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NAMA PELAJAR

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UNIVERSITI ISLAM ANTARABANGSA SULTAN ABDUL HALIM MU’ADZAM SHAH

(UniSHAMS)

2019/1441H

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NAMA PELAJAR

NO. MATRIK

Tesis Diserahkan kepada

Universiti IslamAntarabangsa Sultan Abdul Halim Mu’adzam Shah (UniSHAMS),

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APPROVAL PAGE

PERAKUAN

Saya, (nama pelajar) ....................mengesahkan bahawa, kajian PhD/Sarjana saya bertajuk: ( ……..perkataan dan …..muka surat ),Saya membaca dan memahami Peraturan dan Undang-Undang Universiti Islam Antarabangsa Sultan Abdul Halim Mu’adzam Shah (UniSHAMS) mengenai plagiat. Saya mengesahkan bahawa semua bahan yang dipersembahkan merupakan hasil kerja saya sendiri. Saya juga mengesahkan sebarang petikan atau penulisan daripada yang sudah diterbit atau belum diterbit telah diperakui sewajarnya.

Tandatangan :…………………..

No. Matrik :

Tarikh : 1441H/ 2019

PENGHARGAAN

Firstly, I wish to thank God for giving me the opportunity to embark on my PhD and for completing this long and challenging journey successfully. My gratitude and thanks go to my supervisor Assoc Prof Datuk.

My appreciation goes to the Captain and crewmembers of the MMC who provided the facilities and assistance during sampling. Special thanks to my colleagues and friends for helping me with this project.

Finally, this thesis is dedicated to the loving memory of my very dear late father and mother for the vision and determination to educate me. This piece of victory is dedicated to both of you. Alhamdulilah.

ABSTRAK

Industri kewangan mikro Islam telah muncul sebagai satu sistem kewangan baharu yang berdepan dengan pelbagai isu kewangan global. Biarpun pelbagai peluang yang ditawarkan oleh sistem kewangan Islam kepada populasi miskin dunia, kadar penggunaan sistem ini di Côte D’Ivoire juga di tempat-tempat lain, dilihat masih berada diparas yang rendah. Kajian ini melihat tingkahlaku dan norma moral Islamik (IMN) terhadap pengguna dengan mengintegrasi norma moral Islamik pengguna (CIMN) ke dalam teori tingkahlaku terancang (TPB). Secara khususnya, kajian ini menguji kesan sikap, norma subjektif, kawalan tingkahlaku yang dilihat (PBC) dan CIMN terhadap kemahuan

ABSTRACT

On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document. You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks. When you create pictures, charts, or diagrams, they also coordinate with your current document look. You can easily change the formatting of selected text in the document text by choosing a look for the selected text from the Quick Styles gallery on the Home tab. You can also format text directly by using the other controls on the Home tab. Most controls offer a choice of using the look from the current theme or using a format that you specify directly. To change the overall look of your document, choose new Theme elements on the Page Layout tab. To change the looks available in the Quick Style gallery, use the Change Current Quick Style Set command. Both the Themes gallery and the Quick Styles gallery provide reset commands so that you can always restore the look of your document to the original contained in your current template. On the Insert tab, the

ISI KANDUNGAN

APPROVAL PAGE	ii

PERAKUAN	ii

PENGHARGAAN	ii

ABSTRAK	ii

ABSTRACT	ii

ISI KANDUNGAN	ii

SENARAI JADUAL	ii

SENARAI RAJAH	ii

SENARAI KES	ii

SENARAI UNDANG-UNDANG/KONSTIT	ii

SENARAI TRANSLITERASI	ii

SENARAI LAMPIRAN	ii

SENARAI SINGKATAN	ii

BAB 1 PENGENALAN	2

1.1	Pengenalan	2

1.2	Latar Belakang Kajian	2

1.2.1	Intellectual Capital Intellectual Capital Intellectual Capital Intellectual Capital Intellectual Capital	2

BAB 2 SOROTAN KARYA	2

2.1	Pengenalan	2

2.2	Kajian Teori	2

2.3	Kajian Empirikal	2

2.3.1	Definitions of Banks	2

2.3.2	History of Banks	2

2.3.3	Type of Bank	2

2.3.4	History of Islamic Banks	2

BAB 3 METHODOLOGI KAJIAN	2

3.1	Pengenalan	2

3.2	Rekabentuk Kajian	2

3.3	Populasi Kajian	2

3.3.1	Shariah Governance	2

3.4	Penentuan Saiz Sampel	2

3.4.1	Measurement of Independent Variable	2

BAB 4 KEPUTUSAN DAN PERBINCANGAN	2

4.1	Pengenalan	2

4.1.1	Descriptive Statistics	2

4.1.1.1	Outliers	2

4.1.1.2	Diagnostic Checks	2

RUJUKAN	2

LAMPIRAN	2

SENARAI JADUAL

NO. JADUAL	TAJUK	MUKA SURAT

Jadual ‎1.1	Bilangan Responden untuk kajian di sekolah menengah kebangsaan sultan abdul halim	3

SENARAI RAJAH

NO. RAJAH	TAJUK	MIUKA SURAT

Rajah 1.1	UniSHMAS Logo	2

SENARAI KES

SENARAI UNDANG-UNDANG/KONSTIT

SENARAI TRANSLITERASI

SENARAI LAMPIRAN

NO. LAMPIRAN	TAJUK	MUKA SURAT

LAMPIRAN 1	Soalan Kaji Selidik	2

SENARAI SINGKATAN

Singkatan
PCA	Principal Component Analysis

PENGENALAN

Pengenalan

On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document. You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks.

