“…Tables 8, 9 and 10 further indicate that there exists a significant long run relationship between government efforts, financial institutions and Islamic home financing and home ownership in Malaysia. These results lend support to studies across countries on the effects of land supply and housing stocks on homeownership in Hong Kong and China (Lee, 2009;Hui, 2004), Ethiopia (Adam, 2015); UK, Australia, Ukraine (Ayoade & Ahmad, 2014;Costello, 2014;Kryvobokov, 2004). Furthermore, our findings that there exists a long run relationship between financial institutions and homeownership concur with the results of Garriga, Gavin and Schalgenhauf (2006), which also allude that innovations in financial markets, access to mortgage finance and reducing payment constraints can allow consumers to purchase homes.…”