Mohd Zukime Mat Junoh
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Preferred name
Mohd Zukime Mat Junoh
Official Name
Mohd Zukime , Mat Junoh
Alternative Name
Mat, Mohd Zukime
Main Affiliation
Scopus Author ID
56275729000
57210815796
Researcher ID
GPI-0228-2022

Research Output
Now showing 1 - 8 of 8
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Development of the Financial Composite Index for MENA Region: a two-staged principal components analysis

2025 , Mohammad Helmi Hidthir , Ahsan Aslam Khan , Mohd Zukime Mat Junoh , Mohd Faizal Yusof , Zaki Ahmad

The present study aims to compute the level of financial inclusiveness in MENA region countries, considering the three fundamental dimensions that impact financial inclusion: depth, accessibility, and usage of financial services. Moreover, this article incorporates digital payments-related indicators, credit and debit cards, total borrowers, savers, and other indicators to create a more comprehensive financial inclusion index. A two-step PCA methodology with endogenous weighting is employed to develop the financial inclusion index. The data was collected from the IMF and the World Bank from 2010 to 2021. The resulting composite financial inclusion index (FI Index) can be compared across other countries in the MENA region over time, providing a valuable tool for policymakers and evaluators. The two-stage PCA approach implemented in this study addresses the issue of random weight selection and results in a more comprehensive evaluation of the degree of financial inclusion. In summary, this research enhances our understanding of financial inclusion in MENA region countries and offers a methodology to gauge and monitor progress.

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Revisiting the impact of intrinsic financial risks on the firm value of banks in ASEAN-5 countries: a panel data approach

2020 , Oluwaseyi Olalere , Md. Aminul Islam , Mohd Zukime Mat Junoh , Mohammed Masum Iqbal , Wan Sallha Yusoff

The paper aims to explore the impact of financial risks on the firm value of banks in ASEAN-5 countries. The study used the panel data regression model to analyze the available data for 63 commercial banks in ASEAN-5 countries from 2009 to 2017, totaling 567 observations. GMM dynamic estimation was also used for robustness and comparison purposes. The financial risk was measured using the non-performing loans ratio (NPL), the loan to deposit ratio (LD), the liquid asset ratio (LATA), the cost to income ratio (CIR), and the net interest margin (NIM), while firm value was measured using the enterprise value. The study used controlled variables proxied by size, GDP growth and the inflation rate, while the correlation between credit risk and interest rate risk (CR•IR) was also determined. Given the results of the study, credit risk proxy by non-performing loans ratio has a significant positive effect on the firm value, the liquidity risk (LD) has a significant positive impact on the firm value of ASEAN banks, while LATA has a significant negative effect on the firm value. Operational risk (CIR) and interest rate risk (NIM) have a significant negative impact on the firm value of ASEAN-5 banks. Bank size and inflation rate significantly and negatively affect the firm value, while GDP growth is found to have a significant positive impact on the firm value of ASEAN-5 banks. An insignificant interaction is found between credit risk and interest rate risk (CR•IR). The GMM estimation also supported these findings. The results obtained will be an important signal for policy makers, which is useful for the effective mobilization and allocation of credits to productive areas and helps manage inherent risks. The study provides implications for all countries regarding the financial risks associated with the value of the firm. Therefore, this study offers new insights into this relationship by providing useful information to the academics, policy makers, governments, and other stakeholders and serves as a benchmark for further study in this area.

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A preliminary study of factors influencing the intention to adopt Islamic financing facilities among halal-certified companies in Malaysia

2023-06 , Hazalina Mat Soha , Mohd Zukime Mat Junoh , Tunku Salha Tunku Ahmad , Md. Aminul Islam

Halal business and Islamic finance adhere to the same fundamental principles and core beliefs. However, there is a divergence between these two industries, particularly in Malaysia, where the utilisation and adoption rate of Islamic financial facilities is still relatively low. This disconnect is particularly prevalent in Malaysia. In order for a company to run in a manner that is really halal, not only must it concentrate on halal production, but it must also finance the firm using shariah-compliant financing; this is something that has not yet been entirely accomplished. As a result, the purpose of this study is to evaluate the efficacy of the survey instrument in determining the influence of relative advantage, complexity, compatibility, top management support, owner-manager expertise, competitive pressure, and customer pressure on the desire to adopt Islamic finance facilities. Specifically, the aim of this study is to review the usefulness of the survey instrument in determining these factors. At the Halal Fiesta (Halfest), a survey was carried out with 30 halal-certified companies utilising a straightforward random sampling approach. This survey served as a preliminary assessment. The findings of the study provide evidence that there is a need for additional improvement and suggest that the survey instrument is appropriate for a more in-depth study that involves a bigger and more representative sample within the halal business.

