Research Proposal Affin - Complete

8/12/2019 Research Proposal Affin - Complete

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Table of Contents

Table of Contents...................................................................................................................1

SECTION ONE: INTRODUCTION..........................................................................................3

1.1 RESEARCH TOPIC......................................................................................................3

1.2 ABSTRACT...................................................................................................................3

1.3 INTRODUCTION.......................................................................................................... 3

1.4 PROBLE STATEENT ! SCENARIO........................................................................"

1." RESEARCH OB#ECTI$E............................................................................................."

1.% RESEARCH &UESTION..............................................................................................%

1.' SI(NI)ICANT O) STUD*............................................................................................%

1.+ LIITATION..................................................................................................................'

1., SCOPE O) STUD*......................................................................................................'

1.1- H*POTHESIS THEOR*.............................................................................................+

SECTION TO: LITERATURE RE$IE.............................................................................1-

SECTION )OUR: RESEARCH DESI(N AND ETHODOLO(* ........................................13

4.1 DATA COLLECTION...................................................................................................13

4.2 SAPLIN( )RAE....................................................................................................14

4.3 $ARIABLES AND EASUREENT...........................................................................14

4.4 DATA ANAL*SIS........................................................................................................1"

SECTION )I$E: CONCLUSION...........................................................................................1+

RE)ERENCES.....................................................................................................................1,

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SECTION ONE: INTRODUCTION

1.1 RESEARCH TOPIC

0Isses an Pose5t 6n I7le7ent6n/ Dal Ban86n/ S9ste7 6n Aff6n Ban8 Bea:

Case St9 on H6e P5ase Cente of Aff6n Ban8 P# SS2 Ban5;.

1.2 ABSTRACT

ala9s6a 6s a leae fo Isla765 ban86n/< =65 as been a5t656n/ Isla765 ban86n/

s6n5e 1,+3 =6t te aot6on of Isla765 Ban86n/ A5t. Dal ban86n/ s9ste7 6s Isla765

ban86n/ s9ste7 oeat6n/ aallel =6t te 5on>ent6onal s9ste7. ala9s6a 6s 5entl9

a>6n/ a s6/n6f65ant n7be of Isla765 ban86n/ 6nst6tt6ons 6n5l6n/ fll?fle/e

Isla765 ban8s< Isla765 ban86n/ =6no=s an Isla765 ban86n/ sbs66a6es.

D6n/ te f6st ten 9eas of Isla765 ban86n/ s9ste7 6n ala9s6a @1,+3?1,,4< Isla765

6e?5ase =as not fll9 e>eloe 9et e>en to/ 6a fa56l6t9 a alea9

been 6nto5e 6n te 7a8et. Te 6ea of Isla765 6e 5ase 5a7e 6nto eal6t9

=en te s5olas 6nto5e a ne= o5t >6a eason6n/ @6t6 base on te

Isla765 ta6t6onal 5onta5t of 6a an al?ba9.

Re5entl9< 7an9 a/e tat Isla765 6e 5ase f6nan56n/ @AITAB 6s s67l9 a

5abon 5o9 of te 5on>ent6onal 6e?5ase 6nst7ent as 6t 6s 7a6nl9 base on

te 5on>ent6onal H6e P5ase A5t 1,%'. Be5ase of tat< t6s st9 6s 5on5te to

6n>est6/ate te 6sses tat nee to be aesse to esol>e te e6st6n/ 6sses 6n

Isla765 6e 5ase 67le7entat6on 6n al ban86n/ s9ste7 ese56all9 6n Aff6n

Ban86n/ (o.

1.3 INTRODUCTION

In ala9s6a< te f6st Isla765 ban8< Ban8 Isla7 ala9s6a Bea @BIB 6s te onl9

Isla765 ban8 =as oeate s6n5e 1,+3. Afte 1- 9eas< te /o>en7ent allo=e ote

5on>ent6onal ban8s to offe Isla765 ban86n/ se>65es s6n/ te6 6nfast5te an

ban5es 6n 1,,3 FBan8 Ne/aa ala9s6a @BN< 1,,4 an 1,,,G. Te /o>en7ent

e56e to allo= te 5on>ent6onal ban86n/ 6nst6tt6ons to offe Isla765 ban86n/

se>65es o 0Isla765 =6no=s; be5ase t6s =as to/t to be te 7ost effe5t6>e an

eff656ent 7oe of 6n5eas6n/ te n7be of 6nst6tt6ons offe6n/ Isla765 ban86n/

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o>6es se>eal e5o77enat6ons fo fte 67o>e7ent of te Isla765 6e

5ase 67le7entat6on.

