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Financial illiteracy could pose a significant challenge to micro-entrepreneurs. There is a pressing need to foster financial literacy;, therefore, the purpose of this study is to examine particularly how Islamic financial literacy may enhance their businesses toward achieving financial sustainability.

This study uses quantitative methods. Three hundred (300) questionnaires were distributed to micro-entrepreneurs in three states in Malaysia, namely, Kedah, Kelantan and Terengganu. This study used the partial least squares (PLS) analysis using the SmartPLS 3.2.

The study found that the most robust Islamic financial literacy factors are financial behavior, followed by financial knowledge and financial attitude .The outcome of Islamic financial literacy, which is financial sustainability, also demonstrates a positive and significant relationship.

All variables show a positive and significant relationship toward financial sustainability. Stated differently, micro-entrepreneurs are aware that understanding the basic concepts of Islamic finance may help them achieve long-term financial sustainability

This study incorporates Islamic financial concepts into financial literacy while also assessing demographic aspects like years of business operation and education as moderators, which were not considered by previous studies.

This study aims to examine the association between corporate governance mechanism and firm performance measured by return on assets (ROA). The question is whether an effective corporate governance mechanism is able to increase the firm performance of Bursa and Construction Industry Development Board (CIDB) Klang Valley, Malaysia. The main purpose of this study is the in-depth analysis of the corporate governance mechanism and construction industry Malaysia via Bursa and CIDB.

Following the primary and secondary data comparative approach, data are collected from 46 listed construction companies and 250 CIDB-registered SMEs for the financial year 2015. Descriptive statistics, Pearson correlation test are reported, and model estimation is performed using logistic regression.

The empirical outcome shows that the corporate governance mechanism is significant in case of the CIDB Malaysia-registered SMEs. While, it has insignificant impact on firm’s performance for Bursa Malaysia.

This paper offers evidence specifically for Bursa and CIDB Malaysia construction industry. It can also provide guidance to the board of directors for the subscription of shares under the corporate governance measures at Bursa Malaysia. The findings also suggest that CIDB should increase awareness regarding institutional investment to assist the securities market to develop further.

This study gives an indication about corporate governance, specifically for the CIDB-registered SMEs and Bursa Malaysia. It also discusses the matter of firm performance under the light of corporate governance.

There are rising issues with the delivery performance of Malaysian low-cost housing (LCH) because the occupants are inclined to perceive safety hazards. Among the safety issues raised during the occupancy period in LCH are structural instability and falling building fragments. Without defining the occupants’ requirements in the early housing development, it is hard to determine the prevailing safety factors. Hence, this paper emphasises the application of post occupancy evaluation (POE) that incorporates participation from the occupants as a tool to assess the safety performance of Malaysian LCH. The purpose of this study is to develop a framework of POE integrated with safety elements for Malaysian LCH.

This research was carried out with a quantitative method using questionnaires as the survey instrument involving safety inspection survey and satisfaction surveys. The inspection survey and Occupants’ Satisfaction Survey were carried out based on 24 LCH projects located in the federal territory of Kuala Lumpur, Malaysia. In total, 380 samples were used for both surveys. Statistical correlation was used to affirm the incorporation of occupants’ participation towards safety performance in the POE approach. The Spearman’s rho (r) correlation was used in the analysis for variables in both surveys which consisted of an ordinal scale.

The correlation result revealed that there was a significant relationship among all safety attributes between safety performance and occupants’ satisfaction. Therefore, a framework consisting of POE and safety elements has been proposed based on the significance of both variables. The development process of the framework used the vital phases of POE and inputs of safety elements which consisted of three main stages: planning phase as safety input, conducting phase as safety process and applying phase as safety output.

The surveys were limited to the rented People’s Housing Programme located in Kuala Lumpur and not extensively to all LCH programmes in Malaysia. The surveys were also not carried out to other LCH programmes such as the Hardcore Poor Housing Programmes and the low- to medium-cost housing because of the limitations of time and resources.

This research has introduced a new dimension for safety performance assessment in LCH using the POE as the safety performance tool. By allowing the participation of occupants for safety assessment, this study stresses the fundamental concept of POE by highlighting the importance of obtaining feedback from the building occupants.

As a proactive measure, the proposed framework was introduced as an improved procedure to inspect safety performance in LCH during occupancy, in lieu of the current assessment process. Receiving complaints from the occupants after the occurrence of incidents is demarcated as a reactive approach, whereas the current inspection survey does not incorporate the occupants’ participation. Feedback from occupants is not a routine of building assessment during occupancy; hence, using POE is generally a new dimension of safety performance in Malaysian LCH.

This study aims to determine the reliability assessment based on the predicted fatigue life of leaf spring under random strain loading.

