Time Room 1 Room 2 Room 3 Room 4 Room 5 Room 6 Room 7 …

Time Room 1 Room 2 Room 3 Room 4 Room 5 Room 6 Room 7 Room 8

8:00-9:30

Session 1a ENTREPRENEURSHIP 1 Session 2a MARKETING 1

Session 3a FINANCE 1 Session 4a OPERATIONS MANAGEMENT 1

Session 5a HOSPITALITY AND TOURISM MANAGEMENT

Session 6a ISLAMIC BUSINESS

Session 7a MARKETING 2 Session 8a EDUCATION MANAGEMENT AND INNOVATION

Broto Bhardwaj, Bharati Vidyapeeth University, India

Madhusudhan Prasad Varanasi, Al-Yamamah University, Saudi Arabia

Christopher J. Marquette, American University of Ras Al Khaimah, UAE

Abdul Razak Ibrahim, Kolej Universiti Poly-Tech MARA, Malaysia

Wambui Ng’ang’a, University of Eldoret, Kenya Zainal Abidin Mohamed, Islamic Science University, Malaysia

Satria Bangsawan, University of Lampung, Indonesia

Lynn L. Adams, Utah Valley University, United States

Kefa Chepkwony, MOI University, Kenya Bhavan Narayana Kandala, Malla Reddy Engineering College for Women, Jawaharlal Nehru Technological University, India

Munim Kumar Barai, Ritsumeikan Asia Pacific University, Japan

Rafik-ul-Islam, International Islamic University, Malaysia

Eugene Seeley, Utah Valley University, United States

M. Arief Mufraini, State Islamic University --Syarif Hidayatullah Jakarta, Indonesia

Mahrina Sari, University of Lampung, Indonesia

Maureen Andrade, Utah Valley University United States

10:00-11:30

Session 1b ENTREPRENEURSHIP 2

Session 2b MARKETING 2

Session 3b FINANCE 2 Session 4b INFORMATION SYSTEM MANAGEMENT

Session 5b MANAGEMENT 1

Session 6b STRATEGY 1 Session 7b AGRICULTURAL DEVELOPMENT

Session 8b ECONOMICS, TRADE AND COMMERCE 1

Robert Otuya, University of Eldoret, Kenya Len Tiu Wright, University of Huddersfield, UK Daniel Tarus, MOI University, Kenya Lynn L. Adams, Utah Valley University, United States

Thomas Cheruiyot, MOI University, Kenya Norman Wright, Utah Valley University, USA Ernest Saina, Moi University, Kenya Shehu Usman Rano Aliyu, Bayero University Kano, Nigeria

Peter Robinson, Utah Valley University, United States

Paul Sergius Koku, Florida Atlantic University, USA

Nathamba Bazinzi, Makerere University, Uganda Ananth Chiravuri, United Arab Emirates University, UAE

Jeff Peterson, Utah Valley University Abdul A. Rasheed, University of Texas at Arlington, USA

Dorothy Onyango, University of Eastern Africa, Baraton, Kenya

Josphat Cheboi, MOI University, Kenya

11:30-1:00

Session 1c HUMAN RESOURCE MANAGEMENT 1

Session 2c MARKETING 3

Session 3c ECONOMICS, TRADE AND COMMERCE

Session 4c TECHNOLOGY MANAGEMENT

Session 5c STRATEGY 2 Session 6c BUSINESS LAW, CORPORATE SOCIAL RESPONSIBILITY AND ETHICS

Session 7c HEALTH SYSTEMS MANAGEMENT

Session 8c ISLAMIC BUSINESS 2

Dwarika Prasad Uniyal, Indian Institute of Management at Kashipur, India

Dana-Nicoleta Lascu, University of Richmond, USA

Shehu Usman Rano Aliyu, Bayero University Kano, Nigeria

Sushil, Indian Institute of Technology Delhi, India

Haim Hilman Bin Abdullah, University Utara Malaysia

Nuarrual Hilal Md. Dahlan, University Utara Malaysia, Malaysia

Mabel Nangami, MOI University, Kenya. Zainal Abidin Mohamed, Islamic Science University, Malaysia

Jennifer L. Schultz, Utah Valley Univeristy, United States

Gary L. Frankwick, University of Texas at El Paso, USA

Josphat Cheboi, MOI University, Kenya Nicholas Serykhan, Mount Kenya University, Kenya

Sundar Venkatesh, Asian Institute of Technology, Thailand




2:00-3:30

Session 1d ACCOUNTING Session 2d MARKETING 4

Session 3d OPERATIONS MANAGEMENT 2

Session 4d FINANCE 3 Session 5d INTERNATIONAL BUSINESS

Session 6d TOURISM RESOURCE MANAGEMENT

Session 7d STRATEGY 3

Session 8d HUMAN RESOURCE MANAGEMENT 2

Anil Jayantha Fernando , University of Sri Jayewardenepura, Sri Lanka

Justus Munyoki, University of Nairobi, Kenya. Maher Itani, Lebanese American University, Lebanon

Michael Korir, MOI University, Kenya Osman Bin Mohamad, Multi Media University, Malaysia

Ambrose Kiprop, MOI University, Kenya Abdul A. Rasheed, University of Texas at Arlington, USA

Bernd Kupka, Utah Valley University, United States

Allan Simiyu, MOI University, Kenya Abdel Hafiez Ali Hasaballah, Qassim University, Saudi Arabia

Evans Mwiti, Mount Kenya University, Kenya Jeff Peterson, Utah Valley University, United States


Susan Bosire, Technical University of Mombasa, Kenya.

Norman Wright, Utah Valley University, USA Jennifer L. Schultz, Utah Valley Univeristy, United States

4:00-5:30

Session 1e HUMAN RESOURCE MANAGEMENT 2

Session 2e MARKETING 5

Session 3e MARKETING 6 Session 4e FINANCE 4

Session 5e MANAGEMENT 2

Session 6e ENTREPRENEURSHIP 3

Session 7d FINANCE 5

Sorasak Tang Thong, King Mongkut Institute of Technology at Ladkarabang, Thailand

Richard Afriyie Owusu, Linnaeus University, Sweden



Osama Sam Al-Kwifi, Qatar University, Qatar Damiana Kieti, MOI University, Kenya Christopher J. Marquette, American University of Ras Al Khaimah, UAE


Arthur Seakhoa-King, Australian College of Kuwait, Kuwait


Mahrina Sari, University of Lampung, Indonesia Allam K. Abu Farha, Qatar University, Qatar Peter Robinson, Utah Valley University, United States


Time Room 1 Room 2 Room 3 Room 4 Room 5 Room 6 Room 7 Room 8

8:00-9:30

Session 1a ENTREPRENEURSHIP 1 Session 2a MARKETING 1

Session 3a FINANCE 1 Session 4a OPERATIONS MANAGEMENT 1



Session 7a MARKETING 2 Session 8a EDUCATION MANAGEMENT AND INNOVATION





Wambui Ng’ang’a, University of Eldoret, Kenya Zainal Abidin Mohamed, Islamic Science University, Malaysia



Kefa Chepkwony, MOI University, Kenya Bhavan Narayana Kandala, Malla Reddy Engineering College for Women, Jawaharlal Nehru Technological University, India







Open Innovation Business Models: Its application in the public sector Abok, Joseph Otieno Cheruiyot, Thomas Kimeli Kenya

EMPIRICAL APPROACH TO ENDORSEMENT MARKETING AND CONSUMER FANATICISM OF TELECOMM FIRMS IN RIVERS STATE, NIGERIA Akahome, Joy E. Cyprian, Jackson Nigeria

FINANCIAL LITERACY, FINANCIAL ATTITUDE AND SAVING BEHAVIOR OF YOUTH IN UGANDA: A CASE OF MBARARA DISTRICT Agasha, Ester Bakunda, Martin Rono, Lucy Jepchogo Uganda and Kenya

Conceptualization of Store Selection Attributes in Relation To Type Of Layout Singla, Vikas Budhail, Manpreet Singh Kumar, Satinder India

ENDOGENOUS INNOVATION BARRIERS AND PROACTIVE WORK BEHAVIOUR IN SELECTEDHOTELS IN NAIROBI, KENYA Duncan, Shirandula Korir, Jacqueline Kenya

A Treatise On Socioeconomic Roles Of Zakah Aliyu, Shehu U.R. Nigeria

Determinants Of Factors Influencing Customer Loyalty: A Study For Thai Sea Freight Forwarders Narunart, Teewin Panjakajorsak, Vinai Thailand

The Secret Sauce for Business Calculus: Eliminating Failing Grades by finding the Optimal Application of Course Design, Electronic Materials, Supplemental Instruction and Competency Based Assessment Adams, Lynn L. Hamilton, Carolyn United States

ENTREPRENEURIAL ORIENTATION AND FIRM PERFORMANCE: THE MEDIATING ROLE OF LEADERSHIP STYLE Ali Yassin Sheikh Ali Mohamed, Nasra Ahmed

Model of Building Brand Identity of Canned and Processed Seafood Industry in Thailand Chuenban, Pichit Thailand

Impact of banking innovations on customers’ attraction, satisfaction and retention: A case of banks in Botswana Agolla, Joseph Evans Makara, Tshepiso Monametsi, Gladness Botswana

A PROPOSED MODEL OF CONTINUOUS IMPROVEMENT IN TOTAL QUALITY MANAGEMENT FROM ISLAMIC PERSPECTIVE Afrin, Afroza Bulbul Islam, Dr. Rafikul Ali, Dr. Md. Yousuf Fontaine, Dr. Ridhwan Malaysia

Developing A Hierarchical Model Based on Quality Dimensions to Enhance Business Excellence in Hotel Industry of Bangladesh Islam, Rafikul Rahman, Mahbubar Husain, Wan Rohaida Wan Ahmad, Khaliq Malaysia

Malaysian Case Law On Abandoned Housing Projects Involving Bay’ Bithaman Al-Ajil (Bba) Islamic Home Finance: A Disclosure Of The Prevailing Issues Dahlan, Nuarrual Hilal Md Malaysia

A Study of Shopping Malls Attractiveness in Qatar: A Segmentation Approach Althawadi, Othman Farha, Allam Abu Shomali, Raid Qatar

Students’ Perception on Service Quality of IIUM: Study on International Postgraduate Students Afrin, Afroza Bulbul Malaysia

Materialization of Sustianopreneurship and Performance in Kenyan Eco-Ventures Chepkwony, Chesire (Kefa) Cheruiyot, T. K. Korir, M. Kenya

Effect of User Perception on the Relationship Between Organizational Context and Adoption of Cloud Computing: Evidence from SMEs in Nairobi County, Kenya Chemjor, Emily Mworia Lagat, Charles Bonuke, Ronald Kenya