1.4 PROBE! STATE!ENT " SCENARIO

ala9s6a as e7e/e as te f6st 5ont9 to 67le7ent a al ban86n/ s9ste7 =ee

Isla765 ban86n/ s9ste7 oeates s6e?b9?s6e =6t te 5on>ent6onal ban86n/ s9ste7.

Te Isla765 ban86n/ s9ste7 5o76ses fll?fle/e Isla765 ban8s an Isla765

=6no=s =6t6n te 5on>ent6onal ban86n/ 6nst6tt6ons. Aff6n Ban8 fo H6e P5ase

Cente =as 5ate/o6e 6n a5t6s6n/ al ban86n/ s9ste7 as Isla765 =6no=s< bt

Aff6n Isla765 Ban8 =as 5ate/o6e as fll?fle/e Isla765 ban8. S6n5e 9ea 1,,,6n/ se>eal 6sses

e/a6n/ 6ts oeat6on @6.e.< La586n/ 6n Sa6a fa7e=o8< o=nes6 an tansfe of

o=nes6< 7a6ntenan5e an 6nsan5e esons6b6l6t9< eos6t a97ent< enalt9 6n

5ase of efalt< le/al teat7ent< 6ntent6on an la58 of nestan6n/ of at6es6n/

a oble7 e to te n6Keness of te ban5. 6t6n 6n te sa7e oof< at te

ban86n/ all< 6ts oeate onl9 as Aff6n Isla765 Ban8 @fll?fle/e Isla765 ban8

=eeas at te se5on an t6 floo< 6ts oeate as Aff6n Ban8 @Isla765 =6no= as

H6e P5ase Cente. Be5ase of t6s< tees a lots of 6sses a6se e/a6n/ t6s

al ban86n/ a5t65e at P# SS2 ban5. )te7oe te esea5e 6s at of te

7ana/e7ent as e 6s 5entl9 ol6n/ te ost of an ee5t6>e to te ban8. T6s 6s

te 7a6n eason =9 =e as 5osen t6s to65 as te 5ase st9.

1.# RESEARCH OB$ECTI%E

To a56e>e te a67< te follo=6n/ esea5 obe5t6>es ae fo7late:

6. To 6ent6f9 an esol>e te e6st6n/ 6sses 6n Isla765 6e 5ase

67le7entat6on 6n al ban86n/ s9ste7.

66. To eloes te ose5ts of AITAB 6n Aff6n Ban8!Aff6n Isla765 Ban8.

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666. To 6n>est6/ate te nestan6n/ an a=aeness of staffs e/a6n/ te al

ban86n/ s9ste7.

6>. To o>6es se>eal e5o77enat6ons fo fte 67o>e7ent of te Isla765

6e 5ase 6n al ban86n/ 67le7entat6on.

1.& RESEARCH 'UESTION

6. at ae te l676tat6on an oten56es of e6st6n/ 6sses 6n Isla765 6e

5ase 67le7entat6on 6n al ban86n/ s9ste7M

66. at ae te l676tat6on an oten56es of te ose5ts 6n Isla765 6e

5ase 67le7entat6on 6n al ban86n/ s9ste7M

666. at ae te l676tat6on an oten56es of te nestan6n/ an a=aeness of

staffs 6n Isla765 6e 5ase 67le7entat6on 6n al ban86n/ s9ste7M

1.( SI)NI*ICANT O* STUD+

@a To Aff6n Ban8!Aff6n Isla765 Ban8s ana/e7ent

Te st9 =6ll o>6e te 6nfo7at6on elate to te 6sses tat nee to beaesse to esol>e te e6st6n/ 6sses 6n Isla765 6e 5ase

67le7entat6on 6n al ban86n/ s9ste7. Bes6es tat< 6t els te 5o7an9 to

7a8e a e56s6on 6n =65 6sses sol be fo5se 7oe 6n oe to /ett6n/

s7oot oeat6on. T6s esea5 also 7a9 o>6e 7oe state/9 6n ta58l6n/

te 5sto7es efeen5es.

@b To Resea5e

Te esea5e =6ll /a6n 7oe benef6ts s6n5e a et anal9s6s =6ll be 7ae.

T6s =ol be >alable 6nfo7at6on to te esea5e s6n5e te9 =6ll a>e to

ee6en5e 6t.

