Md. Aminul Islam
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Preferred name
Md. Aminul Islam
Official Name
Md. Aminul, Islam
Alternative Name
Islam, Md Aminul
Islam, M. A.
Aminul Islam, Mohd
Main Affiliation
Scopus Author ID
57204942879
Researcher ID
AGK-3778-2022

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  • Publication
    Mediating role of entrepreneurial intention on the relationship between entrepreneurship education and employability: a study on university students from a developing country
    ( 2024)
    Md. Abu Issa Gazi
    ;
    Md. Kazi Hafizur Rahman
    ;
    Mohd Faizal Yusof
    ;
    Abdullah Al Masud
    ;
    Md. Aminul Islam
    ;
    Abdul Rahman bin S. Senathirajah
    ;
    Md. Alamgir Hossain
  • Publication
    End-user perspectives on fintech services adoption in the Bangladesh insurance industry: the moderating role of trust
    ( 2024-01-01)
    Hassan M.S.
    ;
    Md. Aminul Islam
    ;
    Abdullah A.B.M.
    ;
    Nasir H.
    This study focuses on understanding the factors that influence end-users’ (customers’) acceptance of fintech services in the insurance industry. The study employed a modified Unified Theory of Acceptance and Use of Technology 2 model, incorporating perceived security and personal innovativeness as independent variables, and trust as a moderating variable. A total of 391 responses were analyzed using partial least squares structural equation modeling in SmartPLS software. The study’s findings indicate that factors such as effort expectancy, social influence, facilitating conditions, perceived, and personal innovativeness positively affect users’ behavioral intention (BI) to use fintech services in the insurance industry. Moreover, BI positively influences the actual use (AU) of fintech services. Additionally, trust plays a positive moderating role between BI and AU. The results of this study have practical implications for academicians, researchers, insurance companies, and insurance regulatory bodies. Academicians and researchers can further explore the acceptance of fintech in developing countries based on these findings. Insurance companies and regulatory bodies can take necessary steps and formulate strategies to promote the adoption of fintech services in the insurance industry, considering the identified factors and the role of trust.
  • Publication
    Users’ fintech services acceptance: A cross-sectional study on Malaysian Insurance & takaful industry
    ( 2023-11-01)
    Hassan M.S.
    ;
    Md. Aminul Islam
    ;
    Yusof M.F.
    ;
    Hussen Naser
    The emergence of fintech services in the insurance industry has been a transformative force, reshaping how insurance companies operate, how policies are sold, and how customers interact with their insurers. Financial technology developments, also known as “fintech,” are changing how financial services are offered, presenting novel possibilities for the insurance industry worldwide. However, in the Malaysian insurance and takaful industry a good number of customers are still dependent on conventional channels like agents and brokers continue to be important sources for purchases and payments related to insurance instead of using Fintech services. The insurance industry's success and growth are highly dependent on adopting technological services offered by companies to make the process efficient and profitable. So, this study aimed to empirically identify the determinants influencing Malaysia's insurance and takaful industry customers to accept the fintech services for insurance-related transactions and activities. The research combined two prominent technology adoption models UTAUT2, and Delone and Mclean IS Success, and proposed a new research framework. The data for the research has been collected from the insurance and takaful industry customers through Google Forms. Finally, 350 responses were received. The PLS-SEM method was utilized to investigate the data by Smart PLS 3.2.9 software. The result of the study revealed that effort expectancy, information quality, service quality, system quality, and perceived risk impact behavioral intention to use fintech services (BI). In addition, the actual use of fintech services is impacted by behavioral intention. Nevertheless, no impact was found in the case of performance expectancy and social influence on BI. The findings of the study are helpful for academicians, researchers, and insurance companies to explore determinants for fintech services acceptance.
  • Publication
    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.
  • Publication
    Investigating the Determinants of Islamic Mobile FinTech Service Acceptance: A Modified UTAUT2 Approach
    ( 2023-02-01)
    Hassan M.S.
    ;
    Md. Aminul Islam
    ;
    Yusof M.F.b.
    ;
    Nasir H.
    ;
    Huda N.
    Financial technology (FinTech) is leading a worldwide revolution to increase financial access. Bangladesh’s financial sector is entering a new era of innovation due to the country’s rapid embrace of financial technology. Mobile FinTech service (MFS) providers achieve unattainable economic peaks every year. The growth of conventional banks’ MFS is significant. However, Islamic banks have a good market share but cannot attract more customers to use the Islamic MFS. This study aimed to determine the factors influencing Islamic bank customers to accept the Islamic MFS. This study utilized a modified UTAUT2 model. Data were collected from 310 Islamic bank customers by using online Google Forms. Structural equation modeling was employed to analyze the data by SMART PLS 3.2.9. The results revealed that social influence, facilitating conditions, price, and perceived credibility have a significant positive effect on Islamic MFS acceptance. However, performance expectancy and effort expectancy showed no impact on Islamic MFS acceptance. This research framework is helpful for academicians and researchers to investigate FinTech acceptance in developing countries. Moreover, the study results are beneficial for MFS providers and FinTech firms.