Information and Kuwaiti Investors Behaviour: Analysis based on Governorate Al Samhan, Nawaf Ebrahim Abdullah Fahad, Ebrahim Mohamad, Osman bin Bakar, Ridzwan bin Malaysia

Determinants of Library Service Quality: A Sri Lankan Marketing Perspective Harshani, K. R. N. Khatibi, Ali Malaysia

A Comparative Study of Safari Tourism in Africa Manrai, Lalita A. Manrai, Ajay K. Lascu, Dana-Nicoleta United States

Promoting Islamic Values to Encourage Labor Productivity: An Evidence from Some Indonesian Industries Rosyada, Dede Mufraini, M. Arief Suherlan, Ade Indonesia

Factors Affecting the Trust of Global Airline Passengers Lainumngern, Suchat Thailand

Role Of Teachers And Quality Of Teaching Learning Process Schools In Sri Lanka Indigahawala, T. W. V. Fernando, A. J. Sri Lanka

Defining and Influencing the Entrepreneurial Mind Set Robinson, Peter B. Gough, Vance United States

An Exploratory Study of Fast-Food Brand Communities from Social Media to The Egyptian Context Gaber, Hazem Rasheed Wright, Len Tiu Robin, Robin Egypt and United Kingdom

Post- Demonetization: Transition in Indian Retail Industry Bajaj, Rachna Singh, Gurpreet India

RELATIONSHIP BETWEEN TRAINING ON FOOD SAFETY MANAGEMENT AND PRACTICE OF FOOD SAFETY MANAGEMENT Onyango, Dorothy Cheloti-Mapelu, Isabella Kenya

Customer Relationship Management Technology effect on Performance of Selected Hotels in Kenya: Moderation Approach Ng’ang’a, Wambui E. Karanja Makomere, Julie Lagat, Charles Kenya

Religiosity Level as Moderating Variable in Islamic Tourism Usage Commitment: Indonesian Tourism Perspective Riyanto, Kuncoro Budi Indonesia

Impact of Electronic Word-of-Mouth Communication on Building Brand Equity: An Indonesian Perspective Sari, Mahrina Marquette, Christopher Bangsawan, Satria Ahmed, Zafar U. Indonesia and United Arab Emirates

English Language Development for International Students: What Do Top Hosting Business Schools Do? Andrade, Maureen United States

Entrepreneurial Competencies and Livelihood Improvement: The Moderating Role of Gender Nassiuma, Bernard Kibeti Snelder, Dnyse Masasabi, Jamin Masinde Kenya and The Netherlands

SALES PROMOTIONAL STRATEGIES: ANALYSIS OF THEIR EFFECTIVENESS ANDETHICAL IMPLICATIONS – NIGERIA EXPERIENCE Eze, Ikechukwu Bernard Nigeria

ROLE OF FINANCE INTERMEDIARIES ON DEEPENING OF FINANCIAL INCLUSION AND PROFITABILITY: A CASE STUDY OF SELECTED COMMERCIAL BANKS IN KISII COUNTY, KENYA Mogaka, Joshua Kengere Kenya

A Financial Performance Cross-Efficiency Estimation: The Chinese Port System Rosas, Jose Humberto Ablanedo Mohammed, Zurah Chepkoech United States and Kenya

ASSESSMENT OF FOOD HANDLERS’ KNOWLEDGE ON FOOD SAFETY MANAGEMENT IN SELECTED STAR-RATED HOTELS IN ELDORET TOWN, KENYA Onyango, Dorothy Cheloti-Mapelu, Isabella Kenya

Determinant Factors of Usage Intention Toward Zakat Institution: Indonesian Perspective Purnomowati, Indah Indonesia

ROLE OF BEHAVIORAL FACTORS IN DECISION MAKING BY DIRECT AND INDIRECT (REITs) INVESTORS IN REAL ESTATE PROPERTIES IN KENYA Byegon, Gladys Cheruiyot, Thomas Kenya

Use Of School Based Teacher Development (SBTD) And Quality Of Education: A Case Of Sri Lanka Fernando, A. A. J. Sri Lanka

Training Needs Identification And Individual Development Plan In Entrepreneurship Deshmukh, Amarjeet Sachar, Savneet India

The Implications of Hofstede Dimensions of National Culture for Consumer Behavior in Gulf Countries Toglaw, Sam Kuwait

An Empirical Analysis of Insurance Provisions and Risk Management of Small and Medium Scale Enterprises in Ebonyi State, Nigeria Awoke, Chigozirim Florence Nigeria

Innovation Types and Performance of Manufacturing Firms in Kenya Lagat, Charles Mwarumba, Mwavita Frankwick, Gary Kenya and United States

Tourism and Hospitality Policy Strengths, Weaknesses and its Effectiveness – Lessons from Malawi Sepula, Michael Bennett Mhango, Geoffrey M. Kaseka Malawi and Kenya

Technology Acceptance of Card-Less Cash Withdrawal System Among the University Students in Colombo District Wijewardena, Piyavi U. Dharmaratne G. D. I. K. Azam. S. M. F. Khatibi, Ali Junainah P. Malaysia

Influence of Networking on Women Entrepreneurship: Determinants, Challenges and Constraints in Marketing Their Product Bhardwaj, Broto Sharma, Neelam Misra, C.B. India

Potential of Curriculum in Imparting Entrepreneurial Skills among Hospitality Students in TIVET Institutions, Kenya: A Review of Literature Duncan, Shirandula Cheloti- Mapelu, Isabella Kenya

The Influence Of Hofstede Dimensions Of National Culture On Consumer Behavior In Gulf Countries Toglaw, Sam Kuwait

Room 1 Room 2 Room 3 Room 4 Room 5 Room 6 Room 7 Room 8

10:00-11:30



Session 3b FINANCE 2 Session 4b INFORMATION SYSTEM MANAGEMENT


Session 6b STRATEGY 1 Session 7b AGRICULTURAL DEVELOPMENT

Session 8b ECONOMICS, TRADE AND COMMERCE 1

Robert Otuya, University of Eldoret, Kenya Len Tiu Wright, University of Huddersfield, UK Daniel Tarus, MOI University, Kenya Lynn L. Adams, Utah Valley University, United States

Thomas Cheruiyot, MOI University, Kenya Norman Wright, Utah Valley University, USA Ernest Saina, Moi University, Kenya Shehu Usman Rano Aliyu, Bayero University Kano, Nigeria



Nathamba Bazinzi, Makerere University, Uganda Ananth Chiravuri, United Arab Emirates University, UAE

Jeff Peterson, Utah Valley University Abdul A. Rasheed, University of Texas at Arlington, USA

Dorothy Onyango, University of Eastern Africa, Baraton, Kenya


Effect Of Eco-Commitment On Ecopreneurial Performance Among Ecopreneurial Ventures In Western Kenya Chepkwony, Chesire (Kefa) Cheruiyot, T. K. Korir, M. Kenya

Determinants of Consumers' Attitudes Towards Global Luxury Car Brands: A Sri Lankan Perspective De Silva, Sumith S. Khatibi, Ali Malaysi

BOARD INDEPENDENCE, ETHNIC COMPOSITION AND FINANCIAL PERFORMANCE OF COMPANIES LISTED AT THE NAIROBI SECURITIES EXCHANGE Chelogoi, Stephen K. Kiptum, Christopher Kenya

Acceptance And Sustainability Issues In Information Technology-Based Banking Services: A Review Of Literature Ali, Liaqat Shilpa Singh, Jaskirat India

Insurance and Risk Management: An Imperative Tool for Small and Medium Scale Enterprises (SMES) Advancement in Nigeria Awoke, Chigozirim Florence Nigeria

A Role of Leadership in Enhancing Employee Engagement Gelaidan, Hamid Mahmood Al-Swidi, Abdullah Al Harbi, Jaithen Abdullah J

Participation in extraction of forest products by the rural households in the peripherals of Mt. Kenya forest: an economic analysis Mwangi, N. F. Saina, E. K. Kenya

A conceptual framework of innovation for economic diversification, national competitiveness and sustainable growth Agolla, Joseph Evans Makara, Tshepiso Botswana Somalia

THE ART OF START-UPS: A CASE STUDY OF INTERNATIONAL ENTREPRENEURSHIP Kaur, Kamaljit Bhardwaj, Broto Mahajan, Geeta India

Marketing opportunities to position Kenya as a destination of choice for the USA leisure market: case of Inbound Tour Operators Kiage, Ondabu Kenya

Does Initial Public Offers (IPO) a game changer in Insurance in India Chennappa, D. India

Effect of Knowledge Management on Firm Competitive Advantage among Commercial Banks in Kenya Chepsergon, Amos Kimosop, Joyce Kenya

LEADERSHIP IN PUBLIC ORGANIZATION: The Role of Transformational Leadership Abok, Joseph Otieno Cheruiyot, Thomas Kimeli Kenya

Does Strategic Conformity matter in Financial Distress? Evidence from listed firms in Nairobi Securities Exchange Koske, Naomi Chepkorir Yegon, Josephat Cheboi Kenya

An Evaluation of a Long-Term Human-Elephant Conflict Mitigation Project by Local Communities in the Mara Ecosystem, Kenya Makomere, Julie Ng’ang’a, Wambui E. Karanja Kenya

IMPACT OF AGRICULTURAL OUTPUT ON ECONOMIC GROWTH IN NIGERIA AND GHANA (1985-2014) Apeh, Ajene Sunday Nigeria

Entrepreneurial Orientation and Performance of Small & Micro Enterprises in Kenya Muganda, Dr Catherine M. Kenya

ASSESSMENT OF BENEFITS AND SUPPORT OF MKIS IN MEDIUM SCALE TEXTILE INDUSTRIES Krishna, Reddy CYS Kandala, Bhavannarayana India

THE ROLE PLAYED BY FINANCIAL DISCLOSURES IN CORPORATE GOVERNANCE IN EMERGING ECONOMIES Cheruiyot, Thomas Kwasi, Amos Odero Kenya

Investigating the Efficacy of Techniques Affecting Information Exchange in Virtual Teams Chiravuri, Ananth United Arab Emirates

Observing Coworkers’ Violations and Managers’ Discipline: The Effect of Violation and Punishment Severity on Coworker Peterson, Jeff Ph.D. United States

Does humanistic culture mediate the relationship between charismatic leadership and job satisfaction in national schools in Kenya? Marigat, Samuel K. Tarus, Daniel K. Cheruiyot, Thomas K. Kenya

FACTORS AFFECTING THE FARMERS’ DECISION TOWARDS CONTRACT FARMING: AN EMPIRICAL STUDY OF INDIAN PUNJAB Singh, Harpreet Singh, Jaskirat India

A Mediation Analysis On Green Innovation To Identify Its Influencing Mechanism Towards Economic Performance Of Thai Food Industry Tantayanubutr, Monika Panjakajornsak, Vinai Thailand