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Impact of TBL-based CSR disclosure on financial performance in halal food companies: a system GMM analysis

2025-01 , Zaki Ahmad , Mohammad Helmi Hidthiir , Md Mahfujur Rahman , Mohd Zukime Mat Junoh , Mohd Faizal Yusof

The goal of this study is to evaluate the relationship between corporate social responsibility disclosure and financial performance (Return on Equity and Tobin’s Q) in Halal food companies. The sample consists of 75 listed Halal food companies on the Bursa Malaysia Stock Exchange for the period between 2012 and 2021. Based on the empirical results using a generalized moment of method (GMM), the dimensions of triple bottom line-based corporate social responsibility—economic, environmental, and social—have a significant effect on return on assets. Furthermore, findings indicate that economic factors have an insignificant effect on Tobin’s Q in static models; however, it is significant in the dynamic model of the system GMM. Whereas environmental factor has a highly significant impact on Tobin’s Q in the static model and it has also significant impact in the GMM’s dynamic model. Nonetheless, social factors have a significant effect on Tobin’s Q in both static and dynamic models. The outcome of the study suggests that policymakers must comprehend the significance of corporate social responsibility disclosure, and it is imperative to determine whether Halal food companies must engage in corporate social responsibility disclosure a priori for short and long-term growth.

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Permintaan insurans am syarikat insurans am di Malaysia

2015-06 , Mustazar Mansur , Alias Radam , Mohd Zukime Mat Junoh

Pasaran insurans di Malaysia semakin kompetitif sejak berlaku krisis ekonomi serta wujudnya kepentingan elemen kesolvenan setiap syarikat terhadap keyakinan pemegang insurans. Malah, terdapat syarikat insurans yang tersohor di pasaran terpaksa mengambil tindakan untuk dijual atau diambil alih akibat masalah kewangan atau keberhutangan syarikat mereka. Maka, setiap syarikat perlu tahu atau sedar bahawa penguasaan pasaran (penumpuan pasaran) yang tinggi tidak menjamin keutuhan atau prestasi yang baik pada masa depan. Penumpuan pasaran ini disokong oleh faktor-faktor permintaan ke atas pelbagai jenis insuran am yang ditawarkan oleh setiap firma. Titik tolak dari permasalah tersebut, kajian ini cuba menganalisis hubungan antara faktor-faktor yang mempengaruhi permintaan atau pembelian insurans am dengan kecekapan atau prestasi firma dalam industri ini di pasaran. Akhter & Rehman (2011) yang menganalisis prestasi kewangan industri insurans di Pakistan telah mengenalpasti beberapa petunjuk ekonomi utama yang mencipta permintaan insurans. Faktor-faktor ini telah menyumbang pencapaian kejayaan jangka panjang dan kelestasian pembangunan ekonomi di pasaran insurans. Manakala Cole et al (2009) pula cuba menguji teori permintaan perkhidmatan kewangan di pasaran yang luas tetapi kadar penumpuan pasaran yang masih rendah seperti di India dan Indonesia. Keputusan kajian mereka menunjukkan wujudnya kolerasi kuat antara literasi kewangan dan tingkahlaku pengguna di pasaran. Namun, program pendidikan kewangan di negera tersebut hanya mempunyai kesan sederhana, di samping peningkatan permintaan akaun bank yang perlahan yang disebabkan oleh tahap pendidikan atau literasi kewanganyang masih rendah. Wong Mei Foong (2002) yang mengkaji permintaan insurans hayat di Malaysia menunjukkan terdapat beberapa faktor makroekonomi yang mempengaruhi permintaan agregat insurans am di Malaysia. Secara umumnya terdapat beberapa pembolehubah akan digunakan untuk mengukur setiap elemen tersebut serta melihat hubungkait antara dua elemen tersebut. Menurut V.L.Bajtelsmit & R.Bouzouita (1998) terdapat hubungan signifikan yang positif antara kesan penumpuan pasaran ke atas keuntungan syarikat insurans kenderaan di US antara tahun 1984 hingga tahun 1992. Permasalahan ini cuba dirungkai menggunakan Model Regresi Berbilang untuk melihat hubungan beberapa pembolehubah utama dengan pembolehubah-pembolehubah lain. Keputusan kajian ini mendapati hanya faktor produktiviti iaitu nisbah produktiviti pengurusan (MPR) dan nisbah produktiviti buruh (LPR) yang mempengaruhi secara signifikan ke atas permintaan insurans am di pasaran.Selain itu, terdapatempat faktor lain yang signifikan iaitu tingkat pendapatan perkapita (YPK), indeks harga pengguna (IHP), jumlah kenderaan didaftar (CAR) dan jumlah pendidikan tinggi (STR), namun data makroekonomi lain adalah tidak signifikan.