@5 To Csto7e!Cons7e

Te 67otan5e of t6s st9 6s to el te 5sto7es 6n te7s eess6n/

te6 o6n6on< feel6n/s< e5et6on< an efeen5es abot te al ban86n/

s9ste7 6n te H6e P5ase Cente Aff6n Ban8 P# SS2 ban5. So< 6t =6ll /6>e

te benef6ts to all at6es.

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1., I!ITATION

@a Un=6ll6n/ness to eson

It 6s 67oss6ble to /et fll 5ooeat6on fo7 te esonents. T6s 6s be5ase

5eta6n esonents ae n=6ll6n/ to ans=e te Kest6ons onestl9 an

e56sel9. T6s 5an 5ont6bte a oble7 6n 5on5t6n/ te anal9s6s an b6as

o55.

@b T67e 5onsta6nt

T6s 6s =en ata 5olle5t6on ta8es la5e =ee 6t 6s not eas9 to obta6n all te

so5es tat elate to te st9. It aene =en o6n/ te 6nte>6e= =6t

te esonent an also =6t te 5o7an9. Be5ase of t67e< te eslt 7a9

be obte be5ase te esonent sele5te 7a9 not ao6ate tat 7a9

5ase fo sa7l6n/ eo.

@5 Resonent 5onsta6nt

Te esonent 7a9 not =6ll to sen a 5ons6eable t67e 6n eson6n/ to

te Kest6onna6es. Teefoe< te esonse 7a9 b6as. Tee 6s t67e l676tat6onfo f6n te e6st6n/ 5sto7e an 6ff65lt to /et t67e to 6nte>6e= =6t te

5sto7e.

@ )6nan56al

)6nan56al eso5es also be5o7e one of te 5onsta6nts to te esea5e 6n

oe to 5o7lete te st9 s6n5e tee 6s a lot of 5ost 6n5e fo te

6nt6n/< oto5o96n/ an otes.

1.- SCOPE O* STUD+

Te st9 eloes te 6sses an ose5t 6n 67le7ent6n/ al ban86n/ s9ste7 6n

Aff6n Ban8 Bea at H6e P5ase Cente P# SS2 ban5.

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1.10 H+POTHESIS THEOR+

H9otes6s 6s a lo/65all9 5one5te elat6ons6 bet=een t=o o 7oe >a6ables

eesse 6n te fo7 of a testable state7ent. Relat6ons6 ae 5one5te on te

bas6s of te net=o8 asso56at6on establ6s 6n te teoet65al fa7e=o8 fo7late fo

te esea5 st9. Te esea5e se nll an altenate 9oteses @Se8aanant st6es an esea5es ae 7ostl9 fo5se on e6st6n/ 6sses =65 6s

fo5s6n/ on la586n/ 6n Sa6a fa7e=o8< o=nes6 an tansfe of o=nes6e< tee 9oteses< one

fo ea5 oose >a6able< ae 5onst5te to ea76ne te elat6ons6 bet=een

e6st6n/ 6sses< ose5t< staffs nestan6n/ an a=aeness to=as al ban86n/

s9ste7 at H6e P5ase Cente Aff6n Ban8 P# SS2 Ban5.

O tee @3 9oteses ae esente as follo=s:

@a H9otes6s 1

H1: Tee 6s a elat6ons6 bet=een e6st6n/ 6sses to=as al ban86n/


H-: Tee 6s no elat6ons6 bet=een e6st6n/ 6sses to=as al ban86n/


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@b H9otes6s 2

H2: Tee 6s a elat6ons6 bet=een ose5ts to=as al ban86n/


H-: Tee 6s no elat6ons6 bet=een ose5ts to=as al ban86n/


@5 H9otes6s 3

H3: Tee 6s a elat6ons6 bet=een staffs nestan6n/ an a=aeness

to=as al ban86n/ s9ste7 at H6e P5ase Cente Aff6n Ban8 P#

SS2 Ban5.

H-: Tee 6s no elat6ons6 bet=een staffs nestan6n/ an a=aeness

to=as al ban86n/ s9ste7 at H6e P5ase Cente Aff6n Ban8 P#

SS2 Ban5.

