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Though halal-related services have been discussed in tourism services literature, exploratory study in this area is not enough, particularly in non-Muslim tourists’ perspectives. This study aims to investigate the impact of non-Muslim tourists’ perceptions of halal products or services on their loyalty of intention for halal tourism destination.

Structured questionnaires are used for collecting data from non-Muslim tourists. SmartPLS is used in this study for data analysis.

The results find that banning non-halal services and implementing halal food product services are significantly related to trip experience and trip value. General halal services are positively related to trip value, whereas trip experience is not associated with it. In addition, trip experience and trip value have a significant impact on satisfaction. The results also find that tourists’ loyalty intention is attributed to satisfaction of non-Muslim tourists. `

The study reveals new insight into halal tourism in the perspective of non-Muslim tourists’ halal products or service toward their future travel to halal destination. The contribution of this study is important for tourism operators, managers and marketers of destination tourism with a direct/indirect leadership to improve the tourism destination for non-Muslim tourists’ perceptions.

尽管旅游服务文献中讨论了与清真相关的服务, 但在这一领域进行的探索性研究还不够, 尤其是从非穆斯林游客的角度。这项研究调查了非穆斯林游客对清真产品或服务的感知对其清真旅游目的地忠诚度的影响。

结构性问卷用于从非穆斯林游客中收集数据。本研究中使用SmartPLS软件进行数据分析。

结构分析的结果发现, 禁止非清真服务和清真食品服务与旅行体验和旅行价值显著相关。普通的清真服务与旅行价值成正相关, 而旅行体验却与此无关。另外, 旅行体验和旅行价值对满意度有重要影响。结果还发现, 游客的忠诚度归因于非穆斯林游客的满意度。

该研究从非穆斯林游客的清真产品或服务出发, 为他们未来前往清真目的地提供了清真旅游的新见解。对于直接/间接领导以改善非穆斯林游客感知的旅游目的地的旅游经营者、目的地旅游管理者和营销者而言, 这项研究的贡献非常重要。

– Aunque existen estudios que tratan sobre los servicios relacionados con el halal en la literatura de servicios turísticos, el estudio exploratorio en esta área no es suficiente, particularmente desde las perspectivas de los turistas no musulmanes. Este estudio investiga el impacto de los productos o servicios halal sobre las percepciones de los turistas no musulmanes en su intención de lealtad hacia el destino de turismo halal.

– Los cuestionarios estructurales se utilizan para recopilar datos de turistas no musulmanes. SmartPLS se utiliza en este estudio para el análisis de datos.

– Los resultados del análisis estructural encuentran que prohibir los servicios no halal y los servicios de productos alimenticios halal, están significativamente relacionados con la experiencia y el valor del viaje. Los servicios halal generales están positivamente relacionados con el valor del viaje, mientras que la experiencia del viaje no se asoció con él. Además, la experiencia y el valor del viaje tienen un impacto significativo en la satisfacción. Los resultados, también encontraron que la intención de lealtad de los turistas se atribuye a la satisfacción de los turistas no musulmanes.

– El estudio revela una nueva visión hacía el turismo halal, desde la perspectiva del turista no musulmán hacía los productos o servicios halal, en su futuro viaje a un destino halal. La contribución de este estudio es importante para los operadores turísticos, gerentes y comercializadores del turismo de destino con liderazgo directo/indirecto para mejorar el destino turístico de las percepciones de los turistas no musulmanes.

Human resources (HR) management has encountered unforeseen obstacles and issues in recruiting, retaining, training and developing workforces under the “new normal” due to pandemic circumstances followed by the Russo–Ukrainian War and global economic turmoil. As the world is now well-equipped with technological advancements and internet-based connectivity, many pandemic disruptions have been avoided through rapid adaptation of technological systems. Despite the constructive outcomes of this contemporary approach to learning and development (L&D), this study explores the further depths of massive open online courses (MOOC) platform adoption in human resource development initiatives during pandemic times.

A qualitative research approach was adopted to understand the employee and HR perspective on the changes in L&D approaches in organizations. To gather the primary data, respondents were divided into two clusters; different sets of questionnaires were developed for interview sessions.

Results suggest that employee L&D was much more improvised with distance or online learning, including organizational e-learning systems and MOOC platforms. To accomplish their HR development goals, organizations went through significant transformations during the Coronavirus pandemic; organizational attempts to initiate online training and MOOC-based learning fostered positive results in employee capacity development, process improvement, employee engagement and motivation.

This research will assist organizations in developing interactive training methods as an effective replacement for traditional training. Additionally, it will assist readers, practitioners and HR specialists in understanding how MOOCs are changing the L&D ecosystem.