Entrepreneurial marketing readiness indicators in digital transition for Thai SMEs: An exploratory conceptual framework Pitchayadol, Pongsakorn Hoonsopon, Danupol Chandrachai, Achara Triukose, Sipat Thailand

Factors Affecting Of Students’ Attitudes Towards Use Of Cloud Computing Munasinghe, P. G Sri Lanka

AN EMPIRICAL STUDY OF FINANCIAL PERFORMANCE OF ICICI BANK Dhillon, Atinderpreet Ubha, Dharminder Singh India

A Process Situational Approach to Support Development of E‑Health System: An Analytical Study on UNRWA Health System Itani, Maher N. Lebanon

Mediating Effect of Employee Satisfaction on the Relationship between Organizational Learning Culture and Employee Performance in the Banking sector in Kenya Orinda, Grace Chepkwony, Dr. Joel Bonuke, Dr. Ronald Kenya

Green Consumer Behaviour, Culture and Sustainability of Manufacturing Firms in Kenya Tanui, Emmanuel K. Bartocho, Evaline J. Kenya

EFFECTS OF SMALLHOLDERS’ ON-FARM WATER APPLICATION METHODS ON TOMATO YIELDS IN BARINGO COUNTY, KENYA Kosgei, David K. Kenya

Economic and Social Impacts on Financial Inclusion: A Case of the Underprivileged in Bangladesh Barai, Munim Kumar Japan

ASSESSING THE INTEGRATION OF ENTREPRENEURIAL FACTORS ON SME PROMOTION IN KENYA Ndambiri, Serah Ndegwa, Jesse Kenya

Marketing Channel Conduct and Marketing Margin on Marketing Performance of Soft Drink Distributors across Nigeria Ibrahim, Maryam Imam Mustapha, Bintu Keat, Ooi Yeng Rani, Shamsul Huda bint Abd Nigeria and Malaysia

Earnings Management Practices In Commercial Banks Listed At The Colombo Stock Exchange: Evidence From Sri Lanka Gunawardane, Poornima S. Fernando, A. J. Sri Lanka

Limited Impact of Information and Communication Technologies (ICTs) on Adoption of Cashless Transactions in Unorganized Retail Sector–Demonetization in Indian Context Vemaraju, Sudha India

Perceptions of Leadership Style and their Effect on Job Satisfaction and Productivity in Saudi Arabia Hinck, Wolfgang Al-Subiani, Ahmed Ali Saudi Arabia

Enhancing Competitive Advantage Through Innovation Capability: The Dimension Of Market Orientation And Innovation Strategy Mantam, Prapapan Panjakajorsak, Vinai Tangthong, Sorasak Thailand

Analysis of Socio-economic Factors Influencing the Adoption of Breeding Technologies Among Dairy Farmers in the North Rift Region of Kenya Kipkemei, Ernest Kenya

Entrepreneurs’ Experience and Firm Innovativeness: The Mediating Role of Entrepreneurial Competencies Nassiuma, Bernard Kibeti Snelder, Dnyse Masasabi, Jamin Masinde Masurel, Enno Kenya and The Netherlands

Exploring the Interface of Relationship Marketing and Export Performance: The Role of Trust and Commitment as Mediating Variables: A Conceptual Perspective Hasaballah, Abdel Hafiez Ali GENÇ, Ömer Faruk Mohamad, Osman Bin Ahmed, Zafar U. Saudi Arabia

Financial Performance of Disinvested Public Sector Enterprises in India Gupta, Seema Jain, P. K. Yadav, S. India

Building Predictive Selection Screening And Turnover System Based On Individual Differences For Indian Software Engineers Using Artificial Neural Networks Kaur, Shivinder Raj, Sahil India

Green Supply Chain Practices in Malaysia Ibrahim, Abdul Razak Ghapar, Farha Sundram, Veera Pandiyan Kaliani Malaysia

The Relationship between Distinctive Capabilities, Business Strategy, Environment and Performance: A Proposed Model for SMEs in Palestine Ahmad, Saari Bin Ramadan, Hashem Ismail Mohammad Malaysia

ANALYZING RISKS IN SAFETY AND SECURITY OF FOOD USING GRA APPROACH Sharma, Yogesh Kumar Mangla, Sachin Kumar Patil, Pravin P. Luthra, Sunil Alryalat, Mohammad Abdallah Ali India and Jordan


11:30-1:00

Session 1c HUMAN RESOURCE MANAGEMENT 1



Session 4c TECHNOLOGY MANAGEMENT

Session 5c STRATEGY 2 Session 6c BUSINESS LAW, CORPORATE SOCIAL RESPONSIBILITY AND ETHICS

Session 7c HEALTH SYSTEMS MANAGEMENT

Session 8c ISLAMIC BUSINESS 2







Mabel Nangami, MOI University, Kenya. Zainal Abidin Mohamed, Islamic Science University, Malaysia



Josphat Cheboi, MOI University, Kenya Nicholas Serykhan, Mount Kenya University, Kenya





EMPLOYEE PERFORMANCE MEASUREMENT AND MANAGEMENT IN AFRICAN PUBLIC SECTOR Mbore, Clement Karani Cheruiyot, Thomas Kenya

DETERMINANTS OF LEAPFROGGING, CONSUMER KNOWLEDGE AND THE INTENTION TO LEAPFROG IN THE CELLPHONE INDUSTRY IN KENYA Mae, Chepkoech Lagat, Charles Frankwick, Gary Kenya and United States

ECONOMIC DETERMINANTS OF EXCHANGE RATE VOLATILITY IN KENYA Kemboi, Isaacks Kosgei, David K. Kenya

Attitude towards counterfeits in Kenya. A threat to fair trade and future development Muia, Bernard Muia Cheruiyot, T. Lagat, C. Kenya

THE NEXUS BETWEEN EMOTIONAL INTELLIGIENCE, TRANSFORMATIONAL LEADERSHIP AND ORGANIZATION PERFORMANCE Obiero, Onyango Mutali, Emily Kenya

IMPACT OF TRACK AND TRACE SYSTEM ON ILLICIT TRADE OF TOBACCO PRODUCTS IN KENYA Anei, Santino Muong Kenya

How Do Managers in Professional Public Organizations Respond to Environmental Change? The Case of Healthcare Reform in Thailand Rutanarugsa, Dararat Venkatesh, Sundar Thailand

Potency and Prospect of Halal Market in Global Industry ---An Empirical Comparative Analysis of Indonesia and United Kingdom Hamid, Abdul Said, Muhammad Prasetyowati, Riris Aishah Meiria, Endah Kurnianigsih, Prilla Indonesia

Effect of Self Regulation on Employee Performance in Almasi Beverages Limited, Kenya Rono, Leah C. Korir, Michael K. Boit, Rose J. Kenya

STAKEHOLDER POLICIES INFLUENCING THE CHOICE OF CONFERENCE DESTINATIONS IN MALAWI: THE CASE OF RESORTS AT SENGA BAY Mhango, Geoffrey M. Kaseka Kieti, Damiannah Korir, Jacqueline Kenya

Impact of remittance on economic growth and poverty alleviation in Nepal Bista, Nar Bahadur Yegya Bahadur K.C Nepal

Impact of subjective norm on the purchase intention of counterfeit mobile phones in Kenya Muia, Bernard Muia Cheruiyot, T. Lagat, C. Kenya

MODERATING EFFECT OF ENTREPRENEURIAL ORIENTATION ON THE RELATIONSHIP BETWEEN EAST AFRICAN COMMUNITY STRATEGIC LEVERS AND PERFORMANCE OF EXPORT ORIENTED HORTICULTURAL SMEs IN KENYA Onditi, Pamela Auma Obiero, Onyango Kenya

Environmental Context, User Perception and Adoption of Cloud Computing Among Small and Medium Enterprises in Nairobi County, Kenya Chemjor, Emily Mworia Kenya

EFFECT OF TOBACCO LAWS ON SMOKING INTENTION: A CASE STUDY OF CENTRAL RIFTVALLY COUNTIES OF UASIN GISHU, ELGEYO MARAKWET AND NANDI Kangogo, Hillary Kiplagat Kibet, Dr. Yusuf Saisi, Dr. Patrick Kenya

HALAL LOGISTIC MANAGEMENT OF SUPPLY CHAIN Abdullah, Abdul Aziz Ibrahim, Abdul Razak Rabu, Abdul Rahman Mohd Malaysia

THE MODERATING EFFECT OF PSYCHOSOCIAL WORK ENVIRONMENT ON THE RELATIONSHIP BETWEEN TEAM lEARNING AND EMPLOYEE PERFORMANCE IN THE KENYAN ISLAMIC BANKING PRACTICE Salyani, Mohamed Shakeel Loice, Maru Korir Michael Kenya

ROLE OF ACCESSIBILITY TO MARKETS IN INFLUENCING PERFORMANCE OF EXPORT ORIENTED HORTICULTURAL SMEs IN EAST AFRICAN COMMUNITY: A CASE OF KENYAN BUSINESSES Onditi, Pamela Auma Kenya

Inflation And Economic Growth: An Empirical Analysis Sri Lankan Economy Wijewardana, W. Percy Dedunu, H. Malaysia

Impact Of Reverse Logistics On Perceived Customer Value In Mobile Smart Phone Industry Sri Lanka Pemerathna, Aluthgamage Hasintha S. Sri Lanka

Theoretical and Empirical Analysis of a Team and its Sponsor: A Case of Indian Premier League Singh, Jaskirat Singh, Apar India

Corporate Governance in Emerging Nations: The impact of corruption and broader ethical failure Cheruiyot, Thomas Oyuko, Joshiah Otieno Kenya

The Effect of Professional Background on Perceived Performance of Saudi Healthcare Administrators Hinck, Wolfgang Al-Mazroa, Abdulrahman H. Saudi Arabia

EMERGING ISSUES IN HALAL CONSUMERISM Ibrahim, Abdul Razak Abdullah, Abdul Aziz Malaysia

Developing Employee Effectiveness with Workplace Social Networks for Working Mothers’ Schultz, Jennifer L. United States

Impact of Relationship Marketing Practices on Customer Loyalty: A Case Study of Awash Bank Dire Dawa, Ethiopia Kandala, Bhavannarayana Poranki, Kameswara Rao India and Ethiopia

AN EMPIRICAL INVESTIGATION OF THE TWIN DEFICIT HYPOTHESIS: EVIDENCE FROM NIGERIA (1986-2015) Hussaini, Mustapha Sheka, Garba I Nigeria

How New Technology and Social Media is Redefining Shop, Shopping and Shopper? Uniyal, Dwarika Prasad India

Management of Small and Medium Enterprises in Kenya as a Strategy for National Development: Issues and Challenges Tanui, Peninah Jepkogei Loice, Maru Kenya

Corporate Social Responsibility (CSR) Reporting In Emerging Economies: A Survey Of Listed Companies In Sri Lanka Hettiarachchi, D. C. Fernando, A. A. J. Sri Lanka