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SECTION TO: ITERATURE RE%IE

Dal ban86n/ s9ste7 of ala9s6a 5eates 5o7et6t6>e en>6on7ent =ee an 6nno>at6>e

o5t l68e AITAB o>6es a>anta/es fo ban8s. Teefoe< 6t sol be 5losel9 7on6toe

to ense 6ts le/6t67a59 @El?D6n Ablla< 2--'. E7665al assess7ents on te 7e6ts of

an 6nteest?fee ban86n/ s9ste7 a>e been 6n6t6ate b9 Daat @1,++ =o so=e tat te

ban86n/ s9ste7 6n Tn6s6a be5o7es 7oe stable =6tot 6nteest?bea6n/ assets tan 6f tese

assets =ee to e6ts. Sa7a @1,,,< alee7 @2---< an Sa7a an Hassan @2--- ae

a7on/ te 7an9 st6es =65 o>6e e7665al sots on te stab6l6t9 of te Isla765

7oneta9 6nst7ents 6n a al ban86n/ s9ste7 6n ala9s6a. )o 6nstan5e< alee7 @2---

anal9se te ala9s6an ata o>e te e6o fo7 #ana9 1,,4 to De5e7be 1,,, an f6ns

tat Isla765 ban86n/ s9ste7 6s 7oe 56ses?oof e to 6ts asset?l6n8e nate. Bal=6n

@2--2 f6ns tat tee 6s a /eneal la58 of a=aeness 6n aot6n/ te best 6s8 7ana/e7ent

a5t65es 6n te Isla765 ban86n/ 6nst6tt6ons e to an eoneos bel6ef tat an Isla765 ban86te of 6ts 6nteest?fee nate< 6s not sbe5te to te 6ntenet ate fl5tat6ons. Rosl9

@1,,, f6ns tat Isla765 ban8s 6n ala9s6a ae at 6sa>anta/e 5o7ae to te

5on>ent6onal ban8s =en tee 6s an 6n5ease 6n 7a8et 6nteest ates.

Te e7e/en5e of Isla765 ban86n/ a el676nate te oles of 6ba< @s9 o 6nteest< 7a6s6

@/a7bl6n/ an /aa @n5eta6nt9 =65 =ee 67le7ente b9 5on>ent6onal ban86n/

s9ste7. On te ote an< Isla765 ban8s 5an /eneate on alal a5t6>6t6es< o7ot6n/ of6t

lost sa6n/< Kest fo st65e< et65al an san5t6f9 5onta5t @o. Ba86 anso< 2--+.

Hen5e te Isla765 ban8 6s ee5te to n a55o6n/ to sa6a 6n56les< 7ob6l6e an

t6l6e te f6nan56al eso5es fo te sa58 of sl67s< an to se>e te 77at a6?Isla7

@S6n Haon< 1,,,.

O>e te last e5ae< Isla765 6e 5ase f6nan56n/ =65 6s e5o/n6se as Al?Iaa

T77a Al?Ba9 @AITAB be5a7e te 7ost e7an6n/ o5t o>6es b9 te Isla765ban8s 6n ala9s6a. Ban8 Isla7 ala9s6a Bea 6s te f6st Isla765 ban8 6n ala9s6a tat as

67le7ente AITAB 6n 1,,"@Ablla an Ds86< 2--4. Ablla an Ds86 @2--4 also

o57ente 7an9 6sses tat Kest6on te >al66t9 of AITAB tansa5t6on fo 6nstan5eeses 6n te &aan

a6t a7on/ all Isla765 tansa5t6ons. Bt te bot 5onta5ts oes not fll9 5o7l9 Isla765

6n56les 6n 6ts eal l6fe al65at6ons @Has67 et al.< 2-12. Al7ost all of te Isla765 ban8s 6nala9s6a ae s6n/ AITAB fo b96n/ 7oto >e65les. Bt te 7e5an6s7 of AITAB oes not

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5o7l9 1-- Sa6a 6n56les. As esea5es Ablla Ds86 @2-12 a>e ela6ne

te 7e5an6s7 of AITAB f6nan56n/ 6n ala9s6a: @6 te 5l6ent fo AITAB f6nan56n/ sall9

6ent6f6es a 5a eale an sele5ts te 5a tat e nees< @66 te 5sto7e =6ll aoa5 te

ban8 fo te 5a f6nan56n/ an 7a8e an a/ee7ent to 5ase te 5a afte te ban8 as

5ase te 5a fo7 te 5a eale< @666 te ban8 5ases te 5a fo7 te eale< an

en5e eta6ns o=nes6 of te 5a =6le te 5a 6s lease to te 5l6ent fo a se56f6e e6o

of t67e< @6> on a>6n/ te o=nes6 of te >e65le< te ban8 an te 5sto7es =6ll ente

te Iaa o lease a/ee7ent< an @>6 at te en of leas6n/ tene< bot =6ll ente a se5on

5onta5t 6n =65 te 5a =6ll be sol to te sa7e 5l6ent at a/ee 65e @ISRA< 2-12J El?D6n

Ablla< 2--'.

