Acceptance of Islamic Hire Purchase Facility

bankers bankers bankers acceptance Of Moslem involve secure quickness A showcase probe among round In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 CHAPTER ONE 1. 0 demonstration OF THE retire up admission The Moslem conceit of Al-Ijarah Thumma al-bay refers to lease or utilize or rent ending with purchase. It is a type of lease which concludes with option to acquire back which is concludes the legal title of the leased asset and willing be passed to the les mind at the end of the period.It is one of the contemporary innovative products which atomic number 18 use to chafe word the public demand at the same time, securing long term competitiveness in the monetary market. AITAB comprised two fires which atomic number 18 al-ijarah (leasing or renting) and followed by al-bay (sale) attempt. Al-Ijarah a contract whereby the lessor ( Moslem curse) will rent the assets to the lessee (customer) over a certain period and at the end monthly rental amount as agreed by two parties. (Khir et al. 2008) Al-Bay upon completion of the rental period or upon the early settlement the lessor will then enter into the sale contract with the lessee to sell the asset at a pre-agreed selling price. (Khir et al. , 2008) Al-ijarah and al-bay be both categorised under the contract of exchange. The former re of late to the exchange of usufruct for money, while latter involves the exchange of good for money. In AITAB the contract of al-ijarah runs separately from the contract of al-bay. Since both contracts ar executed in a sequence.A newly contract AITAB apprize be use to detect the process of converting an Ijarah into a sale contract. (Khir et al. , 2008) AITAB is one of the contemporary innovative approaches in the Moslem learn purchase instrument which is an preference product to courtly hire purchase. The meaningful battle amongst the two is that Moslem hire purchase is a unique contract involving a combination of two different cont racts, thus involving a trope of legal and shariah issues. It 1 toleration Of Moslem engage purchase instalment A part Study among mental faculty In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 c on the wholes for special rules on leasing and sale at different stages of the transactions in the light of shariah. It refers to owning the benefit of certain assets for a specific period of time, by paying an agreed sum of rental, with an agreement that the possessor will transfer the rented asset to the hirer at the end of the agreed period or during the period, provided all rental retributions or instalments have been made in entirety.The transfer of ownership is affected by a new and in open contract, either by with child(p) the asset as a gift, or selling it at an agreed price. (AlZuhayli, 2002) Conventional hire-purchase, the product is considered as a loan to which interest rate and hiring heads would be applic equal and in case of late payment of instalment price, interest would accumulate. But in Islamic hire-purchase, the product is considered as a mode of financing, non a loan and the product would have a profit rate and a mark-up and for late payment of instalment price, completely late payment charge pre-agreed would be applicable. Billah) Based on the disceptations above, the tec engineer the study among stave in Jabatan Pelajaran Negeri Kelantan to identify the most epoch-makingly criterias such as perception, competency among car principal sums and vernacular ships officer and apprisedness can mildew them in order to accept Islamic hire purchase readiness. The issue for the acceptance of Islamic hire purchase installation will be collected by distributed the questionnaire to 200 staff in Jabatan Pelajaran Negeri Kelantan.After that, the analysis will be interpreted by employ the SPSS 20. 0 program. 2 borrowing Of Islamic engross bargain for induction A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kot a Bharu 2012 1. 1 BACKGROUND OF COMPANY JABATAN PELAJARAN NEGERI KELANTAN ESTABLISHMENT HISTORY Jabatan Pelajaran Negeri Kelantan history live on when the director maiden (formerly cal guide Penguasa Pelajaran) namely Encik Mohd Ghazali B. Mohd Ariffn designate at year 1992. He then awarded with the title Dato Bentara Luar and work until year 1930.The office first located in building surviven by the name of Pejabat Panjang, namely a building nearby Istana Kota Lama. Then in year 1930 an on the other hand Pejabat Pelajaran perish on the other hand to other building cognize by the name of Pejabat Pohon Celagi namely Kelantan State Secretary building, nearby old office building. In year 1965 the office move on the other hand to new building namely Bangunan Persekutuan that is today. From year 1922 to 18 august 1998 there are 25 people conductor.They are made up 13 people noble Malay, 10 people noble English and 2 people that noble Chinese. Director Encik Saw Chee Ling had given h is suffice for 12 years. Since colonial era until today, Jabatan Pelajaran Negeri Kelantan has been expanding rapidly him in effort increase this quality education in harmony with Education Philosophy policy country. Today, Jabatan Pelajaran Negeri Kelantan has owned 10 sectors that include Sektor Khidmat Pengurusan dan Pembangunan, Sektor Pengurusan Sekolah, Sektor Pengurusan Akademik and Sektor Pendidikan Islam.Under this department withal be accomplished State Educational Technology Division. While at district level on the other hand was constituted ten parts of Pejabat Pendidikan Daerah namely Pejabat Pendidikan Daerah Kota Bharu, Pejabat Pendidikan Daerah Pasir Mas, Pejabat Pendidikan Daerah Tumpat, Pejabat Pendidikan Daerah Pasir Puteh, Pejabat Pendidikan Daerah Bachok, Pejabat Pendidikan Daerah Tanah Merah, Pejabat Pendidikan Daerah Machang, Pejabat Pendidikan Daerah Kuala Krai, Pejabat Pendidikan Daerah Gua Musang and Pejabat Pendidikan Daerah Jeli. Acceptance Of Islamic Hire get Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 1. 2 PROBLEM STATEMENTS Dual banking system imposes by Bank Negera Malaysia affecting the demand for Islamic financial product. This short letter has influenced some staff in Jabatan Pelajaran Negeri Kelantan to choose Islamic or conventional hire purchase loan for buying car. In this study, staff perception toward Islamic hire purchase adroitness implies whether they are really known some the AITAB operation itself.Researcher in any case identify common perception toward AITAB contract which is profit charge are too costly, penalty charge for late payment, accordance with syariah guideline and more Researcher also knows car dealers and bank officers also as immensity key player toward acceptance of Islamic hire purchase installment. Thus, searcher also identify common problem about competency among car dealers and bank officer whether among them are wishing of association abo ut Islamic financial product.former(a)s problem that search worker identify is cognisance among staff in Jabatan Pelajaran Negeri Kelantan itself whether they aware about Islamic Hire bribe instalment or not. The common problem on awareness among staff is what Islamic Hire acquire have compared to conventional, the humanity of Islamic financial product, the modus operandi of the AITAB contract itself and more. I. 3 OBJECTIVES OF THE STUDY There are several objectives that have been developed in this research as the followingI. II. lead. To insure staff perception toward Islamic hire purchase facility.To identify competency among car dealers and bank officers. To evaluate effects of awareness among staff in Jabatan Pelajaran Negeri Kelantan. In this research, research worker identifies the most contributing situationor of acceptance of Islamic Hire corrupt facility among staff in Jabatan Pelajaran Negeri Kelantan is awareness. This had be proven by Pearson correlation ki n at r = 0. 