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Zainal Azhar Zainal Azim, Juliza Mohamed, Norhasbi Abd Samad, Aza Azlina Md Kassim, Hairin Nisa Meor Nordin

Last modified: 2017-01-02


This research seeks to measure the relationship between the usage of Ar Rahnu with its operation, shariah views, personal consumption and investment that may assist in economic development of ummah in Selangor. This study is used primary data by questionnaire and the sample consist Ar Rahnu users in population selected. Study conducted in scope of acceptance (on operation and shariah view perspective) and intention (on personal consumption and investment perspective) determinants towards Ar Rahnu. Four independent variable to be measured such as Ar Rahnu operation system, shariah view on Ar Rahnu, personal consumption and investment purpose whereby the dependent variable is the usage of Ar Rahnu. The result revealed that the key driven on the usage of Ar Rahnu among Ar Rahnu users in Selangor significantly based on independent variable selected. As the end, the limitation and recommendation are included to help further researchers to have a better finding of the result.


Ar Rahnu usage, investment, Islamic micro-financing, operation, personal consumption, Shariah.


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