Random loading data were extracted from three various road conditions at 200 Hz using a strain gauge for a duration of 100 s. The fatigue life was predicted using strain-life approaches of Coffin–Manson, Morrow and Smith–Watson–Topper (SWT) models.

The leaf spring had the highest fatigue life of 1,544 cycle/block under highway data compared uphill (1,299 cycle/block) and downhill (1,008 cycle/block) data. Besides that, the statistical properties of kurtosis showed that uphill data were the highest at 3.81 resulted in the presence of high amplitude in the strain loading data. For fatigue life-based reliability assessment, the SWT model provided a narrower shape compared to the Coffin–Manson and Morrow models using the Gumbel distribution. The SWT model had the lowest mean cycle to failure of 1,250 cycle/block followed by Morrow model (1,317 cycle/block) and the Coffin–Manson model (1,429 cycle/block). The SWT model considers the mean stress effects by interpreting the strain energy density that will influence the reliability assessment.

The reliability assessment based on fatigue life prediction is conducted using the Gumbel distribution to investigate the behaviour of fatigue random loading, where most previous studies had concentrated on a Weibull distribution on random data.

Thus, this study proposes that the Gumbel distribution is suitable for analysing the reliability of random loading data in assessing with the fatigue life prediction of a heavy vehicle leaf spring.

The objective of this paper is to identify suitable lattice structure patterns for the design of porous bone implants manufactured using additive manufacturing.

The study serves to compare and analyse the mechanical behaviours between cubic and octet-truss gradient lattice structures. The method used was uniaxial compression simulations using finite element analysis to identify the translational displacements.

From the simulation results, in comparison to the cubic lattice structure, the octet-truss lattice structure showed a significant difference in mechanical behaviour. In the same design space, the translational displacement for both lattice structures increased as the relative density decreased. Apart from the relative density, the microarchitecture of the lattice structure also influenced the mechanical behaviour of the gradient lattice structure.

Gradient lattice structures are suitable for bone implant applications because of the variation of pore sizes that mimic the natural bone structures. The complex geometry that gradient lattice structures possess can be manufactured using additive manufacturing technology.

The results demonstrated that the cubic gradient lattice structure has the best mechanical behaviour for bone implants with appropriate relative density and pore size.

This paper explores the patterns of the current needs of users' social characteristics in post occupancy evaluation (POE) associated with the environmental performance of green buildings using systematic literature review (SLR). This paper aims to establish a conceptual nexus between environmental performance mandates and the current needs of the users' social characteristics.

This paper adopts a SLR approach designed using Preferred Reporting Items for Systematic Reviews and Meta-Analyses for 21 articles that were selected as qualitative synthesis in this study. The search parameter for the selected articles in this review was limited to publications in three databases, Scopus, Web of Science and Emerald, between January 2016 and January 2023, with the help of qualitative software ATLAS.ti 9© in the presentation of the network codes. The initial literature search has retrieved 99 papers which sequentially excluded 42 papers due to exclusion criteria, and the researcher was left with 57 papers. Out of 57, 14 papers were then removed due to duplication of records found in the Scopus and Web of Science databases, and 43 articles were further screened for qualitative synthesis. A thorough critical appraisal was applied to ensure that only selected papers were included, consensus was achieved among the authors and 22 papers were excluded. The qualitative synthesis has finalized 21 studies, and they are selected as confirmative findings.

Using network codes presentation of ATLAS.ti 9©, the result shows that the social characteristics are influenced by the evaluated building category and the users' category – the stakeholders (owners, designers) and the occupants. New-fangled elements in environmental performance mandates are legitimacy and accessibility. The users’ social characteristics are derived from the category of users, where the stakeholders (designers, owners) are relatively a novel benchmark in meeting the POE objectives towards environmental performance. The least attention on the users’ social characteristics based on the findings shows that image, experiential (conjoint), happiness, interactive behaviour, morale and values are depicted as the social current needs in the environmental performance using POE. However, all stakeholders and the building occupants’ social characteristics must have a confirmative relation to the performance mandates, especially for newly performance mandates elements: legitimacy and accessibility.

The research limits the literature search between the recent January 2016 and January 2023 in Scopus, Web of Science and Emerald databases. Limiting the year of publication to the recent years is important to select and rank relevant scientific papers which encompass the reviewed subject. Other limitations include the selection of papers focusing on the POE approach and environmental performance as the main subject of evaluation. Other evaluation purposes that are not related to environmental objectives are excluded in this study.

The characteristics of the social elements become a challenging subject in meeting the environmental performance needs as they lean more towards intangible elements. The novelty of the findings is drawn from the new pattern and current needs of users' social characteristics in POE for environmental performance.

This study aims to investigate the impact of board diversity characteristics, namely, independence, gender, age and nationality of directors on the level of corporate social responsibility (CSR) disclosures.