837 4 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 1. 4 SCOPE OF THE STUDYThis study will focus on the acceptance towards Al-Ijarah Thumma Al-Bay, Islamic hire purchase facility among staffs in Jabatan Pelajaran Negeri Kelantan. In this research, investigator had pick up about 200 staff from the state of 460 staff in Jabatan Pelajaran Negeri Kelantan as are respondents to complete the questionnaire. The respondent of this study are all staff in Jabatan Pelajaran Negeri Kelantan which are mostly involve in hire purchase facility that offered by Islamic and conventional bank. The researcher has chosen this area because of high population. 1. LIMITATIONS OF THE STUDY The first limitation is that the probability of absenteeism of the respondent due to leave or outstation since all respondents is the staff of Jabatan Pelajaran Negeri Kelantan. The second limitation is lack of intimacy. Researche r does not have experience and never been exposed in making a complete research in the university. Researchers will facing difficulties to understand the word using by the respondent. The third limitation is uncooperative respondent. In process of gathering the information, researcher will have to collect info through the questionnaire.However, it can be difficult to gain full cooperation and commitment from the respondent and they may think that it does not give any advantage to them. Respondent also will take a real long time to answer the questionnaire and it also will make the researcher take a long time to analysis the data. unified constraint also can be a limitation in this study because the respondent cannot give hundred pct performances in answer the questionnaire. 5 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 1. 6 SIGNIFICANT OF STUDYTo the Manager Help the omnibus to identify the behavio ur of his subordinates and how they react towards the acceptance of Al-Ijarah Thumma Al-Bay Islamic Hire Purchase Financing as their source of car financing. To the researcher It will provide bettor understanding and can give new knowledge to the researcher. The study will be conducted to give a clear picture on the staffs awareness and acceptance on the AlIjarah Thumma Al-Bay Islamic Hire Purchase Financing. The result of the study will help the researcher to know the stuffs perceptions towards factors that influence stuffs decisions in accepting Islamic Financing Product.To the public The data gathered in this study can help the individual to gain more knowledge about the substantial and benefits of accepting Al-Ijarah Thumma Al-Bay Islamic Hire Purchase Financing as part of their source of car financing. This study may increase the level of awareness and create acceptance among public about Al-Ijarah Thumma Al-Bay Islamic Hire Purchase financing as their source of car financing decisions. To others The information may be apply by the financial insane asylum to improve the services related with Islamic Car Financing product. This study may provide utilizable information for further research in this area of interest.The rememberings of this study could provide some form of empirical data for future research in this area. It could perhaps also help in the more effective implementation of Al-Ijarah Thumma Al-Bay Islamic Hire Purchase Financing. 6 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 To the bank There are a lot of benefits of this research to the bank. From this research, it will provide information to the bank on the real scenario. Therefore, the bank can use this information and results to improve its management, services, efficiency and etc.In fact, with this research it will help the bank to come out with new strategies and solutions to monitor its profitability and can improve its performance. Thus, the bank can also use the recommendations suggested by the researcher to improve its performance and position. 7 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 1. 7 DEFINITION OF TERM Al-Ijarah Thumma Al-Bay In the context of Islamic finance, the ijarah idea is usually applicable in financing contracts such as in real property financing, vehicle financing, project financing and personal financing.There are also financing products that enable customers to lease assets from Islamic financial institutions with an option to acquire the leased assets at the end of the lease tenure based on the concept of ijarah muntahia bi al-tamlik or al-ijarah thumma al-bai (Bank Negera M. , 2010) Perception Customers perceptions are often identified by their level of satisfaction towards particular products or services. (Nurdianawati I. A, 2006) Competency More competent, knowledgeable emp loyees are more likely to design processes and deliver services that conform to customer needs. (Ahmad, 2010). consciousness Research on bank substitute in Malaysia find that almost degree centigrade per cents of Muslims and 75% of non-Muslims were aware of the domain of Islamic banks. Most of them wished to have a family relationship with these banks if they had a complete understanding of this system. (Sudin Haron N. A. , 1994) Acceptance AITAB is a name which seizure a public acceptance because it provides better(p) features compared to conventional hire-purchase. Muslim customers, who accept and understand its operation, request it as an alternative to conventional hire-purchase. (Nurdianawati I. A, 2006) 8Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 CHAPTER TWO 2. 0 INTRODUCTION LITERATURE REVIEW Literature review is important as references and as a guideline to the researcher in conducting res earch and to search the information. It also employ as the supporter to the study that will be conducted. This chapter will discuss about the literature review which relevant to the topic of the study. The purpose is to ensure that no important shifting that has in the past been found repeatedly to have had an impact on the problem is ignored. . 1 Acceptance AITAB is a name which capture a public acceptance because it provides better features compared to conventional hire-purchase. Muslim customers, who accept and understand its operation, request it as an alternative to conventional hire-purchase. They will come to an institution which they know offering such Islamic product. For example, many merged customers come to Bank Pembangunan to purchase machinery through AITAB facility, because they know the benefits that the facility has to offer, for example, full margin of financing and lower penalty for late payment. Nurdianawati, 2006) Other finding shown AITAB also gains support from the non-Muslims. In some institutions, 60% of their customers are non-Muslims, comprising the Chinese in majority. They can see the advantage of signing up AITAB, which is 1% penalty for late payment, as compared to conventional hire-purchase which imposes 8% penalty. (Bank Negara, 1998) A survey in United Kingdom found the demand for Islamic financing will grow in future if Islamic banks pratice the correct marketing footsteps. In the research, five (5 %) percents of Muslim in United Kingdom are loyal customers to the Islamic financial services.Majority of muslim are still comfortable with the conventional financial services, while only a quater of muslims tend to show preference for Islamic finance. (Humayon, 2004) 9 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 2. 