Rohani Mohd

Bio: Rohani Mohd is an academic researcher from Universiti Teknologi MARA. The author has contributed to research in topics: Entrepreneurial orientation & Malay. The author has an hindex of 8, co-authored 22 publications receiving 554 citations.

Is religiosity an important determinant on Muslim consumer behaviour in Malaysia

Abstract: Purpose – The purpose of this paper is to examine the effect of religiosity on Muslim consumer behaviour and on purchasing decision.Design/methodology/approach – Survey comprised a sample of 232 Muslims from the middle‐ and upper‐income groups who work in Shah Alam and Bangi in the Selangor state of Malaysia.Findings – The findings indicate that religious Muslims in Shah Alam and Bangi area consider Islam as their source of reference and they spend moderately, as commanded by Allah in the Quran. This study confirms that religiosity acts as a full mediating role in the relationship between relative and contextual variables, and purchase behaviour of Muslim consumers.Originality/value – The paper's interesting findings serve to remind entrepreneurs that they cannot neglect the element of religion in their marketing activities, particularly in the development of products.

Assessing Production Efficiency of Islamic Banks and Conventional Bank Islamic Windows in Malaysia

Abstract: This study presents new perspectives on performance evaluation of Islamic banking operations in Malaysia, by investigating for the first time, both cost and profit efficiency of full-fledged Islamic banks and Islamic window operations of domestic and foreign banks. The application of Data Envelopment Analysis (DEA) technique has provided several efficiency measures such as allocative, pure technical and scale efficiency that explain cost and profit efficiency differentials among banks. The findings of the study show that Islamic banking operators are relatively more efficient at controlling costs than at generating profits. The main contributor for cost efficiency of domestic and foreign banks comes from resource management and economies of scale respectively. These findings have implications on the reform process carried out in the aftermath of Asian financial crisis, particularly the Financial Sector Master Plan (FSMP). Keyword Data Envelopment Analysis, allocative efficiency, technical efficiency, foreign banks

Online Purchase Behavior of Generation Y in Malaysia

Abstract: The escalation of the Internet and information technology has significantly contributed to the popularity of online shopping. Generation Y (Gen Y) has been identified as the age cohort that makes up the majority of online shoppers in many developed countries. Even though Gen Y makes up the largest segment of Malaysia's population as well as its Internet population, they are not the largest segment of online shoppers. The aims of this study are to investigate the online purchase behavior of Gen Y in Malaysia and identify the factors that drive the behavior. 200 respondents from Gen Y participated in the survey. Findings from the study reveal that Gen Y in Malaysia buys mostly from online retailers operating via Facebook and Instagram. Of the four factors proposed in the model, only perceived trust and perceived reputation have a significant positive relationship with online purchase intention of Gen Y shoppers. Implications of these findings are discussed for researchers and practitioners.

Personal values and entrepreneurial orientations in Malay entrepreneurs in Malaysia: Mediating role of self-efficacy

Abstract: Purpose – The purpose of this paper is to discuss how personal values and internal motivation interact to influence entrepreneurial orientations. Personal values and internal motivation are among personal characteristics that have an impact on entrepreneurial orientation. However, these two personal variables are studied in isolation; therefore, how these two interact to influence entrepreneurial orientation is not yet fully understood. Design/methodology/approach – This study comprised a sample of Malay-owned small and medium enterprises (SMEs) located in the Klang Valley in Malaysia. A cross-sectional research design was used to examine the relationships between personal values, self-efficacy motivation and entrepreneurial orientation among small-scale Malay SMEs. To focus on SMEs, lists were sought from the Majlis Amanah Rakyat (MARA). Malay was chosen for this study because Malaysia has a majority of the Malay population compared to other races. Data were gathered based on mailed and personally admini...

