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.

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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 administered questionnaires. Findings -The findings indicate that self-efficacy of Malay SMEs in the Shah Alam area acted as a mediator in the relationship between personal values and entrepreneurial orientation. Malay SMEs were found to have high self-efficacy and entrepreneurial orientation. Practical implications -An important implication of this research is that the interesting findings provide some insight to management consultants for focusing on improving the self-efficacy of Malay SMEs, in their training, as this would improve their entrepreneurial orientations. Originality/value -The findings are original and unique and are based on established theories from the literature on Malay-based SMEs in Malaysia. The results are based on a sample of Malay-owned SMEs in the Klang Valley in Malaysia. The research findings are useful to academics and policymakers interested in fostering SMEs in Malaysia.

This paper provides a comparative analysis regarding the performance of 17 Libyan banks over the period 2004 up to 2010. According to the relevant literature, there are few studies that combine both the Data Envelopment Analysis (DEA) technique and Tobit model for assessing the efficiency levels and subsequently examining the determinants of efficiency for the banking sector in Libya. For this study, the DEA technique was used to estimate cost, allocative, and technical efficiency of sampled banks by using DEAP software. In the second stage, Tobit regression model was used to identify potential determinants of efficiency by using Stata10 software. The results showed that the specialized banks have exhibited higher mean cost efficiency relative to commercial and private banks. The results of efficiency determinants showed positive relationship between bank efficiency, and return on investment (ROA); risk; and size of operation (SO). This paper concludes with some policy implications of the results.

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