When you create pictures, charts, or diagrams, they also coordinate with your current document look. You can easily change the formatting of selected text in the document text by choosing a look for the selected text from the Quick Styles gallery on the Home tab.

You can also format text directly by using the other controls on the Home tab. Most controls offer a choice of using the look from the current theme or using a format that you specify directly.

To change the overall look of your document, choose new Theme elements on the Page Layout tab. To change the looks available in the Quick Style gallery, use the Change Current Quick Style Set command.

Latar Belakang Kajian

On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document. You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks.

When you create pictures, charts, or diagrams, they also coordinate with your current document look. You can easily change the formatting of selected text in the document text by choosing a look for the selected text from the Quick Styles gallery on the Home tab.

You can also format text directly by using the other controls on the Home tab. Most controls offer a choice of using the look from the current theme or using a format that you specify directly.

Objektif Kajian

On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document.

You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks.

When you create pictures, charts, or diagrams, they also coordinate with your current document look.

You can easily change the formatting of selected text in the document text by choosing a look for the selected text from the Quick Styles gallery on the Home tab.

Intellectual Capital Intellectual Capital Intellectual Capital Intellectual Capital Intellectual Capital

On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document. You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks. When you create pictures, charts, or diagrams, they also coordinate with your current document look.

You can easily change the formatting of selected text in the document text by choosing a look for the selected text from the Quick Styles gallery on the Home tab. You can also format text directly by using the other controls on the Home tab. Most controls offer a choice of using the look from the current theme or using a format that you specify directly.

Rajah ‎1.1	UniSHMAS Logo

On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document. You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks. When you create pictures, charts, or diagrams, they also coordinate with your current document look.

You can easily change the formatting of selected text in the document text by choosing a look for the selected text from the Quick Styles gallery on the Home tab. You can also format text directly by using the other controls on the Home tab. Most controls offer a choice of using the look from the current theme or using a format that you specify directly.

Jadual ‎1.1	Bilangan Responden untuk kajian di sekolah menengah kebangsaan sultan abdul halim

No.	Description	Gender	Age	Status
1	Aminah	Female	20	Single
2	Ahmad	Male	37	Married
3	Ali	Male	40	Married

On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document. You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks.

When you create pictures, charts, or diagrams, they also coordinate with your current document look. You can easily change the formatting of selected text in the document text by choosing a look for the selected text from the Quick Styles gallery on the Home tab.

“On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document”

When you create pictures, charts, or diagrams, they also coordinate with your current document look. You can easily change the formatting of selected text in the document text by choosing a look for the selected text from the Quick Styles gallery on the Home tab.

“On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document. You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks. When you create pictures, charts, or diagrams, they also coordinate with your current document look. You can easily change the formatting of selected text in the document text by choosing a look for the selected text from the Quick Styles gallery on the Home tab. You can also format text directly by using the other controls on the Home tab. Most controls offer a choice of using the look from the current theme or using a format that you specify directly.”

On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document. You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks. When you create pictures, charts, or diagrams, they also coordinate with your current document look.

SOROTAN KARYA

Pengenalan

On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document. You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks.

When you create pictures, charts, or diagrams, they also coordinate with your current document look. You can easily change the formatting of selected text in the document text by choosing a look for the selected text from the Quick Styles gallery on the Home tab.

You can also format text directly by using the other controls on the Home tab. Most controls offer a choice of using the look from the current theme or using a format that you specify directly.

Kajian Teori

On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document. You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks.

When you create pictures, charts, or diagrams, they also coordinate with your current document look. You can easily change the formatting of selected text in the document text by choosing a look for the selected text from the Quick Styles gallery on the Home tab.

You can also format text directly by using the other controls on the Home tab. Most controls offer a choice of using the look from the current theme or using a format that you specify directly.

Kajian Empirikal

On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document. You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks. When you create pictures, charts, or diagrams, they also coordinate with your current document look.

You can easily change the formatting of selected text in the document text by choosing a look for the selected text from the Quick Styles gallery on the Home tab. You can also format text directly by using the other controls on the Home tab. Most controls offer a choice of using the look from the current theme or using a format that you specify directly.

Definitions of Banks

On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document. You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks.

History of Banks

On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document. You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks.

When you create pictures, charts, or diagrams, they also coordinate with your current document look. You can easily change the formatting of selected text in the document text by choosing a look for the selected text from the Quick Styles gallery on the Home tab.

Type of Bank

On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document. You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks. When you create pictures, charts, or diagrams, they also coordinate with your current document look.

History of Islamic Banks

On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document. You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks.

When you create pictures, charts, or diagrams, they also coordinate with your current document look. You can easily change the formatting of selected text in the document text by choosing a look for the selected text from the Quick Styles gallery on the Home tab.