Anote 67otant 6n65ato ete76n6n/ 5sto7es os6t6>e o ne/at6>e e5et6on 6s te6

atona/e 56te6a to=as te se>65e o>6e. In one of te eal6est atona/e st6es on

Isla765 ban86n/< Eol an El?Bo @1,+, 6s5o>ee tat te 7ost 67otant 56te6a

5ons6ee b9 5sto7es 6n aton6s6n/ Isla765 ban8s ae o>6s6on of fast an eff656ent

se>65es< te ban8s etat6on an 67a/e< an 5onf6ent6al6t9. T6s f6n6n/ 6s sote b9

Nase< #a7al an Al?at6b @1,,, =o st6e #oan6an 5sto7es sat6sfa5t6on =65

7a6nl9 fo5se on te ban8s na7e< 67a/e< 5onf6ent6al6t9 ol659 an etat6on. A st9 on

S6n/aoe b9 Haon< A7a an Plan6se8 @1,,4 e>eale tat onl9 4- e5ent of sl67

5sto7es 5ons6e el6/6on as an 67otant fa5to 6n aton66n/ ban8s. S676lal9< tee 6s

/eneal la58 of a=aeness of Isla765 ban86n/ s9ste7 a7on/ S6n/aoean 5o77n6t6es< be

te9 sl67s o non?sl67s. Tese eslts s//est tat Isla765 ban8s o not nee to el9

on te el6/6os fa5to as a state/9 6n atta5t6n/ 5sto7es< bt te9 sol fo5s 7oe on

o>6s6on of Kal6t9 an eff656ent se>65es. Ne>eteless< A7a an Haon @2--2 5on5le

tat bot el6/6os an e5ono765s ae s6/n6f65ant atona/e fa5tos a7on/ te ala9s6an

5ooate 5sto7es to=as Isla765 ban86n/ o5ts. ao6t9 of 5ooate 5sto7es

so7eo= >6e=e tat Isla765 ban8s a>e not one eno/ 6n e5at6n/ te6 5sto7es an

o7ot6n/ o5ts an se>65es. T6s 6s e>6en5e b9 te6 f6n6n/s tat %" e5ent of te

5sto7es a>e l676te 8no=le/e of Isla765 ban86n/ o5ts an se>65es.

AITAB as no se56f65 la= an 6ts al65at6on 6s base on te 5on>ent6onal H6e P5ase

A5t 1,%'. As Con/ @2--, note tat 5on>ent6onal an Isla765 6e 5ase ae not

s6/n6f65antl9 6ffeent. Ho=e>e< A9b @2--' as o57ente tat Isla765 f6nan5e eets

bel6e>e Iaa as enless otent6al as an altenat6>e to 6nteest base f6nan56n/ 6n ese5t of

e>ol>6n/ a Sa6a?5o7l6ant f6nan56al s9ste7.

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SECTION THREE: THEORETICA *RA!EOR/

Te >a6ables se 6n t6s st9 5an be 5ate/o6e 6nto t=o 7a6n t9es =65 ae te

eenent an 6neenent >a6ables.

Deenent %aable

Te eenent >a6able fo t6s st9 6s 67le7ent6n/ al ban86n/ s9ste7 6n Aff6n Ban8

Bea at H6e P5ase Cente P# SS2 ban5

Ineenent %aable.

)o t6s st9< tee ae tee >a6ables tat nee to be 7ease. Tee ae e6st6n/ 6ssese fa7e=o8 tat se56f6es te at65las fo 5on5t6n/ te esea5. In t6s 5ate< 6t

=6ll ela6n te ata 5olle5t6on 7eto< sa7l6n/ te5n6Kes an >a6ables.

Te obe5t6>e of t6s st9 =as to /ate 6nfo7at6on on te st9 to ea76ne te elat6ons6

bet=een e6st6n/ 6sses< ose5t< staffs nestan6n/ an a=aeness to=as al

ban86n/ s9ste7 at H6e P5ase Cente Aff6n Ban8 P# SS2 Ban5.