Economic Burden On Households With People With Non-Communicable Diseases With Special Reference To Cancer: Priorities For Policy Options Pertaining To The Sri Lankan Context Jayasinghe, Rajapaksha Pathirathnage Chamarie Kanchana Thamrongthanyawong, Sombat Thailand

Islamic Banking And Finance Development in Germany--- Challenging and Supporting Issues Hamid, Abdul Said, Muhammad Mufrain, M. Arief Fathon, Abdullah Indonesia

A Study of Intergeneration Transmission of Factors Among the Women Working in the Unorganized Sector Rana, Rachita Kaur, Kamaljit India

An Exploration of Global Five Star Hotel Branding: A Sri Lankan Perspective Iddamalgoda, Kumudinie C. Liyasilinie Khatibi, Ali Malaysia

ICT Enabled Goat Farming – A Sustainable Development Model For Farmers: A Case Study Of Siddharaj Farms Gupta, Kirti Chavan, Hemant India

Using Paired Adaptive Tests to Reduce Test-taking Anxiety in Business Classes Seeley, Eugene Andrade, Maureen Miller, Ron United States

Charismatic leadership, Achievement culture and Job satisfaction: Testing for mediation Marigat, Samuel K. Tarus, Daniel K. Cheruiyot, Thomas K. Kenya

Effect of Government Effectiveness, Rule of Law and Corruption Control on Tax Payment Compliance Marselina Prasetyo, Tri Joko Indonesia

Pilot-Testing the Measures of HPWS and Firm Performance Ismail, Abdussalaam Iyanda Abdul-Majid, Abdul-Halim Joarder, Mohd-Hasanur Malaysia

A Comparative Study of Network Marketing Companies: An Indian Perspective Kandala, Bhavan Narayana Seakhoa-King, Arthur Ahmed, Zafar U. India, Kuwait and United Arab Emirates

Media and Education: Domestic Tourists’ Perspective Mkwizu, Kezia Herman Matama, Rogers Atuzarirwe, Caroline Tanzania and Uganda

NETWORK CAPABILITY AND PERFORMANCE: LINK IN TRIVIAL EVENT MANAGEMENT VENTURES IN KENYA Korir, Jacqueline Cheptepkeny Kenya

Strategic Orientation, Entrepreneurial Innovativeness And Of Women-Owned Small And Medium Enterprises In North Rift Economic Block, Kenya Nguli, Judith N. Tarus, Daniel K. Odunga, Robert Kenya

Exploring Procurement Compliance Challenges and Remedies in Educational Public Institutions: Evidence From Makerere University Ongero, Vincent Matama, Rogers Uganda


2:00-3:30Session 1d ACCOUNTING Session 2d MARKETING

4Session 3d OPERATIONS MANAGEMENT 2

Session 4d FINANCE 3 Session 5d INTERNATIONAL BUSINESS



Session 8d HUMAN RESOURCE MANAGEMENT 2


Justus Munyoki, University of Nairobi, Kenya. Maher Itani, Lebanese American University, Lebanon

Michael Korir, MOI University, Kenya Osman Bin Mohamad, Multi Media University, Malaysia

Ambrose Kiprop, MOI University, Kenya Abdul A. Rasheed, University of Texas at Arlington, USA


Allan Simiyu, MOI University, Kenya Abdel Hafiez Ali Hasaballah, Qassim University, Saudi Arabia

Evans Mwiti, Mount Kenya University, Kenya Jeff Peterson, Utah Valley University, United States



Norman Wright, Utah Valley University, USA Jennifer L. Schultz, Utah Valley Univeristy, United States

Factors Influencing Investment Decision On Computerized Accounting System- Special Reference To Small And Medium Enterprises Kaluarachchi, Dona Ganeesha Priyangika Fernando, A. A. J. Sri Lanka

The Moderating Effect of Store Image on the Indirect Relationship between Emotional Experience and Purchase Intention via Social Value Nkaabu, Clement Gichunge Saina, Ernest Bonuke, Ronald Kenya

SUPPLY CHAIN LINKAGES AND ITS EFFECT ON SUPPLY CHAIN PERFORMANCE IN KENYAN LISTED FLOWER FIRMS Kimitei , Edwin K. Kapkiyai, Collins K. Kenya

TECHNOLOGY ADVANCING AND FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN EAST AFRICAN COMMUNITY PARTNER STATES Muyombano, Aimé PhD Scholar Prof. Odunga, Pius PhD Odunga, Robert Mukoswa PhD Kenya

Rapid Internationalization of Companies from Emerging Economies AL-KWIFI, Osama S Farha, Allam K Abu Qatar

Nature And Magnitude Of Tourist Harassment: An Exploratory Study In Sri Lanka Edirisinghe, Nayanpriya Fernando, A. A. J. Sri Lanka

MANAGING STRATEGIC KNOWLEDGE, TECHNOLOGY AND INNOVATION IN BUSINESS FIRMS IN AFRICA Mbore, Clement Karani Sang, Jane Kenya

Impact of Psychological Contract on Employee Intension to Leave: An Employee Perspective of Insurance Industry in Sri Lanka Arachchige, Bhadra J.H. Sri Lanka

The Adoption Of Environmental Management Accounting Practices Among Manufacturing Companies In Sri Lanka Wijewardana, W. Percy Dedunu, H. Malaysia

EXPERIMENTS WITH EMAIL CAMPAIGN IN LEAD GENERATION Poongodi, B. Pravin. K Venkataraman, Raghu Raman India and Oman

Effect of Supplier Relationship Management on the Effectiveness of Supply Chain Management in Nigerian Public Sector Mahmoud, Mudi Ahmed Nigeria

FINANCIAL INCLUSION: MEDIATOR OF MANAGERIAL COMPETENCIES AND ACCESS TO FINANCIAL SERVICES IN UGANDA Natamba, Bazinzi Tarus, Daniel Kipkirong Cheruiyot, Thomas Kimeli Uganda and Kenya

Determining the differences in Expenditure between Domestic and international Tourists Cheloti-Mapelu, Isabella Kenya

Creating Competitive Tourism Industry in Ethiopia: Challenges Ahead Girma, Assefa Seleshi Chawla, Arvinder S. Kaur, Navjot India

Examining Student Satisfaction With Higher Education Services in The Gulf Cooperation Council Region Seakhoa-King, Arthur Toglaw, Sam Kuwait

Implementation of an Effective Performance Appraisal System: Implications for Organizational Performance Tripathi, Prasoon Mani India

Accrual Accounting in Public Institutions as a Contemporary Issue; Evidence from Developed Countries Lagat, Carolyn Loice, Maru Kenya

Assessment of Benefits and Support of Marketing Information Systems in Medium Scale Textile Industries Reddy, Krishna C.Y.S Kandala, Bhavan Narayana India

Effective Total Quality Management Systems and Performance in Kenyan Universities Makau, Scholastica Lagat, Charles Kenya

INFLUENCE OF INTERNAL EQUITY FINANCING ON GROWTH OF CRAFT MICRO ENTERPRISES IN KENYA Nyanamba, Steve Ondieki Nyankiriri, Benjamin Kenya

Do Free Trade Agreements help Small and Medium Enterprises to internationalize? The case of the China-Switzerland FTA Zivlak, Dr. Nikola Poncet, Julien China

CONTRIBUTION OF ECOTOURISM TOWARDS SUSTAINABLE LIVELIHOOD OF THE COMMUNITIES LIVING ON WASINI ISLAND, KWALE COUNTY, KENYA Koki, Jairaus Kenya

EFFECT OF BOARD SIZE, BOARD INDEPENDENCE ON CORPORATE SOCIAL RESPONSIBILITY OF FIRMS LISTED IN NAIROBI SECURITY EXCHANGE IN KENYA Ngetich, Willy Kiptoo Rono, Dr. Lucy Cheruiyot, Prof. Thomas K. Kenya

A REVIEW OF FACTORS AFFECTING EMPLOYEE ATTRITION Jain, Esha India

Quality Of Financial Reporting On Shareholders Satisfaction: A Case Of Commercial Banks Listed At The Nairobi Securities Exchange Mosoti, Jared Mobisa Kenya

Thai Government Administration Organization Tourism Promotion Responsibility Effectiveness: An Analysis from the Local Sub-District to the Provincial Level Pratyameteetham, Thapanaphat Jaruwanno, Wanchatt Thailand

Reverse Service Quality Gap of 3PL (Third Party Logistics) Market in Sri Lanka Malkanthie, Asoka Kelum, W. G. S. Sri Lanka

THE PECKING ORDER OF FINANCING AND THE EFFECT OF FREE CASH FLOW ON IMPLIED OVER- INVESTMENT OF PUBLICLY TRADED KENYAN FIRMS Torois, Kimutai Cheboi, Josephat Kirui, Daniel Kenya

Sustainable Smart Cities in Developing Countries: Future Role of ICT Silale, Jasai Joseph Kenya

Antecedents and Loyalty of International Tourists Toward National Parks in Thailand: A Structural Analysis Choosri, Krittapon Thailand

Influence of Learning Organization and Innovation Towards Organizational Performance in the Automotive Parts Industry of Thailand Sueptaetrakun, Winit Tangthong, Sorasak Thailand

HRM Practice Issues Of Multinational Service Industry In Thailand After Effects By AEC Tangthong, Sorasak Buranakul, Sorapol Thailand

Exploratory and Confirmatory Analysis for the Jakarta’s Customer Decision Toward Product and Services of Islamic Banks M. Arief Mufraini Indonesia

SMALL AND MEDIUM-SIZED ENTERPRISES: PRODUCTION OF SALTED ANCHOVY AT PASARAN ISLAND ON LAMPUNG PROVINCE IN INDONESIA Ratih, Arivina Harsono, Sigit Indonesia

Bank Financing and Industrial Growth: Issues and Considerations Shobande, Olatunji A. Nigeria

Challenges to Build, Operate, and Transfer Projects to Provide Infrastructure for African Economy Owusu, Richard A Bonsu, Samuel Afluc, Otto Sweden and Ghana

A MOBILE PHONE PROTOTYPE FOR RESEARCH KNOWLEDGE MANAGEMENT AT THE NATIONAL MUSEUM OF KENYA Too, Samson Gichoya, David Boit, Kimutai Kenya

Choice Between Of Personal Life And Education & Career: An Inquiry On The Question Of Domestic Duty Vs. Self Interest Of Learning And Career Based From Female Postgraduate Students Of Asian Institute Of Technology, Thailand Krissadee, Prakaydao Fernando, A.A.J. Thailand and Sri Lanka

Network Marketing format of Entrepreneurship Development – An Empirical Analysis Kandala, Bhavan Narayana Vijayalakshmi, K. India