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Moderating effect of religious orientation on general takaful product pricing and muslim customers purchasing behaviour

2021-02 , Ku Amir Ku Daud , Tunku Salha Tunku Ahmad , Mohd Zukime Mat Junoh

This article illuminates the effects of general takaful product pricing on the purchasing behaviour among Muslim’s customers. This article also shed light on the moderating effect of religious orientation to bridge the gaps of inconsistent findings from previous studies even though previous studies have shown the significant relationship between pricing, religious orientation and purchasing behaviour. The random sampling techniques with 387 samples were used determine the sample size for this study. This study applied the structural equation modelling analysis to examine the effects of pricing and religious orientation on purchasing behaviour as well as the moderating effect of religious orientation between pricing and purchasing behaviour. The findings show that pricing and religious orientation have a significant effect on purchasing behaviour. The findings further show that religious orientation has a significant moderating effect between pricing and purchasing behaviour. In conclusion, the findings were discussed at the end of this article.

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Evaluating the influence of resident agencies’ participation in flood management via social media, in Nigeria

2020 , Aluko Folasade Abimbola , Hanif Suhairi Abu Bakar , Mohd Zukime Mat Junoh , Olusegun Hameed Adebambo

Disaster management is conducted in multilevel and different stages. However, these different stages are tied together by the key infrastructural components of Information and Communication Technology (ICT) such as social media which is central to the effectual management of disaster through residents’ participation. Nevertheless, there has been limited access to information technologies that enhance quick recovery services, timely response, and effective dissemination of disaster-related information. Therefore, this study examined the influence of resident agencies’ participation in disaster management via the use of social media information planning and training possibilities (SMDPT) in Nigeria. The study used a survey questionnaire and stratified random sampling technique to collect 370 primary data from flood disaster management agencies in Ibadan, Nigeria. The collected data were analyzed using Partial Least Square - Structural Equation Modeling (PLS-SEM). The study found that social media information planning and training (SMDPT) had a positive influence on flood disaster preparedness (DPRE), disaster response (DRES), and disaster recovery (DREC). Therefore, the study concludes that social media has become an important tool for planning during an emergency situation. Hence, an important implication of this study to the environmental regulatory policymakers and emergency response agencies is to create more awareness on the usability and applicability of social media in providing credible information regarding disaster management.

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Moderator effects of owner-manager knowledge on the intention to adopt Islamic financing facilities in Malaysia

2023 , Hazalina Mat Soha , Mohd Zukime Mat Junoh , Md. Aminul Islam , Tunku Salha Tunku Ahmad

The research aims to investigate owner-manager knowledge as a moderator variable enhancing the intention to adopt Islamic financing facilities (IFF). Design/Methodology/Approach — The research obtained primary data by conducting a survey of 237 participants from halal-certified companies in Malaysia. The data were evaluated using the partial least squares (PLS) method to verify the hypothesis. Findings — The findings demonstrate a considerable positive influence of relative advantage, top management support, owner-manager knowledge and competitive pressure on the intention to adopt IFF. It was also demonstrated that owner-manager knowledge had a negative and significant effect on the relationship between complexity, top management support, and the intention to apply IFF. Originality/Value — The research identifies a number of gaps in the current literature. Firstly, it addresses the limitations of previous research on the adoption of IFF at an organisational level. Secondly, it examines the role of owner-manager knowledge as a moderating factor in the relationship between innovation, organisational and environmental (IOE) characteristics, and adoption intention, which has not been explored in any empirical studies to date. Research Limitations — This study has two main limitations. Firstly, the data analysis is based on a cross-sectional design, which cannot provide empirical evidence to support causal inferences. Secondly, the majority of the respondents are from the food/beverage/food supplement industry, as revealed in the results. Practical Implications — These findings can guide stakeholders in developing effective strategies to enhance the adoption of IFF by halal-certified companies in Malaysia.

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