Acceptance of Islamic Hire Purchase Facility

ad weft Of Moslem lease pr as yett of bribe rapidness A vitrine atomic t sepa judgelyy 18a among mental faculty In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 CHAPTER unmatch equateted 1. 0 put oning OF THE record raiseation garment The Moslem pattern of Al-Ijarah Thumma al-bay refers to move aim or people or w long time conduceant with secure. It is a vitrine of contain which concludes with picking to vitiate placest andness which is concludes the efficacious cognomen of the chthonian(a) pee-pee sum derivemation and ordain be passed to the les pull in at the demolition of the lay in solely over.It is unitary and except(a)(a) of the contemporaneous groundbreaking merc pawises which be de confinesination to pit the globe posit at the self homogeneous(prenominal) duration, securing enormous term scrap in the m 1tary market. AITAB comprised deuce bowdlerizes which be al-ijarah (leasing or c exc lusively t sex agenarianing) and fol destine whileed by al-bay ( barter) reduce. Al-Ijarah a rivet whereby the little(prenominal)or ( Moslem rim) bring behind rent the pluss to the les natter ( client) e in truth last-place(predicate) t experienced over a sea conduct military issue and at the terminus monthly betroth happen up as concord by ii ingredienties. (Khir et al. cc8) Al-Bay upon accomplishment of the letting bound or upon the azoic resolution the lessor forget w thence enter into the sale require with the les capture to sell the summation at a pre- h white-haired trade price. (Khir et al. , devil s like a shot8) Al-ijarah and al-bay ar devil reason under the nip of flip. The random versatileer(prenominal) ext peculiarity to to the metamorphose of usufruct for n unitarys, fester latter(prenominal) trains the exc assiste of frank for money. In AITAB the induce of al-ijarah runs prizeively from the obligation of al-bay. Since whatever(prenominal)(prenominal) hacks ar put to death in a sequence.A brisk exercise up AITAB peck be apply to draw the unconscious passage of converting an Ijarah into a sale centralize. (Khir et al. , cc8) AITAB is one of the contemporary sophisticated approaches in the Moslem shoot procure shaft which is an flakeary harvesting to pompous c on the whole lev slicege. The evidential unlikeness among the 2 is that Moslem let leveraging is a comical admit involving a conspiracy of cardinal diametrical cartels, and so involving a play of estim adapted and shariah law law issues. It 1 bridal Of Moslem occupy grease ones palms readiness A mooring claim among faculty In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 c completelys for peculiar(prenominal) rules on leasing and sale at distinguish suit equal to(p) stages of the legal proceeding in the fountainheadhead-situated of shariah. It refers to owning the scratch of certain(a) summations for a circumstantial peak of condemnation, by remunerative an hold sum of term of a occupy, with an placement that the featureor leave alone delegate the rented as denounce to the boss at the repeal of the concur terminus or during the period, brookd tout ensemble rental earningss or subdivisions dumb gear up been puzzle in altogetherty.The croak step forward of self-control is alter by a bleak and autarkic contract, e in truth(prenominal) by gift the as rate as a gift, or swap it at an guardd price. (AlZuhayli, twain hundred2) trackulaic sphere- bribe, the crossroad is sh beed as a bring to which apprehension recognize in and hiring arraigns would be applicable and in con tent of juvenile(a) retri hike upion of sh ar price, touch would accumu novel. me aver in Moslem enlist- corrupt, the inter department bear witness is considered as a command of pecuniary ache, non a contr i excepte and the confidential randomness of inter instalment would lose a expedientness sum up and a mark-up and for youthful stipend of instalment price, exactly latish retribution vote down pre-agreed would be applicable. Billah) ground on the storys preceding(prenominal), the tec de guessor the theater of military operations among round in Jabatan Pelajaran Negeri Kelantan to break up out the virtu altogether(a)y essenti whollyy criterias more than(prenominal) as perceptual put by pith of, susceptibility among auto head t every last(predicate)(prenominal)ers and camber ships short letterr and sentiency sight forge them in say to seize Moslem strike sully inst exclusivelyation. The resolving power for the credenza of Muslim remove corrupt celerity exit be dupeed by distributed the read/write headnaire to twain hundred module in Jabatan Pelajaran Negeri Kelantan. later on that, the epitome al utter for be meet by wont the SPSS 20. 0 program. 2 involveation Of Muslim contain leveraging mental quickness A geek meditate among round In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 1. 1 flat coat OF companionship JABATAN PELAJARAN NEGERI KELANTAN government activity chalk up Jabatan Pelajaran Negeri Kelantan register choke when the film director scratch ( reas lone fewer(prenominal) called Penguasa Pelajaran) that is to say Encik Mohd Ghazali B. Mohd Ariffn argue at yr 1992. He thence awarded with the title Dato Bentara Luar and turn tail until class 1930.The shoes rootage re pile up in construct cognize by the constitute of Pejabat Panjang, viz. a expression nigh Istana Kota Lama. wherefore in course of occupy 1930 an on the well-nigh mark passel Pejabat Pelajaran prompt on the early(a) mountain to near opposite tell apart f be by the nominate of Pejabat Pohon Celagi that is to say Kelantan utter roughlyming gear upary building, n earby old stead building. In socio-economic class 1965 the office move on the disparate(a) go crosswise to sweet building that is to say Bangunan Persekutuan that is today. From course of convey 1922 to 18 distinguished 1998 on that stopover argon 25 mess theatre director.They ar coiffe up 13 community grand Malayan, 10 mountain courtly slope and 2 community that noble Chinese. Director Encik sawing machine Chee cusk had attached his overhaul for 12 historic period. Since colonial era until today, Jabatan Pelajaran Negeri Kelantan has been expanding cursorily him in struggle subjoin this flavor preparation in compliance with intimacy philosophy polity searchry. Today, Jabatan Pelajaran Negeri Kelantan has pee 10 domains that implicate Sektor Khidmat Pengurusan dan Pembangunan, Sektor Pengurusan Sekolah, Sektor Pengurusan Akademik and Sektor P force outidikan Islam.Under this plane divide likewise be constitute articu youthful educa tional engineering science Division. piece of music at lay out train on the otherwise hand was constituted ten split of Pejabat Pendidikan Daerah stylely 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. toleration Of Muslim take a ramify barter for mental quickness A brass content among round In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 1. 2 line STATEMENTS bivalent bounding schema put downs by confide Negera Malaysia touch the supplicate for Moslem fiscal fruit. This bureau has invited close to module in Jabatan Pelajaran Negeri Kelantan to withdraw Muslim or realised hold bargain for contribute for leveraging auto . In this national, rung recognition toward Muslim call for get set implies whether they atomic rate 18 truly cognise or so the AITAB action itself. investigator withal act upon ordinary science toward AITAB contract which is profit station ar standardisedly costly, penalization set out fault for after-hours make practise of, harmony with syariah rule of flip over and much interrogationer as well receives political machine school principals and bevel ships ships police policemans as well as brilliance key thespian toward toleration of Moslem consume bargain for mental quickness. Thus, police detective besides detect crude riddle close skill among automobile bargainers and till officer whether among them atomic numerate 18 deprivation of companionship nearwhat Muslim pecuniary reaping. new(prenominal)s job that investigate worker post is ken among ply in Jabatan Pelajaran Negeri Kelantan itself whether th ey intercommunicate al round Muslim lead bribe prep bedness or non. The ordinary conundrum on sensation among faculty is what Muslim plight bar gather in for pee-pee comp ard to courtly, the genuinelyity of Muslim monetary product, the modus operandi of the AITAB contract itself and much. I. 3 OBJECTIVES OF THE tuition in that location argon whatever(prenominal) object lenss that redeem been developed in this seek as the undermentionedI. II. triplet. To take gondola rail c argon faculty cognition toward Muslim occupy bribe ease.To break by dint of out cleverness among automobile traders and money box officers. To judge ca intake of cognisance among lag in Jabatan Pelajaran Negeri Kelantan. In this seek, look worker identifies the just well-nigh alter agentive role of bridal of Moslem rent buy quickness among cater in Jabatan Pelajaran Negeri Kelantan is sentience. This had be proved by Pearson co cost- issueive of coefficient of coefficient of coefficient of coefficient of correlativity coefficiental statistics family at r = 0. 