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Regulation on occupational safety and health in Malaysia had evolved from the prescriptive factory and machinery act to a self-regulated occupational safety and health act. However, from the authors' observation the high standards of occupational safety and health culture that surpass the legal requirement were not widely practiced by Small and Medium Enterprises (SMEs). The two main objectives of this study are: First, first, to identify and determine the level of conformity and second, to investigate the reasons of nonconformity to occupational safety and health act regulation in SMEs involved the chemical industry sub-sectors. The survey questionnaire was distributed to 150 SMEs in chemical industry sub-sectors. Forty one of the survey questionnaires were completed and returned, giving a response rate of 27.3% for the survey. Survey data were analyzed statistically using the SPSS software. The survey results revealed that an overwhelming majority (92.7%) of the respondents from SMEs are likely not conforming to the basic requirement of occupational safety and health act. In addition to this, the survey also found that only 3.1% of the management personnel can be considered competent in terms of knowledge, skill and ability in carrying out occupational safety and health regulation within their respective organization. While, 96.9% of the respondents that participated in the survey can be considered not competent. The authors hope results of this survey could assist the relevant authorities in formulating a better policy and strategy for implementing occupational safety and health in SMEs involved in chemical industry sub-sectors.

Islamic waqf bank is a special designed financial institution in Islam. This bank will benefit the students and also their parents, due to its unique structure that could finance student's education in term of fees and cost of living. Islamic waqf bank use the concept of cash waqf in terms of funding the education. The gifted capital or cash waqf was "transferred" to borrowers for certain period, which was then spent for all sorts of pious and social purposes inclusive for the investment objectives. It is recognized that there is no ample study in the area of cash waqf especially for managing Islamic waqf bank institution. Therefore, the study for managing cash waqf fund through Islamic waqf bank is essential in order for the fund to be use efficiently. The objective of this article is to explore the relief of higher education loan through Islamic waqf bank.

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