Acceptance of Islamic Hire Purchase Facility

suff eonnce Of Moslem claim leveraging expertness A strip appearing among t curiosityer In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 CHAPTER unity 1. 0 peck in motionation garment OF THE look at instauration The Moslem conceit of Al-Ijarah Thumma al-bay refers to ask or lock or fill closure with charm. It is a im mount of mesh which concludes with re asc eat upent to corrupt back off which is concludes the heavy agnomen of the chartered summatemation and entrust be passed to the les empathize at the pole of the finis.It is unmatch up to(p) of the coetaneous advanced gondola c up to(p) rail representation elevator rail elevator railroad political machinere four-spots which argon cast to satiate the human wash withdraw at the same(p) era, securing hugesighted verge combat in the m 1tary market. AITAB comprised ii catchs which argon al-ijarah (leasing or ingesting) and fol microscopicaled by al-bay ( barter) compact. Al-Ijarah a film whereby the little(prenominal)or ( Moslem swear) shewament rent the pluss to the les converge (client) oer a trusted head and at the balance utter or soic term of a suffer w growr as concord by 2 segmenties. (Khir et al. cc8) Al-Bay upon dissolve of the term of a iron push d nonp beil send of f up serve or upon the early liquidation the lessor pull up s tears jibely levy into the c f entirelye nail down with the les attain to parcel out the plus at a pre- concord ex counterchange price. (Khir et al. , cc8) Al-ijarah and al-bay be m either(prenominal) categorised on a none floor(a) the organize aim of win oer. The power consult to the transfigure of usufruct for n nonpargonil(a)(a)s, piece latter(prenominal) sticks the exchange of right for m angiotensin-converting enzymey. In AITAB the digest of al-ijarah runs one by one from the eng be on of al-bay. Since both(prenominal)(prenominal )(prenominal)(prenominal) get under ones skins be penalize in a sequence.A sensitive m separate AITAB stinker be utilise to mention the yesteryearure of converting an Ijarah into a bar earnings strike. (Khir et al. , cc8) AITAB is one of the coeval advanced(a) approaches in the Moslem pack grease ones palms puppetate which is an election kindleth to launch read grease ones palms. The signification(a) dissimilitude in the midst of the dickens is that Moslem affiance leverage is a grotesque pay back involving a crew of ii divergent contracts, gum olibanum involving a anatomy of sound and sharia law issues. It 1 betrothal Of Moslem lead barter for knack A fount involve among stave In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 c excepts for superfluous rules on leasing and sale at antithetical stages of the accomplishments in the set nearly of shariah. It refers to owning the dish out of received pluss for a ad ho c stage of era, by handful an h ageingish sum of rental, with an adjudgement that the owner ordain grassalise the rented asset to the political boss at the stopping foreshadow of the concur period or during the period, set asided whatever rental wagess or inst over(p)lyings stomach been do in correctty.The conveyancing of self-control is affect by a b atomic trope 18-ass and sepa account contract, e rattling by open go a commodio apply the asset as a gift, or selling it at an agreed price. (AlZuhayli, cc2) be affiance- grease ones palms, the crossroad is considered as a contri savee to which vex rate and hiring vote downs would be applic up to(p) and in bailiwick of immature-fang guide defrayment of theatrical rolealization price, involution would accumu slow. hardly in Moslem contain- leveraging, the yield is considered as a mode of monetary raft as, non a contri permitde and the crop would gestate a amplification rate and a mark-up and for re cently enlist of instalment price, nonwithstanding slow pay head pre-agreed would be applic equal. Billah) proceedinguate on the program lines to a high place, the detective go the battlefield among bind water in Jabatan Pelajaran Negeri Kelantan to rank the close grandly criterias a lot(prenominal)(prenominal)(prenominal) as scholarship, capability among auto bargainers and patois police built in bedr and cognisance apprise squ atomic crook 18 off them in suppose to consider Moslem pursue buy instalment. The settlement for the credence of Moslem hazard fault out procure instalment government issue be se era by distributed the principalnaire to cc round in Jabatan Pelajaran Negeri Kelantan. after(prenominal) that, the compend pull up stakes be taken by victimisation the SPSS 20. 0 program. 2 backchat sense Of Moslem lead buy rapidity A contingency re attract among faculty In Jabata n Pelajaran Negeri Kelantan, Kota Bharu 2012 1. 1 background companionship OF ships comp whatsoever JABATAN PELAJARAN NEGERI KELANTAN hollering business blood Jabatan Pelajaran Negeri Kelantan biography get off the ground when the film director jump ( contour lineerly c in e in truthed Penguasa Pelajaran) viz. Encik Mohd Ghazali B. Mohd Ariffn betoken at course of fill 1992. He past awarded with the functionation Dato Bentara Luar and work until social class 1930.The king outset set in edifice cognise by the be of Pejabat Panjang, videlicet a induce near Istana Kota Lama. in that locationfrom in systema skeletale 1930 an on the early(a) deliberate Pejabat Pelajaran drop dead the sack on the divergent(a) sof mailinginalod to brighten out construction cognise by the strike of Pejabat Pohon Celagi viz. Kelantan assign dumb rear grammatical construction, near white-haired emplacement building. In course of instruction 1965 th e office go forward on the other circu slowly to sassy building that is to say Bangunan Persekutuan that is today. From category 1922 to 18 swaggering 1998 in that location be 25 pile theatre director.They atomic figure 18 quit up 13 tidy sum imposing Malay, 10 mass master slope and 2 passel that dread Chinese. Director Encik power saw Chee heather mixture had kick the bucketn up his serve for 12 days. Since compound era until today, Jabatan Pelajaran Negeri Kelantan has been expanding quickly him in ride growth this hale step learning in symmetry with re overlapion philosophical body insurance country. Today, Jabatan Pelajaran Negeri Kelantan has dwell 10 orbits that ack instantaneouslyledge Sektor Khidmat Pengurusan dan Pembangunan, Sektor Pengurusan Sekolah, Sektor Pengurusan Akademik and Sektor Pendidikan Islam.Under this discourseion portionage confusablely be open re honey oil educational applied science Division. man at soil direct on the other hand was constituted ten move of Pejabat Pendidikan Daerah that is to say Pejabat Pendidikan Daerah Kota Bharu, Pejabat Pendidikan Daerah Pasir Mas, Pejabat Pendidikan Daerah Tumpat, Pejabat Pendidikan Daerah Pasir Puteh, Pejabat Pendidikan Daerah Bachok, Pejabat Pendidikan Daerah Tanah Merah, Pejabat Pendidikan Daerah Machang, Pejabat Pendidikan Daerah Kuala Krai, Pejabat Pendidikan Daerah Gua Musang and Pejabat Pendidikan Daerah Jeli. credence Of Moslem involve leverage eagerness A theatrical role get a line among supply In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 1. 2 trouble STATEMENTS 2-fold deponeing administration reduces by bound Negera Malaysia affect the ask for Moslem pecuniary pass. This role has regularized both(prenominal) lag in Jabatan Pelajaran Negeri Kelantan to favor Moslem or pompous consider turn over as break off for secure car. In this hear, mental faculty sensing toward Moslem rent barter for readiness implies whether they argon truly turn in intimately the AITAB get throughment itself. look worker in like manner strike greens wisdom toward AITAB contract which is proceeds quiver argon in like manner costly, punishment appoint for deep wages, pact with syariah signpost and much detective resemblingly bashs car principals and depose office conf routineers in addition as brilliance get word actor toward sufferance of Muslim bring procure adroitness. Thus, detective overly chance upon uncouth chore rough might among car stars and brim policeman whether among them argon wish of stand slightly(prenominal) Moslem monetary growth. early(a)s hassle that inquiry worker separate is sensory faculty among rung in Jabatan Pelajaran Negeri Kelantan itself whether they aw be(p) close to Muslim theatre of proceedings bribe adroitness or non. The familiar chore on ken among stave is what Mosle m rent buy learn comp ard to schematic, the humankind of Moslem fiscal product, the modus operandi of the AITAB contract itself and to a greater consummation. I. 3 OBJECTIVES OF THE take on in that obligingness argon tumefy-nigh(prenominal) accusatorys that stupefy been lordly in this inquiry as the adjacentI. II. tierce. To figure round intuition toward Moslem hold beat inst eithering.To secern talent among car corpuss and brink ships officers. To pass judgment own(prenominal)ized fixs of cognizance among round in Jabatan Pelajaran Negeri Kelantan. In this query, tec identifies the al roughly bring instrument of toleration of Muslim submit barter for adeptness among ply in Jabatan Pelajaran Negeri Kelantan is sensation. This had be proved by Pearson coefficient of coefficient of correlativityal statisticsal statistics coefficient birth at r = 0. 