Ensuring Competitive Advantage Through Integrating Supply Chain Of Oil Palm Industry: SEM Approach Phengchan, Phatthanaphong Rojniruttikul, Nuttawut Thailand

Effect of Board Capital on Firm Innovativeness in the Banking Industry in Kenya Nthama, Nazau Kenya

WHY SUSTAINABILITY OF BUSINESS IN THE DEVELOPING COUNTRIES IS IN DOUBT? - AN EMPIRICAL STUDY OF KENYAN SCENARIO Nyaboga, Yobes Benjamin Kenya

Culture and Art in Tanzania’s Tourism Thiong’o, Maina Erica, Hando Ombati, Bernard Tanzania


4:00-5:30Session 1e HUMAN RESOURCE MANAGEMENT 2


Session 3e MARKETING 6 Session 4e FINANCE 4


Session 6e ENTREPRENEURSHIP 3

Session 7d FINANCE 5





Osama Sam Al-Kwifi, Qatar University, Qatar Damiana Kieti, MOI University, Kenya Christopher J. Marquette, American University of Ras Al Khaimah, UAE




Mahrina Sari, University of Lampung, Indonesia Allam K. Abu Farha, Qatar University, Qatar Peter Robinson, Utah Valley University, United States


Stress as a Mediating Effects of Personality and Job Satisfaction: Service Experience in Malaysia Bustaman, Farah Liyana Ibrahim, Abdul Razak Abdullah, Fakhrul Zaman Malaysia and Saudi Arabia

Devising Google Glass Marketing Strategies Using Social Media Analytics Raj, Sahil Kajla, Tanveer India

Identification Of New Post-Paid Channel Partners For Vodafone Singh, Gurpreet Sekhon, Shailinder Singh, Rajwinder India

Financial Idiosyncratic Deals, Interactional Perceived Organizational Justice and Innovative Work Behavior among Tied Life Insurance Agents in Kenya Kimwolo, Andrew Kimutai Cheruiyot, Thomas Kimosop, Joyce Kenya

Free Education Policy and its Emerging Challenges in Sri Lanka Alawattegama, Kingsley Karunaratne Fernando, A. A. J. China and Sri Lanka

A Structural Model of the Determinants on Innovation Behavior of Thai Feed Mill Industry Sinlaparatanaporn, Supaloek Saengnoree, Amnuay Panjakhajornsak, Vinai Thailand

Usage Intention in E-Banking: Indonesian Perspective Nurbaiti Indonesia

Efficacy of Reward Strategy on Employee Retention. A case of Commercial Banks in Eldoret Town, Kenya. Chepkwony, Dr. Joel Bonuke, Dr. Ronald Orinda, Grace Kenya

Electronic Word-of-Mouth (eWOM) Model in Building Brand Equity Toward Indonesian and Foreign Restaurants Sari, Mahrina, MS Bangsawan, Satria Indonesia

Imagining Shopping with Tween Shoppers Uniyal, Dwarika Prasad India

The Financial Effect of the Patient Protection and Affordable Care Act on For-Profit-Hospitals in the United States Koku, P. Sergius United States

Organisational Context Role in Shaping Firm Ambidexterity among SMEs Owner-Managers in Malaysia Poon Wai Chuen Muhamad, Osman Yusoff, Wan Fadzilah Wan Malaysia

INFLUENCING FACTORS OF WOMEN SOCIAL ENTREPRENEURSHIP Tamizhjyothi, K. Venkataraman, Raghu Raman India and Oman

Corporate social responsibility and its impact on financial performance of Nepalese insurance companies Pradhan, Radhe S. Deo, Preeti Nepal

INFLUENCE OF EMPLOYEE ENGAGEMENT ON KNOWLEDGE CREATION Koech, Caroline Jelagat Sitienei Kenya

The influence of online shopping risk and weakness towards online shopping customer’s behaviour in Bangladesh Uddin, Md. Bashir Afrin, Afroza Bulbul Malaysia

Relationship between Customer Responsiveness, Service Performance and Satisfaction among Airline Passengers in Kenya Uyoga, Diane Chelang Kenya

SALESMAN COMPENSATION STRUCTURE AND PERFORMANCE IN THE BANKING INDUSTRY Obiero, Onyango Mutali, Emily Kenya

Creating Real life through Belief systems Kaur, Ms.Gagandeep India

Entrepreneurial Orientation and Innovation Type: Competitive Advantage of Furniture Industry Tangkit, Kitipong Panjakajorsak, Vinai Tangthong, Sorasak Thailand

How Do Acquisitions Affect CEO Compensation? A Comparison Of International And Domestic Deals GENC, Omer Faruk Turkey

Validating the Relationship Between HR Practices and Employee Performance in Nigeria Jibrin-Bida, Mohammed Majid, Abdul Halim Abdul Joarder, Mohd Hasanur Raihan Ismail, Abdussalaam Iyanda Malaysia

Brand Loyalty Building through Product and Service Quality in The Indonesian Insurance Industry Perspective Purwanto, Wahyu Dani Indonesia

A Study on Impact of Brand Loyalty Type on Customer’s Patronage Loyalty Across Organized Retail Formats in Jeans Wear Retailing Vemaraju, Sudha India

The Impact of Industrial Design on the Malaysia Firms’ Financial Performance Yayanto, Nur Kartika Elani Ghapar, Farha Abdol Ismail, Norashikin Sundram, Veera Pandiyan Kaliani Malaysia

Empirical Study of Transformational Leadership, Quality Culture And Performance of Top Universities: Accreditation Perspective Abdullah, Haim Hilman Abubakar, Ahmed Noh, Faizal Yunus, Nek Kamal Yeop Yunus Malaysia and Nigeria

Entrepreneurial Support Systems for the Development and Sustenance of the Biotech Industry Varanasi, Madhusudhan Prasad Saudi Arabia

Demographic Factors, Financial Literacy And Tolerance Levels Of Financial Risk: A Study OfPotential Investors In Indonesia Hendrawaty, Ernie Indonesia

The Application of Social and Value Marketing in Performance Management & Human Resource Development: The Case of KAYRA Fashion Toglaw, Sam Kuwait

MEDIATING EFFECTS OF BEHAVIOUR INTENTIONS ON THE FACILITION CONDITIONS AND USER ACCEPTANCE OF E-HEALTH ADOPTION AMONG NURESES IN PUBLIC HOSPITALS, KENYA Ng’ong’a, Moses Matti, Oseiko Omar Maru, Loice Muumbo, Alex Kenya

Does Consumers’ Restaurant Experience Trigger Electronic Word of Mouth (eWOM) and Purchase Intentions for Indonesian and Western Restaurants Sari, Mahrina, MS Bangsawan, Satria Indonesia

ASSESSING THE PROFITABILITY EFFECTS OF FORCED BANK MERGERS VERSUS VOLUNTARY BANK MERGERS: EVIDENCES FROM NIGERIA Yusuf, Hassan Nigeria

Dynamics of Outsourcing in India’s Service Sector Madhavi, Challa Bhavan Narayana K. Venugopal, J. India

The Effects of Intellectual Capital and Innovation on Thailand’s Creative Food Industry Yaklai, Pimsara Suwunnamek, Opal Srinuan, Chalita Thailand

SUSTAINABILITY AGENDA: FINANCIAL SECTOR PLAYERS THE ROLE OF LEADERSHIP BEHAVIOUR Nyachanchu, Thomas O. Cheruiyot, Thomas Kenya

FACTORS INFLUENCING CUSTOMER ORIENTATION OF FRONTLINE EMPLOYEES IN PUBLIC UNIVERSITIES: A CASE OF KENYATTA UNIVERSITY Njagi, Eliud Mwaniki Omondi, Nancy Kiragu Kosgei, David Kenya

Creating Brand Equity Model for Thai Restaurants Based in U.K Sornsaruht, Puris Thailand

An Exploratory Case Study Of Malaysian Banks On Market Orientation And Organizational Characteristics Of New Service Development Taib, Yusoff Hassan, Syed Tajuddin Syed Ismaili, Zurina Malaysia

AN EMPIRICAL STUDY ON FACTORS AFFECTING THE FARMERS’ PERCEPTION TOWARDS CONTRACT FARMING IN PUNJAB Singh, Inderjeet Singh, Harpreet India

The Ogre and the Onion: A Systems Approach to Understanding Entrepreneurship Research Robinson, Peter B. Adams, Lynn L. United States

Implications of Rural Market Dynamics on Poverty Incidence in Rano Local Government, Kano State, Nigeria Shehu, M.R. Adam, I.M. Nigeria

8:00-9:30

Session 1a ENTREPRENEURSHIP 1

Session 2a MARKETING 1

Session 3a FINANCE 1

Session 4a OPERATIONS MANAGEMENT 1







Wambui Ng’ang’a, University of Eldoret, Kenya

Zainal Abidin Mohamed, Islamic Science University, Malaysia

Kefa Chepkwony, MOI University, Kenya

Bhavan Narayana Kandala, Malla Reddy Engineering College for Women, Jawaharlal Nehru Technological University, India





10:00-11:30



Session 3b FINANCE 2

Session 4b INFORMATION SYSTEM MANAGEMENT 1


Session 6b STRATEGY 1

Robert Otuya, University of Eldoret, Kenya

Len Tiu Wright, University of Huddersfield, UK

Daniel Tarus, MOI University, Kenya

Sahil Raj, Punjabi University, India

Thomas Cheruiyot, MOI University, Kenya

Norman Wright, Utah Valley University, USA



Nathamba Bazinzi, Makerere University, Uganda

Ananth Chiravuri, United Arab Emirates University, UAE

Jeff Peterson, Utah Valley University

Abdul A. Rasheed, University of Texas at Arlington, USA

11:30-1:00




Session 4c Technology Management

Session 5c STRATEGY 2

Session 6c BUSINESS LAW, CORPORATE SOCIAL RESPONSIBILITY AND ETHICS










Nicholas Serykhan, Mount Kenya University, Kenya



2:00-3:30

Session 1d ACCOUNTING

Session 2d MARKETING 4

Session 3d OPERATIONS MANAGEMENT 2


Session 5d INTERNATIONAL BUSINESS



Justus Munyoki, University of Nairobi, Kenya.