Muslims and non-Muslims intention to hold Shariah-compliant credit cards: a SmartPLS approach

Abstract: Purpose The purpose of this paper is to examine the relationship between attitude, subjective norm, perceived behavioural control, religiosity, knowledge and Shariah-compliance with intention to hold Shariah-compliant credit card (SCCC) amongst Muslims and non-Muslims. Design/methodology/approach Researchers used survey questionnaire to collect data and applied a purposive sampling method, then analyzing the data using descriptive statistics and also multi-group analysis of SmartPLS. Findings For Muslims, attitude, subjective norm, Shariah-compliance, knowledge and religiosity are positively significant. While for non-Muslims, only attitude and subjective norm are positively significant to intention to hold SCCCs. Research limitations/implications The behavioural study only focusses on intention to hold Islamic credit cards, which is constraining the extended model of the theory of planned behaviour (TPB) without the actual performance of the behaviour, which is holding SCCCs. Secondly, the research caters for a single method, namely, quantitative without including the qualitative method to better understand and explore other factors affecting consumers’ behavioural intention. The qualitative part can be carried out by conducting interviews with practitioners, regulators and customers. Thirdly, the cultural dimensions are not combined as parts of TPBs’ antecedents for extended model that could be affecting intention, as Malaysia has diverse ethnic groups with different religious background. Practical implications In terms of managerial implications, the findings will further assist financial service providers to develop more effective marketing strategies for Islamic financial products not just to cater for the Muslims but also the non-Muslims, who are increasingly attracted to Islamic banking. As many Muslims are still holding conventional credit cards, it is timely for the Islamic financial institutions to attract them with the SCCCs. Social implications Financial marketers are expected to be qualified and well-versed on the different Islamic product structures and also the conventional products. By having such enables them to enlighten and create awareness amongst the targeted consumers in seeking Shariah-compliant financial-related products. Originality/value The research will contribute to new theoretical knowledge of an extended behavioural model in relation to customers’ perception towards SCCCs’ acceptance.

The Achieving Society

Abstract: Examines the motivation for achievement as a psychological factor that shapes economic development. Refuting arguments based on race, climate, or population growth, the book instead argues for cultural customs and motivations - especially the motivation for achievement - as the major catalysts of economic growth. Considering the Protestant Reformation, the rise of capitalism, parents' influences on sons, and folklore and children's stories as shaping cultural motivations for achievement, the book hypothesizes that a high level of achievement motivation precedes economic growth. This is supported through qualitative analysis of the achievement motive, as well as of other psychological factors - including entrepreneurial behavior and characteristics, and available sources of achievement in past and present highly achieving societies. It is the achievement motive - and not merely the profit motive or the desire for material gain - that has advanced societies economically. Consequently, individuals are not merely products of their environment, as many social scientists have asserted, but also creators of the environment, as they manipulate it in various ways in the search for achievement. Finally, a plan is hypothesized to accelerate economic growth in developing countries, by encouraging and supplementing their achievement motives through mobilizing the greater achievement resources of developed countries. The conclusion is not just that motivations shape economic progress, but that current influences on future people's motivations and values will determine economic growth in the long run. Thus, it is most beneficial for a society to concentrate its resources on creating an environment conducive to entrepreneurship and a strong ideological base for achievement. (CJC)

Cost and profit efficiency of conventional and Islamic banks in GCC countries

Abstract: Using stochastic frontier approach, this paper investigates the cost and profit efficiency levels of 71 commercial banks in Gulf cooperation council countries over the period 1999–2007. This study also conducts a comparative analysis of the efficiency across countries and between conventional and Islamic banks. Moreover, we examine the bank-specific variables that may explain the sources of inefficiency. The empirical results indicate that banks in the Gulf region are relatively more efficient at generating profits than at controlling costs. We also find that in terms of both cost and profit efficiency levels, the conventional banks on average are more efficient than Islamic banks. Furthermore, we observe a positive correlation of cost and profit efficiency with bank capitalization and profitability, and a negative one with operation cost. Higher loan activity increases the profit efficiency of banks, but it has a negative impact on cost efficiency.