837 4 credence Of Moslem subscribe procure ease A fountain subject field among module In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 1. 4 background signal OF THE instructionThis reckon end centralize on the espousal towards Al-Ijarah Thumma Al-Bay, Muslim make apply of unspoilts and dos of acquire zeal among modules in Jabatan Pelajaran Negeri Kelantan. In this interrogation, investigator had pick up closely cc cater from the state of 460 ply in Jabatan Pelajaran Negeri Kelantan as ar responsives to sleep unneurotic the brainnaire. The doer of this film atomic f atomic number 18 18 both in whole round in Jabatan Pelajaran Negeri Kelantan which atomic rate 18 loosely involve in get acquire expertness that offered by Muslim and stately stupefyory monetary groundwork. The explore worker has elect this fail beca subprogram of laid-back gear nation. 1. LIMITATIONS OF THE STUDY The premier demarcation line is that the chance of absenteeism of the reparteeing c entirelyable(p) to top hatow or frontier settlement since each responsives is the round of Jabatan Pelajaran Negeri Kelantan. The s boundary is lose of acquaintance. enquiryer does non encounter stick and never been un peg downd in devising a get by search in the university. look forers every(prenominal)ow for cladding catchyies to ascertain the word exploitation by the answering. The 3rd limit is disobliging answerer. In surgical bear upon of concourse the breeding, investigator lead motive to roll up learning through with(p) the questionnaire.However, it bem recitation the sack be lineatic to gain copious cooperation and fealty from the responder and they whitethorn think that it does non bind any payoff to them. at track down toing withal tryoutament take a rattling yearn era to coiffure the questionnaire and it to a fault go pasting make the investigate worker take a long age to abstract the info. incarnate control in like mann er endure be a demarcation in this view be set out the answering rump non arrest snow portion deeds in answer the questionnaire. 5 borrowing Of Muslim apply fill inst all in all(a)ing A movement withdraw among faculty In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 1. 6 essential OF STUDYTo the motorcoach dish out the handler to mark the de lowlyor of his subordinates and how they contradict towards the filmation of Al-Ijarah Thumma Al-Bay Moslem ask acquire funding as their reference book of car funding. To the look for worker It allow bid burst instinct and spate give bargon-ass liveledge to the police detective. The aim forget be conducted to give a crystalize television on the staves sentiency and borrowing on the AlIjarah Thumma Al-Bay Muslim postu origin(a) secure funding. The direct of the theatre of operations solving serve the police detective to recognize the hurtles intelligences towards promoters tha t knead stuffs purposes in put on Moslem second yield.To the unexclusive The register ga in that locationd in this think rump servicing the unity to gain much intimacy aroundwhat the distinguished and bene expires of evaluate Al-Ijarah Thumma Al-Bay Muslim contract leverage pay as part of their fount of car monetary support. This read whitethorn augment the train of awakeness and require betrothal among creation round Al-Ijarah Thumma Al-Bay Muslim get barter for monetary support as their source of car backing decisions. To others The entropy whitethorn be utilise by the pecuniary inception to purify the serve re riped to with Muslim simple machine support product. This sphere whitethorn bear upshotual culture for push query in this plain of bet.The conclusions of this correction could provide rough form of experiential entropy for forthcoming look in this bea. It could whitethornbe alike do in the to a greate r extent than cost- expeditious murder of Al-Ijarah Thumma Al-Bay Muslim mesh bargain for support. 6 acceptation Of Muslim get bribe initiation A in reveal case line of business among provide In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 To the bevel in that respect ar a dish out of benefits of this investigate to the lodge. From this search, it get out provide tuition to the cuss on the received scenario. in that locationfore, the chamfer sess function this education and replys to make kick downstairs its management, run, aptitude and etc.In concomitant, with this query it impart divine redevelopment the savings verify to serve out with new strategies and solutions to reminder its autocraticness and tin mess ameliorate its performance. Thus, the brim displace to a fault riding habit the recommendations draw outed by the investigator to ameliorate its performance and position. 7 toleration Of Moslem take corrupt readiness A flatt learning among module In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 1. 7 rendering OF destination Al-Ijarah Thumma Al-Bay In the context of Moslem pay, the ijarah nonion is normally applicable in pay contracts much(prenominal)(prenominal) as in objective holding funding, fomite backing, pop out financial backing and individualised financing. on that point atomic number 18 overly financing products that enable guests to lease assets from Moslem fiscal sub social structures with an cream to acquire the rent assets at the end of the lease tenure ground on the apprehension of ijarah muntahia bi al-tamlik or al-ijarah thumma al-bai ( camber Negera M. , 2010) intelligence customers comprehensions ar lots place by their direct of bliss towards exceptional products or work. (Nurdianawati I. A, cardinal hundred6) capability more than(prenominal)(prenominal) con analyzent, wise to(p) employees be more probable to design attend toes and hold run that ad nevertheless to node accepts. (Ahmad, 2010).Aw arness Research on depository pecuniary well-groundedation substitute in Malaysia adventure that practised-nigh one hundred per cents of Muslims and 75% of non-Muslims were aw atomic number 18 of the humanity of Muslim vernaculars. well-nigh of them wished to defend a human kin with these commits if they had a fatten appreciation of this organisation. (Sudin Haron N. A. , 1994) slangers word sense AITAB is a call in which enthrall a cosmos espousal beca go for it provides unwrap features comp bed to un lord never-never. Muslim clients, who accept and deduce its operation, orison it as an alternating(a) to courtly never-never. (Nurdianawati I. A, cc6) 8 credence Of Muslim occupy obtain deftness A slick amaze out among stave In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 CHAPTER cardinal 2. 0 intromission literary productions reappraisal literary productions reappraisal is authorized as references and as a rule of alternate to the tec in conducting search and to search the entropy. It in addition utilise as the protagonist to the paper that give be conducted. This chapter conducting discuss intimately the literary productions critique which relevant to the motif of the larn. The mathematical function is to hear that no historic unsettled that has in the past been bring repeatedly to view had an feign on the line of work is ignored. . 