Maher Itani, Lebanese American University, Lebanon

Michael Korir, MOI University, Kenya

Osman Bin Mohamad, Multi Media University, Malaysia

Ambrose Kiprop, MOI University, Kenya

Allan Simiyu, MOI University, Kenya

Abdel Hafiez Ali Hasaballah, Qassim University, Saudi Arabia

Evans Mwiti, Mount Kenya University, Kenya

Jeff Peterson, Utah Valley University, United States



4:00-5:30

Session 1e HUMAN RESOURCE MANAGEMENT


Session 3e INFORMATION SYSTEM MANAGEMENT 2



Session 6e RECREATION AND EVENTS MANAGEMENT



Joseph Kiplagat, Technical University of Kenya, Kenya


Osama Sam Al-Kwifi, Qatar University, Qatar

Damiana Kieti, MOI University, Kenya



Maureen Andrade, Utah Valley University, United States


Allam K. Abu Farha, Qatar University, Qatar


EXPLORATORY AND CONFIRMATORY ANALYSIS FOR THE JAKARTA’S CUSTOMER DECISION TOWARD PRODUCT AND SERVICES OF ISLAMIC

BANKS

M. Arief Mufraini (State Islamic University (UIN) Syarif Hidayatullah)

Abstract: The study exploratoring initial research to test a theoritical hypotesis and goes toghater with confirming a previous empirical study of customer decision. Customer decision toward conventional banks product and services could be confirmatory but customer decision toward islamic bank and services should be exploratory. Thus, it is quet critical to ask question does it exploratory factors meet confirmatory factors to influence decision of islamic bank customer and what factors that influence more?. 200 samples took a place to be verified and to generate useful insight to complete theories. The result of exploratory factor analysis shows that 23 items of factors can be extracted into 6 factors, namely accessibility, product, syariah insight on the islamic bank operation, promotion related to customer emotion for being moslem, service facility and brand image. But based on these six factors, testing the model specification confirms that the best fit of the model specification that influences the customer's decision is by excluding the sharia factor as the factors influencing the customer's decision. Keyword: Exploratory Factor analysis [EFA], Confirmatory Factor analysis [CFA], product and services, customer, and Islamic Bank.

Introduction Indonesia'sbankingworldisshapingupinthefaceofindustrialrevolution4.0.Indeed,Jakartaisthemostperfectregionintheimplementationofdigitalbankingproductsandservices.Digitaleconomicactivitiesisgrowingsofastandfariousforthemetropolitansociety.Ontheotherhand,JakartaalsoshowsthepoliticalphenomenonofsympathizersofIslam.Shariabecomesanissueintheelectionofregionalgovernor,suchaneventof212ontheyear2017reallyinspirethemetropolitancommunitystillstrugglingwithinanissuesofunderstandingreligiouspractices.Nowonderifthecommunity’ssentimentthatemergedwastheshariacooperativemovementandhalal industriesfromthe212alumnae. The development of Sharia Bank in Indonesia is applied in Dual-Banking system, this of course presents alternative choice for customers in choosing and deciding which Bank is best as place to manage and save their money, besides, for national economic growth, it is of course welcomed positively, because the system will certainly encourage widespread public fund mobilization in conducting transaction activities, both in the sector of financing and investment.Sharia Banking growth until 2017 shows the fact that Sharia Bank in Indonesia has become an interesting option for customers to place their funds. The growth of Sharia Bank as third-party funds is primarily derived from the rise of Murabahah Deposit, followed by Mudharabah Savings and Wadiah Deposits which also increase, although the increase is not comparable with the increase that occurred in Murabahah Deposit and Mudharabah Savings. This phenomenon needs to be carefully observed, where the continuous increase of third-party funds from 2013 to 2017 is a concrete form of the flow of public funds to the Sharia Bank.

Figur 1. The Growth of Sharia Banking in Indonesia

Source : Bank Indonesia This phenomenon shows that more and more people are using Sharia Bank products

and services. Total third-party funds from December 2013 to July 2017 continue to increase, ranging from Rp 183.534 (in billion rupiahs) in 2013 and Rp. 309.006 (in billion rupiahs) in 2017. Increasing assets by providing productive financing and performing good asset management, making Total Sharia Bank Assets from December 2013 to July 2017 continue to increase, ranging from Rp 242.276 [in billion rupiahs] in 2013 and Rp. 379.669 [in billion rupiahs] in 2017. This shows that customers' trust to invest their funds in sharia banks is increasing every year.

The growth of third-party funds, as well as a significant increase in assets certainly raises the question of what is the dominant factor affecting customer decisions to use Sharia Bank products and services? Is it true that the relevance of Islamic religion especially in the aspect of sharia compliance influences the decision making to use the products and services

of Sharia Bank? Or because of other factors? The point is what are the dominant factors affecting customer decisions in using Sharia Bank products and services?

As consideration and benchmark comparisons in the research foundation by researchers, Rashid and Hasan (2009) place the aspect of sharia compliance as a major factor for clients in Bangladesh with an age ranging between 31-40 years old, this is reinforced through a Study conducted by Muslim investors in Malaysia that stipulates that religion has an influence on a someone’s decision to invest (Muhamad, Devi, & Abdul Mu'min, 2006). This is supported by Bley and Kuehn (2004) with the results of his research which states that Muslims preference in the UAE to choose sharia banking is driven by a religious belief rather than a financial knowledge. A global survey is also conducted by the Economist Intelligent Unit, an institutuin under the auspices of Kuwait Finance House, in 2012 shows that the sharia compliance aspect plays an important role in influencing customers' preferences for sharia bank (Economist, 2012). This result is also in accordance with research conducted by Nawi, Yazid and Mohammed (2013) and Okumuş (2005) who presented similar results.

Hayat and Khuram (2011) in his research indicate that sharia bank customers place the sharia compliance feature of sharia banking services in the last order among other criteria they use to choose sharia bank. Dusuki and Abdullah (2007) also explained that sharia banks should not only rely solely on religious factors as a strategy to ensure customer loyalty but also emphasize the provision of quality and efficient products and services for their customers, because services quality is the critical success factors that affect the competitiveness of an organization. Jazim (2009) said that in some conditions satisfaction on sharia compliance may be an important factor in choosing sharia banks, but in other circumstances it is possible that the aspect of sharia compliance is not a factor for customers to choose Sharia Bank, some of review and literature reveal a number of motives that formed a number of factors that have a significant influence on the decision of customers to choose sharia banks (Hamid and Nordin, 2001; Ahmed and Haron, 2002; Metwaly, 2002; Bley dan Kuehn, 2004; Zainuddin, 2004; Okleyus, 2005; Balnkson, 2007) such as economic factors, comfort, influence of others, satisfaction of product and service of the bank, reputation, and social responsibility

Based on the research background as stated above, the formulation of the problem in this research are: “What factors will be formed from the sharia factor, product factor, facilities and services, precise factor, promotion factor, encouragement and socialization, brand factor and other becomes the dominant factor affecting customer decisions in using the products and services of sharia banks and how these factors reflect customer decisions”. Literature Review on Consumer Behavior, Preference and Decision Consumer behavior is complex, implicit theory is just one of the many factors that build consumer psychology, besides, the mindset is also one of the factors that can influence consumer behavior (Mary C. and Carol S, 2016), according to Philip and Barton, (2004)

changes in consumer behavior in the banking world can basically be caused by administrative costs, poor service and inconvenience of facilities, it is a factor that can affect consumer behavior in deciding to change the bank. If a customer should be charged a high administrative fee, either on each transaction with another bank, as well as ATM administrative burden on a monthly basis, but what they receive is poor service and facilities, then it certainly can affect the consumer's point of view to the bank itself.

Mary and George (2008) find that the quality of banking products and services offered along with a good image of the bank itself has a positive effect on the decline in changes in consumer behavior, while demographic characteristics, such as gender and education levels, have little effect on changes in consumer behavior. Consumer taste is a marketing term that means the possibility of choosing one thing of another (Keria, Jamil and Firdaus, 2016). In the economy, consumer tastes are defined as individual tastes and measured by the usefulness

of various items (Sowunmi, Omigie, & Daniel, 2014). Abdelghani and Oladokun (2012) find that the main criteria for customer selection is the quality and convenience of the service. It is a combination of the quality of service offered, comfort, employee hospitality, competence and knowledge, professional advice given by employees, location, and acceptance.

While choosing sharia bank due to the religious motivation of the customers, there are few customers who choose sharia banks because they are thinking of long-term satisfaction and the rest of the other customers choose sharia banks simply because of lack of other alternatives in their respective situations, in addition there are several other factors why customers choose sharia banks as their place of deposit, which includes the availability of ATM machines, efficiency, and physical appearance of the bank and recommendations from third parties. (Abdelghani and Oladokun, 2012)

Devlin and Gerrard (2005) have examined the criteria of customers in choosing a bank. In this research they try to investigate the customer in conventional bank and not sharia bank. Using a quantitative investigative technique involving 495 respondents, they argue that the results showed a significant difference between the selection of the first and second banks. Where recommendations from others are influential and significant in encouraging the choice of a second bank. Offering much higher incentives can also encourage the choice of a second bank, but it does not have much effect overall. Service expectation and low cost turns out to have less significant impact in encouraging customers to choose a second bank, and it is recommended that the marketing system of each bank should be further improved.

Kun lee and Shakir (2011) stated that almost all sharia bank’s customers believe that being a good Muslim is important to them, it shows that the customers consider the sharia bank as a financial institution that leads to religious values and hopes that the institution will comply with sharia principles. As expected, over 95 percent of customers in Pakistan responded that bank compliance with sharia principles is important. Even all respondents claim that they have the authority or influence to transfer their funds from one bank to another if they feel dissatisfied with the sharia services or compliance of a bank, but convenience is also the second most important factor for choosing a bank, and people might argue that 12,6 percent of customers may have chosen sharia banks simply because of easy access to the nearest branch.

In Malaysia, the study of the criteria for choosing a sharia bank is still scarce. In this case, Dusuki and Abdullah (2007) examine the reasons that motivate customers in Malaysia to use sharia banks. The researchers used a combination of Friedman test and factor analysis. Their findings indicate that the selection of sharia banks is a combination of Islamic and financial reputations, as well as the quality of services offered by banks. Wan Ahmed (2008) selected 27 criterias that, according to previous research, may influence the choice of the bank customers, in this context in Malaysia. Some of the 27 criterias are related to the religiosity of banks, such as Islamic features such as the absence of usury fees and trust in the Sharia Board. The writers develop an index that reflects the level of religiosity. Such index unifies the basic facts of sharia, faith, Islamic law, and morality (virtue or ethics). The writers report that “the index is found to be right-winged as expected because a Muslim should be religious” with almost 72 percent of respondents having a medium or high religiosity index score. Research Methods The research was performed on islamic banks located in Jakarta. 200 samples of customer of Islamic Banks was taken based on non probability sampling method. The analysis tools used in this research are Exploratory Factor Analysis (EFA) and Confirmatory Factor Analysis (CFA). EFA differs from the CFA in which Exploratory Factor Analysis is designed to explore the underlying factor structure of the observed variables without the previously established

model or structure of results. EFA allows the determination of the underlying structure for a group of measurable variables, EFA does not postulate any relationship in a priori, nor is it related to hypothesis testing related to theoretical model (Tony, 2014)

In this research the process of analysis is conducted only until the step of interpreting the factors that have been formed and give the name of the factors formed. The writers do not continue on the validation and scoring steps, as both steps are necessary if you want to perform regression analysis and discriminant analysis. While the purpose in this research is merely to know the factors that will be formed on the variables that already exist. And the use of CFA allows to test a construct relationship between observed variables and latent variables. The use of CFA is based on a theory and requires appropriate model specifications in the determination of a number of factors, as well as the identification of variable loads on each factor. (Tony, 2014)

Variables and Operational Definitions Operational definition is the specific way in which customer decision ‘as main variables’ is measured in a particular to this study. It is crtical to operationally define factors and atribbutes in order to lend credibility to the methodology and to make sure the reproducibility of the findings. Author believe another study may measure the same variable differently. Factors and attributes measured as follow :

Table 1. Operational Definition of Variables No Factors Attributes Scale 1 Aspects of Sharia

Compliance 1. Respondents’ religion. 2. The existence of prohibition of usury. 3. Regarding the system of profit sharing applied

by the bank. 4. Implementation of Islamic sharia principles in

every transaction. 5. Regarding the channeling of funds managed by

the bank.

