Omaima Eltahir Babikir Mohamed | INCEIF (Intern. Centre for Edu. in Islamic Finance) (original) (raw)
Papers by Omaima Eltahir Babikir Mohamed
International Supply Chain Technology Journal
The literature on supply chain finance as a moderating element for enhancing business performance... more The literature on supply chain finance as a moderating element for enhancing business performance and the overall efficacy of supply chain management is reviewed in-depth in this study. It analyzes the critical factors, benefits, challenges, and opportunities associated with supply chain finance implementation and its impact on various performance indicators, including operational efficiency, cost reduction, and risk management. Additionally, it emphasizes the strategic implications of implementing supply chain finance practices for businesses seeking a competitive advantage in today's swiftly changing business environment. By consolidating the present body of research, this study improves the link between supply chain finance and supply chain management and its effect on company performance.
ISCT Journal, 2023
This literature review presents a systematic review of popular supply chain management (SCM) theo... more This literature review presents a systematic review of popular supply chain management (SCM) theories, focusing on their definitions, early development, and contributions to the field. Seven fundamental theories are analyzed in detail:
International supply chain technology journal, Mar 15, 2023
International Journal for Innovation Education and Research
Financial literacy is a crucial life skill. It goes well beyond the simple concepts of saving and... more Financial literacy is a crucial life skill. It goes well beyond the simple concepts of saving and borrowing. Lack of financial knowledge can expose youth to face financial difficulties. This research focuses on assessing the impact of financial exposure via educational channels on university student’s financial attitude. The approach of the research is qualitative in nature. Data was collected through structured interviews. The interview included questions on demographics, education, health insurance and financial capability among Sudanese youth. Twenty (20) university students from two different states were interviewed between August 2013 and September 2013. Thematic analysis was used to analyse the data. The findings of this research revealed that youth who were exposed to financial knowledge during their university studies have better understanding of financial knowledge compared to those who were not exposed. The paper concludes that financial education at an early age can reduc...
This study provides insights into the customer satisfaction and loyalty towards Islamic financial... more This study provides insights into the customer satisfaction and loyalty towards Islamic financial services of the Malaysian customers. Its objective is to examine the relationship between consumers’ attitude towards Islamic banking services and intention to adopt Islamic banking services. Data was collected through a survey and was analyzed using SPSS software. The study presents primary data collected by self-administered questionnaires involving a sample of 352 respondents in Malaysia. Data were analyzed using frequencies, reliability analysis, regression analysis and correlation testing. The level of customer satisfaction and loyalty towards Islamic financial services are analyzed using sample characteristics and reliability analysis. To examine the relationship between service quality and customer satisfaction, correlation testing & regression analysis tests. It was found that the five SERVQUAL offered by the bank influencing tangibility, reliability, responsiveness, assurance a...
The Malaysian Tak āful industry has experienced encouraging growth since its commencement in 1985... more The Malaysian Tak āful industry has experienced encouraging growth since its commencement in 1985. Annual growth rate of the industry has been estimated at 20%. Despitethis rapid rate of growth the rate of penetration is still not impressive. This paper seeks to find the reasons for this relatively low penetration rate of the Tak āful industry among Malaysians from the perspective of Malaysians who do not participate in the Tak āful industry. The method employed to achieve the objective of this paper was the survey method; Data analysed using Logistic Regression Model (LR).This research finds that marketing , is a robust predictor of Tak āful demand, as 50% of the respondents have not been approached by any Tak āful agents, while religion has a significant relationship with Tak āful consumption as majority of the respondents do not plan to have Tak āful policies as they opine that Tak āful is not permissible being similar to conventional insurance (Haram). Also age was a significant...
The International Journal of Excellence in Islamic Banking and Finance, 2015
The Malaysian Takāful industry has experienced encouraging growth since its inception in 1985. An... more The Malaysian Takāful industry has experienced encouraging growth since its inception in 1985. Annual growth rate of the industry has been estimated to be around 20%. Despite such impressive rate of growth, it is believed that the market penetration of Takāful is still low. This paper seeks to find the factors influencing Takāful market penetration based on the experience of managers of Takāful operators. Twenty (20) Takāful managers were randomly selected and interviewed. The interviewees pointed out the factors that deter the public from participating in Takāful could be listed as follows: the lack of public awareness in the advantages of Takāful over insurance products, the limited range of product varieties, the shortage of relevant expertise to explain Takāful products, the need to improve the distribution channels and marketing strategies. The paper also suggested several ways of improving Takāful market penetration, namely: the need to develop tailor-made products to suit customer needs according to the different segments of the society, expanding the range of product varieties, extensive training of staff and agents to enhance their products and services, technical and Shariăh knowledge as well as to intensify promotion for higher level of awareness.