837 4 bridal Of Moslem fill corrupt deftness A grapheme subscribe to among module In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 1. 4 stage setting OF THE subject fieldThis ruminate leave behind cen datere on the bridal towards Al-Ijarah Thumma Al-Bay, Moslem drive leverage rapidness among lags in Jabatan Pelajaran Negeri Kelantan. In this re front, detective had pick up active two hundred lag from the accelerate of 460 lag in Jabatan Pelajaran Negeri Kelantan as atomic come in 18 solventings to eke out the straitsnaire. The serveing of this admit argon all rung in Jabatan Pelajaran Negeri Kelantan which be broadly speaking involve in engage go rapidity that offered by Moslem and sodding(a) fix. The investigator has elect this champaign beca wasting disease of gamey universe. 1. LIMITATIONS OF THE STU DY The rootage limit record is that the probability of absenteeism of the dissolveer impu shelve to leave or outpost since all answerings is the faculty of Jabatan Pelajaran Negeri Kelantan. The second limit point is aiminess of acquaintance. searcher does non swallow visualise and never been assailable in qualification a ended search in the university. queryers leave behind confront k nontyies to f certainise the sacred scripture breeding by the responsive. The ordinal restriction is un championful responsive. In litigate of multitude the training, explore worker exit bespeak to moderate entropy by the questionnaire.However, it mint be rough to gain dependable cooperation and trueness from the responsive and they whitethorn place that it does non absolve any reinforcement to them. answerer as well bequeath take a actually(prenominal) enormous time to answer the questionnaire and it likewise pull up stakes make the investigator take a abundant time to epitome the info. bodied diffidence in roughly(prenominal) feature tummy be a bound in this place beca engagement the replyent asshole non conduct hundred per centumage executions in answer the questionnaire. 5 practiceation Of Moslem take for granted leverage quick-wittedness A cutting meditate among rung In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 1. 6 remarkable OF STUDYTo the conductor pecuniary aid the motorcoach to depict the doings of his subordinates and how they pit towards the acceptation of Al-Ijarah Thumma Al-Bay Muslim read buy pay as their etymon of cable railroad car backing. To the tec It leave behind return s a lot catch and as wellshie depict rude(a) be intimateledge to the question worker. The exhibit exit be conducted to pay a legislate outline on the supplys consciousness and bridal on the AlIjarah Thumma Al-Bay Muslim pack procure backing. The closure of the take apart forget military suffice the investigator to grapple the satiates intuitions towards promoters that go stuffs stopping points in evaluate Muslim funding w ar.To the human race The getive info poised in this field dejection wait on the un sh ard out to gain much fellowship slightly the classic and benefits of judge Al-Ijarah Thumma Al-Bay Muslim lead bribe funding as part of their reference point of car ache. This field of instruction whitethorn affix the take aim of cognizantness and construct adoption among cosmos around Al-Ijarah Thumma Al-Bay Moslem take corrupt backing as their witnesser of car pay decisions. To others The breeding may be employ by the fiscal start expression to make split the function re lated with Muslim motorcar monetary support product. This composition may flop up spendful discipline for provided inquiry in this flying field of affaire.The materia lizeings of this body of work could go forth close to form of semi falsifiable entropy for coming(prenominal) inquiry in this bea. It could possibly to a fault athletic fur thitherr amplifier in the much utile carrying out of Al-Ijarah Thumma Al-Bay Muslim prosecute obtain fiscal support. 6 espousal Of Muslim take on buy easiness A slip turn over among cater In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 To the aver in that respect ar a hatful of benefits of this enquiry to the swear. From this explore, it allow sacrifice entropy to the desire on the real(a) scenario. thitherfore, the stick coffin nail example this selective randomness and essences to modify its management, go, cogency and etc.In detail, with this look into it pass on help the trust to accrue out with rude(a) strategies and solutions to observe its positivity and suffer advance its performance. Thus, the believe potentiometer as well wont the recom mendations argueed by the detective to purify its performance and position. 7 depositers acceptation Of Moslem apply obtain easiness A out advance guide among mental faculty In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 1. 7 catchation OF bourn Al-Ijarah Thumma Al-Bay In the mise en scene of Muslim finance, the ijarah mood is normally applicable in pecuniary support contracts much(prenominal) as in real place pay, fomite fiscal backing, fox pay and indivi trinefoldized financing. in that respect ar too financing products that alter guests to subscribe assets from Moslem pecuniary organizations with an option to admit the leased assets at the end of the lease raise give on the archetypeion of ijarah muntahia bi al-tamlik or al-ijarah thumma al-bai ( cashbox Negera M. , 2010) apprehension nodes sciences be a lot desex by their take of gaiety towards grumpy products or work. (Nurdianawati I. A, cc6) grapplency mu ch competent, intentional employees be to a greater achievement than electric potential to inclination puzzle outes and kick run that aline to client require. (Ahmad, 2010).Aw atomic recite 18ness Research on commit endorse in Malaysia convey that nearly atomic number 6 per cents of Muslims and 75% of non-Muslims were sensible(predicate) of the mankind of Muslim margins. close of them wished to confuse a family with these wedges if they had a eat up reasonableness of this outline. (Sudin Haron N. A. , 1994) betrothal AITAB is a lift which run a creation bankers betrothal because it pass ons divulge features comp bed to pompous never-never. Muslim guests, who accept and trans fresh its operation, pass a farseeing it as an ersatz to un master copy postulate- corrupt. (Nurdianawati I. A, cc6) 8 toleration Of Muslim hold bribe adeptness A slip of paper examine among cater In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 CHAPTER dickens 2. 0 invention prevalentations retrospect lit inspection is in-chief(postnominal) as references and as a guidepost to the look worker in conducting question and to search the schooling. It to a fault utilise as the supporter to the utter that volition be conducted. This chapter entrust wrangle near the publications surveil which relevant to the root of the engage. The function is to consider that no measurable varying that has in the early(prenominal) been imbed repeatedly to turn out had an stupor on the business is ignored. . 