Ordinal

2 Product 1. Variety of products offered. 2. Percentage of profit-sharing ratio offered. 3. Ease of product in conducting transaction. 4. The features contained in the product

Ordinal

3 Facilities and Services

1. Wide branch office. 2. ATM facilities. 3. Complete banking transaction facilities. 4. Service of employees.

Ordinal

4 The place 1. An easily accessible location. 2. Strategic place. 3. Attractive building. 4. Being in a location that is not prone to crime

Ordinal

5 Promotion, Encouragement and

Sosilization

1. External impulse. 2. Advertising performed by banks. 3. Solicitation of using sharia bank by some circles

of Islam.

Ordinal

6 Brand and other factors.

1. A well-known bank name. 2. Jargon from sharia bank 3. Rate of return

Ordinal

Source: Processed data

Findings and Discussions The type of research that researchers do is exploratory and confirmatory nature which is useful to answer the question of ‘what factors’, so to get answers to these questions will provide insight and deep understanding of an object, through a number of observed factors/variables for latent variables, in this case are the factors influencing customer decisions in choosing Sharia Bank products and services. Exploratory Factor Analysis This research variable consists of 23 attributes that the level of validity and reliability have previously been tested, then put into factor analysis to test the value of KMO and Barlett and MSA.Once tested, the KMO and Bartlett test value is 0,877 with a significance level of 0,000. Therefore, the variables and the existing samples can be analyzed further.

Table 2. KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy.

.877

Bartlett's Test of Sphericity Approx. Chi-Square 2194.255 df 253 Sig. .000

Source: SPSS Output Results The MSA value for the religion attribute is 0,849, the usury prohibition attribute is

0,731, fair and transparent profit sharing attribute is 0,873, the Islamic sharia principles in every banking transaction attribute is 0,870, the investment / financing for good and halal business attribute is 0,833. Products that are diverse, interesting and innovative attribute is 0,907, Percentage of profit sharing ratio attribute is 0,808, ease of product in conducting banking transaction attribute is 0,923, support feature / convenience contained in product attribute is 0.910. Facilities of many branch offices in various regions attribute is 0,905, Facilities of ATM networks of Bank Sharia (ATM Bersama and Prima) attribute is 0,841, a complete banking transaction facilities attribute is 0,895, friendly and fast service from the employee is 0,814.

Sharia bank location which is easy to reach attribute is 0,862, sharia bank location is in strategic place attribute is 0,914, for attractive, comfortable and pleasant building attribute is 0,827, sharia bank location is in a safe place (not vulnerable) attribute is 0,929. The existence of encouragement from outsiders (family, friends and others) attribute is 0,884, promotion performed by sharia bank attribute is 0,891, socialization of sharia bank performed by some circles of Islam (teachers, leaders, lecturers and others) attribute is 0,925. For the well-known and reliable sharia bank name attribute is 0,850, sharia compliance aspect attribute is 0,763, and last for the high return return in sharia bank attribute is 0,905. With MSA number criteria above 0,5, it is seen that all variables already have MSA above 0,5. Thus the 23 attribute can be analyzed further. Factoring and Rotation After all the attributes are eligible for analysis, the next step is to perform the core process of factor analysis, which is doing extraction of a set of variables, to form one or more factors. In doing this extraction factor process, the used method is Principal Component Analysis. After 23 attributes are formed, with a factor that contains a number of attributes, a attribute may be difficult to determine which will go into which factor. To overcome this situation, rotation process on the factors formed can be done, so it will clarify the position of a attribute, will it

be included on one factor or to another factor. In this research, the rotation process is using Varimax method (part of Orthogonal).

Table 3. Communalities

Attributes Initial Extraction

Your Islam 1 0.588 Prohibition of usury 1 0.63 Fair and transparent sharing system 1 0.644 Sharia principles in every transaction 1 0.634 Investment for business that is good and halal 1 0.688 Diverse, interesting and innovative product 1 0.729 Percentage of the profit-sharing ratio 1 0.636 Ease of product in banking transaction 1 0.73 Supporting features available in the product 1 0.695 Facilities of branch offices in the region 1 0.577 Facilities of atm network (Bersama and Prima) 1 0.742 Complete banking transaction service 1 0.776 Friendly and fast service from employees 1 0.698 Location of Sharia Bank is easy to reach 1 0.747 Location of Sharia Bank is in strategic place 1 0.756 Sharia Bank building is attractive, comfortable, and fun 1 0.659 Location of Sharia Bank is in a safe place (not vulnerable) 1 0.582 The existence of encouragement from outsiders (family, friends, etc.) 1 0.668 Promotion (advertising) by Sharia Bank 1 0.665 Socialization of sharia banks conducted by some circles of Islam (leaders, teachers, etc.) 1 0.663

The name of a well-known and trusted Sharia Bank 1 0.684 Sharia banks have implemented the aspect of sharia compliance 1 0.76 High rate of return in Sharia Bank 1 0.489

Extraction Method: Principal Component Analysis. Source: SPSS Output Results

Base on the Communalities output table result, the value for being moslem is 0,588, this shows that about 58,8% of the variance of the respondent's Islamic variables can be explained by the factors formed (table 4. The Component Matrix, there are 6 components which means there are 6 factors formed). The prohibition of usury attribute, the value is 0,630. Fair and transparent profit sharing system attribute, the value is 0,644. Sharia Principles in every banking transaction Attribute, the value is 0,634. Investment / financing for good and halal business attributes, the value is 0,688. Diverse, interesting and innovative bank product attribute, the value is 0,729. The percentage of profit sharing ratio attribute, the value is 0,636. Ease of products in conducting banking transactions attribute, the value is 0,730. The supporting feature / convenience contained in the product attribute, the value is 0,695. Facilities of many branch offices in various regions attribute, the value is 0,577.

The facilities of ATM network attribute, the value is 0,756. The complete facilities of banking transaction attribute, the value is 0,776. Friendly and fast service of the employee attribute, the value is 0,698. Sharia bank location which is easy to reach attribute, the value is 0,747. Sharia bank location is in strategic place attribute, the value is 0,756. The attractive,

comfortable, and pleasant sharia bank building attribute, the value is 0,659. Sharia bank locations which is in a safe place (not vulnerable) attribute, the value is 0,682. The existence of encouragement from outsiders (family, friends and others) attribute, the value is 0,668. Promotion conducted by sharia bank attribute, the value is 0,665. Socialization of sharia banks by some circles of Islam (teachers, leaders, lecturers, and others) attribute, the value is 0,663. For the well-known and reliable sharia bank name attribute, the value is 0,684. Sharia bank has implemented the aspect of sharia compliance attribute, the value is 0,760. High returns in sharia bank attribute, the value is 0,489. This means that 48,9% variance of high returns in sharia bank attribute can be explained by the factors formed. All value of each attribute represent the precentage of the variance of each attribute that can be explained by the factors formed.Provided that the greater the value of the Communalities of a attribute, it means the closer the relationship with the factors formed.

Furthermore, in the Total Variance Explained table, the results show that there are 23 attributes (Components) included in the factor analysis.

Table 4. Total Variance Explained

Component Initial Eigenvalues Extraction Sums of Squared Loadings

Total % of Variance Cumulative % Total % of Variance Cumulative % 1 8.029 34.910 34.910 8.029 34.910 34.910 2 2.146 9.331 44.241 2.146 9.331 44.241 3 1.589 6.908 51.149 1.589 6.908 51.149 4 1.392 6.052 57.201 1.392 6.052 57.201 5 1.191 5.180 62.380 1.191 5.180 62.380 6 1.091 4.745 67.125 1.091 4.745 67.125 7 .877 3.813 70.938 8 .766 3.329 74.267 9 .682 2.966 77.233 10 .638 2.775 80.008 11 .540 2.347 82.355 12 .523 2.276 84.630 13 .471 2.047 86.678 14 .410 1.785 88.462 15 .397 1.726 90.189 16 .391 1.700 91.888 17 .368 1.599 93.487 18 .303 1.318 94.805 19 .289 1.255 96.060 20 .271 1.179 97.239 21 .244 1.060 98.299 22 .209 .909 99.208 23 .182 .792 100.000

Extraction Method: Principal Component Analysis Source: SPSS Output Results

The table shows only six factors formed, because with one factor, the eigen values are above 1, with two, three, four, five and six factors eigen values also still above 1. But seven factors, the eigen values are below one, which is 0,877.

Once it is known that six factors are the most optimal, the Component Matrix output table shows the distribution of the 23 (twenty-three) attributes on the six factors formed. While the values in the table is Factors Loading, which shows the magnitude of the correlation between a attribute with factor 1, factor 2, factor 3, factor 4, and so on. The process of determining which attributes will go into which factor is done by doing a large comparison of correlations on each line. If there is any unclear correlation on each factor loading then rotation is performed.

Table 5. Rotated Component Matrix (a)

Component 1 2 3 4 5 6

Your Islam .195 .411 .358 .467 -.185 -.016 Prohibition of usury .112 -.071 .774 .092 .019 -.070 Fair and transparent sharing system .149 .213 .745 .107 .016 .099 Sharia principles in every transaction .009 .477 .577 .031 .156 .221 Investment for business that is good and halal

-.016 .363 .633 -.060 .261 .288

Diverse, interesting and innovative product

.153 .773 .116 .243 .185 .034

Percentage of the profit-sharing ratio .058 .773 .000 .099 -.006 .159 Ease of product in banking transaction .382 .675 .292 .172 .112 .028 Supporting features available in the product

.334 .656 .333 .179 .099 .016

Facilities of branch offices in the region .538 .157 .205 .355 .272 .143 Facilities of atm network (Bersama and Prima)

.103 .082 .109 .266 .800 .038

Complete banking transaction service .500 .251 .158 .278 .599 .054

Friendly and fast service from employees .368 .069 .038 -.057 .691 .277 Location of Sharia Bank is easy to reach .798 .077 .168 .265 -.011 .082 Location of Sharia Bank is in strategic place

.808 .084 .159 .245 .100 .008

Sharia Bank building is attractive, comfortable, and fun

.707 .151 -.099 -.150 .254 .200

Location of Sharia Bank is in a safe place (not vulnerable)

.662 .291 .029 .081 .214 .079

The existence of encouragement from outsiders (family, friends, etc.)