Abstract This research provides insights into the factors influencing Takāful penetration rate of... more Abstract This research provides insights into the factors influencing Takāful penetration rate of the Malaysian Takāful industry for the period 1985–2008. Its objective is to identify the factors that influence the market penetration from the perspective of Takāful participants. Data was collected through a survey and was analyzed using SPSS software. Employed techniques was Cross Tabulation & Chi-Square tests. It was found that the factors influencing Takāful penetration were age, gender, religion, marital status, education, income, awareness, product varieties, and knowledge of staff and agents of Takāful. The research findings suggest the need to increase product varieties, training of staff and agents to enhance their product knowledge, technical and Shariăh knowledge as well as to intensify the level of awareness. Keywords: Takāful, Market, Penetration, Malaysia
Kuwait Chapter of Arabian Journal of Business and Management Review, 2018
Kuwait Chapter of Arabian Journal of Business and Management Review, 2017
Al-Ijarah Thumma al-Bay' (AITAB) is an innovative product designed to vehicle financing. Since it... more Al-Ijarah Thumma al-Bay' (AITAB) is an innovative product designed to vehicle financing. Since its inception, AITAB has been a popular product due to the heightened demand by customers. Although AITAB is popular, it is not without condemn especially on the issue of using Rule 78, which is similar to conventional Hire-Purchase practise. This paper, attempts to address the issue of using Rule 78 which affects the customers in the case of default. A case study is used to compare the use of Rule 78 and simple profit rate methods on repaying the principal amount and the profit rate by the customer. The discussion is based upon the case on vehicle financing for three years and the impact on the defaulter on the thirteenth month of financing. The result shows the customer pays higher amount in the case of default using the Rule 78 in financing compared to simple profit rate method.
Al-Ijarah Thumma al-Bay' (AITAB) is an innovative product designed to vehicle financing. Since it... more Al-Ijarah Thumma al-Bay' (AITAB) is an innovative product designed to vehicle financing. Since its inception, AITAB has been a popular product due to the heightened demand by customers. Although AITAB is popular, it is not without condemn especially on the issue of using Rule 78, which is similar to conventional Hire-Purchase practise. This paper, attempts to address the issue of using Rule 78 which affects the customers in the case of default. A case study is used to compare the use of Rule 78 and simple profit rate methods on repaying the principal amount and the profit rate by the customer. The discussion is based upon the case on vehicle financing for three years and the impact on the defaulter on the thirteenth month of financing. The result shows the customer pays higher amount in the case of default using the Rule 78 in financing compared to simple profit rate method.
Commissioned project by Centre for Entrepreneur Development and Research (CEDAR), Project Leade... more Commissioned project by Centre for Entrepreneur Development and Research (CEDAR),
Project Leader: Dr. Leilanie Mohd Nor,
Research Team, from UNIRAZAK:
Leilanie, Mohar, Roland, Omaima amnzor and Syeliya
Abstract Purpose This paper is a case study of the implementation of Basel II Accords, under the ... more Abstract Purpose This paper is a case study of the implementation of Basel II Accords, under the reformulation of IFSB, by Islamic banks with special reference to Bank Islamic Malaysia Berhad (BIMB). Method We have analysed the content of BIMB annual reports and interviewed a senior executive to determine the extent of the implementation and to identify the issues. Findings We have found that BIMB is well capitalised and is using the standardised and basic indicator approaches for the calculation of risk weighted assets. Among all the 3 types of risk that require capital for their management in the context of Basel II, credit risk is the most important at BIMB, as its proportion in the total risk weighted assets is more than 86%. This can be explained by the overreliance of BIMB on debt instruments in its financing activities, corresponding to more 99%, while equity based financing represents 0.1%. Basel II seemed to favor the big banks which are able to set up the required infrastr...
Summary of a PhD dissertation completed on 2012 most of it published
Session 4: Innovating Family Takaful Products and Linking Better to Consumer Needs
International Supply Chain Technology Journal
The literature on supply chain finance as a moderating element for enhancing business performance... more The literature on supply chain finance as a moderating element for enhancing business performance and the overall efficacy of supply chain management is reviewed in-depth in this study. It analyzes the critical factors, benefits, challenges, and opportunities associated with supply chain finance implementation and its impact on various performance indicators, including operational efficiency, cost reduction, and risk management. Additionally, it emphasizes the strategic implications of implementing supply chain finance practices for businesses seeking a competitive advantage in today's swiftly changing business environment. By consolidating the present body of research, this study improves the link between supply chain finance and supply chain management and its effect on company performance.