Content analysis was used to determine CSR disclosure. This study used panel data analysis to investigate the influence of board diversity characteristics on CSR disclosures.

Panel data analysis show that the level of CSR disclosure has increased over the period of study. Results also reveal a positive and significant association between the level of CSR disclosure and board diversity variables.

This study examined only companies listed on Amman Stock Exchange. Therefore, the generalisation of the results might be limited to the listed companies only.

Findings are relevant to policymakers, professional organisations and practitioners in Jordan and in other Arab countries.

The role of women in the boardroom is important to ensure more CSR activities by the listed companies. Jordan being a Muslim country should take the initiative to introduce laws to increase the number of women to the board.

This study offers significant contributions to existing CSR literature in Jordan and in other Arab countries by introducing female directors. Findings are important to policymakers. They should implement quotas for women in the boardroom, and adopting such a policy will increase the participation of women in the decision-making process of the companies and reduce gender bias.

The adoption of green building concepts and practices is rapidly gaining momentum globally due to their tendency to mitigate adverse effects of construction activities on the environment. The purpose of this study is to examine the challenges and benefits of implementing green building development in Nigeria.

Primary data were collected from questionnaires administered to 122 participants selected using stratified sampling techniques in North-East Nigeria. Semi-structured interviews complemented survey findings with proposed solutions. The quantitative data were analysed using descriptive statistics to identify the benefits and challenges, while thematic analysis was used to identify effective measures to the challenges of green building.

Results show that “conservation of natural resources”, “reducing maintenance” and “heightened aesthetic” were rated higher as environmental, economic and social benefits, and thus were significant to green building development. The study revealed “economic issues”, “government issues” and “absence of standard assessment system” were the key factors as internal, external and general challenges to green building. Most practical solutions were related broadly to policy, awareness and support as measures to challenges of green building development.

The study is imperative to bridge the knowledge gaps and provide empirical information for green building policy guidelines specific to North-East Nigeria’s built environment sector. The understanding of policy implications will assist in building regulatory and monitoring agencies in developing new internal management policies to inform the public and investors about the effects of green building development.

The purpose of this study is to examine the role of social network websites (SNWs) on hotels’ performance through innovation, especially in emerging countries, which is still lacking.

A survey was randomly distributed to 219 of 4- and 5-star hotels in Malaysia and the data were analyzed using the structural equation modeling.

The results confirm that the SNWs have a positive effect on the innovation capacity; meanwhile, the innovation capacity fully mediated the association between online social networks and the firm’s performance. Moreover, the association between SNWs and innovation is partially mediated by absorptive capacity (AC).

This paper deliberates the significance of online social networking websites in the improvement of innovation capabilities through business intelligence and information management that improve hotels’ performance. This paper also deliberates the methods in which online social networking websites improve AC and information management.

本论文旨在研究社交网路网站（SNWs）通过创新对于酒店绩效的作用, 这点在新兴国家还属于发展阶段。

采样方法为随即问卷, 采样地点在马来西亚4-/5-星酒店, 样本数据采用结构方程模型的方法进行分析。

本论文结果肯定了SNWs对于创新能力的积极作用, 同时, 创新能力起到SNWs和企业绩效关系的全中介作用。此外, SNWs和创新之间受到吸收能力的部分中介影响。

本论文诠释了在线社交网络网站通过商业智能和信息管理对于提高创新能力以及提高酒店绩效的重要作用。本论文还展示了在线社交网络网站如何提高吸收能力和信息管理的方法。

社交网络、网站、创新、吸收、能力、绩效、酒店

研究型论文

The purpose of this paper is to examine selection factors among multi-ethnic customers in Malaysian Islamic banking industry. The information is important to reinforce the argument that ethnicity could become significant factor in determining customer behaviour.

This study uses quantitative approach by using questionnaire (Likert scale) to measure respondents ranking of 25 selection factors. A total of 272 valid responses were generated from 450 questionnaires distributed, with 60.4% response rate. The methods of analysis used are descriptive analysis, factor analysis and Kruskal–Wallis test.

The findings revealed five selection factors (religious and ethical, services and convenience, service quality and benefit, external and operational and charges), with religious and ethical factor as the most important criteria for Malay customers. As for Chinese and Indian customers, they chose services and convenience factor.

This study is conducted to gain new insights on the perception of multi-ethnic banking customers in Malaysia towards Islamic banks and how cultural differences might affect their decisions. The findings are important for further development of the Islamic banking industry in Malaysia considering ethnicity has a major impact on the society. The acknowledgement of similarities and differences between the ethnic groups could strengthen the relationship with the Islamic banking customers. Furthermore, incorporation of ethnicity factor in bank’s marketing strategies is important to secure competitive advantage particularly in dual banking system such as in Malaysia.