Pandemic outbreaks of COVID-19 have made customers take drastic steps to help world governments to prevent further spread, one of which is by social distancing. This policy made buying and selling online a convenient option to fulfill the needs for goods and/or services. The purpose of this study was to determine the level of use and satisfaction of e-commerce customers in the COVID-19 pandemic period with the information system success model (ISSM) approach that was formed through system quality, information quality, and service quality. The research method used a quantitative approach by distributing questionnaires to respondents of 206 e-commerce costumers. Data analysis used Structural Equation Modeling (SEM) where the results confirm that system quality, information quality, service quality, affected the level of use and user satisfaction of e-commerce customers. E-commerce companies are recommended to maintain, even improve system quality and information quality because information that is less interesting, less relevant, and difficult to understand results in low information quality, which in turn, can reduce the level of use and customer satisfaction.

Purpose The purpose of this study is to assess small and medium-sized enterprises (SMEs) owners’ intentions to participate in waqf, involving two countries, which are Malaysia and Indonesia, using the theory of planned behavior. SMEs are the backbone of many economies, representing 95% of all companies worldwide and accounting for 60% of employment. Based on this fact, this paper analyzes the influence of religiosity, knowledge and attitude to predict the intentions of SMEs’ owners in waqf participation in Malaysia and Indonesia. Design/methodology/approach Data were randomly obtained from 175 SMEs owners from Malaysia and Indonesia with the Statistical Package for the Social Sciences (SPSS) used for analysis. Findings The empirical analysis data suggest that knowledge and attitude show a significant impact on the intentions of SMEs’ owners to participate in waqf, while religiosity does not have a significant impact on the intentions of Malaysian and Indonesian SMEs’ owners to participate in waqf. Practical implications This study aims to assist SMEs in Malaysia and Indonesia to formulate appropriate strategies and marketing using waqf for the sustainability of SMEs which represent more than 90% of business establishments in both countries. The strategy is a necessity, especially because the government is targeting to promote a sustainable Islamic financial system, improve governance policy and halal industry for SMEs, strengthen the development of Malay Reserve land, providing as financial independence to higher learning institutions and invest in digitalization and advanced technology through waqf funds. Therefore, both countries should take the initiative to provide training to equip SMEs with extensive knowledge through multiple platforms to further encourage their participation in waqf. Originality/value Because of the increasing interest in waqf participation both in Malaysia and Indonesia, this study claims three essential contributions. First, it aims to examine the intention of SMEs in waqf participation among the business owners in Malaysia and Indonesia. Second, the study findings are expected to benefit the development of literature in accordance with Islamic social finance, particularly waqf. Third, this study provides an insight into the inclusive knowledge and attitude of SME owners and their intention to participate in waqf.

This study investigates the determinants of saving behavior among government servants. The study focused on financial knowledge, financial self-efficacy, financial attitude and financial management practice in relation of saving behavior. The respondents were government servants in Kuala Lumpur, Malaysia. Convenience sampling was used for this study. 150 questionnaires were distributed to 150 respondents to answer the questionnaires. The questionnaire was designed in two sections, one consisting of demographic information and the second relating to the selection determinants of saving behavior. Result indicates that financial self-efficacy becomes an important factor that influences the saving behavior. Financial self- efficacy is the best predictor as most of government servants are managed to make progress towards financial goals. These findings could be useful references for related organizations as well as body of knowledge and practical implication that are interested in developing personal saving in a context of avoiding from bankruptcy. Keywords: Saving Behavior, Financial Knowledge, Financial Attitude, Financial Self- Efficacy, Financial Management Practice

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