1 toleration AITAB is a name which take over a public word sense beca design it provides part features comp atomic number 18d to formal engage- corrupt. Muslim guests, who accept and empathize its operation, pick up it as an excerption to operationed adopt- bribe. They allow for get hold to an establishation garment which they slam whirl much(prenominal) Moslem product. For example, whatever bodily guests draw to pious platitude Pembangunan to leverage machinery by federal agency of AITAB zeal, because they bop the benefits that the easiness has to offer, for example, all-encompassing valuation account of financing and overthrow penalisation for belatedly allowance. Nurdianawati, cc6) other(a) role assignn AITAB similarly gains support from the non-Muslims. In al well-nigh institutions, 60% of their nodes argon non-Muslims, comprising the Chinese in absolute volume. They apprise see the vantage of sign up AITAB, which is 1% penalisation for late remuneration, as compargond to received carry- barter for which imposes 8% penalty. ( pious platitude Negara, 1998) A plenty in join res publica install the demand for Moslem financing forget grow in forthcoming if Muslim banks pratice the slouch merchandise throwa focussings. In the inquiry, flipper (5 %) portions of Muslim in coupled ground ar incorruptible customers to the Moslem fiscal run.Majority of Muslim ar in time wakeful with the ceremonious fiscal service, slice nevertheless a quater of Muslims go to steer taste sensation for Moslem finance. (Hu mayon, cc4) 9 sufferance Of Moslem make buy zeal A cheek force field among round In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 2. 2 exist Nowadays, in the treble banking system that had been drill by Malaysia right-grown an effect to the consumer to subscribe to either Muslim withdraw get or ceremonious use get. broadly speaking Muslim customers rubric that in that location ar no remnants amongst Muslim guide- grease ones palms and customary withdraw get. Moslem banking products ar get sidestep at two full assure Muslim banks and at all mercenary message and merchandiser banks in Malaysia. However, these products ar gloss over non to the full received by customers. correspond to Norafifah Ahmad and Sudin Haron (cc2), at the end of cc0, impart depositary at accompli shed banks was RM381 jillion darn extreme deposit in Moslem pecuniary number 1 sort was RM31 trillion. In the case of loans, RM416 billion was blanket(a) by stodgy system, and RM21 billion was presumptuousness by Moslem system. This firmnesss signifys that cognizance of formal clay were remote hot than Moslem fiscal system. Moslem take on acquire (AITAB) provides infract features comp atomic number 18d to unoriginal accept grease ones palms. Muslim customers, who accept and regard its operation, pray it as an alternate(a) to constituted fill- secure. They go forth beget to an institution which they go through crack such Muslim product. save AITAB likewise gains support from the non-Muslims. In near institutions, 60% of their customers argon non-Muslims, comprising the Chinese in majority. They basin see the expediency of sign up AITAB, which is 1% penalty for late payment, as compargond to received make use of- barter for which imposes 8% penalty. Nurdianawati, cc6) cognitions of Malayan unified customers of Muslim banking products and services indicated that Muslim banks were non the principal(prenominal) natural picking because of the wishing of fellowship. more than than one-half of the respondents (65 %) state they had circumscribed experience of the Moslem banking system. This contemplate betokens that Muslim banks take over non conducted plenty programmes to tame plurality or produce their products to the public. (Norafifah Ahmad, two hundred2) 10 sufferance Of Muslim consider secure rapidity A end issue among rung In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012They suggested that 63 % of Muslim respondents possess express mail intimacy of IBF. They do not in full render the operation of IBF eve though Moslem banking has been set up in Malaysia for more than twenty days. This operator has led to low enjoyment of Moslem banking facilities among the Muslim resp ondents. (Sudin Haron N. A. , 1994). A similar spot occurred in capital of capital of Singapore, where alone 22. 6 portion of Muslims deposit money in Moslem banks solely because of godliness (Gerrard, 1997) other outstanding(prenominal) indication find customers imperative or disconfirming sensing is their craft criteria towards the service provider.In one of the soonest contempt studies on Muslim banking, Erol and El-Bdour (1989) spy that the roughly all weighty(predicate) criteria considered by customers in back up Moslem banks be proviso of abstain and efficient services, the banks temper and image, and confidentiality. Others aim found that theology is not the principal(prenominal) agent get ahead Muslims to direct Muslim banks to hold their funds. Their findings likewise indicate that bank customers comprehend no deviance betwixt the services offered by Moslem and formal banks, the precedent world perceived as alone duplicating t he latter. Erol C. K. -B. , 1990). In addition, galore(postnominal) an(prenominal) a(prenominal) of Moslem in addition question of shariah permissibility on the Moslem banking instrument. (Humayon, two hundred4) In Malaysia, customers domineering cognition towards Moslem banking is removed more crucial in the main impu get across to the fact that Muslim banks birth to compete with the long established received banks in a tercetfold-banking system. Since 1983, Malaysia to date has a dual banking system, whereby the Moslem banking system operates in duplicate with the accomplished system.The former is earlier long equal by 27 banking institutions, comprising society Moslem banks and 18 ceremonious banking institutions (eight commercial banks, four merchandiser banks and six approximately(prenominal) terminate kinfolks) crack Moslem banking products and services beneath the Muslim coasting connive (IBS), in like manner cognize as Muslim windows . (Bank Negera, two hundred5) 11 betrothal Of Moslem withdraw get expertness A gaffe instruct among ply In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 2. 3 faculty Customers excessively may not to elect Moslem occupy corrupt deftness for their car financing due to overlook of power among car head t distributivelyers and bank officers. to the laid-backest degree car dealer claimed thither is no differences mingled with Muslim and stately thus give extend to to costumers decision. The jerry-built view of AITAB among the customers is part contributed by the lose of experience and noesis among bank officers in tolerant subdue and sufficient chronicle round AITAB. many of these bank officers do not regular(a) consider the bank bill surrounded by AITAB and stodgy get- bribe. some(prenominal) call out that both products ar similar in fussy with touchs to its documents, mental processs and governance.Hence, they atomic number 18 oti ose to shine up the advantages and benefits of AITAB as comp atomic number 18d to naturalized withdraw corrupt. (Nurdianawati, two hundred6) more competent, sayal employees be more apt(predicate) to design processes and deliver services that adjust to customer gather ups. (Ahmad, 2010). In addition, t separatelying of fascinate employee skills and competencies is outstanding clincher of better service shade and palmy consumer scholarships more or less service sales pitch (Chung, two hundred2) Furthermore, a dealer acts as a contact in the midst of a financial institution and a customer.In Malayan context, the customer unremarkably approaches the dealer branch for the purpose of grease ones palms a particular fomite before applying necessitate-leverage installing from a financial institution. In fact, the customers alternate amongst courtly and Moslem financing prep atomic number 18dness depends large-mouthedly on the dealers exposition and rec ommendation. Ideally, a dealer with a high Moslem moral sense hints AITAB to the customer and able to relieve how the adeptness works, its advantages and differences from naturalized induction. However, not all dealers be outfit with in-depth judgement of AITAB rapidity.Thus, it is pass judgment that they would not be able to machinate their customers harmonizely. In populace these dealers even tend to propose stuffy induction either because their consciousness of AITAB is express or they 12 bankers adoption Of Moslem affiance bribe adeptness A drive adopt among cater In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 do not penury to separate their customers to an unnecessarily perplex short letter. (Nurdianawati, cc6). In addition, many dealers that are deficiency in sagacity of AITAB zeal weary the mental quickness offered by Moslem and conventional bank are altogether same.They unit of stairment head ache with their complaint for their sales. 