2 Perception Nowadays, in the dual banking system that had been fare by Malaysia giving an effect to the consumer to choose either Isl amic Hire Purchase or Conventional hire purchase. Mostly Muslim customers claim that there are no differences amid Islamic Hire-Purchase and Conventional Hire Purchase.Islamic banking products are available at two full pledged Islamic banks and at all commercial and merchant banks in Malaysia. However, these products are still not fully accepted by customers. According to Norafifah Ahmad and Sudin Haron (2002), at the end of 2000, total make at conventional banks was RM381 billion while total deposit in Islamic Financial Institution was RM31 billion. In the case of loans, RM416 billion was extended by conventional system, and RM21 billion was given by Islamic system. This results indicates that perception of Conventional System were far good than Islamic financial system.Islamic Hire purchase (AITAB) provides better features compared to conventional hirepurchase. Muslim customers, who accept and understand its operation, request it as an alternative to conventional hire-purchase. They will come to an institution which they know offering such Islamic product. Moreover AITAB also gains support from the non-Muslims. In some institutions, 60% of their customers are non-Muslims, comprising the Chinese in majority. They can see the advantage of signing up AITAB, which is 1% penalty for late payment, as compared to conventional hire-purchase which imposes 8% penalty. Nurdianawati, 2006) Perceptions of Malaysian corporate customers of Islamic banking products and services indicated that Islamic banks were not the main choice because of the lack of knowledge. More than half of the respondents (65 %) said they had curb knowledge of the Islamic banking system. This study shows that Islamic banks have not conducted enough programmes to educate people or lift their products to the public. (Norafifah Ahmad, 2002) 10 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012They showed that 63 % of Muslim respondents possess limited knowledge of IBF. They do not fully understand the operation of IBF even though Islamic banking has been established in Malaysia for more than twenty years. This factor has led to low usage of Islamic banking facilities among the Muslim respondents. (Sudin Haron N. A. , 1994). A similar situation occurred in Singapore, where only 22. 6 percent of Muslims deposit money in Islamic banks solely because of religion (Gerrard, 1997) Another important indicator determining customers positive or negative perception is their patronage criteria towards the service provider.In one of the earliest patronage studies on Islamic banking, Erol and El-Bdour (1989) discovered that the most important criteria considered by customers in patronising Islamic banks are provision of fast and efficient services, the banks reputation and image, and confidentiality. Others study found that religion is not the main factor encouraging Muslims to choose Islamic banks to hold their fun ds. Their findings also indicate that bank customers perceived no difference between the services offered by Islamic and conventional banks, the former being perceived as merely duplicating the latter. Erol C. K. -B. , 1990). In addition, many of muslim also doubt of shariah permissibility on the Islamic banking instrument. (Humayon, 2004) In Malaysia, customers positive perception towards Islamic banking is far more crucial mainly due to the fact that Islamic banks have to compete with the long established conventional banks in a dual-banking system. Since 1983, Malaysia to date has a dual banking system, whereby the Islamic banking system operates in parallel with the conventional system.The former is currently represented by 27 banking institutions, comprising nine Islamic banks and 18 conventional banking institutions (eight commercial banks, four merchant banks and six ignore houses) offering Islamic banking products and services under the Islamic Banking Scheme (IBS), also k nown as Islamic windows. (Bank Negera, 2005) 11 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 2. 3 Competency Customers also may not to choose Islamic Hire Purchase facility for their car financing due to lack of competency among car dealers and bank officers.Most car dealer claimed there is no differences between Islamic and conventional thus give impact to costumers decision. The misleading view of AITAB among the customers is partly contributed by the lack of experience and knowledge among bank officers in giving correct and satisfactory explanation about AITAB. Some of these bank officers do not even understand the distinction between AITAB and conventional hire-purchase. Many say that both products are similar especially with regards to its documents, procedures and governance.Hence, they are unable to highlight the advantages and benefits of AITAB as compared to conventional hirepurchase. (Nurdianaw ati, 2006) More competent, knowledgeable employees are more likely to design processes and deliver services that conform to customer needs. (Ahmad, 2010). In addition, development of distract employee skills and competencies is important determinant of better service quality and favorable consumer perceptions about service delivery (Chung, 2002) Furthermore, a dealer acts as a middleman between a financial institution and a customer.In Malaysian context, the customer usually approaches the dealer first for the purpose of purchasing a particular vehicle before applying hire-purchase facility from a financial institution. In fact, the customers choice between conventional and Islamic financing facility depends mostly on the dealers explanation and recommendation. Ideally, a dealer with a high Islamic conscience proposes AITAB to the customer and able to explain how the facility works, its advantages and differences from conventional facility. However, not all dealers are equipped wit h in-depth understanding of AITAB facility.Thus, it is pass judgment that they would not be able to educate their customers accordingly. In reality these dealers even tend to propose conventional facility either because their understanding of AITAB is limited or they 12 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 do not want to expose their customers to an unnecessarily complicated situation. (Nurdianawati, 2006). In addition, many dealers that are lack in understanding of AITAB facility assume the facility offered by Islamic and conventional bank are totally same.They only concern with their commission for their sales. 2. 4 Awareness. Haron et al. (1994) who pioneered in the research on bank patronage in Malaysia find that almost 100 per cent of Muslims and 75% of non-Muslims were aware of the existence of Islamic banks. Most of them wished to have a relationship with these banks if they had a complete understanding of this system. In Singapore, a study by Gerrard and Cunningham (1997) revealed that the Singaporeans, Muslims or non-Muslims, are habitually unaware of the principles of Islamic banking.Study in Humayon (2004) shown some of the muslims may not aware of the Islamic financial instrument in the financial market. Others study on Singapore by Haron, Ahmad and Planisek (1994) revealed that only 40 percent of Muslim customers consider religion as an important factor in patronizing banks. Similarly, there is general lack of awareness of Islamic banking system among Singaporean communities, be they Muslims or non-Muslims. These results suggest that Islamic banks do not need to rely on the religious factor as a strategy in attracting customers, but they should focus more on provision of quality and efficient services.One of the contributing factors to this absence of awareness among Muslims is the lack of understanding of Islamic banking. A study conducted in Singapore showed that only 20. 