This study aims to explore the underlying issues of behavioural biases in relation to stock market participation and the challenges of individual investors in Bangladesh. The study identifies behavioural biases affecting individuals’ stock market participation, their circumvention strategies and the importance of financial knowledge in encouraging the participation of individuals in the stock market.

Semi-structured interviews were used in this study to gather information from industry researchers, individual investors, brokers and institutional advisors. Twenty-two experts were contacted, and 13 agreed to participate in the interviews. The study then uses the thematic analysis method to report its findings.

This research shows that investors’ behavioural biases (such as loss aversion, herding, trust, gambler’s fallacy and risk tolerance) are among Bangladesh’s primary drivers of stock market participation. Circumvention strategies (such as poor corporate governance and agency costs) also play a part in individuals’ participation. These influences are in addition to the obvious factors of investment risks, poor infrastructure, poor regulation enforcement and the need for more sufficient investment products.

This study conducted 13 interviews with expert subjects, which is a small sample size. However, the findings achieved saturation and cannot be ignored. Future research should use quantitative or experimental methods with a large sample size to validate the current findings.

This study is pioneering in the Bangladesh stock market, exploring the behavioural biases of investors’ participation in the market. This paper provides valuable insights into investor participation by discovering the underlying behavioural biases that have been continually ignored; these insights may also be relevant in frontier markets in Asian countries.

This study aims to understand the importance and challenges of adopting artificial intelligence (AI) in the banking industry in Malaysia and examine the factors that are important in investigating consumers' intention to adopt AI in banking services.

The qualitative research was carried out using in-depth interviews from officials in the baking industry to understand the importance and challenges of adopting AI in the banking industry. In the quantitative study, a total of 302 completed questionnaires were received from Malaysian banking customers. The data were analysed using the SmartPLS 3.0 software to identify the important predictors of their intention to adopt AI.

The qualitative results reveal that AI is an essential tool for fraud detection and risk prevention. The absence of regulatory requirements, data privacy and security, and lack of relevant skills and IT infrastructure are significant challenges of AI adoption. The quantitative results indicate that attitude towards AI, perceived usefulness, perceived risk, perceived trust, and subjective norms significantly influence intention to adopt AI in banking services while perceived ease of use and awareness do not. The results also show that attitude towards AI significantly mediates the relationship between perceived usefulness and intention to adopt AI in banking services.

Financial technology (FinTech) is regarded as a critical determinant of strategic planning in the banking industry. While AI provides various disruptive opportunities in the FinTech space in terms of data collection, analysis, safeguarding and streamlining processes, it also poses a sea of threats to incumbent banks. This study provides vital insights for the policymakers of the banking industry to address the challenges of adopting AI in banking. It also provides the important predictors of the bank customers' intention to adopt AI in banking services. Policymakers can devise their strategies to enhance AI adoption considering the facts.

This study is amongst the pioneer in exploring the importance and potential challenges in implementing AI technology in banking services and identifying the essential factors influencing the intention to adopt AI in Malaysia's banking services.

The purpose of this paper is to develop a model for studying the propensity towards indebtedness in Malaysia using behavioural factors.

A self-administered questionnaire was distributed among Malaysians who work in Klang Valley, Kuala Lumpur. The questionnaire contained several demographic variables and four behavioural factors: financial literacy, risk perception, materialism and emotions. A total of 201 completed questionnaires were received and the data were tested using structural equation modelling with partial least squares.

This study found that emotion and materialism are statistically significant for a propensity towards indebtedness, while financial literacy and risk perceptions are insignificant for a propensity towards indebtedness.

The results of this study would be useful in helping design better models for credit offerings and addressing credit problems in the long run.

The purpose of this paper is to examine the impact of trade openness on the cost of financial intermediation and bank performance. Developed and developing countries are currently pursuing trade openness to achieve higher bank performance with less intermediation costs.

In attaining the study's objectives, several regression methodologies were employed (i.e. system generalized method of moments (GMM), fixed effect, pooled ordinary least squares (OLS) and vector error correction model (VECM)). The authors tested the hypothesis on data of 885 banks from BRICS countries, which span 18 years (2000–2017).

The results from this robust study showed that embedding higher trade openness reduces financial intermediation costs and improves banks' performance. The results remain robust following the use of different estimation methods and alternative variables as proxies. In addition, results were still valid upon considering bank level, industry level and country level as control variables. It was also observed that the relation pattern holds its rigidity during “good” and “bad” times (i.e. the global financial crisis).

The results provide better references for bank regulators, academics and policymakers to take advantage of the low financial intermediation costs resulting from trade openness.