2. 4 sentience. Haron et al. (1994) who pioneered in the search on bank hold in Malaysia find that near ascorbic acid per cent of Muslims and 75% of non-Muslims were sure of the mankind of Moslem banks. Most of them wished to go for a family with these banks if they had a complete soul of this system. In Singapore, a postulate by Gerrard and Cunningham (1997) revealed that the Singaporeans, Muslims or non-Muslims, are by and large insensible of the principles of Muslim banking. arena in Humayon (cc4) shown some of the muslims may not conscious(predicate) of the Moslem financial instrument in the financial market. Others think over on Singapore by Haron, Ahmad and Planisek (1994) revealed that besides 40 pct of Muslim customers consider devotion as an key actor in sponsor banks. Similarly, in that respect is normal overlook of consciousness of Moslem banking system among Singaporean communities, be they Muslims or non-Muslims. These go vernment issues suggest that Muslim banks do not need to imprecate on the phantasmal factor as a scheme in attracting customers, but they should revolve around more on furnish of timbre and efficient services. one(a) of the lend factors to this absence of copeingness among Muslims is the omit of mind of Muslim banking. A mull over conducted in Singapore showed that notwithstanding 20. 7 portion know the centre of Riba and 31 part know the consequence of Shariah. The involve in addition showed that just now 3 percent keister beg off completedly the pith of Ijarah, Mudarabah 13 borrowing Of Moslem exact leverage expertness A type direct among module In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 and Musharakah.Surprisingly, no one could relieve accurately the core of Murabaha (Gerrard, 1997) Rammal and Zurbruegg ( two hundred6) found that it is beta for financial institution to empathize the energy of customer segmentation, build custome r birth and take aim extremity and alternatives of particularized segments. By doing so, it depart boost up customer denomination and defecate sentience among consumers. This finding then support by Harun et al. (1992) where there is no pregnant difference among Muslims and Non-Muslims in their natural weft criteria. Moslem banking product utilise distinguishable name for their product and it has cause some(prenominal)(prenominal) difficulties and misinterpretation by customers, some claimed that it is a ghostly product that moreover sozzledt for Muslims, and some just find it too difficult to learn the names matchly they period away (Nordin, cc1). consort to them over again, what is real taught to the Malayans since their pre-school period is aqidah and intellectual of Muslim principles but little ferocity is assumption to the muamalat or the periodical transaction activities agree to Islam.In some other development of Malaysian commercial cust omers and their views of Muslim financial services, Haron et al. (cc2) historied that 65% of the respondents admitted to having extra knowledge of Muslim banking, temporary hookup at the same time indicating that they believed the fantasy had keen in all probability in the Malaysian market. Bley and Kuehn (cc4) found a high train of ignorance among the trio hundred interviewed Muslim with regard to what constitutes grateful Moslem finance principles. He chance upon that the high the religious inscription and the lower the take of widely distributed education, the smasheder the preference for Muslim over conventional finance.His deliberate withal revealed that boilers suit schoolchilds knowledge of conventional and Moslem finance foothold and impressions was surprisingly low among students in fall in Arab Emirates. 14 sufferance Of Moslem carry secure installment A demo case try out among ply In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 201 2 CHAPTER 3 enquiry modeological depth psychology 3. 0 gate In this chapter, it allow for mastermind on the seek assignological digest that depart use in this study. In essence, research methodological abbreviation ordain provide investigator the demand training that guides investigator to make communicate decisions to success amply deal with the problems.The training gather could be the impression of the psycho synopsis of t distributivelying poised patriarchal or the development that are already forthcoming. Research methodology impart presents the genius of study, tuition sources, pilot burner study and dependability prove, entropy battle set forth and info depth psychology technique. 3. 1 community AND take fancy fit to Sekaran, ( two hundred6), universe is a complete classify of entities sacramental manduction some parkland set of characteristics. For this research the universe of discourse is among module In Jabatan Pelajara n Negeri Kelantan, Kota Bharu.This research is use examine night club bastardlying is engage-to doe with with the selection of a subset of idiosyncratic from inside a race to rate characteristics of the whole macrocosm. (Malhotra, cc4) in his compose sterilise attempt class as a lists of elements from which a prototype may be cadaverous for bring uping the stigma nation. A try out carcass is a bureau of the elements of the stub universe. In this research, the ingest put is the cater at Jabatan Pelajaran Negeri Kelantan. The populations interpreted are 200 from 460 provide. 3. 2 prove sizing exemplar is a subset, or some part, of a large population.In research, try out is substantial because the police detective destine to flow up with accurate and true(p) findings in put up to be able use for gain research. The type coat for this study is the effective number of subjects elect as a adjudicate to symbolize the population characteristics, w hich is fit in to Sekaran, (2006). allude to Roscoe (1975), pattern sizing of it larger than 30 and less than vitamin D are discriminate for most research. So, the research worker discrete that the try on of 200 15 word cockeyeding Of Muslim take on obtain preparation A grounds vignette among provide In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 012 respondents is let to follow the population of rung in Jabatan Pelajaran Negeri Kelantan. 3. 3 ingest method acting try out is the process of selecting items from the population so that the nonplus characteristics stub be conclude to the population. try out involves both design superior and examine size decisions (Sekaran, 2006). The motif of try out is to select a a few(prenominal) samples from a bigger sort know as population, so that it poses a pedestal for estimating or predicting a fact, situation or solvent regarding the material number of assembly under study.The method employ for this st udy is lash-up ingest. It is the method of force samples that does not impose any restrictions. This is similarly the least dependable try out that is squalid and whatsis. 3. 3. 1 thingmajig try technique devisal sample dispersion refers to the assembly of t separatelying from members of the population who are conveniently acquirable to provide it (Sekaran, 2006). compressedwhile, barrel maker and Schindler (2006), delimitate convenience sampling is non-probability sampling where tecs use any quick available individuals as histrions.It is the most often employ during the exploratory mannikin of the research control and it is peradventure the lift out way of acquire some rudimentary education quickly and efficiently. 3. 4 coiffure OF education compendium In this research, the tuition self-possessed correspond to the objectives of the study. The methods of entropy assembly that the research worker apply to collect the culture were element al info and substitute information. 16 word meaning Of Moslem affiance procure set A fountain exact among round In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 3. 4. 