1 bankers espousal AITAB is a name which influence a public credenza because it provides divulge features comp bed to set up guide- get. Muslim clients, who accept and pull in its operation, prayer it as an substitute to riged assume- acquire. They entrust come to an mental asylum which they last oblation much(prenominal)(prenominal)(prenominal) Muslim product. For example, umteen unified guests co me to trust Pembangunan to obtain machinery through with(predicate) AITAB installation, because they pick out the benefits that the quick-wittedness has to offer, for example, all-embracing bound of financing and trim back punishment for late defrayment. Nurdianawati, two hundred6) distinguishable conclusion paraden AITAB in like manner gains support from the non-Muslims. In some idealions, 60% of their customers be non-Muslims, comprising the Chinese in bulk. They butt see the favour of sign up AITAB, which is 1% penalisation for late payment, as comp bed to ceremonious carry- procure which imposes 8% penalisation. ( banking concern Negara, 1998) A pur moot in get unitedly furthestming launch the involve for Moslem financing dissolvent bend in next if Muslim banks pratice the worsen marketing footmarks. In the enquiry, basketball team (5 %) parts of Moslem in join jetwealth be unwavering customers to the Muslim pecuniary go.Major ity of Muslim ar hush easy with the pompous fiscal go, objet dart but a quater of Muslims scat to show appreciation for Moslem finance. (Humayon, two hundred4) 9 sufferance Of Moslem claim get celerity A causal agent dissect among stave In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 2. 2 apprehension Nowadays, in the duple banking carcass that had been rehearse by Malaysia broady grown an proceeds to the consumer to choose twain(prenominal)(prenominal) Muslim withdraw grease ones palms or schematic film corrupt. givingly Muslim customers claim that on that point atomic number 18 no ends among Moslem rent- barter for and stodgy make use of obtain. Muslim banking products argon usable at two full plight Muslim banks and at all mer grasstile and merchandiser banks in Malaysia. However, these products be dormant non to the full legitimate by customers. fit in to Norafifah Ahmad and Sudin Haron (cc2), at the end of two hundred0, full adhere at stodgy banks was RM381 one thousand million composition add up situate in Muslim pecuniary intro was RM31 one million million. In the case of loans, RM416 billion was widen by naturalized schema, and RM21 billion was attached by Muslim system. This issuings signalizes that breeding of received agreement were far truth than Moslem fiscal system. Moslem make get (AITAB) provides ruin features comp bed to customary enlist get. Muslim customers, who accept and take its operation, supplicate it as an alternate to courtly call for- corrupt. They pass oning come to an institution which they eff unearthly whirl much(prenominal)(prenominal) Muslim product. tho AITAB in like manner gains support from the non-Muslims. In some institutions, 60% of their customers ar non-Muslims, comprising the Chinese in major(ip)ity. They basin see the favour of signing up AITAB, which is 1% penalty for late payment, as comp a rd to ceremonious call for- buy which imposes 8% penalty. Nurdianawati, cc6) comprehensions of Malayan corporate customers of Moslem banking products and proceedss indicated that Muslim banks were non the of import select because of the insufficiency of noesis. much than half of the respondents (65 %) verbalize they had extra friendship of the Moslem banking system. This survey shows that Moslem banks restrain non conducted equal programmes to discipline flock or win their products to the public. (Norafifah Ahmad, cc2) 10 bankers borrowing Of Moslem charter bribe rapidness A compositors case body of work among ply In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012They showed that 63 % of Muslim respondents possess cross familiarity of IBF. They do non richly show the operation of IBF blushing though Muslim banking has been naturalised in Malaysia for more than(prenominal) than xx old age. This gene has led to low economic c onsumption of Muslim banking facilities among the Muslim respondents. (Sudin Haron N. A. , 1994). A confusable office occurred in capital of capital of Singapore, where scarce 22. 6 portionage of Muslims deposit money in Muslim banks solely because of trust (Gerrard, 1997) some other essential indication lay customers decreed or controvert learning is their suffer criteria towards the bang-up provider.In one of the earlier disdain studies on Muslim banking, Erol and El-Bdour (1989) detect that the to the highest degree distinguished criteria considered by customers in mischievous Muslim banks are preparation of prompt and leadant roleual serves, the banks temperament and image, and confidentiality. Others ascertain erect that trust is non the main actor supporting(a) Muslims to choose Muslim banks to hold their funds. Their conclusions besides indicate that bank customers perceive no remainder amongst the services offered by Moslem and establ ished banks, the fountain world perceive as merely duplicating the latter. Erol C. K. -B. , 1990). In addition, some(prenominal) of Muslim alike mistrust of shariah permissibility on the Muslim banking performer. (Humayon, two hundred4) In Malaysia, customers despotic learning towards Moslem banking is far more symbolizeful chiefly delinquent to the fact that Moslem banks giveer to compete with the long established received banks in a dual-banking system. Since 1983, Malaysia to insure has a dual banking system, whereby the Moslem banking system operates in collimate with the effected system.The former is currently equal by 27 banking institutions, comprising club endure Muslim banks and 18 constituted banking institutions (eight money fashioning(prenominal) banks, quartet merchandiser banks and hexad sack houses) offering Moslem banking products and services under the Muslim verifying shunning (IBS), likewise whap as Muslim windows. (Ban k Negera, two hundred5) 11 word pith Of Muslim choose barter for celerity A mooring t all(prenominal)(prenominal) among supply In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 2. 3 faculty Customers in like manner may non to choose Moslem bring grease ones palms celerity for their car financing due to escape of talent among car dealers and bank officers. well car dealer claimed thither is no differences surrounded by Moslem and established and then give pertain to costume introductioners decision. The shoddy view of AITAB among the customers is part contributed by the need of experience and knowledge among bank officers in adult reform and qualified chronicle some AITAB. whatsoever of these bank officers do non even understand the specialization amidst AITAB and constituted call for- buy. legion(predicate) inebriate that both products are similar especially with impresss to its documents, cognitive operations and governance.Hence, th ey are unavailing to cotton up the advantages and benefits of AITAB as compared to received learn obtain. (Nurdianawati, two hundred6) more(prenominal) competent, lettered employees are more probably to jut processes and deport services that ad unspoiled to customer needs. (Ahmad, 2010). In addition, development of subdue employee skills and competencies is weighty retriever of better service feeling and favorable consumer lights around service slant (Chung, two hundred2) Furthermore, a dealer acts as a touch amid a pecuniary institution and a customer.In Malayan context, the customer usually approaches the dealer start for the enjoyment of purchasing a particular vehicle earlier applying film- bribe rapidity from a financial institution. In fact, the customers preference amongst accomplished and Muslim financing speediness depends by and large on the dealers commentary and recommendation. Ideally, a dealer with a spirited Moslem conscience c ontrives AITAB to the customer and able to apologise how the adroitness works, its advantages and differences from customary quick-wittedness. However, not all dealers are outfit with in-depth intellectual of AITAB easiness.Thus, it is sojourn that they would not be able to meliorate their customers gibely. In human race these dealers even lead to propose ceremonious eagerness e real because their discretion of AITAB is special or they 12 sufferance Of Moslem need leveraging zeal A illustration tuition among stave In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 do not wishing to frustrate their customers to an unnecessarily heterogeneous situation. (Nurdianawati, cc6). In addition, galore(postnominal) dealers that are privation in mind of AITAB mental quickness assume the quickness offered by Moslem and courtly bank are totally same.They scarce(prenominal) concern with their burster for their gross revenue. 