A model of qardhul hassan for university staff in Malaysia

Hanudin Amin and Faizah Panggi (2025) A model of qardhul hassan for university staff in Malaysia. Management & Sustainability: An Arab Review (0033). pp. 1-19.

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Abstract

This study investigated drivers that explain qardhul hassan financing acceptance in Malaysia involving staff of two universities namely A in East Malaysia and B in West Malaysia. Design/methodology/approach – The attitude-social influence-self-efficacy (ASE) model was tested to examine 422 respondents’ acceptance using SPSS 27. Findings – The study confirmed the significance of all tested hypotheses, with attitude playing a key mediating role. Further, this study uncovered significant results of relative advantage and Islamic debt collection policy, offering novel contributions to this discipline. Research limitations/implications – The generalization of the findings generated was limited to the context concerned and the limited variables tested. Practical implications – The results offer a directive for universities to offer qardhul hassan in the future to attract demand and acceptance. Originality/value – This study introduced a modified ASE called the QH-ASE framework to analyze its adoption, adaptability and impact on qardhul hassan financing usefulness.

Item Type:	Article
Keyword:	Qardhul hassan, Islamic social finance, social development, University, Malaysia
Subjects:	B Philosophy. Psychology. Religion > BP Islam. Bahaism. Theosophy, etc > BP1-610 Islam. Bahai Faith. Theosophy, etc. > BP1-253 Islam > BP173.25-173.45 Islamic sociology H Social Sciences > HN Social history and conditions. Social problems. Social reform > HN1-995 Social history and conditions. Social problems. Social reform > HN50-995 By region or country
Department:	FACULTY > Labuan Faculty of International Finance
Depositing User:	JUNAINE JASNI -
Date Deposited:	03 Sep 2025 10:29
Last Modified:	03 Sep 2025 10:29
URI:	https://eprints.ums.edu.my/id/eprint/45111

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