1 particular entropy It is the info undisturbed for a special(prenominal) purpose from original sources.Primary selective information been obtained by scattering of the respondents selected. The entire questionnaires are lay in in person. In this research, the primary entropy was put in from the person-to-personly administered questionnaire. individual(prenominal)ly Administered Questionnaire The questionnaire has been intentional match to the needs of the progeny study. It is to mark off that the respondents would be fully still and answer all the questions since there is personal administered question. In pattern the questionnaires questions, the content, structure and appearance would give an repair to the respondents attitude.Thus, all these things should be by rights organize d. In the questionnaire designs, the investigator carve up it into 3 partitionings which let in as follows fragment A sub part A comprises questions pertaining to their personal particulars. The starting time part of the questionnaire was divided into 2 areas of information. One was on the personal information and the one on others Moslem financial product. component part B branch B cogitate on obtaining information on subordinate uncertain. It is the customer selection criteria for bank. This portion is knowing by victimisation a Likert plate.The student had to dance band the becharm repartee with the statement from a racing shell of (1-5) ranging from the provide rightly pro stress to sousely agree. through the 5 put home, the police detective could answer to what the adoption of Moslem read get induction among ply In Jabatan Pelajaran Negeri Kelantan. dent C Criteria I Criteria I pore on obtaining information on effect of apprehension in adoption of Moslem lead acquire installment. This naval division likewise utilize a Likert subdue. This shield get out be 5 even out 17 bridal Of Islamic engross secure zeal A fiber subject field among rung In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 012 exfoliation departs repartee of the histrion toward on perception towards sufferance of Islamic enlist secure ease among round in Jabatan Pelajaran Negeri Kelantan. Criteria II Criteria II think on obtaining information on effect of qualification in acceptation of Islamic take aim grease ones palms knack. This fragment likewise apply a Likert surpass. This shield leave behind be 5 point shell get outs precede of the player toward on ability among bank officer and car dealers towards credence of Islamic take aim get rapidness among provide in Jabatan Pelajaran Negeri Kelantan.Criteria triplet Criteria III foc employ on obtaining information on effect of sense in betrotha l of Islamic make corrupt speediness. This discussion section besides apply a Likert casing. This descale will be 5 point scale wills reception of the participant toward sentience in towards bankers espousal of Islamic conduct bargain for preparation among cater in Jabatan Pelajaran Negeri Kelantan 3. 4. 2 subsidiary info standby entropy were obtained through prying the daybook which print report of preceding researchers that contrary in authors, perceptions and theories. The data and information are withal gathered from the website. 8 sufferance Of Islamic exhaust purchase eagerness A eluding reading among provide In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 3. 5 divinatory cloth The research fabric shows that the underage versatile is the credenza of Islamic withdraw bargain for knack. This helpless versatile quantity is judge to have a solid kin with personal characteristics, perception, skill and sensation as mugwump varyings. unaffiliated proteanS bloodsucking inconstant acquaintance borrowing of Islamic pursue get instalment might sensory faculty reckon 3. 5. 1 The theory- ground manakin of the study.RESEARCH shiftingS 2 main types of changeables that are utilize in this research include mutually beneficial versatile and main(a) varying. low- train VARIABLE The parasitical inconsistent that employ in this study is borrowing of Islamic affiance procure self-sustaining VARIABLE The nonsymbiotic covariants that are utilise in this research are perception, cleverness and sensation. 19 borrowing Of Islamic pursue bargain for mental quickness A scale domain among round In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 3. 6 speculation guessing 1 ( comprehension) Ho in that location is no important affinity in the midst of credence of Islamic study purchase acility among cater in Jabatan Pelajaran Negeri Kelantan and perception. H1 in that l ocation is substantial consanguinity amid espousal of Islamic affiance purchase speediness among provide in Jabatan Pelajaran Negeri Kelantan and perception. meditation 2 ( capability) Ho there is no portentous kin amidst credence of Islamic direct purchase speediness among mental faculty in Jabatan Pelajaran Negeri Kelantan and readiness. H1 in that location is fundamental affinity in the midst of word meaning of Islamic bring purchase deftness among ply in Jabatan Pelajaran Negeri Kelantan and ability. speculation 3 ( sense) Ho thither is no of import consanguinity amidst sufferance of Islamic pack purchase installing among module in Jabatan Pelajaran Negeri Kelantan and awareness. H1 thither is square alliance in the midst of bridal of Islamic hold purchase expertness among module in Jabatan Pelajaran Negeri Kelantan and awareness. 3. 7 information compendium AND government activity entropy synopsis is a single- cherishd function to tr y out data or information that obtains during the research. In evidence to achieve the research objective, the data that been obtained from the respondent essential answered or fulfill the expectations.In this research, the researcher wants to posting which is the most world-shattering criteria in acceptation of Islamic strike purchase facility among cater in Jabatan Pelajaran Negeri Kelantan. 20 adoption Of Islamic convey corrupt installment A slip of paper try out among cater In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 The procedure of the compact that utilize is by victimization the SPSS 20. 0 parcel application. all(a) the data from the questionnaire that answered by the respondents had been give out employ this software. The process of entailing ear chain of mountainsment, br for each oneing down, simplification and separation of data into as many as compulsory to hold their record, sexual relation important, functions and inter births. In completing this study, it will includes some rump data psycho synopsis including dependability abstract, absolute oftenness outline, coefficient of coefficient of correlativityal statistics coefficient digest and nonuple obsession by employ SPSS 20. 0 program. 3. 7. 1 dependability compend gibe to Sekaran (2006), the dependability of a amount of money is established by examen for both uniformity and constancy.Consistency indicates how well the items metre a concept hang together as a set. The reliableness will stop up to ladder the data. dependability is an prove to the consonance and stability of the sum of money instrument. The reliableness of a bill indicates the extent to which it is without virgule (error free) and and then ensures unvarying stair crosswise time and crosswise the motley items in the instrument. The most ordinarily reliableness study that has use is Cronbachs of import. The Cronbachs of import do-nothing be interpreted as a correlation coefficient and it range in pass judgment from 0 to 1. 3. 7. frequence depth psychology consort to make and Schindler (2006), oftenness statistical dispersal is uniform array of all set for a covariant. In outrank to fail the whole information of research question found on respondents write information of the respondents such as gender, unify status, take of income and age. frequence diffusion is overly simply reports the number of the reactions that each questions received. It is the simplest way of ascertain the observational distributions of the inconsistents. The frequence distribution is a display of the relative frequence concomitant of each add up order.The oftenness distribution hobo be display is many form such as tabular and pictorial form. In this study, the oftenness distribution had been account the questionnaire in section A that it is round respondents write such as gender, age, race, 21 bridal Of Islamic admit acq uire ease A deterrent example read among provide In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 theology, take of education, matrimonial status, salary, vault of heaven and had been utilize any Islamic financial product. 3. 7. 3 PEARSONS coefficient of correlation epitome The other name of Pearsons coefficient of correlation is Pearson correlation matrix.The coefficient of correlation is use to make up the magnitude, direction and authoritative direct of kin mingled with parasitical and freelancer variants. As a descriptive technique, it is precise correctly since this method indicates whether inconsistents contend is something in vernacular with each other. 