4.1 DATA COECTION

It 6s not an eas9 tas8 to o5e a 5on>6n56n/ eot state7ent o 5on5ls6on. One

=a9 to a56e>e t6s 6s to/ ata 5olle5t6on 7eto. T6s st9 ef6nes ata

5olle5t6on 7eto as a =a9 of /ate6n/ an 5o7let6n/ ata to be tansfo7e o

5an/e 6nto 7oe sefl an 7ean6n/fl 6nfo7at6on.

A55o6n/ to Se8aan @2--%< ata 5olle5t6on 7eto 6n5les fa5e?to?fa5e 6nte>6e=6e=< an esonall9 a76n6stee Kest6onna6es< ele5ton65 7a6lent6onal 7a6l o obse>at6ons.

4.1.1 P67a9 Data

A. Personal Observation and Analysis

As 7ent6one 6n te Poble7 State7ent 6n eal6e< te esea5e 6s blesse

s6n5e e 6s ao6nte as an e7lo9ee 6n te 5o7an9. Teefoe te

esea5e 6s 6>6le/e to 5onf6ent6al 6nfo7at6on an ata. Te esea5e

as fll ba586n/ to efo7 t6s esea5 an t6s ae =ol be of s6/n6f65ant

bas6s fo te 5o7an9 to 7a8e 6ts e56s6on a55o6n/l9. In fa5t te f6n6n/san anal9s6s fo7 t6s esea5 =6ll be fo=ae to te to 7ana/e7ent of

Aff6n Ban86n/ (o fo ne5essa9 a5t6on.

B. Questionnaire

Te esea5e 6s stat6one at te P# SS2 ban5. In t6s 5aa56t9 te

esea5e =6ll se Kest6onna6e to obta6n an anal9e te ata. T6s 7eto

6s =6el9 se aon te =ol be5ase te ata tat =e e5e6>e 6s te

a5tal feel6n/ an o6n6ons fo7 te esonent. e< as te esea5e =6ll

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8no= a5tall9 =at an =9 te esonents ans=e te Kest6ons 6n s5 a

=a9. Co7ae< 6f t6s st9 ses onl9 se5ona9 ata< te esea5e =6ll

not be able to 8no= te tt abot te oble7s. T6s eslts te esea5e

onl9 eens to ote esea5es f6n6n/.

4.1.2 Se5ona9 Data

Tese ae te o57entat6on elate to te e6st6n/ 6sses 6n te ban8. As 7ent6one

s6n5e te esea5e eno9s an ee5t6>e os6t6on 6n te 5o7an9 s5 6nfo7at6on

=ol be ea6l9 a>a6lable on eKest.

4.2 SA!PIN) *RA!E

Te esea5 ses Kest6onna6es to 5olle5t ata fo7 5sto7e of >a6os

ba58/ons 6n H6e P5ase Cente Aff6n Ban8 P# SS2.

Te Kest6onna6es =6ll be 6st6bte to 5sto7es fo7 >a6os ba58/ons< =o

al96n/ an9 t9es of fa56l6t9 @5on>ent6onal o AITAB 6n Aff6n Ban8 P# SS2.

4.3 %ARIABES AND !EASURE!ENT

Te >a6ables se 6n t6s st9 5an be 5ate/o6e 6nto t=o 7a6n t9es =65 ae

te eenent an 6neenent >a6ables.

4.3.1 Deenent $a6able

Te eenent >a6able fo t6s st9 6s 67le7ent6n/ al ban86n/ s9ste7 6n Aff6n

Ban8 Bea at H6e P5ase Cente P# SS2 ban5

4.3.2 Ineenent $a6able

)o t6s st9< tee ae tee >a6ables tat nee to be 7ease. Tee ae e6st6n/

6sses< ose5ts an staffs nestan6n/ an a=aeness.

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4.4 DATA ANA+SIS

Ao67atel9 1"- Kest6onna6es ae to be 6st6bte. S6n5e t6s =6ll 6n>ol>e

5sto7e of 6ffeent ba58/on< a e6o of one 7ont 6s est67ate to be sff656ent

fo te s>e9. Te ans=es 5olle5te =6ll be anal9e b9 s6n/ SPSS.

Te o5ess of anal9es a ata an f6n6n/ anal9s6s be/an afte all te ata an

6nfo7at6on a been /atee to/ te ata 5olle5t6on 7eto. To/ t6s

o5ess< te esea5e ete76ne te 6nflen5e bet=een te >a6able to/

es56t6>e anal9s6s 6n oe to test all te esea5 Kest6ons. Late te tablate

eslts ae 6nteetat6on. In t6s st9< el6ab6l6t9 anal9s6s @Conba5s Alaa6ate 5oelat6on< an e/ess6on =ee se.