ISCT Journal, 2023
This literature review presents a systematic review of popular supply chain management (SCM) theo... more This literature review presents a systematic review of popular supply chain management (SCM) theories, focusing on their definitions, early development, and contributions to the field. Seven fundamental theories are analyzed in detail:
International supply chain technology journal, Mar 15, 2023
International Journal for Innovation Education and Research
Financial literacy is a crucial life skill. It goes well beyond the simple concepts of saving and... more Financial literacy is a crucial life skill. It goes well beyond the simple concepts of saving and borrowing. Lack of financial knowledge can expose youth to face financial difficulties. This research focuses on assessing the impact of financial exposure via educational channels on university student’s financial attitude. The approach of the research is qualitative in nature. Data was collected through structured interviews. The interview included questions on demographics, education, health insurance and financial capability among Sudanese youth. Twenty (20) university students from two different states were interviewed between August 2013 and September 2013. Thematic analysis was used to analyse the data. The findings of this research revealed that youth who were exposed to financial knowledge during their university studies have better understanding of financial knowledge compared to those who were not exposed. The paper concludes that financial education at an early age can reduc...
This study provides insights into the customer satisfaction and loyalty towards Islamic financial... more This study provides insights into the customer satisfaction and loyalty towards Islamic financial services of the Malaysian customers. Its objective is to examine the relationship between consumers’ attitude towards Islamic banking services and intention to adopt Islamic banking services. Data was collected through a survey and was analyzed using SPSS software. The study presents primary data collected by self-administered questionnaires involving a sample of 352 respondents in Malaysia. Data were analyzed using frequencies, reliability analysis, regression analysis and correlation testing. The level of customer satisfaction and loyalty towards Islamic financial services are analyzed using sample characteristics and reliability analysis. To examine the relationship between service quality and customer satisfaction, correlation testing & regression analysis tests. It was found that the five SERVQUAL offered by the bank influencing tangibility, reliability, responsiveness, assurance a...
The Malaysian Tak āful industry has experienced encouraging growth since its commencement in 1985... more The Malaysian Tak āful industry has experienced encouraging growth since its commencement in 1985. Annual growth rate of the industry has been estimated at 20%. Despitethis rapid rate of growth the rate of penetration is still not impressive. This paper seeks to find the reasons for this relatively low penetration rate of the Tak āful industry among Malaysians from the perspective of Malaysians who do not participate in the Tak āful industry. The method employed to achieve the objective of this paper was the survey method; Data analysed using Logistic Regression Model (LR).This research finds that marketing , is a robust predictor of Tak āful demand, as 50% of the respondents have not been approached by any Tak āful agents, while religion has a significant relationship with Tak āful consumption as majority of the respondents do not plan to have Tak āful policies as they opine that Tak āful is not permissible being similar to conventional insurance (Haram). Also age was a significant...
The International Journal of Excellence in Islamic Banking and Finance, 2015
The Malaysian Takāful industry has experienced encouraging growth since its inception in 1985. An... more The Malaysian Takāful industry has experienced encouraging growth since its inception in 1985. Annual growth rate of the industry has been estimated to be around 20%. Despite such impressive rate of growth, it is believed that the market penetration of Takāful is still low. This paper seeks to find the factors influencing Takāful market penetration based on the experience of managers of Takāful operators. Twenty (20) Takāful managers were randomly selected and interviewed. The interviewees pointed out the factors that deter the public from participating in Takāful could be listed as follows: the lack of public awareness in the advantages of Takāful over insurance products, the limited range of product varieties, the shortage of relevant expertise to explain Takāful products, the need to improve the distribution channels and marketing strategies. The paper also suggested several ways of improving Takāful market penetration, namely: the need to develop tailor-made products to suit customer needs according to the different segments of the society, expanding the range of product varieties, extensive training of staff and agents to enhance their products and services, technical and Shariăh knowledge as well as to intensify promotion for higher level of awareness.
Abstract This research provides insights into the factors influencing Takāful penetration rate of... more Abstract This research provides insights into the factors influencing Takāful penetration rate of the Malaysian Takāful industry for the period 1985–2008. Its objective is to identify the factors that influence the market penetration from the perspective of Takāful participants. Data was collected through a survey and was analyzed using SPSS software. Employed techniques was Cross Tabulation & Chi-Square tests. It was found that the factors influencing Takāful penetration were age, gender, religion, marital status, education, income, awareness, product varieties, and knowledge of staff and agents of Takāful. The research findings suggest the need to increase product varieties, training of staff and agents to enhance their product knowledge, technical and Shariăh knowledge as well as to intensify the level of awareness. Keywords: Takāful, Market, Penetration, Malaysia
Kuwait Chapter of Arabian Journal of Business and Management Review, 2018
Kuwait Chapter of Arabian Journal of Business and Management Review, 2017
Al-Ijarah Thumma al-Bay' (AITAB) is an innovative product designed to vehicle financing. Since it... more Al-Ijarah Thumma al-Bay' (AITAB) is an innovative product designed to vehicle financing. Since its inception, AITAB has been a popular product due to the heightened demand by customers. Although AITAB is popular, it is not without condemn especially on the issue of using Rule 78, which is similar to conventional Hire-Purchase practise. This paper, attempts to address the issue of using Rule 78 which affects the customers in the case of default. A case study is used to compare the use of Rule 78 and simple profit rate methods on repaying the principal amount and the profit rate by the customer. The discussion is based upon the case on vehicle financing for three years and the impact on the defaulter on the thirteenth month of financing. The result shows the customer pays higher amount in the case of default using the Rule 78 in financing compared to simple profit rate method.
