THE PERCEPTION ON THE KNOWLEDGE OF ISLAMIC BANKING AND FINANCE AMONG THE SABAHAN STUDENTS OF HOSPITALITY PROGRAMS,
UNIVERSITI MALAYSIA SABAH
This survey to investigate the extent of knowledge of Islamic banking and finance among UMS students from Tourism Management (HP08) & Hotel Management program (HE08).
A total of 60 respondents from HP08 & HE08 have completed answering the questionnaires.
52%
48%
Program
HP08 HE08
Age
21-23 Years old
23 Years Old & Above 18-20 Years Old
73.3%
18.3%
8.3%
Male (38.3%)
Female (61.7%)
1.Islamic banking has a potential to
2.Islamic banking has a potential
to contribute to the national economy 3.Now Islamic banking has spread to all
over
the world.
4.Islamic banking also available to non-Muslim as well not only focus for
Muslim.
5.Some non-Muslim are willing to deal with Islamic
bank product &
services.
6.Islamic banking & finance can avoid benchmarking
against interest rate.
a
. Viewpoint Islamic banking as financial institution
1.Islamic banking Is free from interest.
2.Zakat can lessen the burden of unfortunate.
3.Trust is the key essential in Islamic banking.
4.In the principle of Islamic banking, justice is highly emphasized 5.In Islamic banking & finance consumer will share the risk.
6.Mudarabah contracts are profits sharing agreement.
b. The knowledge of Islamic banking term & concept
Latest Qualification
Religion
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
The Principle of Islamic banking is
the prohibition of the collection and
payment of
interest by lenders and investors
Is Islamic banking
& conventional banking have a same purpose as
financial institution?
Consumer will get a social benefits
that can accure from the interest
free Islamic banking principles.
Basic Knowledge on Islamic Banking
& Finance
True False
Not Sure
Society Perspective On
Islamic Banking & Finance
1. Are you the user of Islamic banking?
Yes Not Sure No
2. Do Islamic banking and finance offer the quality services to customer?
Yes No
3. Do you think that Islamic banking & finance truly shariah (Islamic law) compliant?
Yes Not Sure
No
4. Is Islamic banking & finance more efficient than conventional banking?
Yes
Not Sure No
Buddhist (6.7%)
Islamic (58.3%)
Christian (35%)
Sandakan Tawau Kota Kinabalu
Others Ranau
Hometown
Strongly Agree Agree Not Certain
Strongly Disagree Disagree
Knowledge from respondent. “What is the difference between Islamic &
conventional banking”?
Ohh, for me Islamic
banking based on shariah (Islamic law) while
conventional banking not based on shariah.
In my opinion, it is only the application of Islamic law that distinguishes it. Islamic
banking is a bank that based on shariah while conventional banking purpose to grow
the money through interest.
- IZZAH AQILAH ZULKEPLY - EVWIORANA JOLIUN
- IRMA ANISA BINTI KIRMAN - PETRONILLA EIAT
- SITI RUBIAH AKNAM
- DAYANGKU ASLINAH ABD.
RAHIM
81.7%
18.3% 5%
80%
45%
20%
5%
28.3%
50%
70%
6.7%
10%
28.3%
63.3%
61.7%
31.7%
6.7%
35%
1.7%
63.3%
(50%)
(38.33%) (5%) (1.67%) (5%)
(55%)
(1.67%) (11.67%)
(29.99%) (56.67%)
grow.
(5%) (5%) (5%)
(33.33%) (5%) (40%)
(18.33%) (3.33%)
(15%)
(41.67%) (46.67%) (11.67%)
(31.67%)
(1.7%) (6.67%)
(21.67%)
(20%) (50%)
(51.67%)
(43.33%) (31.67%)
(8.33%) (13.33%)
(1.67%)
(30%)
(3.33%)
(3.33%) (13.33%)
(53.33%)
(45%) (13.33%)
(1.67%) (3.33%)
(21.67%)
(30%) (43.33%)
(6.67%) (5%) (30%)
(3.33%) (21.67%)
(55%) (20%)
(30%)
STPM (53.3%)
DIPLOMA (15%)
MATRICULATION (10%)
OTHERS (21.7%)