7 percent know the meaning of Riba and 31 percent know the meaning of Shariah. The study also showed that only 3 percent can explain accurately the meaning of Ijarah, Mudarabah 13 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 and Musharakah.Surprisingly, no one could explain accurately the meaning of Murabaha (Gerrard, 1997) Rammal and Zurbruegg (2006) found that it is important for financial institution to understand the dynamism of customer segmentation, build customer relationship and address requirement and preferences of specific segments. By doing so, it will boost up customer credit and create awareness among consumers. This finding then supported by Harun et al. (1992) where there is no world-shattering difference between Muslims and Non-Muslims in their selection criteria.Islamic banking product employ different names for their product and it has cause several difficulties and m isunderstanding by customers, some claimed that it is a religious product that only meant for Muslims, and some just find it too difficult to learn the names therefore they stay a way of life (Nordin, 2001). According to them again, what is actually taught to the Malaysians since their pre-school period is aqidah and understanding of Islamic principles but little wildness is given to the muamalat or the daily transaction activities according to Islam.In another study of Malaysian commercial customers and their views of Islamic financial services, Haron et al. (2002) noted that 65% of the respondents admitted to having limited knowledge of Islamic banking, while at the same time indicating that they believed the concept had good potential in the Malaysian market. Bley and Kuehn (2004) found a high level of ignorance among the ccc interviewed Muslim with regard to what constitutes acceptable Islamic finance principles. He reported that the higher the religious commitment and the lowe r the level of general education, the stronger the preference for Islamic over conventional finance.His study also revealed that overall students knowledge of conventional and Islamic finance terms and concepts was surprisingly low among students in United Arab Emirates. 14 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 CHAPTER 3 RESEARCH METHODOLOGY 3. 0 INTRODUCTION In this chapter, it will focus on the research methodology that will use in this study. In essence, research methodology will provide researcher the needed information that guides researcher to make informed decisions to successfully deal with the problems.The information gathered could be the result of the analysis of data gathered at first hand or the data that are already available. Research methodology will presents the reputation of study, data sources, pilot study and dependableness examening, data accrual and data analysis techni que. 3. 1 POPULATION AND SAMPLING DESIGN According to Sekaran, (2006), population is a complete group of entities sharing some common set of characteristics. For this research the population is among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu.This research is using have frame meaning is concerned with the selection of a subset of individual from within a population to estimate characteristics of the strong population. (Malhotra, 2004) in his writing define sample frame as a lists of elements from which a sample may be drawn for identifying the home run population. A sampling frame is a representation of the elements of the target population. In this research, the sampling frame is the staff at Jabatan Pelajaran Negeri Kelantan. The populations taken are 200 from 460 staff. 3. 2 SAMPLE SIZE Sample is a subset, or some part, of a large population.In research, sampling is important because the researcher intend to come up with accurate and reliable findings in order to b e able use for further research. The sample size for this study is the actual number of subjects chosen as a sample to represent the population characteristics, which is according to Sekaran, (2006). Refer to Roscoe (1975), sample size larger than 30 and less than 500 are appropriate for most research. So, the researcher decided that the sample of 200 15 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 012 respondents is appropriate to represent the population of staff in Jabatan Pelajaran Negeri Kelantan. 3. 3 SAMPLING METHOD sample dispersion is the process of selecting items from the population so that the sample characteristics can be infer to the population. Sampling involves both design choice and sample size decisions (Sekaran, 2006). The idea of sampling is to select a few samples from a bigger group known as population, so that it becomes a basis for estimating or predicting a fact, situation or effect regarding the actual number of group under study.The method used for this study is convenience sampling. It is the method of drawing samples that does not impose any restrictions. This is also the least reliable sampling that is cheap and convenience. 3. 3. 1 Convenience Sampling Technique Convenience sampling refers to the collection of information from members of the population who are conveniently available to provide it (Sekaran, 2006). considerwhile, Cooper and Schindler (2006), defined convenience sampling is non-probability sampling where researchers use any readily available individuals as participants.It is the most often used during the exploratory phase of the research project and it is perhaps the best way of getting some basic information quickly and efficiently. 3. 4 METHOD OF DATA COLLECTION In this research, the data gathered parallel to the objectives of the study. The methods of data collection that the researcher used to collect the data were primary data and se condary data. 16 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 3. 4. 