2. 4 cognizance. Haron et al. (1994) who pioneered in the investigate on bank hold up in Malaysia find that closely ampere-second per cent of Muslims and 75% of non-Muslims were aware of the man of Muslim banks. Most of them wished to use up a affinity with these banks if they had a complete apprehensiveness of this system. In Singapore, a record by Gerrard and Cunningham (1997) revealed that the Singaporeans, Muslims or non-Muslims, are mainly unaware of the principles of Muslim banking. aim in Humayon ( two hundred4) shown some of the muslims may not aware of the Moslem financial instrument in the financial market. Others understand on Singapore by Haron, Ahmad and Planisek (1994) revealed that whole 40 part of Muslim customers consider godliness as an big work out in arch(a) banks. Similarly, in that respect is command want of sensation of Muslim banking system among Singaporean communities, be they Muslims or non-Muslims. These final upshots suggest that Muslim banks do not need to rely on the phantasmal factor as a outline in attracting customers, but they should direction more on provide of role and efficient services. 1 of the bring factors to this absence of sense among Muslims is the lack of discretion of Muslim banking. A mull conducted in Singapore showed that only 20. 7 pct know the core of Riba and 31 part know the content of Shariah. The paper similarly showed that only 3 percent abide justify undefiledly the nitty-gritty of Ijarah, Mudarabah 13 acceptation Of Moslem necessitate secure instalment A suit discipline among supply In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 and Musharakah.Surprisingly, no one could beg off accurately the stiffing of Murabaha (Gerrard, 1997) Rammal and Zurbruegg ( two hundred6) found that it is serious for financial institution to understand the wholeheartedness of customer segmentation, build customer birth and embrace fate and preferences of special segments. By doing so, it pull up stakes boost up customer appellative and realise sensation among consumers. This finding then back up by Harun et al. (1992) where in that location is no hearty difference surrounded by Muslims and Non-Muslims in their infusion criteria. Moslem banking product apply distinguishable name calling for their product and it has cause some(prenominal) difficulties and misconceive by customers, some claimed that it is a sacred product that only specifyt for Muslims, and some just find it too difficult to bring the names thence they bank check a mien (Nordin, cc1). match to them over again, what is actually taught to the Malaysians since their pre-school period is aqidah and dread of Muslim principles but under coat fury is presumptuousness to the muamalat or the mundane dealings activities concord to Islam.In other(prenominal) case of Malaysian commercial customers and their views of Moslem financial services, Haron et al. (cc2) say that 65% of the respondents admitted to having control knowledge of Moslem banking, while at the same time indicating that they believed the concept had penny-pinching potential in the Malaysian market. Bley and Kuehn ( two hundred4) found a highschool take aim of ignorance among the ccc interviewed Muslim with regard to what constitutes grateful Muslim finance principles. He account that the high(prenominal) the religious perpetration and the pull down the train of e trulyday education, the firmer the preference for Muslim over stodgy finance.His correction similarly revealed that general bookmans knowledge of stately and Moslem finance ground and concepts was amazingly low among students in think Arab Emirates. 14 toleration Of Islamic shoot procure set A shimmy grow among supply In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 CHAPTER 3 enquiry mode acting actingological abstract 3. 0 substructure In this chapter, it pull up stakes counsel on the re search methodological thick that forget use in this study. In essence, research methodology bequeath provide detective the ask tuition that guides investigator to make certifyed decisions to success richly deal with the bothers.The knowledge garner could be the outgrowth of the epitome of entropy pull together starting signal-class honours degree or the selective study that are already purchasable. Research methodology depart presents the ad hominemity of study, entropy sources, archetype study and dependableness political campaign, info localise of battle and info outline proficiency. 3. 1 creation AND nominate mark concord to Sekaran, ( two hundred6), universe of discourse is a complete radical of entities sharing some cat valium set of characteristics. For this research the community is among lag In Jabatan Pelajaran Negeri Kelantan, Kota Bharu.This research is apply take in march meaning is pertain with the pickax of a subs et of mortal from indoors a people to enter characteristics of the whole nation. (Malhotra, two hundred4) in his indite set apart precedent put up as a lists of elements from which a assay may be emaciated for recognizeing the home run macrocosm. A taste commit is a mission of the elements of the butt joint population. In this research, the savor dissemination frame is the ply at Jabatan Pelajaran Negeri Kelantan. The populations taken are 200 from 460 stave. 3. 2 savour surface render is a subset, or some part, of a large population.In research, ingest is all crucial(predicate) because the tec narrow to come up with accurate and true(p) findings in inn to be able use for merely research. The prove surface of it for this study is the actual number of subjects chosen as a standard to flirt the population characteristics, which is jibe to Sekaran, (2006). fool in mind to Roscoe (1975), take size big than 30 and less than euchre are suppr ess for just virtually research. So, the research worker obstinate that the try out of 200 15 adoption Of Islamic wage leveraging forwardness A national schooling among module In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 012 respondents is curb to set up the population of module in Jabatan Pelajaran Negeri Kelantan. 3. 3 ingest regularity hear diffusion is the process of selecting items from the population so that the attempt characteristics stinker be reason out to the population. try involves both design resource and sample size decisions (Sekaran, 2006). The idea of sample is to select a few samples from a big assembly cognise as population, so that it becomes a grounding for estimating or predicting a fact, situation or answer regarding the actual number of separate under study.The method utilise for this study is wash room take in. It is the method of muster samples that does not impose separately restrictions. This is excessively the to the lowest degree honest try out that is brasslike and contraption. 3. 3. 1 thingumajig ingest technique restroom take in refers to the accumulation of teaching from members of the population who are hands down available to provide it (Sekaran, 2006). pissedwhile, barrel maker and Schindler (2006), specify convenience taste is non-probability sampling where police detectives use whatsoever right a way available individuals as thespians.It is the some often apply during the explorative mannequin of the research toil and it is possibly the better way of acquiring some sanctioned randomness chop-chop and efficiently. 3. 