E-SERVQUAL and Its Impact on the Performance of Islamic Banks in Malaysia from the Customer’s Perspective

Hasnan Baber 한국유통과학회 2019 The Journal of Asian Finance, Economics and Busine Vol.6 No.1

Service quality has been a point of discussion from the decades as it is important for customer satisfaction, loyalty and retention. Various models have been proposed to measure the quality in the service sector. Models are modified in accordance with context and geography to assess the quality of service better. This study aims to investigate the impact of the modified e-SERVQUAL model on the customer perception about the existing relation and potential scope of doing business with a bank which in-turn will decide the performance of the bank. Statistical data was analyzed through various tests like reliability analysis, correlation and regression analysis using SPSS 25.0. The primary data of e-SQ and performance was gathered from 721 internet banking users using 32 item questionnaire, representing 72% response rates, of four selected Islamic banks of Malaysia. E-SERQUAL was modified by adding Shariah Compliance information about banks and products for Islamic banking customers. The finding specified that efficient & reliable services, fulfillment, security/trust, and Shariah compliance information have a significant association with the performance of Islamic banks. The research is original and its implications will be helpful for Islamic banks across the world to enhance the online experience of customers, which will help them to retain the customers in the rapid changing virtual environment.

Is Fintech a Solution for Financial Inclusion and Women Empowerment?

Hasnan BABER 한국유통과학회 2018 KODISA ICBE (International Conference on Business Vol.2018 No.-

Financial Inclusion seems to be light at the end of the tunnel to achieve the millennium development goals (MDGs) which can eradicate the poverty and help people to come out of abject poor condition. On the other hand, Financial Technology (FinTech) is spreading at a fast pace and accessed by the masses. Thus, this technological innovation which helps to deliver financial services more conveniently and efficiently can hold the key for financial inclusion and women empowerment through financial inclusion. This study used data from World Bank’s 2017 Global Findex report and tried to find a relation between FinTech and financial inclusion from 144 countries. Few parameters from the report were taken to measure the financial inclusion variable and some indicators were selected to assess the FinTech reach. The results suggested that there is a strong relationship between independent variable FinTech and dependent variable financial inclusion for the whole population and women population alone. The study also found that low-income countries are financially excluded while as high-income countries are more inclusive except few exceptions. The study will help to understand the impact of FinTech on the inclusion of excluded population from the financial system and can act as a solution for reducing poverty and women empowerment.

Religion and Banking : A Study of Islamic Finance in India

Hasnan Baber,Chinar Zaruova 한국유통과학회 2018 The Journal of Industrial Distribution & Business( Vol.9 No.6

Purpose - The purpose of this paper is to elucidate the limelight question ‘why India should open arms for Islamic banking?’. Research design, data, and methodology - The paper is theoretical and conceptual in nature and provides results based on significant literature review. Results - This paper will start with the discussion why Islamic name does not make it only for Muslims?, then its features and how it can improve India’s current economic situation. Also this study will analyze the ability of Islamic finance to act as Micro-finance tool by including people who does not participate in economic activities. This paper also concludes that why religious issue should be sidelined in order to accept Islamic finance for empowerment of Muslim and non-Muslim minorities which live in abject poor conditions. Conclusions - Islamic finance has lot of merits which cannot be ignored by only looking at the name and believing that it is only for Muslims. Indian economic system needs a financial system which will work for welfare and not for profit to help poor communities in coming out of poverty. Interest free loans and micro-finance tools are the only way to help below poverty line population to raise their income level.

Expression of Bax and Bcl-2 in Tumour Cells and Blood Vessels of Breast Cancer and their Association with Angiogenesis and Hormonal Receptors

Jaafar, Hasnan,Abdullah, Suhaila,Murtey, Mogana Das,Idris, Fauziah M. Asian Pacific Journal of Cancer Prevention 2012 Asian Pacific journal of cancer prevention Vol.13 No.8

A total of 96 cases of invasive breast ductal carcinoma were examined for immunohistochemical expression of Bax and Bcl-2 in the epithelial tumor cells and endothelial cells of the blood vessels. We also investigated the association between both proteins in the epithelium in relation to tumor characteristics such as tumor size, grade, lymph node involvement, microvessel density (MVD), hormonal receptors expression and c-erbB-2 overexpression. Bax expression showed a significant association between tumor and endothelial cells (p<0.001) while Bcl-2 expression in tumor cells was inversely associated with that in the endothelial cells (p<0.001). Expression of Bcl-2 in tumor cells was strongly associated with expression of estrogen and progesterone receptors (p=0.003 and p=0.004, respectively). In addition, intratumoral MVD was significantly higher than peritumoral MVD (p<0.001) but not associated with Bax or Bcl-2 expression and other tumor characteristics. We concluded that the number of endothelial cells undergoing apoptosis was in direct linkage with the number of apoptotic tumor cells. Anti-apoptotic activity of the surviving tumor cells appears to propagate cancer progression and this was influenced by the hormonal status of the cells. Tumor angiogenesis was especially promoted in the intratumoral region and angiogenesis was independent of anti-apoptotic activity.