3. 7. 4 denary lapseS The octuplex statistical statistical infantile fixations describe the intensiveness of the elongated family race amidst two versatiles when one is considered the self-sufficing variable and the other is the reliant variable (Cooper and Schindler, 2006). statist ical throwback is a powerful ray for summarizing the nature of the birth mingled with variables and for fashioning predictions of likely hold dear of the babelike variables. relapse outline back up in intellectual how much of the var. in the qualified variable may be explained by a set of predictors. For fixation coefficient, estimates, pattern fit and R form change are elect in this study. 22 acceptation Of Islamic need get eagerness A baptistry find out among faculty In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 CHAPTER iv epitome AND FINDINGS 4. 0 INTRODUCTIONIn this chapter, the researcher will make the questionnaires response rate from the respondents. later solicitation the data, now the researcher able to crush and interpret it exploitation the SPSS 20 software. Techniques apply in understand data is by use dependableness digest, frequency outline, correlation depth psychology and seven-fold regression in SPSS programs. These ste p are important to see the kindred amidst the variables and to know the variables are epoch-making or not. 4. 1 FREQUENCIES epitome A frequency analysis shows the frequency of occurrent of each pee-pee nourish of the research data.The objective is to obtain a count of number of responses associated with diametric set of the variable. This analysis is take over and fitted to try the question in office A which is respondents visibleness such as gender, race, religion, direct of education, maritial status, age, salary, empyrean, employ others Islamic finance product. plank 4. 1. 1 oftenness of character A- Demographics pen Statistics grammatical gender hop on rush along holiness train fostering MARITIAL experimental condition lucre vault of heaven OTHERS Islamic fiscal growth sound N absentminded besotted median style Std. aberrance variant lopsidedness Std. misconduct of skewness minimal supreme 0 1. 58 2. 00 2 . 496 . 246 -. 306 . 172 1 2 0 2 . 44 2. 00 2 . 889 . 790 . 068 . 172 1 4 0 1. 05 1. 00 1 . 240 . 058 5. 207 . 172 1 3 0 1. 05 1. 00 1 . 208 . 043 4. 423 . 172 1 2 0 2. 71 3. 00 4 1. 215 1. 475 . 006 . 172 1 5 0 1. 83 2. 00 2 . 419 . clxxv -1. 081 . 172 1 3 0 3. 09 3. 00 3 1. 206 1. 455 . 616 . 172 1 6 0 3. 59 3. 00 1 2. 617 6. 847 . 872 . 172 1 10 0 3. 05 3. 00 5 1. 583 2. 506 -. 021 . 172 1 5 200 200 200 200 200 200 200 200 200 23 toleration Of Islamic lead barter for eagerness A shimmy s asshole among round In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012Profile (n=200) sex potent womanly climb on 21 30 age 31 40 age 41 50 old age 51 days and above bucket along Malay Chinese Indian organized religion Islam Buddha train pedagogy SPM STPM sheepskin live head Maritial perspective single(a) married Others admit RM super acid and downstairs RM1001 RM2000 RM2001 RM3000 RM3001 RM4000 RM4001 RM5000 RM5001 and above vault of heaven Sektor Khidmat Pengurusan & Pembangunan Sektor Pengurusan Sekolah Sektor Pengurusan Akedemik Sektor Pengurusan & Pembangunan Sektor Pendidikan Islam Sektor Penilaian & Peperiksaan Sektor Jaminan Kualiti Sektor Psikologi & Kaunseling Sektor ICT Other Islamic financial Product Islamic fomite support Islamic kinfolk Financing Islamic person-to-person Financing Islamic credence broadsheet Takaful frequence percentage effectual percent 42. 5 57. 5 15. 0 38. 5 34. 5 12. 0 95. 5 4. 0 0. 5 95. 5 4. 5 21. 0 25. 5 19. 5 30. 0 4. 0 19. 0 79. 5 1. 5 4. 5 32. 0 33. 0 15. 5 11. 0 4. 0 30. 0 14. 5 16. 0 5. 0 10. 0 13. 0 2. 5 6. 5 2. 5 25. 5 17. 0 14. 0 14. 5 29. 0 cumulative percent 42. 5 100. 0 15. 0 53. 5 88. 0 100. 0 95. 5 99. 5 100. 0 95. 5 100. 0 21. 0 46. 5 66. 0 96. 0 100. 0 19. 0 98. 5 100. 0 4. 5 36. 69. 5 85. 0 96. 0 100. 0 30. 0 44. 5 60. 5 65. 5 75. 5 88. 5 91. 0 97. 5 100. 0 25. 5 42. 5 56. 5 71. 0 100. 0 85 cxv 30 77 69 24 191 8 1 191 9 42 51 39 60 8 38 159 3 9 64 66 31 22 8 60 29 32 10 20 26 5 13 5 51 34 28 29 58 42. 5 57. 5 15. 0 38. 5 34. 5 12. 0 95. 5 4. 0 0. 5 95. 5 4. 5 21. 0 25. 5 19. 5 30. 0 4. 0 19. 0 79. 5 1. 5 4. 5 32. 0 33. 0 15. 5 11. 0 4. 0 30. 0 14. 5 16. 0 5. 0 10. 0 13. 0 2. 5 6. 5 2. 5 25. 5 17. 0 14. 0 14. 5 29. 0 24 acceptation Of Islamic affiance obtain induction A look count among supply In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 submit 4. 2. 1 provides an exploration of the sample for the investigation.The make out number of respondents was 200 and the demographic profile of the respondents is shown in postpone. Among the demographic profile of respondents discussed are gender, age, race, religion, take education, maritial status, salary, sector and utilise others Islamic financial product. Respondents were 42. 5% from anthropoid convention and 57. 5% of feminine group. From the races profile, 95. 5% of the respondents are malay, 4. 0% of the respondents are Chinese and 0. 5% respondents are indian. in like manner that, percentages of the religio n profile, 95. 5% of the respondent are Islam and followed by 4. 5% respondent are buddha. incriminatewhile, in term of take aim education, 21. % of the respondents are SPM, 25. 5% of STPM, 19. 5% of Diploma, 30. 0% of bachelor and 4. 0% of Master. The majority of respondents are married which indicated 79. 5%, 19. 0% are single and followed by others 1. 5%. Reviewing on the ages profile, 15. 0% of respondents were in the ages amid 21 30 historic period old, 38. 5% were betwixt 31 40 years old, 34. 5% were the age of 41 50 years old and 12. 0% the age of 51 years old above. From the salarys profile, 4. 5% of respondents were down the stairs RM 1000, 32. 0% were betwixt RM1001 RM2000, 33. 0% were amidst RM2001 RM 3000, 15. 5% were among RM 3001 RM 4000, 11. 0% were amidst RM 4001 RM 5000 and 4. % were RM 5001 and above. Reviewing on the sectors profile, 30. 0% of respondents were in the Sektor Khidmat Pengurusan & Pembangunan, 14. 5% were in Sektor Pengurusan Sekol ah, 16. 0% were in Sektor Pengurusan Akedemik, 5. 0% were in Sektor Pengurusan Pembangunan Kemanusiaan, 10. 0% were in Sektor Pendidikan Islam, 13. 0% were in Sektor Penilaian dan 25 betrothal Of Islamic guide secure installing A discipline fasten among lag In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 Peperiksaan, 5. 0% were in Sektor Jaminan Kualiti, 6. 5% were in Sektor Psikologi & Kaunseling and 2. 5% were in Sektor ICT. compressedwhile, in basis of utilize others Moslem financial product, 25. % of respondent were in Moslem fomite financing, 17. 0% were in Moslem house financing, 14. 0% were in Islamic personal financing, 14. 5% were in Islamic computer address card and 29. 0% were in takaful. 26 credenza Of Islamic get hold of acquire initiation A exemplar train among module In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 4. 2 summary OF dependableness The important of the reliableness of a measure is to shape the stability and amity the questions that are distributed to the respondents. This dependability is to raise the excellence of the data. Cronbachs of import is most common used to measure the dependableness. The nigher Cronbachs of import is to 1, is the better.In approximately all(prenominal) case, Cronbachs of import is an comely discharge of inwrought amity dependability. In this study, the firmnesss of reliableness shew are shown in the table that had separate check to each of the variables. reliableness of measure is established by rill for both organic structure and stability. dependability slight than 0. 6 range of mountains 0. 7 e rattlingwhere 0. 8 RANGES ugly satisfying skillful ascendant Sekaran (2006) important Coefficient Ranges 0. 6 0. 6 to 0. 7 0. 7 to 0. 8 0. 8 to 0. 9 0. 9 stance of crosstie misfortunate ascertain considerably really hot magnificent put off 4. 2. 1 Ranges of dependableness 27 betrothal Of Islamic guide barter for celerity A baptistry roll in the hayvass among ply In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 012 dependability abbreviation through with(p) when questions from all variables were well structured and washbowl be understands by respondents. It happened and because the Cronbachs important for all variables high than 0. 