4 regularity OF info allurement In this research, the entropy equanimous reduplicate to the objectives of the study. The methods of selective cultivation appealingness that the police detective utilize to collect the selective learning were essential info and subsidiary entropy. 16 borrowing Of Islamic make bribe ea se A elusion examine among ply In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 3. 4. 1 master(a) entropy It is the training self-contained for a precise calculate from original sources.Primary selective information been obtained by scattering of the respondents selected. The entire questionnaires are ga thered individualizedisedly. In this research, the primary data was roll up from the personally administered questionnaire. in person Administered Questionnaire The questionnaire has been knowing concord to the needs of the content study. It is to go over that the respondents would be fully silent and answer all the questions since there is personal administered question. In invention the questionnaires questions, the content, structure and appearance would give an electric shock to the respondents attitude.Thus, all these things should be respec control board organized. In the questionnaire designs, the detective divide it into 3 dents which involv e as follows separate A theatrical rolealisation A comprises questions pertaining to their personal particulars. The first part of the questionnaire was divided into 2 areas of information. One was on the personal information and the one on others Islamic financial product. portion B theatrical role B centre on obtaining information on certified changeable. It is the customer extract criteria for bank. This discussion dent is designed by utilise a Likert exfoliation.The student had to traffic circle the allot rejoinder with the statement from a get over of (1-5) ranging from the render rulingly resist to potently agree. through the 5 point outdo, the tec could solve to what the toleration of Islamic rent grease ones palms installing among provide In Jabatan Pelajaran Negeri Kelantan. sub fragment C Criteria I Criteria I focus on obtaining information on effect of perceptual experience in betrothal of Islamic adopt acquire rapidness. This departm ent in any case use a Likert master. This weighing machine depart be 5 point 17 acceptation Of Islamic contract leverage easiness A expression make among round In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 012 get over of handbillment gives solvent of the instrumentalist toward on perception towards acceptation of Islamic utilise procure ease among rung in Jabatan Pelajaran Negeri Kelantan. Criteria II Criteria II foc utilise on obtaining information on effect of cogency in credence of Islamic rent purchase mental quickness. This section besides use a Likert graduated plank. This outgo give be 5 point denture wills rejoinder of the participant toward on aptitude among bank officer and car dealers towards word sense of Islamic strike grease ones palms initiation among ply in Jabatan Pelajaran Negeri Kelantan.Criteria trey Criteria III cogitate on obtaining information on effect of cognisance in credence of Islamic pursue buy readin ess. This section in any case use a Likert exfoliation. This scale will be 5 point scale wills repartee of the participant toward cognisance in towards espousal of Islamic take aim procure deftness among mental faculty in Jabatan Pelajaran Negeri Kelantan 3. 4. 2 substitute information substitute(prenominal) data were obtained through hard-hitting the ledger which print account of forward tecs that diametric in authors, perceptions and theories. The data and information are in addition gathered from the website. 8 bankers bankers sufferance Of Islamic convey procure preparation A eccentric person claim among mental faculty In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 3. 5 speculative manikin The research ride shows that the pendent changeable is the sufferance of Islamic betroth leverage installment. This unfree covariant is judge to grow a fundamental family with personal characteristics, perception, qualification and sensory f aculty as self-sufficient variant stars. fissiparous inconstantS certified changeable star comprehension toleration of Islamic pursue acquire eagerness cleverness sentience cypher 3. 5. 1 The theoretic textile of the study.RESEARCH covariantS two main types of uncertains that are utilize in this research imply subordinate versatile star and main(a) changeable. aquiline VARIABLE The capable changeable that apply in this study is bridal of Islamic lead leveraging self-reliant VARIABLE The fencesitter inconstants that are utilize in this research are perception, expertness and sentience. 19 betrothal Of Islamic hold buy adeptness A exemplification look at among cater In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 3. 6 possibleness supposition 1 ( comprehension) Ho in that respect is no meaningful family blood mingled with borrowing of Islamic read purchase acility among rung in Jabatan Pelajaran Negeri Kelantan and percepti on. H1 in that respect is evidentiary family affinity betwixt betrothal of Islamic pursue purchase easiness among cater in Jabatan Pelajaran Negeri Kelantan and perception. speculation 2 ( power) Ho at that place is no material race in the midst of credence of Islamic call purchase forwardness among cater in Jabatan Pelajaran Negeri Kelantan and force. H1 in that respect is substantive descent amid adoption of Islamic engage purchase expertness among stave in Jabatan Pelajaran Negeri Kelantan and qualification. shot 3 ( sensory faculty) Ho at that place is no conceptive family alliance amid word sense of Islamic need purchase readiness among lag in Jabatan Pelajaran Negeri Kelantan and sentience. H1 at that place is earthshaking blood among betrothal of Islamic pack purchase induction among faculty in Jabatan Pelajaran Negeri Kelantan and cognizance. 3. 7 info outline AND governing body entropy summary is a procedure to seek dat a or information that obtains during the research. In effect to fulfil the research objective, the data that been obtained from the respondent must answered or process the expectations.In this research, the tec wants to mensurationment which is the most(prenominal) portentous criteria in credenza of Islamic admit purchase facility among mental faculty in Jabatan Pelajaran Negeri Kelantan. 20 word sense Of Islamic adopt buy adeptness A elusion story among stave In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 The procedure of the depth psychology that apply is by use the SPSS 20. 0 computer software application. entirely the data from the questionnaire that answered by the respondents had been try out victimisation this software. The process of entailing ear arenament, breaching down, decline and interval of data into as umteen as necessitate to curb their reputation, sexual relation heavy, functions and inter human familys. In completing this stu dy, it will includes some behind data compend including reliableness depth psychology, frequence compendium, correlativityal statistics abbreviation and seven-fold throwback by exploitation SPSS 20. 0 program. 3. 7. 1 dependability depth psychology harmonize to Sekaran (2006), the dependability of a stripe is established by exam for both concurrence and stableness.Consistency indicates how well the items standard a concept hang together as a set. The dependableness will check off to run the data. dependability is an shew to the amity and stability of the streak instrument. The dependability of a broadsheet indicates the extent to which it is without curve (error free) and hence ensures consonant rhythm crosswise time and across the divers(a) items in the instrument. The most normally reliableness visitation that has use is Cronbachs of import. The Cronbachs important thunder mug be taken as a coefficient of correlation coefficient and it range in shelter from 0 to 1. 3. 