  • Publication
    The effect of internal audit function characteristics on market value among Indonesian public-listed companies
    ( 2023-10)
    Mariyam
    ;
    Md. Aminul Islam
    ;
    Tunku Salha Tunku Ahmad
    It is widely acknowledged that internal audits should have a value-adding component for all types of companies. This study systematically investigated the effect of internal audit function on the market value of public listed companies in Indonesia. The panel data technique used was based on the data extracted from 44 listed companies over five years (2015 -2021), with 308 observations. The empirical results revealed the Percent Audit Committee (PAC) has a significant and positive impact on market value. The Number of Certified Members (NCM) has no significant effect on market value, while the Percentage of Implemented Findings (PIF) has a significant and positive impact on the market value of companies. Size, leverage, and return on investment (ROI) have a significant impact on the market value of companies. The study offers extended implications in the empirical literature using a different measure of internal audit function characteristics from an emerging market perspective for different organisations. This study provides important implications for investors, managers, researchers, and auditors. Finally, the results of this research may be used by analysts, investors, and other strategic decision-makers in Indonesia to enhance the competitiveness and viability of the country's financial market. The findings will encourage policymakers to enact effective regulations, which could boost Indonesia's financial markets' efficiency and performance.
  • Publication
    End-user perspectives on fintech services adoption in the Bangladesh insurance industry: the moderating role of trust
    ( 2024)
    Md. Sharif Hassan
    ;
    Md. Aminul Islam
    ;
    A. B. M. Abdullah
    ;
    Hussen Nasir
    AbstractThis study focuses on understanding the factors that influence end-users’ (customers’) acceptance of fintech services in the insurance industry. The study employed a modified Unified Theory of Acceptance and Use of Technology 2 model, incorporating perceived security and personal innovativeness as independent variables, and trust as a moderating variable. A total of 391 responses were analyzed using partial least squares structural equation modeling in SmartPLS software. The study’s findings indicate that factors such as effort expectancy, social influence, facilitating conditions, perceived, and personal innovativeness positively affect users’ behavioral intention (BI) to use fintech services in the insurance industry. Moreover, BI positively influences the actual use (AU) of fintech services. Additionally, trust plays a positive moderating role between BI and AU. The results of this study have practical implications for academicians, researchers, insurance companies, and insurance regulatory bodies. Academicians and researchers can further explore the acceptance of fintech in developing countries based on these findings. Insurance companies and regulatory bodies can take necessary steps and formulate strategies to promote the adoption of fintech services in the insurance industry, considering the identified factors and the role of trust.
  • Publication
    The green mindset: how consumers’ attitudes, intentions, and concerns shape their purchase decisions
    ( 2024)
    Md Abu Issa Gazi
    ;
    Abdullah Al Masud
    ;
    Mohd Faizal Yusof
    ;
    Md Asif Billah
    ;
    Md. Aminul Islam
    ;
    Md Alamgir Hossain
    Abstract Purpose. The goal of the present investigation is to find out what effect environmental concern has as a moderator between green brand positioning, green brand knowledge, social value, and perspective on the green brand among young consumers. Design/methodology/approach. Information was gathered from 407 Bangladeshi university students, both public and private. The suggested model was evaluated with the assistance of SPSS version AMOS-24, using the Structural equation Modeling (SEM) method. Findings. According to the standardized path coefficients of the SEM, the findings suggest that environmental concerns have a great deal to do with young people’s green purchasing intentions. According to the results, ‘green brand positioning’ (GBP) and ‘green brand knowledge’ (GBK), directly and indirectly via ‘Attitude towards Green Brand’ (ATGB) affect ‘Green Purchasing Intention’ (GPI). But ‘social value’ (SV) and ATGB are indirectly important factors in determining intent to buy environmentally friendly products and have no direct effect on GPI. Here, as a moderator, ‘environmental concern’ (EC) plays a vital role. Practical implications. These insights may help companies better comprehend how customers view environmentally responsible products as well as what factors influence their purchase decisions. Additionally, it is essential for businesses to appreciate the significance of educating people about environmental issues in order to increase consumer awareness and encourage more sustainable consumption habits. Originality and value. The study’s findings might be quite instructive to firms and businesses and motivate young people to make environmentally friendly purchases. One of the first studies of its kind, its findings are extremely valuable for companies seeking to understand their customers’ perspectives on green brands because they may shed light on how environmental concerns can moderate consumer behavior when it comes to purchasing environmentally friendly products.
  • Publication
    Validating an instrument for measuring brand equity of CSR driven organizations in Malaysia
    ( 2017)
    Karpal Singh Dara Singh
    ;
    Md. Aminul Islam
    The objective of this study is to develop and propose a valid and reliable instrument to measure brand equity of CSR driven organizations in Malaysia. An instrument to measure brand equity was constructed with adaptations from two key sources, namely Yew Leh and Lee (2011) and Yoo and Donthu (2001). As such the study only focuses on the development and validation of an instrument to measure brand equity of CSR driven organizations. The usable sample population included 909 respondents from 12 states of West Malaysia which were selected using a quota sampling plan. Confirmatory factor analysis (CFA) and reliability analysis were carried out to test and validate the proposed brand equity instrument containing four components (brand awareness, brand association, perceived quality and brand loyalty) with a total of 13 items. Results from the CFA and reliability analysis indicated that all the items representing the four components were valid and can be used to measure the brand equity of organizations that are practicing CSR. The study tried to set an empirical basis for brand equity and CSR related research which could be used by future researchers in different industries and geographical locations. The study also implies the need for organizations to assess the success of their CSR efforts through the use of the proposed instrument in order to gauge whether all their CSR efforts translate to improved brand equity.
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