication technologies, learning management systems, blended experiences, training,...

10.14453/aabfj.v15i2.7 article EN Australasian Accounting Business and Finance Journal 2021-01-01

This research explores the evolution of personal names within Diaspora Jawa Sabah (DJS) community, focusing on how historical events, social changes, and cultural practices have influenced DJS names, particularly after joined Malaysia in 1963. Using content analysis in-depth interviews, study investigates migration history factors shaping linguistic aspects Sabah. The findings reveal four key points: (1) distinct histories Javanese people to compared Malaysian Peninsula, (2) impact...

10.3389/fsoc.2025.1487934 article EN cc-by Frontiers in Sociology 2025-02-07

This study aims to examine the factors affecting financial planning for retirement among gig workers in Peninsular Malaysia. To guarantee well-being during post-retirement life, people need have proper retirement. Using a systematic review of literature, two main online databases, Scopus and Web Science, were used assess literature on past studies based advanced search query enriched keywords: (“FINANCIAL WELL-BEING*” OR “FWB” “FINANCIAL WELLBEING”) AND (“FINANC*” “RETIR*”) (“PLAN*”) from...

10.22610/imbr.v17i1(i).4345 article EN cc-by Information Management and Business Review 2025-02-16

This study intends to investigate the role of social financing in supporting sustainable development and fostering entrepreneurship within small medium enterprises (SMEs) its future directions opportunities Malaysia Saudi Arabia. SMEs are increasingly implementing business models tackle resource constraints environmental issues foster long-term impact. A quantitative research design was employed, with data collected through questionnaires distributed SME owners using purposive sampling....

10.3390/su17051889 article EN Sustainability 2025-02-23

Developing acceptance of e-wallets among low-income groups is challenging due to factors such as financial limitations, digital literacy gaps, and concerns about security usability. This study proposes a relationship model using quantitative research design validate the hypothesized establish their interconnections. The key determinants influencing e-wallet include performance expectancy, effort facilitating conditions, with behavioral intention serving mediating factor. To ensure...

10.24042/ijebi.v10i1.26415 article EN IKONOMIKA 2025-04-27

Purpose Personal bankruptcy is on the rise in Malaysia. The Insolvency Department of Malaysia reported that personal has increased since 2007, and total accumulated cases stood at 131,282 2014. This indeed an alarming issue because increasing number will have a negative impact Malaysian economy, as well society. From aspect individual’s minimizes their chances securing job. Apart from that, account be frozen, lost control assets properties not allowed to start any business nor part company’s...

10.1108/jefas-08-2018-0076 article EN cc-by Journal of Economics Finance and Administrative Science 2019-03-05

Purpose — This research explores the dimensions of perceived iḥsān (altruism) and trust, utilising a framework rooted in Unified Theory Acceptance Use Technology (UTAUT), to comprehensively explore intricate motivations ethical considerations underlying individuals’ engagement with digital waqf platforms. Design/Methodology/Approach Structural Equation Modeling (SEM) was applied analyse primary data collected from 202 Muslims residing four cities Indonesia. Findings ­— The investigation...

10.55188/ijif.v16is1.586 article EN ISRA International Journal of Islamic Finance 2024-05-06

This paper aims to examine the graduates' plans if they remain unemployed for more than one year after graduation. matter is essential as a higher unemployment rate expected due COVID-19 pandemic. By conducting semi-structured interviews on ten graduates in of public universities Melaka, Malaysia, it was found that majority plan apply works even are meant lower level educational background. Besides, only few them join gig economy by learning new skills and upgrading themselves. trend shows...

10.6007/ijarbss/v10-i10/7843 article EN International Journal of Academic Research in Business and Social Sciences 2020-10-25

The demand for gig work is continuously rising with the emergence of online platforms and marketplaces such as Freelancers.com, LinkedIn, Grab, Foodpanda, etc. Although growing, ecosystem this field does not fully support welfare well-being its workers. literature discussion scarce regarding Malaysia's workers, especially financial, work-life balance, workers' protection aspects. This study aims to fill gap. Our findings indicate that main motivation choosing flexible hours. challenges faced...

10.1080/02692171.2023.2240243 article EN International Review of Applied Economics 2023-07-04

Purpose The purpose of this paper is to measure the antecedents students' attitude and impact on intention repay study loans. Design/methodology/approach Primary data from 428 students in universities Malaysia are collected six constructs theory identified: perceptions that loan repayment will affect quality life after graduation; awareness issues created by media; towards agreement; parental influence; repayment; loan. Structural equation modelling approach adopted analyze data. Findings...

10.1108/18363261111189522 article EN Journal of International Education in Business 2011-11-04

Credit cards have been viewed as a competitive banking product that helps to improve bank’s financial position while at the same time improving transactions among customers of bank. The present study explores factors influencing attitude bank in context Malaysian system. examines effects knowledge, media awareness, perceptions, family influence and religious on attitudes towards credit card usage. finds perceptions are instrumental determining consumer toward In more detail, ranked highest,...

10.17576/pengurusan-2014-41-13 article ID Jurnal Pengurusan 2014-01-01

Purpose - This paper analyzes the factors that influence intention to donate cash waqf among students with literacy as a mediating variable. Design/Methodology/Approach Using structural equation modeling (SEM-PLS) test proposed model, based on sample of 80 Islamic Economics at public and private universities in Bandung Indonesia Findings The findings show first, give is affected by level education religiosity, while variable access information media not significant; second, influenced media,...

10.55188/ijif.v16is1.552 article EN ISRA International Journal of Islamic Finance 2024-05-06

This research aims to identify the factors influencing development of sustainable halal tourism villages in West Java Province, including opportunities, strengths, weaknesses, and threats. It seeks design appropriate strategies for attractions based on local conditions prioritize these implementation development. Using a comprehensive approach, integrating survey techniques direct engagement with administrators understand contextual circumstances Districts/Cities Province are methodology...

10.1051/e3sconf/202456804011 article EN cc-by E3S Web of Conferences 2024-01-01

Individual of the Millennial Generation are born along with technologies improvement. Consequently, it has created rapid changes in working structure as well environment that requires how they could continuously learn and adapt new situation on their work future. Career adaptability is a critical variable, which convey meaning ability to adjust oneself thus, fit change career. Thus, time increasingly diverse, navigate challenging most important. Positive Psychological Traits major predictors...

10.6007/ijarbss/v8-i9/4706 article EN International Journal of Academic Research in Business and Social Sciences 2018-10-13

This study investigates the determinants of saving behavior among government servants. The focused on financial knowledge, self-efficacy, attitude and management practice in relation behavior. respondents were servants Kuala Lumpur, Malaysia. Convenience sampling was used for this study. 150 questionnaires distributed to answer questionnaires. questionnaire designed two sections, one consisting demographic information second relating selection Result indicates that self-efficacy becomes an...

10.18502/kss.v4i6.6639 article EN KnE Social Sciences 2020-03-23

People were found to be more conscious on spending their money. Therefore, it is important identify the savings behavior as people are spend rather than save. Overspending can lead various implications, such bankruptcy because of inability settle up unpaid payments creditors (Zhu, 2011). However, there a lack research determinants factors affecting saving behavior. Thus, aim study Three identified which follows: services quality, religious belief and knowledge. Questionnaires distributed 150...

10.6007/ijarbss/v8-i10/4822 article EN International Journal of Academic Research in Business and Social Sciences 2018-10-28
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