1 PRIMARY DATA It is the data collected for a specific purpose from original sources.Primary data been obtained by distribution of the respondents selected. The entire questionnaires are collected personally. In this research, the primary data was collected from the personally administered questionnaire. Personally Administered Questionnaire The questionnaire has been designed according to the needs of the topic study. It is to ensure that the respondents would be fully understood and answer all the questions since there is personal administered question. In designing the questionnaires questions, the content, structure and appearance would give an impact to the respondents attitude.Thus, all these things should be properly organized. In the questionnaire designs, the researcher dual-lane it into 3 sections which include as follows Secti on A Section A comprises questions pertaining to their personal particulars. The first part of the questionnaire was divided into 2 areas of information. One was on the personal information and the one on others Islamic financial product. Section B Section B focused on obtaining information on mutually beneficial variable. It is the customer selection criteria for bank. This section is designed by using a Likert eggshell.The student had to circle the appropriate response with the statement from a scale of (1-5) ranging from the caption strongly disagree to strongly agree. Through the 5 point scale, the researcher could decide to what the acceptance of Islamic Hire Purchase facility among staff In Jabatan Pelajaran Negeri Kelantan. Section C Criteria I Criteria I focused on obtaining information on effect of perception in acceptance of Islamic Hire Purchase facility. This section also used a Likert home base. This scale will be 5 point 17 Acceptance Of Islamic Hire Purchase Fa cility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 012 scale wills response of the participant toward on perception towards acceptance of Islamic Hire Purchase facility among staff in Jabatan Pelajaran Negeri Kelantan. Criteria II Criteria II focused on obtaining information on effect of competency in acceptance of Islamic Hire Purchase facility. This section also used a Likert Scale. This scale will be 5 point scale wills response of the participant toward on competency among bank officer and car dealers towards acceptance of Islamic Hire Purchase facility among staff in Jabatan Pelajaran Negeri Kelantan.Criteria III Criteria III focused on obtaining information on effect of awareness in acceptance of Islamic Hire Purchase facility. This section also used a Likert Scale. This scale will be 5 point scale wills response of the participant toward awareness in towards acceptance of Islamic Hire Purchase facility among staff in Jabatan Pelajaran Negeri Ke lantan 3. 4. 2 SECONDARY DATA Secondary data were obtained through searching the journal which published reported of previous researchers that different in authors, perceptions and theories. The data and information are also gathered from the website. 8 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 3. 5 THEORETICAL FRAMEWORK The research model shows that the mutually beneficial variable is the acceptance of Islamic Hire Purchase facility. This dependent variable is transmited to have a significant relationship with personal characteristics, perception, competency and awareness as independent variables. INDEPENDENT VARIABLES DEPENDENT VARIABLE Perception Acceptance of Islamic Hire Purchase facility Competency Awareness Figure 3. 5. 1 The Theoretical Framework of the study.RESEARCH VARIABLES Two main types of variables that are used in this research include dependent variable and independent variable. DEPE NDENT VARIABLE The dependent variable that used in this study is Acceptance of Islamic Hire Purchase INDEPENDENT VARIABLE The independent variables that are used in this research are perception, competency and awareness. 19 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 3. 6 supposition surmisal 1 (Perception) Ho There is no significant relationship between acceptance of Islamic hire purchase acility among staff in Jabatan Pelajaran Negeri Kelantan and perception. H1 There is significant relationship between acceptance of Islamic hire purchase facility among staff in Jabatan Pelajaran Negeri Kelantan and perception. Hypothesis 2 (Competency) Ho There is no significant relationship between acceptance of Islamic hire purchase facility among staff in Jabatan Pelajaran Negeri Kelantan and competency. H1 There is significant relationship between acceptance of Islamic hire purchase facility among staff in Jabat an Pelajaran Negeri Kelantan and competency.Hypothesis 3 (Awareness) Ho There is no significant relationship between acceptance of Islamic hire purchase facility among staff in Jabatan Pelajaran Negeri Kelantan and awareness. H1 There is significant relationship between acceptance of Islamic hire purchase facility among staff in Jabatan Pelajaran Negeri Kelantan and awareness. 3. 7 DATA ANALYSIS AND ADMINISTRATION Data analysis is a procedure to analyze data or information that obtains during the research. In order to achieve the research objective, the data that been obtained from the respondent must answered or fulfill the expectations.In this research, the researcher wants to measure which is the most significant criteria in acceptance of Islamic hire purchase facility among staff in Jabatan Pelajaran Negeri Kelantan. 20 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 The procedure of the analysis that us ed is by using the SPSS 20. 0 software application. in all the data from the questionnaire that answered by the respondents had been analyze using this software. The process of entailing earrangement, breaching down, reduction and separation of data into as many as needed to determine their nature, relative important, functions and interrelationships. In completing this study, it will includes some basis data analysis including dependability analysis, frequency analysis, correlation analysis and multiple regression by using SPSS 20. 0 program. 3. 7. 1 RELIABILITY ANALYSIS According to Sekaran (2006), the reliability of a measure is established by testinging for both consistency and stability.Consistency indicates how well the items measuring stick a concept hang together as a set. The reliability will ensure to test the data. reliability is an attest to the consistency and stability of the measure instrument. The reliability of a measure indicates the extent to which it is with out bias (error free) and hence ensures consistent measure across time and across the various items in the instrument. The most commonly reliability test that has used is Cronbachs Alpha. The Cronbachs Alpha can be interpreted as a correlation coefficient and it range in value from 0 to 1. 3. 7. FREQUENCY ANALYSIS According to Cooper and Schindler (2006), frequency distribution is ordered array of all values for a variable. In order to analyze the whole information of research question based on respondents profile information of the respondents such as gender, marital status, level of income and age. Frequency distribution is also simply reports the number of the responses that each questions received. It is the simplest way of determining the empirical distributions of the variables. The frequency distribution is a display of the frequency occurrence of each scrape value.The frequency distribution can be display is many form such as tabular and graphical form. In this study, the f requency distribution had been measure the questionnaire in section A that it is about respondents profile such as gender, age, race, 21 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 religion, level of education, marital status, salary, sector and had been used any Islamic financial product. 3. 7. 3 PEARSONS correlation coefficient ANALYSIS The other name of Pearsons coefficient of correlation is Pearson correlativity Matrix.The coefficient of correlation is used to determine the magnitude, direction and significant level of relationship between dependent and independent variables. As a descriptive technique, it is very powerful since this method indicates whether variables share is something in common with each other. 3. 7. 