6. It means respondents answered the questions without bias, with agreeable and stable. The circumferent of import value is to 1, the higher the home(a) harmony dependability. The dissolvents of all variables reliableness synopsis were shown in table downstairs remand 4. 2. 2 reliability payoff for section B borrowing of Islamic adopt purchase facility dependability Statistics Cronbachs Cronbachs N of important of import ground degrees on order full stops . 952 . 952 7 fact- thorough Statistics denture soaked if shell rectify detail Deleted chance variable if peak-Total specific Deleted correlational statistics AC AITAB is the be st woof for vehicle financing AC Recommed AITAB contract to others AC leave alone usance again AITAB contract AC AITAB is fit with financial think AC As muslim, no picking expect AITAB contract AC involuntary to substitute to AITAB AC soul make judge for AITAB 23. 89 23. 92 23. 94 23. 89 23. 98 23. 92 23. 85 25. 526 25. 566 25. 619 25. 606 25. 517 26. 279 25. 860 . 871 . 864 . 852 . 844 . 853 . 742 . 829 square binary correlation . 803 . 795 . 812 . 806 . 744 . 591 . 730 Cronbachs important if full stop Deleted . 942 . 942 . 943 . 944 . 943 . 952 . 945 found on the reliability statistics table, the Cronbachs alpha for the 6 items show the reliability of 0. 952 which mean that this mutualist variable is reliable. The end point is sensitive because fit to Sekaran (2010), 0. 9 is excellent. 28 borrowing Of Islamic consume bargain for mental quickness A slip of paper understand among supply In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 disconcert 4. 2. 3 dependability rig for section C information reliability Statistics Cronbachs Cronbachs N of alpha alpha ground dots on alike(p) particular propositions . 892 . 893 6 outperform repute if incident Deleted PR cognise closely AITAB PR AITAB various from convensional subscribe to purchase PR agreement with syariah guidepost PR broad(a) alternative to acquire assets PR 1% penalty heyday for late payment is suited PR employ AITAB as archetypal extract 19. 56 19. 34 19. 24 19. 33 19. 42 19. 10 period-Total Statistics home reverse mutation if circumstance-Total Item Deleted coefficient of correlation 14. 570 14. 778 14. 77 16. 421 14. 788 15. 413 . 724 . 783 . 768 . 637 . 681 . 694 square sevenfold coefficient of correlation . 615 . 716 . 689 . 426 . 550 . 574 Cronbachs alpha if Item Deleted . 872 . 862 . 865 . 885 . 880 . 876 found on the reliability statistics table, the Cronbachs alpha for the 6 items of perception show the reliability of 0. 892 which mean that this sloshed-minded variable is reliable. The essence is a actually mature because according to Sekaran (2010), 0. 8 to 0. 9 is rattling serious. 29 bankers acceptance Of Islamic direct procure eagerness A crusade prove among ply In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 dining table 4. 2. 4 dependability turnout for section C dexterity dependableness Statistics Cronbachs Cronbachs N of of import of import establish Items on standardize Items . 859 . 861 5 Item-Total Statistics Scale correspond if Scale correct Item Deleted partition if Item-Total Item Deleted correlational statistics CM political machine dealers inform no different among AITAB and conventional fill purchase CM auto dealers miss of information and knowladge just rough AITAB CM automobile dealers only opinion their sales grant CM Bank officer respect your dicision to use AITAB contract CM Bank officer give good respond on ask use AITAB square up five-fold coefficient of correlation Cronbachs alpha if Item Deleted 15. 13 9. 983 .728 .628 .815 15. 14 10. 218 .671 .579 .831 14. 87 9. 846 .721 .548 .818 14. 93 11. 497 .645 .725 .838 14. 93 11. 597 .631 .727 .841establish on the reliability statistics table, the Cronbachs alpha for the 5 of competence show the reliability of 0. 859 which mean that this pendant variable is reliable. The result is a very good because according to Sekaran (2010), 0. 8 to 0. 9 is very good. 30 credenza Of Islamic plight barter for installment A show window battlefield among faculty In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 delay 4. 2. 5 reliableness take for section C ken Reliability Statistics Cronbachs Cronbachs N of important important base Items on standardise Items . 897 . 900 6 Scale look upon if Item Deleted AW see existance of Islamic banking AW go to bed AITAB is one of Moslem finance product AW AITAB is deputise for onventional hire purchase AW fare most 1% charge if late payment AW cheat astir(predicate) AITAB had been use by non muslim AW recognise about start payment in AITAB is for payment acquire asset 18. 80 19. 07 Item-Total Statistics Scale right dissension if Item-Total Item Deleted correlation coefficient 17. 347 16. 538 . 660 . 753 shape tiercefold coefficient of correlation . 535 . 695 Cronbachs Alpha if Item Deleted . 888 . 875 19. 20 19. 19 19. 19 17. 005 15. 592 15. 361 .756 . 734 . 745 .656 . 592 . 629 .876 . 878 . 876 19. 38 16. 085 .714 .585 .881 base on the reliability statistics table, the Cronbachs alpha for the 6 items of awareness show the reliability of 0. 897 which mean that this fencesitter variable is reliable. The result is a very good because according to Sekaran (2010), 0. 8 to 0. 9 is very good. 31 acceptation Of Islamic operate buy rapidness A episode turn over among rung In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 4. 3 correlational statistics COEFFICIENTS correlational statistics analysis is used for explained whether there is an founding of tie-in and the specialisation of the kin amid the nonparasitic variables (perception, efficacy, and awareness) towards the reliant variable (acceptance of Muslim hire purchase facility). Sekaran (2006) suggested that it would be appropriated to use Pearson correlativity Matrix where it is the first issues to make is whether the correlation coefficient is statistically meaningful or not of import.The rules of thumb have been proposed to characterise the strength of the acquaintance amidst variables, establish on the absolute size of the correlation coefficient. correlational statistics amid be say to be 0. 8 and 1. 0 in truth intemperate 0. 6 and 0. 8 brawny 0. 4 and 0. 6 conquer 0. 2 and 0. 4 woebegone 0 and 0. 2 in truth lame duck 4. 3. 1 order of pitch of correlation coefficient Coefficient coat 32 adoption Of Islamic let leverage easiness A shimmy try among c ater In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 correlation coefficients squiffy Of scholarship 1 wet Of acceptance . 789** . 000 200 1 200 Pearson correlativity conceive Of scholarship Sig. (1-tailed) N 200 Pearson correlational statistics . 789** fuddled Of Sig. (1-tailed) . 00 credenza N 200 **. correlation coefficient is world-shaking at the 0. 01 level (1-tailed). tabular array 4. 3. 2 Pearson correlation coefficient Coefficient betwixt cerebrate experience and humble word meaning coefficient of correlation analysis is conducted to narrate the kindred amid selection decision and service quality. The result of Pearson correlativity trys showed that there is a strong noteworthy family descent (0. 789) among these two variables. The one-tailed consequence suffervassing is p 0. 000 demonstrate that the import of the test is not by chance, and thus can be confidently accredited or trusted, indeed wane the zero theory. r(200) = 0. 78 9, p 0. 0001, one-tailed 33 adoption Of Islamic take on bribe eagerness A reference field of operation among lag In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 correlations think Of skill mingy Of qualification Pearson coefficient of correlation Sig. (1-tailed) N Pearson correlational statistics Sig. (1-tailed) N 1 200 . 724** . 000 200 sozzled Of sufferance . 724** . 000 200 1 200 repute Of borrowing **. correlation is epochal at the 0. 01 level (1-tailed). knock back 4. 3. 3 Pearson correlational statistics Coefficient mingled with signify might and besotted betrothal correlativity analysis is conducted to test the blood surrounded by capacity and acceptance. The result of Pearson correlativity tests showed that there is a strong evidentiary kindred (0. 24) betwixt these two variables. The one-tailed importee test is p=0. 000 demonstrate that the subject of the test is not by chance, and consequently can be confidently evaluate or tr usted, thus pooh-pooh the void hypothesis. r(200) = 0. 724, p0. 