Several research models have been proposed in the existing literature to understand the intention to use Islamic banking where conventional bank customers are not primarily addressed. Upon measuring the level of Islamic financial literacy (IFL) among the customers of conventional banks in the UAE, the purpose of this paper is to examine the direct and indirect effects of IFL, awareness, cost and benefit, reputation and attitude towards Islamic banking on the intention of potential customers to use Islamic banking.

Using judgmental sampling techniques, questionnaires were distributed to working individuals who did not have accounts with Islamic banks. A total of 350 completed and usable questionnaires were received and used for further analysis. The SmartPLS 3.0 software was used to analyse the data.

The results revealed that the level of IFL was high across the respondents and differed significantly as a function of gender, income level and years of work experience. The findings showed that IFL, awareness, reputation and attitude towards Islamic banking significantly influenced the intention to use Islamic banking, while cost and benefit appear not to. Interestingly, IFL was negatively correlated with the intention to use Islamic banking, but when the attitude towards Islamic banking mediated the relationship between IFL and the intention to use Islamic banking it then became positive.

Future research should consider looking at non-Muslim economies, which might be more vulnerable to IFL. In addition, a comparison between the current customers of Islamic banks and potential customers might be relevant to see whether the IFL of the current customers differs from the new customers.

The implications of the research are twofold. First the study suggests that IFL is crucial for an Islamic bank’s potential new customers. Islamic bank managers should design and focus their policies toward enriching the knowledge of the public about Islamic banks and their products. Second, IFL alone does not lead to a higher level of intention to use Islamic banks unless there is a positive attitude towards such banks.

To the authors’ knowledge, this is one of the first studies to consider the IFL measure used in this paper. Therefore, this study will be the foundation for future research on IFL.

The purpose of this paper is to investigate small- and medium-sized enterprises’ (SMEs) internationalisation from an emerging market perspective. It explores and applies human resource management (HRM) processes to small businesses’ internationalisation efforts in order to ascertain the extent to which human- and technology-oriented barriers to internationalisation can be better understood and their processes better managed by SMEs.

The data collection and analysis involved a mixed method technique so as to identify the two dominant barriers faced by SMEs at the employer and employee levels. By using primary survey data obtained from 212 Bangladeshi SMEs, a partial least square based structural equation model was successfully validated and its development enhanced the comparison of processes involved in managing people and technology-type barriers.

The research results highlight the importance of HRM processes in the proper management of both human and technology-type barriers, which are equally as significant to SMEs’ internationalisation.

The results highlight the urgent need for governments in emerging economies to prioritise SMEs’ internationalisation and to dedicate resources and processes in order to effectively optimise economic and social dividends. The practical, theoretical and methodological implications of the paper raise opportunities for further research in SMEs’ internationalisation and people management processes and practices as well as new policy guidelines.

The examination of the link between humans and technology is a much under-represented area in developing countries and the actual contribution of effective HRM processes in the context of SMEs’ internationalisation is missing. Applying HRM processes to these aspects serves to deepen the knowledge of small businesses’ internationalisation efforts and the contributed model enhances professional practice and theory development in these disciplines and in emerging economies.

This paper aims to identify incidences of default risks in microfinance.

Semi-structured interviews were conducted with individual borrowers in Grameen Bank. Upon completing the interview session from 40 respondents, the results of the interviews are interpreted by a comprehensive content analysis.

This study identifies the incidences of defaults in microfinance, which are post-disbursement monitoring, technical assistance, inexperienced field workers, weekly payment, accessible database, family member illness, hiding business, lack of motivation and over-stretched financial commitments. Among these incidences, the findings indicate that post-disbursement supervision is highly relevant in ensuring the success of microfinance because 80 per cent of the recipients of microfinance are illiterate women.

This study would be helpful for the investment companies, financial institutions, creditors and borrowers of microfinance. The financial institutions and investment companies need to identify borrower capacity and any obligation that may impede with repayment. It may help them to maximize returns on profit and minimize the risk of losses which contribute to economic growth.

This paper aims to examine the extent to which corporate board attributes influence dividend payout policies.

A total number of 2,842 firm’s year-observations of Malaysian non-financial firms representing from various industries. The firms were scrutinized over a period of 14 financial years covering from 2005 to 2018. The data was in a panel form given the cross-sectional and time-series nature. The fixed effect is used as the main technique for analysis. The OLS and random effects techniques are used for robustness for this study.

The results revealed that the proportion of board independence, board tenure, board size and CEO duality have a positive and statistically mixed effect on dividend pay-out. However, the corporate board diversity and board member age had a negative association with dividend payouts. Overall, the results suggest that firms with well-organized corporate board attribute affect positively on dividend pay-out policy.

This research contributes to a nuanced understanding of internal governance mechanisms by presenting evidence of the substitution hypothesis in an emerging economy in which firms operate within a unique regulatory framework and board composition.