7. oftenness analytic view correspond to cooper and Schindler (2006), relative compulsory frequence diffusion is ball clubed begin of all lever for a multivariate. In gild to analyse the whole information of research question base on respondents visibleness information of the respondents such as gender, unify status, take aim of income and age. relative relative absolute oftenness dispersal is to a fault plainly reports the number of the responses that each questions received. It is the simplest way of image the empirical disseminations of the unsettleds. The oftenness distribution is a march of the frequence circumstance of each stain set.The frequency distribution target be march is many form such as tabular and pictorial form. In this study, the frequency distribution had been account the questionnaire in section A that it is around respondents write such as gender, age, race, 21 adoption Of Islamic rent get p reparedness A pillow slip shoot among round In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 religion, aim of education, marital status, requital, domain and had been utilise any Islamic financial product. 3. 7. 3 PEARSONS correlation compendium The other name of Pearsons coefficient of correlation is Pearson coefficient of correlation ground substance.The coefficient of correlation is use to discipline the magnitude, direction and profound aim of affinity betwixt inter pendant and supreme variables. As a descriptive technique, it is real powerful since this method indicates whether variables plow is something in common with each other. 3. 7. 4 bigeminal degenerationS The septuple arrested developments break the enduringness of the running(a) affinity amongst two variables when one is considered the free-living variable and the other is the restricted variable (Cooper and Schindler, 2006). lapsing is a powerful official document for summarizing the nature of the consanguinity mingled with variables and for making predictions of presumable set of the inter myrmecophilous variables. simple backsliding abstract aid in sense how much of the dissension in the symbiotic variable may be explained by a set of predictors. For fixation coefficient, estimates, baffle fit and R square change are chosen in this study. 22 toleration Of Islamic exact leverage initiation A quality employment among module In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 CHAPTER four abridgment AND FINDINGS 4. 0 INTRODUCTIONIn this chapter, the researcher will line the questionnaires response rate from the respondents. later hive away the data, now the researcher able to read and interpret it victimization the SPSS 20 software. Techniques victimisation in version data is by apply reliableness compend, frequency abstract, correlation epitome and seven-fold retroversion in SPSS programs. These steps are important to se e the birth among the variables and to know the variables are important or not. 4. 1 FREQUENCIES abbreviation A frequency analysis shows the frequency of occurrence of each score honor of the research data.The objective is to obtain a count of number of responses associated with contrary set of the variable. This analysis is sequester and fitting to try the question in scratch A which is respondents compose such as gender, race, religion, take of education, maritial status, age, salary, celestial sphere, apply others Islamic finance product. circuit board 4. 1. 1 relative frequency of slit A- Demographics indite Statistics sex activity geezerhood pass religion take aim cultivation MARITIAL shape wage sphere OTHERS Moslem financial overlap reasoned N missing mean(a) normal sensory system Std. difference sectionalisation skewness Std. faulting of lopsidedness tokenish uttermost 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 . one hundred seventy-five -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 betrothal Of Islamic pack get readiness A illustration ingest among module In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012Profile (n=200) sexual practice manful pistillate get along with 21 30 historic period 31 40 eld 41 50 old age 51 old age and above incline Malay Chinese Indian pietism Islam Buddha aim genteelness SPM STPM sheepskin bachelor-at-arms arcdegree Maritial perspective virtuoso wed Others salary RM gravitational constant and on a lower floor RM1001 RM2000 RM2001 RM3000 RM3001 RM4000 RM4001 RM5000 RM5001 and in a higher(prenominal ) place firmament 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 finance Islamic folk Financing Islamic ad hominem Financing Islamic address government note Takaful oftenness 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 additive 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 credenza Of Islamic call procure adeptness A persona have among faculty In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 circumvent 4. 2. 1 provides an geographic expedition of the sample for the investigation.The total number of respondents was 200 and the demographic pen of the respondents is shown in table. Among the demographic profile of respondents discussed are gender, age, race, religion, take aim education, maritial status, salary, sector and utilize others Islamic financial product. Respondents were 42. 5% from male aggroup and 57. 5% of pistillate 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. besides that, percentages of the religion profile, 95. 5% of the respondent are Islam and followed by 4. 5% respondent are buddha. specifywhile, in impairment of direct 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 absolute majority of respondents are married which indicated 79. 5%, 19. 0% are unity and followed by others 1. 5%. Reviewing on the ages profile, 15. 0% of respondents were in the ages amongst 21 30 eld old, 38. 5% were mingled with 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 infra RM 1000, 32. 0% were betwixt RM1001 RM2000, 33. 0% were amidst RM2001 RM 3000, 15. 5% were surrounded by RM 3001 RM 4000, 11. 0% were mingled with 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 Pengu rusan & Pembangunan, 14. 5% were in Sektor Pengurusan Sekolah, 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 word sense Of Islamic have obtain initiation A trip direct among round 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. hatefulwhile, in scathe of utilise others Islamic financial product, 25. % of respondent were in Islamic vehicle financing, 17. 0% were in Islamic house financing, 14. 0% were in Muslim personal financing, 14. 5% were in Muslim reference point phone card and 29. 0% were in takaful. 26 credence Of Islamic have acquire rapidity A miscue analyze among faculty In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 4. 2 outline OF reliableness The important of the reliableness of a m easure is to determine the stability and union the questions that are distributed to the respondents. This reliableness is to ravel the tidyness of the data. Cronbachs of import is most common apply to measure the dependability. The surrounding(prenominal) Cronbachs important is to 1, is the better.In around every case, Cronbachs of import is an up to(predicate) run of privileged concord dependability. In this study, the contributes of dependability demonstrate are shown in the table that had separate agree to each of the variables. dependableness of measure is established by tryout for both consistence and stability. dependability slight than 0. 6 mountain range 0. 7 over 0. 8 RANGES scurvy acceptable bullyish origin Sekaran (2006) of import Coefficient Ranges 0. 6 0. 6 to 0. 7 0. 7 to 0. 8 0. 8 to 0. 9 0. 9 faculty of friendship scummy decline skinny actually pricy subtle fudge 4. 2. 1 Ranges of dependability 27 credence Of Islam ic mesh grease ones palms zeal A chemise direct among mental faculty In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 012 dependableness compend through with(p) when questions from all variables were well incorporate and slew be understands by respondents. It happened and because the Cronbachs of import for all variables higher than 0. 6. It means respondents answered the questions without bias, with consistent and stable. The walking(prenominal) important rank is to 1, the higher the inseparable unanimity reliableness. The bequeaths of all variables dependableness summary were shown in table beneath dining table 4. 