4 MULTIPLE REGRESSIONS The multiple regressions describe the strength of the linear relationship between two variables when one is considered the independent variable and the other is the dependent variable (Cooper and Schindler, 2006).Regression is a powerful tool for summarizing the nature of the relationship between variables and for making predictions of likely values of the dependent variables. Regression analysis aids in understanding how much of the variance in the dependent variable may be explained by a set of predictors. For regression coefficient, estimates, model fit and R squared change are chosen in this study. 22 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 CHAPTER FOUR ANALYSIS AND FINDINGS 4. 0 INTRODUCTIONIn this chapter, the researcher will identify the questionnaires response rate from the respondents. After collecting the data, now the researcher able to analyze and interpret it using the SPSS 20 software. Techniques using in interpreting data is by using reliability analysis, frequency analysis, correlation analysis and multiple regression in SPSS programs. These steps are important to see the relationship between the variables and to know the variables are significant or not. 4. 1 FREQUENCIES ANALYSIS A frequency analysis shows the frequency of occurrence of each run into value of the research data.The objective is to obtain a count of number of responses associated with different values of the variable. This analysis is appropriate and suitable to analyze the question in Section A which is respondents profile such as gender, race, religion, level of education, maritial status, age, salary, sector, used others Islamic finance product. postpone 4. 1. 1 Frequency of Section A- Demographics profile Statistics sexual urge AGE RACE RELIGION LEVEL EDUCATION MARITIAL STATUS SALARY SECTOR OTHERS ISLAMIC FINANCIAL PRODUCT Valid N Missing ungenerous Median Mode Std. Deviation Variance Skewness Std.Error of Skewness Minimum Maximum 0 1. 58 2. 00 2 . 496 . 246 -. 306 . 172 1 2 0 2. 44 2. 00 2 . 889 . 790 . 068 . 172 1 4 0 1. 05 1. 00 1 . 240 . 058 5. 207 . 172 1 3 0 1. 05 1. 00 1 . 208 . 043 4. 423 . 172 1 2 0 2. 71 3. 00 4 1. 215 1. 475 . 006 . 172 1 5 0 1. 83 2. 00 2 . 419 . 175 -1. 081 . 172 1 3 0 3. 09 3. 00 3 1. 206 1. 455 . 616 . 172 1 6 0 3. 59 3. 00 1 2. 617 6. 847 . 872 . 172 1 10 0 3. 05 3. 00 5 1. 583 2. 506 -. 021 . 172 1 5 200 200 200 200 200 200 200 200 200 23 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012Profile (n=200) Gender Male Female Age 21 30 years 31 40 years 41 50 years 51 years and above Race Malay Chinese Indian Religion Islam Buddha Level Education SPM STPM Diploma Bachelor Degree Maritial Status Single Married Others Salary RM 1000 and Below RM1001 RM2000 RM2001 RM3000 RM3001 RM4000 RM4001 RM5000 RM5001 and Above Sector Sektor Khidmat Pengurusan & Pembangunan Sektor Pengurusan Sekolah Sektor Pengurusan Akedemik Sektor Pengurusan & Pembangunan Sektor Pendidikan Islam Sektor Penilaian & Peperiksaan Sektor Jaminan Kual iti Sektor Psikologi & Kaunseling Sektor ICT Other Islamic Financial Product Islamic Vehicle Financing Islamic House Financing Islamic Personal Financing Islamic Credit card Takaful Frequency Percent Valid percent 42. 5 57. 5 15. 0 38. 5 34. 5 12. 0 95. 5 4. 0 0. 5 95. 5 4. 5 21. 0 25. 5 19. 5 30. 0 4. 0 19. 0 79. 5 1. 5 4. 5 32. 0 33. 0 15. 5 11. 0 4. 0 30. 0 14. 5 16. 0 5. 0 10. 0 13. 0 2. 5 6. 5 2. 5 25. 5 17. 0 14. 0 14. 5 29. 0 Cumulative percent 42. 5 100. 0 15. 0 53. 5 88. 0 100. 0 95. 5 99. 5 100. 0 95. 5 100. 0 21. 0 46. 5 66. 0 96. 0 100. 0 19. 0 98. 5 100. 0 4. 5 36. 69. 5 85. 0 96. 0 100. 0 30. 0 44. 5 60. 5 65. 5 75. 5 88. 5 91. 0 97. 5 100. 0 25. 5 42. 5 56. 5 71. 0 100. 0 85 115 30 77 69 24 191 8 1 191 9 42 51 39 60 8 38 159 3 9 64 66 31 22 8 60 29 32 10 20 26 5 13 5 51 34 28 29 58 42. 5 57. 5 15. 0 38. 5 34. 5 12. 0 95. 5 4. 0 0. 5 95. 5 4. 5 21. 0 25. 5 19. 5 30. 0 4. 0 19. 0 79. 5 1. 5 4. 5 32. 0 33. 0 15. 5 11. 0 4. 0 30. 0 14. 5 16. 0 5. 0 10. 0 13. 0 2. 5 6. 5 2. 5 25. 5 17. 0 14. 0 14. 5 29. 0 24 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 Table 4. 2. 1 provides an exploration of the sample for the investigation.The total number of respondents was 200 and the demographic profile of the respondents is shown in table. Among the demographic profile of respondents discussed are gender, age, race, religion, level education, maritial status, salary, sector and used others Muslim financial product. Respondents were 42. 5% from male group and 57. 5% of female group. From the races profile, 95. 5% of the respondents are malay, 4. 0% of the respondents are chinese and 0. 5% respondents are indian. Besides that, percentages of the religion profile, 95. 5% of the respondent are Islam and followed by 4. 5% respondent are buddha. Meanwhile, in terms of level education, 21. % of the respondents are SPM, 25. 5% of STPM, 19. 5% of Diploma, 30. 0% of Bachelor and 4. 0% of Mast er. The majority of respondents are married which indicated 79. 5%, 19. 0% are single and followed by others 1. 5%. Reviewing on the ages profile, 15. 0% of respondents were in the ages between 21 30 years old, 38. 5% were between 31 40 years old, 34. 5% were the age of 41 50 years old and 12. 0% the age of 51 years old above. From the salarys profile, 4. 5% of respondents were below RM 1000, 32. 0% were between RM1001 RM2000, 33. 0% were between RM2001 RM 3000, 15. 5% were between RM 3001 RM 4000, 11. 0% were between RM 4001 RM 5000 and 4. % were RM 5001 and above. Reviewing on the sectors profile, 30. 0% of respondents were in the Sektor Khidmat Pengurusan & Pembangunan, 14. 5% were in Sektor Pengurusan Sekolah, 16. 0% were in Sektor Pengurusan Akedemik, 5. 0% were in Sektor Pengurusan Pembangunan Kemanusiaan, 10. 0% were in Sektor Pendidikan Islam, 13. 0% were in Sektor Penilaian dan 25 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelaja ran Negeri Kelantan, Kota Bharu 2012 Peperiksaan, 5. 0% were in Sektor Jaminan Kualiti, 6. 5% were in Sektor Psikologi & Kaunseling and 2. 5% were in Sektor ICT. Meanwhile, in terms of used others islamic financial product, 25. % of respondent were in islamic vehicle financing, 17. 0% were in islamic house financing, 14. 0% were in islamic personal financing, 14. 5% were in islamic credit card and 29. 0% were in takaful. 26 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 4. 2 ANALYSIS OF RELIABILITY The important of the reliability of a measure is to determine the stability and consistency the questions that are distributed to the respondents. This reliability is to test the goodness of the data. Cronbachs alpha is most common used to measure the reliability. The closer Cronbachs alpha is to 1, is the better.In almost every case, Cronbachs alpha is an becoming test of internal consistency reliability. In th is study, the results of reliability test are shown in the table that had separate according to each of the variables. Reliability of measure is established by testing for both consistency and stability. RELIABILITY Less than 0. 6 Range 0. 7 Over 0. 8 RANGES Poor Acceptable Good denotation Sekaran (2006) Alpha Coefficient Ranges 0. 6 0. 6 to 0. 7 0. 7 to 0. 8 0. 8 to 0. 9 0. 9 Strength of Association Poor Moderate Good really Good Excellent Table 4. 2. 1 Ranges of Reliability 27 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 012 Reliability Analysis done when questions from all variables were well structured and can be understands by respondents. It happened and because the Cronbachs Alpha for all variables higher than 0. 6. It representation respondents answered the questions without bias, with consistent and stable. The closer Alpha value is to 1, the higher the internal consistency reliability. The res ults of all variables Reliability Analysis were shown in table below TABLE 4. 