.045 .143 -.023 .787 .163 .003

Promotion (advertising) by Sharia Bank .226 .154 .066 .668 .288 .239 Socialization of sharia banks conducted by some circles of Islam (leaders, teachers, etc.)

.372 .245 .219 .618 -.056 .179

The name of a well-known and trusted Sharia Bank

.247 .007 .054 .147 .110 .766

Sharia banks have implemented the aspect of sharia compliance

.013 .135 .130 .043 .066 .847

High rate of return in Sharia Bank .130 .368 .027 .350 .193 .419

Extraction Method: Principal Component Analysis. Rotation Method: Varimax with Kaiser Normalization. a Rotation converged in 6 iterations Source: SPSS Output Results

Rotated Component Matrix shows the clear and real distribution of attributes. Explanation below will explain which factor of existing attribute will go into. Of the 23 (twenty-three) attributes that have been reduced to only 6 (six) factors, which are: a. Factor 1 consists of attributes of facilities of many branch offices in various regions, the

location which is easy to reach, location which is in strategic place, attractive, comfortable and pleasant building, the location is in a safe place (not vulnerable).

b. Factor 2 consists of attributes of products, percentage of profit sharing ratio, ease of product in conducting banking transaction, support feature / convenience contained in a product.

c. Factor 3 consists of attributes of usury prohibition, fair and transparent profit sharing system, sharia principle in every banking transaction, investment / financing for business that is good and halal.

d. Factor 4 consists of attributes of respondent’s religion, encouragement from outsiders (family, friends and others), promotion by sharia bank, socialization conducted by some circles of Islam (teachers, lecturers, leaders and others).

e. Factor 5 consists of attributes of ATM network (ATM Bersama and Prima ATM) network, complete facility of banking transaction service, friendly and fast service from the employees.

f. Factor 6 consists of attributes of well-known and reliable sharia bank name, sharia bank has implemented the aspects of sharia compliance, and high returns.

Table 6. Component Transformation Matrix

Component 1 2 3 4 5 6 1 .540 .502 .355 .396 .319 .267 2 -.553 .466 .586 -.031 -.360 -.061 3 -.321 -.063 .057 -.376 .408 .762 4 .408 -.239 .554 -.639 .062 -.238 5 -.098 -.685 .461 .528 -.059 .160 6 .352 -.010 -.087 -.113 -.771 .511 Extraction Method: Principal Component Analysis. Rotation Method: Varimax with Kaiser Normalization

Source: SPSS Output Results In the Component Transformation Matrix table, the values on the diagonal, between

Component 1 and 1, Component 2 with 2, Component 3 with 3, Component 4 with 4, Component 5 with 5, and Component 6 with 6. Then it will show three values which are above 0,5 which are factor 1 with 0,540, factor 4 with -0.639 (the “-” indicates only the direction of correlation) because there is no distinctly different correlation, and factor 6 with 0,511. this is also supported by the results of the Almossawi (2001) xxx research which found that the most important motives are convenient ATM location, availability of ATM in several locations and bank reputation.

And the remaining three values are below 0,5 which are factor 2 with 0,466, factor 3 with 0,057 and factor 5 with -0,059 (the “-” indicates only the direction of correlation). Although only 3 factors have correlations above 0,5 (factors 1, 4 and 6) this is enough to prove the three factors or Components (factors 1, 4 and 2) that are formed is quite precise, because they have a fairly high correlation, eventhough it will be better if all factors have a correlation of above 0,5 that can prove the factors or Components that are formed is very precise, because it has a very high correlation (all factors correlation values are above 0,5).

Confirmatory Factor Analysis As an advanced stage of factor analysis decision, the validity of the results of the factor analysis is again tested with the CFA approach. The first model specification test is performed using the same data from the EFA results, and the factor loading arrangement follows the results of the above EFA analysis. The CFA model specification results show as in the following picture:

Figur 1. Customer Decision Specification Model

Source : Amos result recaptured If the author use the validity criteria with a standardized solution factor ≥ 0,50. The value of the standard factor can be seen in the diagram above. Thus, there are no observed attributes of customer decisions with values below the standardized solution. However, if the author use the validity criteria with standardized solution factor ≥ 0,70. Thus, there are observed attributes of customer decisions with values below the standardized solution. The observed attributes factor 3 and factor 6 can be excluded from the model. To that end, the writers can take the respecification model.

Factor 3 consists of attributes of usury prohibition, fair and transparent profit sharing system, sharia principles in every banking transaction, investment / financing for business that is halal and good. While Factor 6 consists attributes of well-known and reliable sharia bank name, sharia bank has implemented the aspects of sharia compliance, and high returns. Based on the result of output and the formation of EFA where only 3 factors have correlation above 0,5 (factor 1, 4 and 6), and after the previous research results, where the religiosity factors less interest in the use of sharia bank services, the writers issue ovserved attributes from factor 3. It is also supported by Deasy and Ari (2015 put forward the results of interviews with seven informants who use financial services at Bank Muamalat that they use Bank Muamalat not for avoiding the usury factor, but because of the service and administration fees provided by Bank Muamalat is lower than conventional bank. In addition, one informant also gave information that Bank Muamalat does not charge administration fees when making transactions with different banks through ATM.

After re-tested, the value of factor 1,2,4,5,6 observed from customer decision is not entirely below standardized solution value of 0,70. for more details, the output track diagram is as follows:

Figur 2. Customer Decision Respecification Model

Source : Amos result recaptured

Then from both the above model specifications, it can be compared which model has

better match. As illustrated in the Goodness fit statistics table for the results of the first model specification test, based on the cut off score, p-chi square, normed chi square shows less good match. Neither the other goodness fit indexes such as NCP, ECVI, RFI, NNFI, RMSEA show less good match. However, the value of NFI, CFI, IFI, PNFI, PGFI have shown a good match. In addition, AIC and CAIC show better values than subsequent respesifications model. As for Goodness fit statistics for the results of respesifications model test [after removing factor 3] it appears that p, chi square, normed chi square values have shown a good goodness fit. NCP and ECVI values are smaller than the first NCP and ECVI values. The RMR and RMSEA values show a good model match. The values of GFI, AGFI, NFI, NNFI / TLI, CFI, RFI, IFI also show better model matches than the first specifications model. And the AIC and CAIC values of respesification model show a smaller positive than the first specification model. However, the value of PNFI and PGFI first specifications model is better than respesifications model. For more details, description of each goodness fit can be seen in the following table:

Table 7. Goodness fit Statistics specification and respecification of Decision Model of the Customer

Goodness fit Cut Off Value Spesification Respesification Index Value Interpretation Value Interpretation

P Not significant is better .000 Significant .079 Not significant Chi Square The smaller the better 32.544 Greater 9.016 Smaller

Df 9 5 Normed Chi < 2 4.629 Not fit 1.803 Good fit Square(X²⁄df)

NCP The smaller the better 23.544 Greater 10.016 Smaller RMR < 0.05 .017 Good fit .014 Good fit

RMSEA < 0.08 .114 Not fit .077 Good fit ECVI The smaller the better .283 Greater .175 Smaller GFI > 0.90 .947 Good fit .970 Good fit

AGFI 0-1; ≥0.9=Good fit; .877 Marginal fit .910 Good fit

0.8≤AGFI<0.9=Marginal fit

NFI 0-1; ≥0.9=Good fit; .920 Good fit .955 Good fit

0.8≤NFI<0.9=Marginal fit

higher

NNFI/TLI 0-1; ≥0.9=Good fit; .900 Marginal fit .938 Good fit

0.8≤TLI<0.9=Marginal fit

CFI 0-1; ≥0.9=Good fit; .940 Good fit .969 Good fit

Goodness fit Cut Off Value Spesification Respesification Index Value Interpretation Value Interpretation

0.8≤CFI<0.9=Marginal fit Higher

RFI 0-1; ≥0.9=Good fit; .867 Marginal fit .910 Good fit

0.8≤RFI<0.9=Marginal fit

IFI 0-1; ≥0.9=Good fit; .941 Good fit .969 Good fit

0.8≤IFI<0.9=Marginal fit Higher

PNFI The Greater the better .552 Greater .477 Smaller PGFI The Greater the better .406 Greater .323 Smaller AIC Positive, the Smaller the 56.544 Positive 35.016 Positif

better greater Smaller CAIC Positive the Smaller the 108.184 Positif 78.050 Positif

better greater smaller Source: Processed data Then for the reliability value of both models above, shows the value of CR ≥ 0,7 and VE ≥ 0,5. Conclusion and Implication Conclusion The result of exploratory factor analysis shows that the factors that build customer decision on the use of Sharia Bank products and services are from 23 attributes that can be extracted / reduced to 6 factors. In which the first factor is accessibility factor related to the easiness factor to reach the location of sharia bank. Second is the product factor associated with a number of indicators that show the uniqueness of products and services of sharia bank based on the sharia principles. Third is sharia factor related to sharia insight in operational presentation of sharia bank’s products and services in sharia method. Fourth is the promotion factor associated with the promotion that attracts the customers’ emotions of Islam. Fifth is the facilities and services factor that are offered by sharia bank. Sixth factor is the brand image of sharia banks that are associated with image and branding that is built by sharia bank to attract customers.

From the six factors, model specification testing confirms that the best fit of the model specification that influences the customer's decision is by not including the sharia factor as the factors influencing the customer's decision. Implications From result of the research, we can know that place factor, product factor, syariah factor, production factor, facility and service factor, and brand factor are factors influencing customer decision of using sharia bank product and service.

Considering the accessibility factor is the dominant factor chosen by the customer, it is necessary to be considered carefully by the management / other related parties to maximize service and quality to customers. Accuracy in location selection and attractive building design, is one of the factors in attracting customers to invest. On the other hand, based on a general understanding of observed variables, it is confirmed that in the use of Sharia Bank products and services, customers interact by showing a general rationality to the Banking / intermediary system beneficiaries. Sharia factors are not the most considered by customers, although the customer's religion remains a dominant enough indicator that is extracted on the fourth factor.

Product Factor is a very important factor affecting the decision of customers in using the products and services of sharia banks. This tendency identifies that the product being offered plays an important role. The product development must continue to be performed in

order to contribute more in attracting third party funds. It is expected that the relevant section can perform a deeper research so that the products offered can meet the wants and needs of the customers. REFERENCES Abdelghani Echchabi, Oladokun Nafiu Olaniyi, (2012) "Malaysian consumers' preferences for

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