Al-Ijarah Thumma al-Bay' (AITAB) is an innovative product designed to vehicle financing. Since it... more Al-Ijarah Thumma al-Bay' (AITAB) is an innovative product designed to vehicle financing. Since its inception, AITAB has been a popular product due to the heightened demand by customers. Although AITAB is popular, it is not without condemn especially on the issue of using Rule 78, which is similar to conventional Hire-Purchase practise. This paper, attempts to address the issue of using Rule 78 which affects the customers in the case of default. A case study is used to compare the use of Rule 78 and simple profit rate methods on repaying the principal amount and the profit rate by the customer. The discussion is based upon the case on vehicle financing for three years and the impact on the defaulter on the thirteenth month of financing. The result shows the customer pays higher amount in the case of default using the Rule 78 in financing compared to simple profit rate method.
Commissioned project by Centre for Entrepreneur Development and Research (CEDAR), Project Leade... more Commissioned project by Centre for Entrepreneur Development and Research (CEDAR),
Project Leader: Dr. Leilanie Mohd Nor,
Research Team, from UNIRAZAK:
Leilanie, Mohar, Roland, Omaima amnzor and Syeliya
Abstract Purpose This paper is a case study of the implementation of Basel II Accords, under the ... more Abstract Purpose This paper is a case study of the implementation of Basel II Accords, under the reformulation of IFSB, by Islamic banks with special reference to Bank Islamic Malaysia Berhad (BIMB). Method We have analysed the content of BIMB annual reports and interviewed a senior executive to determine the extent of the implementation and to identify the issues. Findings We have found that BIMB is well capitalised and is using the standardised and basic indicator approaches for the calculation of risk weighted assets. Among all the 3 types of risk that require capital for their management in the context of Basel II, credit risk is the most important at BIMB, as its proportion in the total risk weighted assets is more than 86%. This can be explained by the overreliance of BIMB on debt instruments in its financing activities, corresponding to more 99%, while equity based financing represents 0.1%. Basel II seemed to favor the big banks which are able to set up the required infrastr...
Summary of a PhD dissertation completed on 2012 most of it published
Session 4: Innovating Family Takaful Products and Linking Better to Consumer Needs
Presentation to the College of Banking and Financial Studies About Risk management (Islamic Malay... more Presentation to the College of Banking and Financial Studies About Risk management (Islamic Malaysian Banks)
Malaysia has an advantage in Islamic finance that is continuously strengthened by its operational... more Malaysia has an advantage in Islamic finance that is continuously strengthened by its operational environment of progressive regulations, tax incentives and most importantly, a supportive government. Universiti Tun Abdul Razak (UNIRAZAK) Bank Rakyat School of Business and Entrepreneurship (BRSBE) Assistant Professor Dr. Omaima Eltahir Babikir Mohamed said Islamic banks had been less affected than conventional banks during the 2008 financial crisis.
Enclosed is the newspaper clippings for your reading pleasure.
Malaysia has an advantage in Islamic finance that is continuously strengthened by its operational... more Malaysia has an advantage in Islamic finance that is continuously strengthened by its operational environment of progressive regulations, tax incentives and most importantly, a supportive government. Universiti Tun Abdul Razak (UNIRAZAK) Bank Rakyat School of Business and Entrepreneurship (BRSBE) Assistant Professor Dr. Omaima Eltahir Babikir Mohamed said Islamic banks had been less affected than conventional banks during the 2008 financial crisis.
Enclosed is the newspaper clippings for your reading pleasure.
Entrepreneurial activities and venture creation are the essence of the economy. Women entrepreneu... more Entrepreneurial activities and venture creation are the essence of the economy. Women entrepreneurship has attracted much attention in recent years, from the theory, practice, and policy perspectives. As more women enters into business comprising of more than 30% of SME proprietors, their participation contributes positively towards the country’s economy.
This book predominately focuses upon women entrepreneurship in Malaysia presents a notable display of research and findings on two important areas: Women in Entrepreneurial Ventures, and Women in Family Business.
To provide the essential support and encouragement necessary for female entrepreneurship to flourish the Malaysian government for the past twenty years has systematically being creating what can be best described as a dynamic responsive