METHODOLOGI KAJIAN

Pengenalan

On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document. You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks. When you create pictures, charts, or diagrams, they also coordinate with your current document look.

You can easily change the formatting of selected text in the document text by choosing a look for the selected text from the Quick Styles gallery on the Home tab. You can also format text directly by using the other controls on the Home tab. Most controls offer a choice of using the look from the current theme or using a format that you specify directly.

Rekabentuk Kajian

On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document. You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks. When you create pictures, charts, or diagrams, they also coordinate with your current document look. You can easily change the formatting of selected text in the document text by choosing a look for the selected text from the Quick Styles gallery on the Home tab.

You can also format text directly by using the other controls on the Home tab. Most controls offer a choice of using the look from the current theme or using a format that you specify directly. To change the overall look of your document, choose new Theme elements on the Page Layout tab. To change the looks available in the Quick Style gallery, use the Change Current Quick Style Set command.

Both the Themes gallery and the Quick Styles gallery provide reset commands so that you can always restore the look of your document to the original contained in your current template. On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document. You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks. When you create pictures, charts, or diagrams, they also coordinate with your current document look.

Populasi Kajian

On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document. You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks.

When you create pictures, charts, or diagrams, they also coordinate with your current document look. You can easily change the formatting of selected text in the document text by choosing a look for the selected text from the Quick Styles gallery on the Home tab.

Shariah Governance

On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document.

You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks.

When you create pictures, charts, or diagrams, they also coordinate with your current document look.

Penentuan Saiz Sampel

On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document. You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks. When you create pictures, charts, or diagrams, they also coordinate with your current document look.

You can easily change the formatting of selected text in the document text by choosing a look for the selected text from the Quick Styles gallery on the Home tab. You can also format text directly by using the other controls on the Home tab. Most controls offer a choice of using the look from the current theme or using a format that you specify directly.

ROA = PROFIT AFTER TAX / FIXED ASSETS	(‎3.1)

Measurement of Independent Variable

On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document. You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks. When you create pictures, charts, or diagrams, they also coordinate with your current document look.

You can easily change the formatting of selected text in the document text by choosing a look for the selected text from the Quick Styles gallery on the Home tab. You can also format text directly by using the other controls on the Home tab. Most controls offer a choice of using the look from the current theme or using a format that you specify directly.

KEPUTUSAN DAN PERBINCANGAN

Pengenalan

On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document. You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks. When you create pictures, charts, or diagrams, they also coordinate with your current document look.

You can easily change the formatting of selected text in the document text by choosing a look for the selected text from the Quick Styles gallery on the Home tab. You can also format text directly by using the other controls on the Home tab. Most controls offer a choice of using the look from the current theme or using a format that you specify directly.

Descriptive Statistics

On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document. You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks.

When you create pictures, charts, or diagrams, they also coordinate with your current document look. You can easily change the formatting of selected text in the document text by choosing a look for the selected text from the Quick Styles gallery on the Home tab.

Outliers

On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document. You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks. When you create pictures, charts, or diagrams, they also coordinate with your current document look.

You can easily change the formatting of selected text in the document text by choosing a look for the selected text from the Quick Styles gallery on the Home tab. You can also format text directly by using the other controls on the Home tab. Most controls offer a choice of using the look from the current theme or using a format that you specify directly.

Diagnostic Checks

On the Insert tab, the galleries include items that are designed to coordinate with the overall look of your document. You can use these galleries to insert tables, headers, footers, lists, cover pages, and other document building blocks. When you create pictures, charts, or diagrams, they also coordinate with your current document look.

You can easily change the formatting of selected text in the document text by choosing a look for the selected text from the Quick Styles gallery on the Home tab. You can also format text directly by using the other controls on the Home tab. Most controls offer a choice of using the look from the current theme or using a format that you specify directly.

RUJUKAN

Abdullah Sani, N., & Othman, R. (2013). Revision of Shari’ah Screening Methodology : The Status of Shari’ah Compliant Companies in Malaysia. In Proceedings of the 3rd International Conference on Management (3rd ICM 2013), Malaysia (pp. 51–63).

Abu-Rahma, A., & Abu-Rahma, K. (2012). Corporatism: The islamic model. Purusharta: A Journal of Management Ethics and Sprirituality, 5(1), 143–156.

Adnan Khurshid, M., Al-Aali, A., Ali Soliman, A., & Mohamad Amin, S. (2014a). Developing an Islamic corporate social responsibility model (ICSR). Competitiveness Review, 24(4), 258–274.

Adnan Khurshid, M., Al-Aali, A., Ali Soliman, A., & Mohamad Amin, S. (2014b). Developing an Islamic corporate social responsibility model (ICSR). Competitiveness Review, 24(4), 258–274.

Ahmad, A.-R., Nasir, I.-N. M., Wan-Abu-Bakar, W.-A., Darus, F., & Sidek, N. Z. M. (2015). i-CSR Ranking in the Workplace. Procedia Economics and Finance, 31(15), 520–524.

LAMPIRAN

LAMPIRAN 1
Soalan Kaji Selidik

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