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Understanding on Bai' Bithaman Ajil Financing Contract Among Employees at Agrobank Northern Region Branches

Dzulfardly, Che Jaafar (2014) Understanding on Bai' Bithaman Ajil Financing Contract Among Employees at Agrobank Northern Region Branches. Masters thesis, Universiti Utara Malaysia.

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Abstract

The purpose of this study is to assess the understanding on Bai’ Bithaman Ajil (BBA) financing contract among Agrobank employees attached at branches and business centre (regional office) in the northern states of Peninsular Malaysia before its transformation process to become a full-fledged Islamic bank (FFIB) in year 2015. A discussion of factors affecting employees‟ understanding on BBA financing contract is also included. The research presents primary data collected by self-administered questionnaires involving a sample of 40 respondents who represents executives from lower-management group with direct involvement in commercial financing-related functions. The respondents were identified from 19 different branches and one business centre within the states of Pulau Pinang, Kedah and Perlis, in which two respondents were selected to represent each branch/business centre. Respondents‟ demographic profiles were analysed using descriptive analysis. To further examine factors affecting employees‟ understanding on BBA financing contract, a multiple regression analysis had been employed. This study reveals that employees possess necessary knowledge on general principles of BBA in term of its applicability as main financing agreement within the spectrum of business banking segments in Agrobank. The results also indicate that knowledge and commitment are the two significant factors which could affect employees‟ understanding on BBA financing contract. On the other hand, employees‟ keen-interest and their ability to practice Shariah-compliant aspects show insignificant relationship with understanding on BBA financing contract. The empirical evidence of this study highlights the importance of Agrobank to groom a knowledgeable workforce with true commitment in Islamic banking aspects in order to ensure its transformation process would chart another remarkable milestone in spurring the growth of Islamic banking industry in Malaysia. The gist of these study reports findings from the first region-wide survey carried out in Agrobank on the niche aspects of Islamic banking operations with BBA financing contract as its key essence.

Item Type: Thesis (Masters)
Uncontrolled Keywords: Employees, Understanding, Bai’ Bithaman Ajil, Full-Fledged Islamic Bank, Islamic Banking.
Subjects: H Social Sciences > HG Finance
Divisions: Othman Yeop Abdullah Graduate School of Business
Depositing User: Mr. Badrulsaman Hamid
Date Deposited: 03 Sep 2014 00:40
Last Modified: 14 Apr 2016 03:45
URI: http://etd.uum.edu.my/id/eprint/4041

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