0001, one-tailed 34 acceptation Of Islamic take in barter for quickness A look lead among cater In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 correlational statisticss retrieve Of cognizance Pearson 1 correlational statistics beggarly Of Sig. (1-tailed) knowingness N 200 Pearson . 837** correlational statistics inculpate Of Sig. (1-tailed) . 000 bridal N 200 **. coefficient of correlation is large at the 0. 01 level (1-tailed). recollect Of sufferance . 837** . 000 200 1 200 sidestep 4. 3. Pearson correlativity Coefficient among crocked consciousness and inculpate acceptation Correlation analysis is conducted to test the human kindred surrounded by awareness and acceptance. The result of Pearson Correlation tests showed that there is a very strong remarkable race (0. 837) surrounded by these two variables. The one-tailed consequence test is p=0. 000 viewing that the conseque nce of the test is not by chance, and therefrom can be confidently trustworthy or trusted, therefore do away with the abortive hypothesis. r(200) = 0. 837 , p0. 0001, one-tailed 35 bankers acceptance Of Islamic ingest bargain for speediness A mooring playing area among supply In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 4. 4 REGRESSION digest regress is other technique for measure the analogue association mingled with helpless and autonomous variables.It become as a later(prenominal) after the correlation coefficient measure. Although regression and correlation are closely related, regression assumes the certified variable is predicatively coupled to the mugwump variable. The result of the fixing analysis were shown as below. card 4. 4. 1 Regressions pretending thick impersonate wedlockmaryb R meaning(a) set R even up . 753 . 750 lesson 1 R . 868a Std. geological fault of the evaluate . 421 a. Predictors (Constant), repute Of Awareness, correspond Of Competency, regard as Of detection b. hooked variant crocked Of concurance 4. 4. 2 analysis of variance analysis of variancea representative Regression eternal rest Total Sum of jogs 106. 215 34. 781 140. 996 df 3 196 199 dream up Square 35. 405 . 177 F 199. 518 Sig. .000b 1 a. certified unsettled stringent Of readance b. Predictors (Constant), crocked Of Awareness, stiff Of Competency, symbolise Of recognition 36 bankers acceptance Of Islamic engross acquire set A illustration field of operation among cater In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 give in 4. 4. 3 Coefficient Coefficientsa Unstandardized exchangeable Coefficients Coefficients B Std. important Error . 161 . 162 . 229 . 218 . 496 clay sculpture t Sig. Collinearity Statistics security deposit VIF (Constant) recollect Of . 251 . 072 Perception 1 Mean Of . 229 . 055 Competency Mean Of . 522 . 069 Awareness a. Dependent versatile Mean Of bankers acceptance .997 3. 502 4. 195 7. 535 .320 . 001 . 000 . 000 . 294 . 466 . 291 3. 406 2. receipts 3. 437Regression analysis were active to test the govern of three important variable of interest that is to say perception, competency and awareness. The r-square statistics in the deterrent example of summary is 0. 753 or 75. 3%. This implies that 75. 3% of the sportswoman or changes in the pendant variable i. e. acceptance of Islamic hire purchase facility can be attributed to the three freelancer variables so far the remain 24. 7% is not know and need but investigation. The entailment level produced by the ANOVA table showed that the p value is less than 0. 05 implying that the fashion model is valid and the result of the kind is not by chance. thusly we wane the nought hypothesis.Finally, researcher found that the three nonparasitic variables, perception, competency and awareness have provided liberal evidence to influence the acceptance of Islamic hire purchase facility. 37 brida l Of Islamic withdraw bargain for adeptness A display case chew over among round In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 4. 5 hypothesis exam peanut = Accept vapid possible action (Ho) / cull pass over possible action (H1) authoritative = Accept counterchange system (H1) / extinguish invalid opening (Ho) P 0. 05 P 0. 05 After make several analyses to all variables for this study, all hypotheses should be discussed to determine its relevancy and whether it is support or not. For this study, Pearson Correlation psychoanalysis was used to judge the human alliance surrounded by autonomous and helpless variable. dead reckoning 1 (Perception) Ho in that respect is no monumental consanguinity amid acceptance of Islamic hire purchase facility among ply in Jabatan Pelajaran Negeri Kelantan and perception. H1 at that place is remarkable kinship amongst acceptance of Islamic hire purchase facility among round in Jabatan Pelajaran Negeri Kela ntan and perception. The result from Pearson correlation shows perception importantly has verifying match to acceptance at the human affinity (r =0. 789). Thus, portentous family exists and the H1 accept and get rid of the H0. Hypothesis 2 (Competency) Ho thither is no strong family between acceptance of Islamic hire purchase acility among faculty in Jabatan Pelajaran Negeri Kelantan and competency. H1 thither is noteworthy relationship between acceptance of Islamic hire purchase facility among staff in Jabatan Pelajaran Negeri Kelantan and competency. The result from Pearson correlation shows competency importantly has positive correlative to acceptance of Islamic hire purchase facility at the relationship (r =0. 724). Thus, momentous relationship exists and the H1 real and close out the H0. 38 Acceptance Of Islamic lead leverage induction A carapace mull over among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 Hypothesis 3 (Awareness) Ho There is no pregnant relationship between acceptance of Islamic hire purchase acility among staff in Jabatan Pelajaran Negeri Kelantan and awareness. H1 There is noteworthy relationship between acceptance of Islamic hire purchase facility among staff in Jabatan Pelajaran Negeri Kelantan and awareness. The result from Pearson correlation shows awareness importantly has positive correlated to acceptance of Islamic hire purchase facility at the relationship (r =0. 837). Thus, probatory relationship exists and the H1 trustworthy and stand firm the H0. 39 Acceptance Of Islamic adopt bargain for speediness A bailiwick field of study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 CHAPTER louver remainder AND passport 5. 0 INTRODUCTIONThis chapter discusses the major findings of this study and to identify whether the finding met with the result conducted. at any rate that, the researcher also gives some suggestions and ideas from the result. 5. 1 culture In this res earch, hypothesis was initially tried by using the correlation coefficient to determine its meaning(a) level. From the analysis, the results indicated that all the three nonsymbiotic variables in the hypotheses were found to be significant at the 0. 01 level of significant at the (1 tailed). In order to validate the hypotheses, the multiple regression analysis was pass on analyzed. The R-square (R2) value of the model indicates 75. 3% of the variations explained the all unaffiliated variable whereas the remain 24. % cannot be explained and ask advertize exploration in legal injury of other concepts which were not include in the study. As a conclusion, all the separate variables have relationship based on the correlation analysis. Awareness was the most factors epitope acceptance of Islamic hire purchase facility among staff in Jabatan Pelajaran Negeri Kelantan followed by perception and competency. 40 Acceptance Of Islamic assume bargain for quickness A lawsuit Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 5. 2 RECOMMENDATIONS Based on the findings result, the researcher has provided some of the recommendations for this study in order to overcome the problem faced.First of all, this research was successfully done to know the relationships between those independents and dependent variable. Perception result Islamic use up procure facility (AITAB) information. discipline about Islamic demand buy facility should be easy to find by everybody because majority workers can try to buy a car. Thus, information should be comfortably attack by consumer in order to get a travel by view about Islamic hire purchase facility. For example, Bank Negera Malaysia through website, information about Islamic call Purchase facility can be downloaded by anyone. Competency prep the staff Customer is