4.4.1 Obta6n6n/ Des56t6>e Stat6st65s: )eKen59 D6st6bt6ons

)eKen59 6st6bt6on =6ll ela6n ete7e >ales as =ell as 6ns6/ts 6nto te 5ental

tenen59< >a6ab6l6t9 an sae of nel96n/ 6st6bt6on. )eKen59 6st6bt6on also

5an be ef6ne as a o5ess of o/an66n/ a set of ata b9 s77a66n/ te n7be

of t67es a at65la >ale of a >a6able o55s. Te o5ess be/6ns b9 e5o6n/ te

n7be of t67es tat a at65la >ale of >a6ables o55s. Te ose of te

feKen59 6st6bt6on 6s to obta6n a 5ont of te n7be of esonses asso56ate =6t

6ffeent >ales of one >a6able =ee tese a7onts ae sall9 6n e5enta/e.

)eKen56es o5e tables of feKen59 5onts an e5enta/es of te >ales of

6n6>6al >a6ables. )eKen56es ae se to obta6n feKen56es an stat6st65s fo

5ate/o65al >a6ables an to obta6n stat6st65s an /a65al 6sla9s fo 5ont6nos

>a6ables. T6s 7eto as been se fo t6s st9 6n e7o/a65 of6le tat 6s

5ons6sts of /ene< a/e< 7a6tal stats an te ob os6t6on of te esonents.

(a65al 6sla9s tat a>a6lable fo t6s st9 ae ba 5at an 6e 5at.

4.4.2 Rel6ab6l6t9 of eases: Conba5s Ala

)eKen59 6st6bt6on =6ll ela6n ete7e >ales as =ell as 6ns6/ts 6nto te 5ental

tenen59< >a6ab6l6t9 an sae of nel96n/ 6st6bt6on. )eKen59 6st6bt6on also

5an be ef6ne as a o5ess of o/an66n/ a set of ata b9 s77a66n/ te n7be

of t67es a at65la >ale of a >a6able o55s. Te o5ess be/6ns b9 e5o6n/ te

n7be of t67es a at65la >ale of >a6ables o55s. @Se8aan< 2--3 bl6se

tat te el6ab6l6t9 of 7ease 6n65ates te etent to =65 6t 6s =6tot b6as @eofee an en5e enses 5ons6stent 7ease7ent a5oss t67e an a5oss te >a6os

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6te7s 6n te 6nst7ent. In ote =os< te el6ab6l6t9 of a 7ease 6s an 6n65at6on of

te stab6l6t9 an 5ons6sten59 =6t =65 te 6nst7ent 7eases te 5on5et an

els to assess te /ooness of a 7ease.

Ala Coeff656ent

Ran/e

Sten/t of

Asso56at6on

.% Poo

.% .' oeate

.' .+ (oo

.+ ., $e9 (oo

., E5ellent

4.4.3 Des56t6>e Stat6st65s

A55o6n/ to U7a Se8aan @2--%< es56t6>e stat6st65s s5 as 7a677< 76n6776at6ons an >a6an5e =ee obta6ne fo te 6nte>al?s5ale

6neenent an eenent >a6ables.

4.4.4 Coelat6on Anal9s6s

Peason 5oelat6on anal9s6s =6ll be se to anal9e te elat6ons6 bet=een t=o

>a6ables o to 7ease te e/ee of asso56at6on bet=een >a6ables (Parasuraman,

1986).In anal96n/ te eslt< te esea5e =ant to 6n>est6/ate te elat6ons6

e6sts bet=een t=o >a6ables< eenent an 6neenent >a6able. Te anal9s6s 5an

be 6nteete as 6/< 7oeate an lo= 5oelat6on base on te s5oe 5o7te.

)o7 te SPSS e>6s6on boo8 @>es6on %< 5oelat6on 6s a b6>a6ate 7ease of

asso56at6on @sten/t of te elat6ons6 bet=een t=o >a6ables. It >a6es fo7 -

@ano7 elat6ons6 to 1 @efe5t l6nea elat6ons6 o ?1 @efe5t ne/at6>e l6nea

elat6ons6. It 6s sall9 eote 6n te7s of 6ts sKae @2< 6nteete as e5ent of

>a6an5e ela6ne. )o 6nstan5e< 6f 2 6s .2"< ten te 6neenent >a6able 6s sa6 to

ela6n 2" of te >a6an5e 6n te eenent >a6able.

