An analytical framework to examine shari'ah-compliant mortgage financing by cooperative financial institutions in Malaysia
This paper presents an analytical framework for exploring and critically examining the supply side’s issues and challenges of offering Shari’ah-compliant mortgage financing by cooperative financial institutions in Malaysia. Concepts from five distinct theories (theory of credit cooperative, transact...
| Main Authors: | , , |
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| Format: | Proceeding Paper |
| Language: | English English |
| Published: |
2014
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| Subjects: | |
| Online Access: | http://irep.iium.edu.my/39445/ http://irep.iium.edu.my/39445/1/An_analytical_framework_to_examine_Shari%27ah-compliant_mortgage_financing.pdf http://irep.iium.edu.my/39445/2/AICIF_20001.pdf |
| _version_ | 1848781785357352960 |
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| author | Zabri, Zaidi Abdul Razak, Dzuljastri Mohamed, Mustafa Omar |
| author_facet | Zabri, Zaidi Abdul Razak, Dzuljastri Mohamed, Mustafa Omar |
| author_sort | Zabri, Zaidi |
| building | IIUM Repository |
| collection | Online Access |
| description | This paper presents an analytical framework for exploring and critically examining the supply side’s issues and challenges of offering Shari’ah-compliant mortgage financing by cooperative financial institutions in Malaysia. Concepts from five distinct theories (theory of credit cooperative, transaction costs theory, theory of credit rationing, agency theory, and stakeholder theory) are modified and integrated to form a hybrid, layered framework. It is then used as a ‘lens’ to highlight the issues pertaining to (business models and strategies, good governance, regulation and supervision, risk management, human resource management) which may influence the success of such product. The analytical framework presented is useful for relevant stakeholders within this milieu on how to manage the issues, challenges, and harnessing the prospects of Shari’ah-compliant mortgage financing products.
Keywords: Shari’ah-compliant mortgage financing, cooperative financial institutions (CFI), analytical framework (AF)
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| first_indexed | 2025-11-14T15:55:05Z |
| format | Proceeding Paper |
| id | iium-39445 |
| institution | International Islamic University Malaysia |
| institution_category | Local University |
| language | English English |
| last_indexed | 2025-11-14T15:55:05Z |
| publishDate | 2014 |
| recordtype | eprints |
| repository_type | Digital Repository |
| spelling | iium-394452018-05-24T06:07:44Z http://irep.iium.edu.my/39445/ An analytical framework to examine shari'ah-compliant mortgage financing by cooperative financial institutions in Malaysia Zabri, Zaidi Abdul Razak, Dzuljastri Mohamed, Mustafa Omar HG Finance This paper presents an analytical framework for exploring and critically examining the supply side’s issues and challenges of offering Shari’ah-compliant mortgage financing by cooperative financial institutions in Malaysia. Concepts from five distinct theories (theory of credit cooperative, transaction costs theory, theory of credit rationing, agency theory, and stakeholder theory) are modified and integrated to form a hybrid, layered framework. It is then used as a ‘lens’ to highlight the issues pertaining to (business models and strategies, good governance, regulation and supervision, risk management, human resource management) which may influence the success of such product. The analytical framework presented is useful for relevant stakeholders within this milieu on how to manage the issues, challenges, and harnessing the prospects of Shari’ah-compliant mortgage financing products. Keywords: Shari’ah-compliant mortgage financing, cooperative financial institutions (CFI), analytical framework (AF) 2014-11-12 Proceeding Paper NonPeerReviewed application/pdf en http://irep.iium.edu.my/39445/1/An_analytical_framework_to_examine_Shari%27ah-compliant_mortgage_financing.pdf application/pdf en http://irep.iium.edu.my/39445/2/AICIF_20001.pdf Zabri, Zaidi and Abdul Razak, Dzuljastri and Mohamed, Mustafa Omar (2014) An analytical framework to examine shari'ah-compliant mortgage financing by cooperative financial institutions in Malaysia. In: 2nd Asean International Conference on Islamic Finance, 12th-14th November 2014, Yogyakarta. (Unpublished) |
| spellingShingle | HG Finance Zabri, Zaidi Abdul Razak, Dzuljastri Mohamed, Mustafa Omar An analytical framework to examine shari'ah-compliant mortgage financing by cooperative financial institutions in Malaysia |
| title | An analytical framework to examine shari'ah-compliant mortgage financing by cooperative financial institutions in Malaysia |
| title_full | An analytical framework to examine shari'ah-compliant mortgage financing by cooperative financial institutions in Malaysia |
| title_fullStr | An analytical framework to examine shari'ah-compliant mortgage financing by cooperative financial institutions in Malaysia |
| title_full_unstemmed | An analytical framework to examine shari'ah-compliant mortgage financing by cooperative financial institutions in Malaysia |
| title_short | An analytical framework to examine shari'ah-compliant mortgage financing by cooperative financial institutions in Malaysia |
| title_sort | analytical framework to examine shari'ah-compliant mortgage financing by cooperative financial institutions in malaysia |
| topic | HG Finance |
| url | http://irep.iium.edu.my/39445/ http://irep.iium.edu.my/39445/1/An_analytical_framework_to_examine_Shari%27ah-compliant_mortgage_financing.pdf http://irep.iium.edu.my/39445/2/AICIF_20001.pdf |