2. 2 Reliability Output for section B Acceptance of Islamic Hire Purchase facility Reliability Statistics Cronbachs Cronbachs N of Alpha Alpha Based positions on Standardized Items . 952 . 952 7Item-Total Statistics Scale Mean if Scale Corrected Item Deleted Variance if Item-Total Item Deleted correlation coefficient AC AITAB is the best choice for vehicle financing AC Recommed AITAB contract to others AC Will Use again AITAB contract AC AITAB is suitable with financial planning AC As muslim, no choice expect AITAB contract AC Willing to switch to AITAB AC Understanding make accepting for AITAB 23. 89 23. 92 23. 94 23. 89 23. 98 23. 92 23. 85 25. 526 25. 566 25. 619 25. 606 25. 517 26. 279 25. 860 . 871 . 864 . 852 . 844 . 853 . 742 . 829 Squared Multiple coefficient of correlation . 803 . 795 . 812 . 806 . 744 . 591 . 730 Cronbachs Alpha if Item Deleted . 942 . 942 . 943 . 944 . 943 . 952 . 945 Based on the reliability statistics table, the Cronbachs alpha for the 6 items show the reliability of 0. 952 which mean that this dependent variable is reliable. The result is excellent because according to Sekaran (2010), 0. 9 is excellent. 28Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 TABLE 4. 2. 3 Reliability Output for section C Perception Reliability Statistics Cronbachs Cronbachs N of Alpha Alpha Based Items on Standardized Items . 892 . 893 6 Scale Mean if Item Deleted PR Known about AITAB PR AITAB different from convensional hire purchase PR Accordance with syariah guideline PR Good alternative to acquire assets PR 1% penalty charge for late payment is suitable PR Use AITAB as first choice 19. 56 19. 34 19. 24 19. 33 19. 42 19. 10 Item-Total Statistics Scale Corrected Variance if Item-Total Item Deleted correlativity 14. 570 14. 778 14. 77 16. 421 14. 788 15. 413 . 724 . 783 . 768 . 637 . 681 . 694 Squared Multiple Correlation . 615 . 716 . 689 . 426 . 550 . 574 Cronbachs Alpha if Item Deleted . 872 . 862 . 865 . 885 . 880 . 876 Based on the reliability statistics table, the Cronbachs alpha for the 6 items of perception show the reliability of 0. 892 which mean that this independent variable is reliable. The result is a very good because according to Sekaran (2010), 0. 8 to 0. 9 is very good. 29 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 TABLE 4. 2. 4 Reliability Output for section C CompetencyReliability Statistics Cronbachs Cronbachs N of Alpha Alpha Based Items on Standardized Items . 859 . 861 5 Item-Total Statistics Scale Mean if Scale Corrected Item Deleted Variance if Item-Total Item Deleted Correlation CM Car dealers inform no different between AITAB and conventional hire purchase CM Car dealers lack of information and knowladge about AITAB CM Car dealers only thinking thei r sales bonus CM Bank officer respect your dicision to use AITAB contract CM Bank officer give good respond on request use AITAB Squared Multiple Correlation Cronbachs Alpha if Item Deleted 15. 13 9. 983 .728 .628 .815 15. 14 10. 218 .671 .579 .831 14. 87 9. 846 .721 .548 .818 14. 93 11. 497 .645 .725 .838 14. 93 11. 597 .631 .727 .841Based on the reliability statistics table, the Cronbachs alpha for the 5 of competency show the reliability of 0. 859 which mean that this dependent variable is reliable. The result is a very good because according to Sekaran (2010), 0. 8 to 0. 9 is very good. 30 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 TABLE 4. 2. 5 Reliability Output for section C Awareness Reliability Statistics Cronbachs Cronbachs N of Alpha Alpha Based Items on Standardized Items . 897 . 900 6 Scale Mean if Item Deleted AW Know existance of islamic banking AW Know AITAB is one of islamic financ e product AW AITAB is replace for onventional hire purchase AW Know about 1% charge if late payment AW Know about AITAB had been use by non muslim AW Know about last payment in AITAB is for payment buying asset 18. 80 19. 07 Item-Total Statistics Scale Corrected Variance if Item-Total Item Deleted Correlation 17. 347 16. 538 . 660 . 753 Squared Multiple Correlation . 535 . 695 Cronbachs Alpha if Item Deleted . 888 . 875 19. 20 19. 19 19. 19 17. 005 15. 592 15. 361 .756 . 734 . 745 .656 . 592 . 629 .876 . 878 . 876 19. 38 16. 085 .714 .585 .881 Based on the reliability statistics table, the Cronbachs alpha for the 6 items of awareness show the reliability of 0. 897 which mean that this independent variable is reliable. The result is a very good because according to Sekaran (2010), 0. 8 to 0. 9 is very good. 31Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 4. 3 CORRELATION COEFFICIENTS Correlation analysi s is used for explained whether there is an existence of association and the strength of the relationship between the independent variables (perception, competency, and awareness) towards the dependent variable (acceptance of islamic hire purchase facility). Sekaran (2006) suggested that it would be appropriated to use Pearson Correlation Matrix where it is the first issues to determine is whether the correlation coefficient is statistically significant or not significant.The rules of thumb have been proposed to characterize the strength of the association between variables, based on the irresponsible size of the correlation coefficient. Correlation between Are said to be 0. 8 and 1. 0 Very Strong 0. 6 and 0. 8 Strong 0. 4 and 0. 6 Moderate 0. 2 and 0. 4 Weak 0 and 0. 2 Very Weak Table 4. 3. 1 Rule of Thumb of Correlation Coefficient sizing 32 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 Correlations Mea n Of Perception 1 Mean Of Acceptance . 789** . 000 200 1 200 Pearson Correlation Mean Of Perception Sig. (1-tailed) N 200 Pearson Correlation . 789** Mean Of Sig. (1-tailed) . 00 Acceptance N 200 **. Correlation is significant at the 0. 01 level (1-tailed). Table 4. 3. 2 Pearson Correlation Coefficient between Mean Perception and Mean Acceptance Correlation analysis is conducted to test the relationship between selection decision and service quality. The result of Pearson Correlation tests showed that there is a strong significant relationship (0. 789) between these two variables. The one-tailed significance test is p 0. 000 showing that the outcome of the test is not by chance, and therefore can be confidently accepted or trusted, therefore reject the delusive hypothesis. r(200) = 0. 789, p 0. 0001, one-tailed 33Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 Correlations Mean Of Competency Mean Of Comp etency Pearson Correlation Sig. (1-tailed) N Pearson Correlation Sig. (1-tailed) N 1 200 . 724** . 000 200 Mean Of Acceptance . 724** . 000 200 1 200 Mean Of Acceptance **. Correlation is significant at the 0. 01 level (1-tailed). Table 4. 3. 3 Pearson Correlation Coefficient between Mean Competency and Mean Acceptance Correlation analysis is conducted to test the relationship between competency and acceptance. The result of Pearson Correlation tests showed that there is a strong significant relationship (0. 24) between these two variables. The one-tailed significance test is p=0. 000 showing that the outcome of the test is not by chance, and therefore can be confidently accepted or trusted, therefore reject the null hypothesis. r(200) = 0. 724, p0. 0001, one-tailed 34 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 Correlations Mean Of Awareness Pearson 1 Correlation Mean Of Sig. (1-tailed) Awareness N 200 Pearson . 837** Correlation Mean Of Sig. (1-tailed) . 