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Table Rles Of T7b abot 5oelat6on 5oeff656ent s6e

Coeff656ent an/e Sten/t Of Asso56at6on

. ,1 to 1.-- $e9 ston/

. '1 to . ,- H6/

. 41 to . '- oeate

. 21 to . 4- S7all bt ef6n6te elat6ons6

. -1 to . 2- Sl6/t< al7ost ne/l6/6ble

4.4." Re/ess6on Anal9s6s

lt6 L6nea e/ess6on anal9s6s 6s an anal9s6s of te elat6ons6 bet=een one

>a6able @eenent >a6able an set of >a6able @6neenent >a6ables. It 6s se

b9 te esea5e to test te 9otes6s. As 6n all 9otes6s tests< te /oal 6s to

ee5t te nll 9otes6s an a55et te altenat6>e 9otes6s.

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SECTION *I%E: CONCUSION

T6s st9 =6ll a to te bo9 of 8no=le/e tat 6s sefl 6n o>66n/ te 6nfo7at6on

elate to te 6sses tat nee to be aesse to esol>e te e6st6n/ 6sses 6n Isla765 6e

5ase 67le7entat6on 6n al ban86n/ s9ste7. Bes6es tat< 6t els te 5o7an9 to

7a8e a e56s6on 6n =65 6sses sol be fo5ses 7oe 6n oe to /ett6n/ s7oot

oeat6on. T6s esea5 also 7a9 o>6e 7oe state/9 6n ta58l6n/ te 5sto7es

efeen5es.

Not onl9 tat< t6s st9 also =6ll els te 5sto7es 6n te7s eess6n/ te6 o6n6one te benef6ts to all at6es.

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RE*ERENCES

A7a< Noaf6fa< an S6n Haon. 0Pe5et6ons of ala9s6an Cooate Csto7es

To=as Isla765 Ban86n/ Po5ts an Se>65es.; Intenat6onal #onal of Isla765 )6nan56al

Se>65es 3< no. 4 @2--2: 13?2,.

A7e< Nass66n. 0Isla765 Ban86n/ an Its oe of In>est7ents.; In Antolo/9 of Isla765

Ban86n/< e6te b9 As7a S66K6< 312. Lonon: Inst6tte of Isla765 Ban86n/ an Insan5e6e= essa9. #onal of oneta9

E5ono765s< 24@1< 1"'?1%'.

Ala7< N an San7/a7< B @es.< 2--'< Islamic Finance: !e "!allen#es A!ead< ala

L7< Un6>es6t9 Pta ala9s6a Pess.

Alla=6< L. @1,+%. Leas6n/: An Isla765 f6nan56al 6nst7ent. In . El Hel= @E.< Isla765

ban86n/ an f6nan5e @. 12-Q12'. Lonon: Btte=ots.

Al?O7a< ). Abel?HaK< . @1,,%. Isla765 Ban86n/: Teo9< Pa5t65e an Callen/ese65le f6nan56n/: A

5o77on la= 6le77aM IIU La= #onal< "@12< ,,Q11,.

El?D6n< S.I.T. Ablla< N.I. @2--'. Isses of I7le7ent6n/ Isla765 H6e P5ase 6n Dal

Ban86n/ S9ste7s: ala9s6as Ee6en5e. Tneb6 Intenat6onal Bs6ness Re>6e=< 4,@26en5e< o86n/

ae< -+?1< Te aton S5ool< Un6>es6t9 of Penns9l>an6a.

Hsse6n< H 2--4< Ban86n/ eff656en59 6n Baa6n: Isla765 >ess 5on>ent6onal ban8s.

Isla765 De>elo7ent Ban8< Isla765 Resea5 an Ta6n6n/ Inst6tte< Resea5 Pae< No.

%+.

Rosl9< S. A. @2--". C6t65al 6sses on Isla765 ban86n/ an f6nan56al 7a8ets: Isla765

e5ono765s< ban86n/ an f6nan5e< 6n>es7ents< Ta8afl an f6nan56al lann6n/. D6na7as

Pbl6s6n/.

Rosl9< S. A.< Ba8a< . A. A. @2--3. Pefo7an5e of Isla765 an 7a6nstea7 ban8s 6n

ala9s6a. Intenat6onal #onal of So56al E5ono765s< 3-@12< 124,?12%".

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