A framework for Crowdfunding platforms to match services between funders and fundraisers

Baber Hasnan 한국유통과학회 2019 The Journal of Industrial Distribution & Business( Vol.10 No.4

Purpose - A framework is suggested in this paper which will help crowdfunding platforms to match projects according to expectations of funders, leading to successful campaigns and thus increase the profitability of the crowdfunding platform. Research design, data, and methodology – The paper is theoretical and conceptual in nature which proposes a model for crowdfunding platforms to match expectations of crowds with project fundraisers. Results - Crowdfunding platforms are going through incremental innovations in order to match customer (funders and fundraisers) expectations. Leading crowdfunding platforms like Kickstart holds benchmark for other players in the market but the secret of success lies in matching quality projects with the appropriate funders. Crowdfunding platforms have to securitize the projects and allow only quality projects but also provide a wide range of options for funders. Thus, to manage this trade-off between quality and quantity of options, a framework is proposed. Conclusions - Crowdfunding platforms have to adopt a model which will help them in providing a perfect match between crowds and fundraisers. Each member of the crowd and every project will be assigned a category and rating based on the past records. Securitization of projects will help to entertain only demanded projects which will reduce the number of failing campaigns.

Integration of RFID Network Planning with Xbee Network : A New Approach

Khalid Hasnan,Aftab Ahmed,Badrul-aisham,Qadir Bakhsh,Kamran Latif,Kashif Hussain 보안공학연구지원센터 2016 International Journal of Smart Home Vol.10 No.4

Radio Frequency Identification (RFID) is a wireless technology used for real time identification and data capture of items. It replaces the traditional barcode at retail shop, warehousing, logistics and supply chain management etc. The basic requirements for deploying RFID network are to know the number of readers needed, location of the readers and the efficient power setting for each reader. The optimal solution of RFID network planning problems can be achieved by the implementation of newly developed Multi-Colony Global Particle Swarm Optimization (MC-GPSO) algorithm, which computes objective functions scientifically. However owing to the limited transmission range of RFID reader, it can track and identify items within specified range only. A novel approach to integrate RFID network planning with XBee wireless mesh network was developed. It could enhance the communication range and visibility of items identification and tracking activity faster and accurate. It also increases the tracking activity of multiple items as compared to existing barcode technology. RFID system is able to reduce the product loss or shrinkage and bullwhip effect resulting to reduce the overall cost. It also reduces the time of data transfer in global network.

Distinctive Features of Advancing Breast Cancer Cells and Interactions with Surrounding Stroma Observed Under the Scanning Electron Microscope

Jaafar, Hasnan,Sharif, Sharifah Emilia Tuan,Murtey, Mogana Das Asian Pacific Journal of Cancer Prevention 2012 Asian Pacific journal of cancer prevention Vol.13 No.4

Breast cancer cells undergo transformation when they spread into surrounding tissues. Studies have shown that cancer cells undergo surface alterations and interact with the surrounding microenvironment during the invasion process. The aim of the present study was to analyse these cancer cell surface alterations and interactions of cancer cells and stroma. Twenty 1-methyl-1-nitrosourea-induced breast cancer samples taken from five rats were fixed in McDowell-Trump fixative and then washed in 0.1 M phosphate buffer. The samples were then treated with osmium tetroxide before being washed in distilled water and subsequently dehydrated through graded ethanols. The dehydrated samples were immersed in hexamethyldisilazane (HMDS), then following removal of excess HMDS, the samples were air dried at room temperature in a dessicator. The dried samples were mounted onto specimen stubs and coated with gold coater before being viewed under a scanning electron microscope. We detected the presence of membrane ruffles on the surface of cancer cells and the formation of unique surface membrane protrusions to enhance movement and adhesion to the surrounding stroma during the process of invasion. Advancing cancer cells demonstrated formation of lamellipodia and invadopodia. The stroma at the advancing edge was desmoplastic with many collagen fibres laid down near the cancer cells. Our data suggest that all of these abnormalities could act as hallmarks of invasiveness for breast cancer.

NEW TRENDS IN GLOBAL POLITICAL DEVELOPMENT AND THEIR IMPLICATIONS FOR EAST ASIA

Habib, A. Hasnan The Institute for Far Eastern Studies Kyungnam Uni 1989 ASIAN PERSPECTIVE Vol.13 No.1

NEW TRENDS IN GLOBAL POLITICAL DEVELOPMENT AND THEIR IMPLICATIONS FOR EAST ASIA

Habib, A Hasnan 경남대학교 극동문제연구소 1989 ASIAN PERSPECTIVE Vol.13 No.1

Emerging polymeric-based material with photocatalytic functionality for sustainable technologies

Nur Shamimie Nadzwin Hasnan,Mohamad Azuwa Mohamed,Nornastasha Azida Anuar,Muhamad Firdaus Abdul Sukur,Siti Fairus Mohd Yusoff,Wan Nur Aini Wan Mokhtar,Zul Adlan Mohd Hir,Norshahidatul Akmar Mohd Shoha 한국공업화학회 2022 Journal of Industrial and Engineering Chemistry Vol.113 No.-

A variety of polymer-based photocatalysts for the highest photocatalytic activity through various modificationsand improvements such as doping, treatment with the oxidising or reducing agent, and integratinganother nanomaterial into the polymer photocatalysts composite are extensively studied. Furthermore, the most common issues on polymer-based photocatalysts, including wide band gap andhigh recombination rate of charge carriers, still need to be improved to yield high photocatalytic activity. Besides hydrogen evolution through the water splitting system, focus also has been paid to photocatalyticfor CO2 reduction, photodegradation of pollutants, photocatalytic chemical synthesis, and photocatalyticnitrogen fixation. This review attempts to reveal the secret of properties, issues, and enhancements, principallyin polymer photocatalysts, besides highlighting the reason for polymeric material as a critical nonmetal-based photocatalyst for various photocatalytic reactions, as well as conducting polymeric materialwith photocatalytic functionality.