All Outputs (26)

Behavioral biases and over-indebtedness in consumer credit: Evidence from Malaysia (2025)
Journal Article

Over-indebtedness in relation to consumer loans represents an important issue for consumers as it impacts their financial well-being. Identifying the risk factors associated with over-indebtedness is crucial in overcoming this problem. Existing liter... Read More about Behavioral biases and over-indebtedness in consumer credit: Evidence from Malaysia.

Determinants of microenterprise performance among microcredit clients in urban areas of Malaysia (2023)
Journal Article

As one of the anti-poverty instruments, the potential of microenterprise in improving livelihoods through the promotion of self-employment activities and micro-entrepreneurship appears to have been increasing over time including in Malaysia. Therefor... Read More about Determinants of microenterprise performance among microcredit clients in urban areas of Malaysia.

Behavioural biases and credit card repayments among Malaysians (2023)
Journal Article

Analyses done using the survey response of 451 credit cardholders in the northern region of West Malaysia have shown that credit cardholder repayment pattern differed based on their demographic profile. Specifically, the study found that credit cardh... Read More about Behavioural biases and credit card repayments among Malaysians.

Determinants of financial resilience: Insights from an emerging economy (2023)
Journal Article

The Organisation for Economic Co-operation and Development Financial Literacy Survey of 2018 response is used to study the impact of financial knowledge, financial inclusion, and socio-demographic characteristics on financial resilience. The measurem... Read More about Determinants of financial resilience: Insights from an emerging economy.

Financial literacy in Malaysia, 2015–2018 (2022)
Journal Article

This paper provides an overview of the state of financial literacy of Malaysians using data from the OECD (INFE) Financial Literacy Survey conducted in the year 2015 and 2018. Besides the three components of financial literacy, namely, financial know... Read More about Financial literacy in Malaysia, 2015–2018.

Impact of foreign ownership on market power: Do regional banks behave differently in ASEAN countries? (2021)
Journal Article

The change in crossborder financial intermediation and rise in regional banking have consequences for competitive conduct in emerging countries' banking markets. Using data from the Association of Southeast Asian Nations countries' banks during 2011–... Read More about Impact of foreign ownership on market power: Do regional banks behave differently in ASEAN countries?.

Information disclosure and credit card repayments: Evidence from Malaysia (2021)
Journal Article

Purpose: This study analyzes the role of information disclosure in influencing credit card repayments by focusing on three intervention methods for improving repayment decisions among credit cardholders. Design/methodology/approach: This study uses t... Read More about Information disclosure and credit card repayments: Evidence from Malaysia.

The effect of diversification on bank performance in dual banking system (2020)
Journal Article

This study analyses the impact of banks' diversification strategies on their risk-adjusted performance using the sample of commercial banks in 22 Muslim countries with dual banking system during 2000-2016. Islamic banks' performance is more strongly... Read More about The effect of diversification on bank performance in dual banking system.

Financial literacy, money management skill and credit card repayments (2020)
Journal Article

This paper studies the relationship between socio-economic factors, financial literacy, money management skill, overspending and impulsiveness on credit card repayment decisions. Analysis based on a sample of 451 credit card users in Malaysia showed... Read More about Financial literacy, money management skill and credit card repayments.

Competition, diversification and performance in dual banking: A panel VAR analysis (2020)
Journal Article

This article investigates the dynamic relationship among competition, diversification and bank performance using data for 18 countries with a dual banking system over the period 2000 to 2016. Analyses using panel vector autoregression (P.V.A.R.) mode... Read More about Competition, diversification and performance in dual banking: A panel VAR analysis.

Bank lending and the business cycle: Does ownership matter in ASEAN countries? (2020)
Journal Article

We analyze the lending cyclicality of 213 ASEAN commercial banks over the period 2001–2015. The findings indicate that lending by private banks is procyclical while lending by state banks is countercyclical. Long-term liabilities also move countercyc... Read More about Bank lending and the business cycle: Does ownership matter in ASEAN countries?.

Monetary policy, bank ownership, and the lending channel: Evidence from ASEAN (2019)
Journal Article

This paper examines the effectiveness of bank lending channels in ASEAN countries. The main objective of this paper is to identify whether the effectiveness of banklending channels in ASEAN differs based on the countries’ financial structure, banks’... Read More about Monetary policy, bank ownership, and the lending channel: Evidence from ASEAN.

Bank-lending channel of monetary policy transmission: Evidence from ASEAN (2019)
Journal Article

This article examines the existence of a bank-lending channel in Association of Southeast Asian Nations (ASEAN) using a sample of 328 banks from 2009 to 2015. The findings confirm that a bank-lending channel is effective. In particular, we find that... Read More about Bank-lending channel of monetary policy transmission: Evidence from ASEAN.

Training, research and development, and spillover effects of foreign direct investment: A study on labour productivity in Malaysian manufacturing industry (2019)
Journal Article

Using 2-digit levels of panel data set from 16 manufacturing industries during the period of 2000-2014, the present study adds to the literature by presenting new evidence at the industry level. We investigated the impact of training and research and... Read More about Training, research and development, and spillover effects of foreign direct investment: A study on labour productivity in Malaysian manufacturing industry.

Comparing service quality in public vs private distance education institutions: Evidence based on Malaysia (2019)
Journal Article

Assessment of the quality of distance education institutions has become an important issue that needs to be addressed to ensure program survival. This study uses SERVPERF model to identify the differences that exists in students’ perception of servic... Read More about Comparing service quality in public vs private distance education institutions: Evidence based on Malaysia.

The effect of market structure on banks’ profitability and stability: Evidence from ASEAN-5 Countries (2017)
Journal Article

This paper analyses the effect of market structure on profitability and stability using the sample of 130 commercial banks in ASEAN-5 countries (Indonesia, Malaysia, Philippines, Singapore and Thailand) over the period from 2001 to 2013. More specifi... Read More about The effect of market structure on banks’ profitability and stability: Evidence from ASEAN-5 Countries.

Market discipline and bank risk taking: Evidence from the East Asian banking sector (2017)
Journal Article

The third pillar of the Basel II highlights the role of market discipline in easing the existing pressure on traditional monitoring measures like capital requirement and government supervision. This study test the effectiveness of market discipline i... Read More about Market discipline and bank risk taking: Evidence from the East Asian banking sector.

The effects of over-education on returns in the graduate labour market (2016)
Presentation / Conference Contribution

Using a Household Income Survey (HIS), this study examines the private returns to education in Malaysian
financial sector. First, we estimate the private returns to education using the highest certificate qualification or
“sheepskin effects". Sec... Read More about The effects of over-education on returns in the graduate labour market.

An empirical study on the effect of service quality on student satisfaction in Malaysian distance education institutions (2016)
Journal Article

Objective-This paper uses SERVQUAL to assess service quality in distance education institutions in Malaysia and investigate the relationship between service quality and satisfaction. Methodology/Technique-Self-administered questionnaire method is use... Read More about An empirical study on the effect of service quality on student satisfaction in Malaysian distance education institutions.

Is ASEAN ready for banking integration? Evidence from interest rate convergence (2016)
Journal Article

Convergence in prices or returns of assets with similar characteristics indicates that the financial market is integrated with regional markets. This paper is the first that test of the movements of interest rates in ASEAN banking sector for the peri... Read More about Is ASEAN ready for banking integration? Evidence from interest rate convergence.