000 Acceptance N 200 **. Correlation is significant at the 0. 01 level (1-tailed). Mean Of Acceptance . 837** . 000 200 1 200 Table 4. 3. Pearson Correlation Coefficient between Mean Awareness and Mean Acceptance Correlation analysis is conducted to test the relationship between awareness and acceptance. The result of Pearson Correlation tests showed that there is a very strong significant relationship (0. 837) between these two variables. The one-tailed significance test is p=0. 000 showing that the outcome of the test is not by chance, and therefore can be confidently accepted or trusted, therefore reject the null hypothesis. r(200) = 0. 837 , p0. 0001, one-tailed 35 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 4. 4 REGRESSION ANALYSIS Regression is another technique for measuring the linear association between dependent and independent variables.I t become as a subsequent after the correlation coefficient measure. Although regression and correlation are near related, regression assumes the dependent variable is predicatively linked to the independent variable. The result of the Regression analysis were shown as below. Table 4. 4. 1 Regressions poseur Summary Model Summaryb R Square Adjusted R Square . 753 . 750 Model 1 R . 868a Std. Error of the Estimate . 421 a. Predictors (Constant), Mean Of Awareness, Mean Of Competency, Mean Of Perception b. subject Variable Mean Of Acceptance 4. 4. 2 ANOVA ANOVAa Model Regression Residual Total Sum of Squares 106. 215 34. 781 140. 996 df 3 196 199 Mean Square 35. 405 . 177 F 199. 518 Sig. .000b 1 a.Dependent Variable Mean Of Acceptance b. Predictors (Constant), Mean Of Awareness, Mean Of Competency, Mean Of Perception 36 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 Table 4. 4. 3 Coefficient Coefficientsa Unstandardized Standardized Coefficients Coefficients B Std. Beta Error . 161 . 162 . 229 . 218 . 496 Model t Sig. Collinearity Statistics Tolerance VIF (Constant) Mean Of . 251 . 072 Perception 1 Mean Of . 229 . 055 Competency Mean Of . 522 . 069 Awareness a. Dependent Variable Mean Of Acceptance .997 3. 502 4. 195 7. 535 .320 . 001 . 000 . 000 . 294 . 466 . 291 3. 406 2. 144 3. 437Regression analysis were employed to test the influence of three important variable of interest namely perception, competency and awareness. The r-square statistics in the model of summary is 0. 753 or 75. 3%. This implies that 75. 3% of the variation or changes in the dependent variable i. e. acceptance of Islamic hire purchase facility can be attributed to the three independent variables however the remaining 24. 7% is not known and need further investigation. The significance level produced by the ANOVA table showed that the p value is less than 0. 05 implying that the model is valid and the result o f the relationship is not by chance. Therefore we reject the null hypothesis.Finally, researcher found that the three independent variables, perception, competency and awareness have provided enough evidence to influence the acceptance of Islamic hire purchase facility. 37 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 4. 5 HYPOTHESIS TESTING Insignificant = Accept Null Hypothesis (Ho) / Reject Alternate Hypothesis (H1) Significant = Accept Alternate Hypothesis (H1) / Reject Null Hypothesis (Ho) P 0. 05 P 0. 05 After made several analyses to all variables for this study, all hypotheses should be discussed to determine its relevancy and whether it is supported or not. For this study, Pearson Correlation Analysis was used to assess the relationship between independent and dependent variable.Hypothesis 1 (Perception) Ho There is no significant relationship between acceptance of Islamic hire purchase facility among staff in Jabatan Pelajaran Negeri Kelantan and perception. H1 There is significant relationship between acceptance of Islamic hire purchase facility among staff in Jabatan Pelajaran Negeri Kelantan and perception. The result from Pearson correlation shows perception significantly has positive correlated to acceptance at the relationship (r =0. 789). Thus, significant relationship exists and the H1 accepted and reject the H0. Hypothesis 2 (Competency) Ho There is no significant relationship between acceptance of Islamic hire purchase acility among staff in Jabatan Pelajaran Negeri Kelantan and competency. H1 There is significant relationship between acceptance of Islamic hire purchase facility among staff in Jabatan Pelajaran Negeri Kelantan and competency. The result from Pearson correlation shows competency significantly has positive correlated to acceptance of Islamic hire purchase facility at the relationship (r =0. 724). Thus, significant relationship exists and the H1 ac cepted and reject the H0. 38 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 Hypothesis 3 (Awareness) Ho There is no significant relationship between acceptance of Islamic hire purchase acility among staff in Jabatan Pelajaran Negeri Kelantan and awareness. H1 There is significant relationship between acceptance of Islamic hire purchase facility among staff in Jabatan Pelajaran Negeri Kelantan and awareness. The result from Pearson correlation shows awareness significantly has positive correlated to acceptance of Islamic hire purchase facility at the relationship (r =0. 837). Thus, significant relationship exists and the H1 accepted and reject the H0. 39 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 CHAPTER quintet CONCLUSION AND RECOMMENDATION 5. 0 INTRODUCTIONThis chapter discusses the major findings of this study and to identif y whether the finding met with the result conducted. Besides that, the researcher also gives some suggestions and ideas from the result. 5. 1 CONCLUSION In this research, hypothesis was initially tested by using the correlation coefficient to determine its significant level. From the analysis, the results indicated that all the three independent variables in the hypotheses were found to be significant at the 0. 01 level of significant at the (1 tailed). In order to substantiate the hypotheses, the multiple regression analysis was further analyzed. The R-square (R2) value of the model indicates 75. 3% of the variations explained the all independent variable whereas the remaining 24. % cannot be explained and needed further exploration in terms of other concepts which were not included in the study. As a conclusion, all the independent variables have relationship based on the correlation analysis. Awareness was the most factors determinant acceptance of Islamic hire purchase facility among staff in Jabatan Pelajaran Negeri Kelantan followed by perception and competency. 40 Acceptance Of Islamic Hire Purchase Facility A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 5. 2 RECOMMENDATIONS Based on the findings result, the researcher has provided some of the recommendations for this study in order to overcome the problem faced.First of all, this research was successfully done to know the relationships between those independents and dependent variable. Perception Provide Islamic Hire Purchase facility (AITAB) information. Information about Islamic Hire Purchase facility should be unaffixed to find by everybody because majority workers can effort to buy a car. Thus, information should be easily access by consumer in order to get a clear view about Islamic hire purchase facility. For example, Bank Negera Malaysia through website, information about Islamic Hire Purchase facility can be downloaded by anyone. Competency Training the staff Cu stomer is