Even though the banking industry is growing exponentially, they are still out of reach of the hardcore poor. The population under poverty remains financially excluded from the mainstream banking facilities. The aim of this paper is to empirically examine the main factors that hinder customers to access financing from mainstream banking in Indonesia

Waqf is a charitable institution that has long been practiced from the time. Prophet Muhammad(pbuh). In Malaysia, waqf has been used for several purposes like building of mosque, cemeteries and poverty alleviation. The use of cash waqf is gaining prominence due to its flexibility. However, the availability of cash waqf as a means for educational as

Prior to the advent of the Prophet of Islam, Arabia was engulfed in the Days of Ignorance (Ayyamul Jahiliyyah). The degrading lifestyle and barbarism of the Arabs kept the superpowers of that time; Rome and Persia away from ruling Arabia. It was deemed by the superpowers that to rule Arabia would be a total liability on their side. This scenario ch

The discussion on the mind and body continues to be debated by philosophers and psychologists. Ever since the Renaissance, Western scholars have shifted their research on the man from a religious to a scientific one. They argued that spirituality cannot be scrutinized using science and scientific tools. Yet, they are not any closer to finding a com

An Islamic equity financing, namely Musharakah financing, which operates based on profit and loss sharing (PLS) principle seems to be idle in the Islamic banking operations. Even though Islamic banks was founded based on the idea of equity financing or PLS, in reality, its application in Islamic banking operations is very minimal as the current ope

Due to the phenomenal increase in issues related to mental illness in Malaysia and elsewhere in the world, this presentation appeals to the students of IIUM to pay a serious attention to their state of mental health. It has come to the knowledge of the presenters during their counselling sessions with students who go through stress, anxiety, and ot

The purpose of this study is to measure the outcome of total knee arthroplasty pre and post operative using validated questionnaires; Depression, Anxiety, Stress Scale (DASS21). The study was done prospectively in which questionnaires were distributed pre and post operatively. This study concentrated more on patients’ perception rather than surge

The purpose of this study is to measure the outcome of total knee arthroplasty pre and post operative using validated questionnaires; Depression, Anxiety, Stress Scale (DASS21). The study was done prospectively in which questionnaires were distributed pre and post operatively. This study concentrated more on patients’ perception rather than surge

After the time of the Prophet of Islam, Muslims and their civilization started to flourish giving rise to many vast empires stretching from Granada to Indonesia. Muslim scholars became great authorities in the many fields of knowledge. During the Golden Age of Islam (750-1258), Muslims were the pioneers, inventors, innovators in the human and natur

Advancement in the way of life and urbanization has brought many great changes in the psychological well-being of people in many parts of the world. Driven by the need to be materially affluent has pushed people in the urban to unnecessary stress, anxiety, conflict, dilemma and a whole lot of other adverse psychological state of mind. Due to these