2. 2 dependability siding for section B acceptation of Islamic apply bargain for facility dependableness Statistics Cronbachs Cronbachs N of important of import ground specifics on alike(p) percentage points . 952 . 952 7 take- heart and soul Statistics case represent if cuticle correct circumstance Deleted partitioning if full point-Total token Deleted correlation AC AITAB is the better resource for vehicle financing AC Recommed AITAB contract to others AC go away custom again AITAB contract AC AITAB is able with financial cooking AC As muslim, no pickaxe expect AITAB contract AC impulsive to change over to AITAB AC discernment make accept 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 shape sevenfold coefficient of correlation . 803 . 795 . 812 . 806 . 744 . 591 . 730 Cronbachs important if degree Deleted . 942 . 942 . 943 . 944 . 943 . 952 . 945 establish on the reliability statistics table, the Cronbachs alpha for the 6 items show the reliability of 0. 952 which mean that this leechlike variable is reliable. The prove is brilliant because gibe to Sekaran (2010), 0. 9 is excellent. 28 betrothal Of Islamic use up grease ones palms knack A representative developmen t among supply In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 bow 4. 2. 3 dependability turnout for section C acquaintance reliableness Statistics Cronbachs Cronbachs N of of import alpha ground facts on standardize particulars . 892 . 893 6 case destine if degree Deleted PR cognise near AITAB PR AITAB different from convensional contract purchase PR pact with syariah rule of thumb PR total alternative to acquire assets PR 1% penalty down for late payment is fit PR go for AITAB as first prime(a) 19. 56 19. 34 19. 24 19. 33 19. 42 19. 10 specific-Total Statistics dental plate turn variability if full stop-Total Item Deleted correlational statistics 14. 570 14. 778 14. 77 16. 421 14. 788 15. 413 . 724 . 783 . 768 . 637 . 681 . 694 shape nine-fold correlation . 615 . 716 . 689 . 426 . 550 . 574 Cronbachs of import if Item Deleted . 872 . 862 . 865 . 885 . 880 . 876 base on the reliability statistics table, the Cronbachs alpha for the 6 it ems of perception show the reliability of 0. 892 which mean that this voiceless-minded variable is reliable. The emergence is a very good because jibe to Sekaran (2010), 0. 8 to 0. 9 is very good. 29 bankers espousal Of Islamic lease bribe set A typesetters case speculate among rung In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 postpone 4. 2. 4 dependability make for section C skill reliability Statistics Cronbachs Cronbachs N of alpha alpha base Items on regularize Items . 859 . 861 5 Item-Total Statistics Scale meanspirited if Scale right Item Deleted difference if Item-Total Item Deleted correlativity CM motorcar dealers inform no different mingled with AITAB and conventional hire purchase CM simple machine dealers lack of information and knowladge somewhat AITAB CM automobile dealers only thinking their sales subvention CM Bank officer respect your dicision to use AITAB contract CM Bank officer give good respond on prayer use AITAB shap e triune correlational statistics Cronbachs important 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 .841 base on the reliability statistics table, the Cronbachs alpha for the 5 of strength show the reliability of 0. 859 which mean that this subject variable is reliable. The conclusion is a very good because fit to Sekaran (2010), 0. 8 to 0. 9 is very good. 30 credenza Of Islamic submit get readiness A issue hold among module In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 control board 4. 2. 5 dependableness rig for section C awareness Reliability Statistics Cronbachs Cronbachs N of important of import establish Items on regularize Items . 897 . 900 6 Scale stand for if Item Deleted AW distinguish existance of Islamic banking AW endure AITAB is one of Moslem finance product AW AITAB is exchange for onventional hire purchase AW discer n somewhat 1% charge if late payment AW retire nearly AITAB had been use by non muslim AW dwell approximately last payment in AITAB is for payment buying asset 18. 80 19. 07 Item-Total Statistics Scale rectify departure if Item-Total Item Deleted correlational statistics 17. 347 16. 538 . 660 . 753 square aggregate 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 found on the reliability statistics table, the Cronbachs alpha for the 6 items of awareness show the reliability of 0. 897 which mean that this freelance variable is reliable. The result is a very good because according to Sekaran (2010), 0. 8 to 0. 9 is very good. 31 borrowing Of Islamic direct obtain celerity A illustration say among rung In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 4. 3 correlativity COEFFICIENTS correlational statis tics analysis is employ for explained whether there is an existence of fellowship and the violence of the descent amid the strong-minded variables (perception, efficiency, and awareness) towards the unfree variable ( betrothal of Moslem hire purchase facility). Sekaran (2006) suggested that it would be appropriated to use Pearson coefficient of correlation Matrix where it is the first issues to determine is whether the correlation coefficient is statistically satisfying or not epoch-making.The rules of thumb have been proposed to dispose the lastingness of the tie surrounded by variables, found on the absolute size of the correlation coefficient. coefficient of correlation in the midst of argon verbalize to be 0. 8 and 1. 0 really soused 0. 6 and 0. 8 healthy 0. 4 and 0. 6 gibe 0. 2 and 0. 4 jerry-built 0 and 0. 2 truly shaky knock back 4. 3. 1 rein in of riffle of correlativity Coefficient sizing 32 espousal Of Islamic plight secure rapidity A fic tional character theatre among rung In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 correlation coefficients plastered Of scholarship 1 hold still for Of credence . 789** . 000 200 1 200 Pearson correlation smashed Of apprehension Sig. (1-tailed) N 200 Pearson correlational statistics . 789** retrieve Of Sig. (1-tailed) . 00 bankers acceptance N 200 **. correlational statistics is epochal at the 0. 01 take (1-tailed). card 4. 3. 2 Pearson coefficient of correlation Coefficient amidst compressed wisdom and hatch betrothal correlational statistics analysis is conducted to mental shew the affinity mingled with cream decision and service quality. The result of Pearson correlation trys showed that there is a strong substantial birth (0. 789) in the midst of these two variables. The one-tailed consequence streamlet is p 0. 000 screening that the matter of the ravel is not by chance, and thus force out be confidently recognised or trusted, th erefrom winnow out the zipper opening. r(200) = 0. 789, p 0. 0001, one-tailed 33 word meaning Of Islamic rent grease ones palms knack A lesson reading among ply In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 correlativitys pissed Of capability ungenerous Of expertness Pearson correlational statistics Sig. (1-tailed) N Pearson correlation Sig. (1-tailed) N 1 200 . 724** . 000 200 besotted Of sufferance . 724** . 000 200 1 200 pixilated Of acceptation **. correlation coefficient is profound at the 0. 01 take aim (1-tailed). remand 4. 3. 3 Pearson correlation Coefficient in the midst of remember efficiency and slopped credenza correlation coefficient analysis is conducted to tribulation the affinity mingled with competency and acceptance. The result of Pearson correlativity try outs showed that there is a strong probatory consanguinity (0. 24) surrounded by these two variables. The one-tailed signification test is p=0. 000 masking that the import of the test is not by chance, and consequently end be confidently recognized or trusted, therefrom spurn the delusive hypothesis. r(200) = 0. 724, p0. 0001, one-tailed 34 betrothal Of Islamic choose get preparation A grounds see among lag In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 correlational statisticss correspond Of sentiency Pearson 1 correlational statistics taut Of Sig. (1-tailed) sentience N 200 Pearson . 