This paper examines responsible lending obligation among various credit providers under the present legal and institutional framework in Malaysia. The scope of consumer credit industry includes banking, hire-purchase, moneylending and pawnbroking. The study finds an inconsistent approach in dealing with responsible lending whereby only banking inst

Institutional Framework for Consumer Credit Industry in Malaysia: Learning from Australia, the United Kingdom and South Africa ExperiencesInternational Journal of Advanced Science and Technology Vol. 28, No. 8s, (2019), pp. 289-296 289 ISSN: 2005 -4238 IJAST Copyright ⓒ 2019 SERSC Institutional Framework for Consumer Credit Industry in Malaysia:

Advertising boosts market performance by offering useful information to consumers. It enables firms to promote the attributes of their products and services and, thereby, to compete better with each other. On the other hand, advertising may adversely affect market performance when businesses use it to transmit deceptive or fraudulent messages on wh

Islamic finance is an unavoidable phenomenon in the world financial system. Not only does it offer a new group of potential investors looking to diversify away from traditional investments but its responsive adaptation to economic and financial expectations are among the factors pushing its growth. The world’s financial markets are picking up on

تلقي الدراسة الضوء الشرعي على معرفة حكم تهجير أهل القاتل الذي يعد من ضمن المشاكل التي تتصادم مع استقرار حياة المسلمين وتؤثر على سيرها بشكل طبيعي، قامت الباحثة بالبحث والمقارنة في أدلة استنباط

Solubility of active pharmaceutical ingredient (API) in solvents is very important for drug development and manufacturing. Solubility data may provide further information such as thermochemical properties and intermolecular interactions that may lead to a better understanding of the formation of API crystals. In this study, solubility of ascorbic a

Background: Polymeric inclusion complex has been used frequently as a drug delivery system due to controlled release, non-toxic properties and high bioavailability. Objective: The current study aims to improve drug release properties of orotic acid loaded with chitosan inclusion complex (OA/CS). Material and methods: The OA/CS inclusion complex wer

Takaful operation in Malaysia has proven their credibility through the remarkable achievement in the market structure and net contribution income. As a financial product, takaful is one of the key tools in wealth protection. As the dedicated institutions which are authorized to operate in providing Shariah-compliant protection coverage to the commu

Shariah governance plays a key role in ensuring integrity of Islamic financial system. The structure and the process of Shariah governance has been proposed by the international standard setting bodies for Islamic Financial Institutions (IFIs) to follow and incorporate Shariah governance practices in their operations and financial products. This st

The purpose of this paper is to discuss the financial consumer protection in Islamic banks in the context of Islamic Financial Service Act 2013 (IFSA 2013) by looking simultaneously to the standards and guidelines issued by Bank Negara Malaysia (BNM). This conceptual paper examines relevant provisions in both Acts as well as in respective standards