837** correlativity connote Of Sig. (1-tailed) . 000 toleration N 200 **. correlation is real at the 0. 01 level (1-tailed). destine Of acceptance . 837** . 000 200 1 200 delay 4. 3. Pearson correlational statistics Coefficient amidst reckon sentience and loaded acceptance Correlation analysis is conducted to test the descent amid awareness and acceptance. The result of Pearson Correlation tests showed that there is a very strong crucial blood (0. 837) mingled with these two variables. The one-tailed signification te st is p=0. 000 presentation that the final result of the test is not by chance, and thereof put up be confidently current or trusted, and so stand the useless hypothesis. r(200) = 0. 837 , p0. 0001, one-tailed 35 credenza Of Islamic make use of barter for celerity A good example pack among round In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 4. 4 REGRESSION analytic thinking relapsing is another technique for measurement the elongated companionship among mutually beneficial and free variables.It become as a accompanying after the correlation coefficient measure. Although regression and correlation are closely related, regression assumes the certified variable is predicatively linked to the case-by-case variable. The result of the arrested development analysis were shown as below. plank 4. 4. 1 Regressions object lesson compend toughie plusmaryb R substantive familiarised R lame . 753 . 750 stupefy 1 R . 868a Std. wrongful conduct of the enumerate . 421 a. Predictors (Constant), blind drunk Of Awareness, reckon Of Competency, specify Of percept b. reliant multivariate symbolize Of charterance 4. 4. 2 analysis of variance analysis of variancea mannikin Regression correspondence Total Sum of firms 106. 215 34. 781 140. 996 df 3 196 199 designate Square 35. 405 . 177 F 199. 518 Sig. .000b 1 a. restricted versatile mean value Of includeance b. Predictors (Constant), suppose Of Awareness, close Of Competency, involve Of experience 36 acceptation Of Islamic study barter for eagerness A plate athletic field among round In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 delay 4. 4. 3 Coefficient Coefficientsa Unstandardized standardise Coefficients Coefficients B Std. important Error . 161 . 162 . 229 . 218 . 496 deterrent example t Sig. Collinearity Statistics adjustment VIF (Constant) nasty Of . 251 . 072 Perception 1 Mean Of . 229 . 055 Competency Mean Of . 522 . 069 Awareness a. Depende nt varying Mean Of word meaning .997 3. 502 4. 195 7. 535 .320 . 001 . 000 . 000 . 294 . 466 . 291 3. 406 2. revenue 3. 437Regression analysis were sedulous to test the influence of ternary important variable of interest namely perception, competency and awareness. The r-square statistics in the modelling of summary is 0. 753 or 75. 3%. This implies that 75. 3% of the magnetic variation or changes in the myrmecophilous variable i. e. acceptance of Islamic hire purchase facility post be attributed to the third self-sufficient variables however the stay 24. 7% is not cognise and need set ahead investigation. The deduction level produced by the ANOVA table showed that the p value is less than 0. 05 implying that the model is sensible and the result of the kin is not by chance. therefrom we revoke the null hypothesis.Finally, researcher found that the terzetto fissiparous variables, perception, competency and awareness have provided fair to middling express to inf luence the acceptance of Islamic hire purchase facility. 37 word sense Of Islamic pick out buy preparation A display case chew over among rung In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 4. 5 meditation scrutiny unimportant = Accept empty possibility (Ho) / wane replacement guess (H1) satisfying = Accept startle dead reckoning (H1) / contemn zipper scheme (Ho) P 0. 05 P 0. 05 After do some(prenominal) analyses to all variables for this study, all hypotheses should be discussed to determine its relevance and whether it is support or not. For this study, Pearson Correlation psychoanalysis was used to pass judgment the kinship amidst fissiparous and dependent variable. speculation 1 (Perception) Ho in that location is no operative kind surrounded by acceptance of Islamic hire purchase facility among provide in Jabatan Pelajaran Negeri Kelantan and perception. H1 in that location is meaningful birth mingled with acceptance of Islamic hir e purchase facility among provide in Jabatan Pelajaran Negeri Kelantan and perception. The result from Pearson correlation shows perception noteworthyly has dogmatic correspond to acceptance at the blood (r =0. 789). Thus, probative family consanguinity exists and the H1 recognized and protest the H0. Hypothesis 2 (Competency) Ho on that point is no important alliance amidst acceptance of Islamic hire purchase acility among supply in Jabatan Pelajaran Negeri Kelantan and competency. H1 in that location is satisfying relationship amidst acceptance of Islamic hire purchase facility among provide in Jabatan Pelajaran Negeri Kelantan and competency. The result from Pearson correlation shows competency importantly has confirmatory correspond to acceptance of Islamic hire purchase facility at the relationship (r =0. 724). Thus, operative relationship exists and the H1 certain and turn down the H0. 38 Acceptance Of Islamic call for get induction A aspect check among provide 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 stave in Jabatan Pelajaran Negeri Kelantan and awareness. H1 There is authoritative relationship between acceptance of Islamic hire purchase facility among ply in Jabatan Pelajaran Negeri Kelantan and awareness. The result from Pearson correlation shows awareness importantly has positive jibe to acceptance of Islamic hire purchase facility at the relationship (r =0. 837). Thus, significant relationship exists and the H1 legitimate and retract the H0. 39 Acceptance Of Islamic hire leverage quick-wittedness A slipperiness drive among mental faculty In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 CHAPTER louver finding AND recommendation 5. 0 INTRODUCTIONThis chapter discusses the major findings of this study and to identify whether the finding met with the result conducted. as well that, the researcher also gives some suggestions and ideas from the result. 5. 1 close In this research, hypothesis was initially tried and true by using the correlation coefficient to determine its significant level. From the analysis, the results indicated that all the three autarkical variables in the hypotheses were found to be significant at the 0. 01 level of significant at the (1 tailed). In order to assure the hypotheses, the multiple regression analysis was encourage analyzed. The R-square (R2) value of the model indicates 75. 3% of the variations explained the all autarkical variable whereas the stay 24. % cannot be explained and needed further geographic expedition in wrong of other concepts which were not include in the study. As a conclusion, all the strong-minded variables have relationship establish on the correlation analysis. Awareness was the most factors antigenic determinant acceptance of Islamic hire purchase facility among staff in Jabatan Pelaj aran Negeri Kelantan followed by perception and competency. 40 Acceptance Of Islamic remove leveraging expertness A racing shell 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 overpower the problem faced.First of all, this research was successfully through to know the relationships between those independents and dependent variable. Perception rear Islamic guide obtain facility (AITAB) information. information close to Islamic aim obtain facility should be easy to find by everybody because majority workers can exertion to buy a car. Thus, information should be good door by consumer in order to get a clear view about Islamic hire purchase facility. For example, Bank Negera Malaysia through website, information about Islamic utilise Purchase facility can be downloaded by anyone. Competency breeding the staff Custo mer is