Acceptance of Islamic Hire Purchase Facility

Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 CHAPTER ONE: 1. 0 INTRODUCTION OF THE STUDY INTRODUCTION The Islamic concept of Al-Ijarah Thumma al-bay’ refers to lease or hire or rent ending with purchase. It is a type of lease which concludes with option to buy back which is concludes the legal title of the leased asset and will be passed to the lessee at the end of the period.It is one of the contemporary innovative products which are design to meet the public demand at the same time, securing long term competitiveness in the financial market. AITAB comprised two contracts which are al-ijarah (leasing or renting) and followed by al-bay’ (sale) contract. Al-Ijarah: a contract whereby the lessor (Islamic bank) will rent the assets to the lessee (customer) over a certain period and at the end monthly rental amount as agreed by both 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’ are both categorised under the contract of exchange. The former relate 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 are executed in a sequence.A new contract AITAB can be used to describe the process of converting an Ijarah into a sale contract. (Khir et al. , 2008) AITAB is one of the contemporary innovative approaches in the Islamic hire purchase instrument which is an alternative product to conventional hire purchase. The significant difference between the two is that Islamic hire purchase is a unique contract involving a combination of two different contracts, thus involving a number of legal and shariah issues. It 1 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 calls 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 owner will transfer the rented asset to the hirer at the end of the agreed period or during the period, provided all rental payments or instalments have been made in entirety.The transfer of ownership is affected by a new and independent contract, either by giving 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 charges would be applicable 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, not a loan and the product would have a profit rate and a mark-up and for late payment of instalment price, only late payment charge pre-agreed would be applicable. Billah) Based on the statements above, the researcher conduct the study among staff in Jabatan Pelajaran Negeri Kelantan to identify the most significantly criteria’s such as perception, competency among car dealers and bank officer and awareness can influence them in order to accept Islamic hire purchase facility. The result for the acceptance of Islamic hire purchase facility will be collected by distributed the questionnaire to 200 staff in Jabatan Pelajaran Negeri Kelantan.After that, the analysis will be interpreted by using the SPSS 20. 0 program. 2 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 1. 1 BACKGROUND OF COMPANY JABATAN PELAJARAN NEGERI KELANTAN ESTABLISHMENT HISTORY Jabatan Pelajaran Negeri Kelantan history start when th e director first (formerly called 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 known by the name of â€Å"Pejabat Panjang†, namely a building nearby Istana Kota Lama. Then in year 1930 an on the other hand Pejabat Pelajaran move on the other hand to other building known by the name of â€Å"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 Director.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 his service for 12 years. Since colonial era until today, Jabatan Pelajaran Negeri Kelantan has been expanding rapidly him in effort increase t his quality education in accordance 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 also be established 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 Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 1. 2 PROBLEM STATEMENTS Dual banking syste m imposes by Bank Negera Malaysia affecting the demand for Islamic financial product. This situation 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 facility implies whether they are really known about the AITAB operation itself.Researcher also 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 importance key player toward acceptance of Islamic hire purchase facility. Thus, researcher also identify common problem about competency among car dealers and bank officer whether among them are lack of knowledge about Islamic financial product.Others problem that researcher identify is awareness among staff in Jabatan Pelajaran Negeri Kelantan itself whether they aware about Isl amic Hire Purchase facility or not. The common problem on awareness among staff is what Islamic Hire Purchase have compared to conventional, the existence 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 following:I. II. III. To examine 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, researcher identifies the most contributing factor of acceptance of Islamic Hire Purchase facility among staff in Jabatan Pelajaran Negeri Kelantan is awareness. This had be proven by Pearson correlation relationship 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 f ocus on the acceptance towards Al-Ijarah Thumma Al-Bay’, Islamic hire purchase facility among staffs in Jabatan Pelajaran Negeri Kelantan. In this research, researcher had pick up about 200 staff from the population 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 knowledge. Researcher 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 r espondent. The third limitation is uncooperative respondent. In process of gathering the information, researcher will need to collect data 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 very long time to answer the questionnaire and it also will make the researcher take a long time to analysis the data. Corporate constraint also can be a limitation in this study because the respondent cannot give hundred percent 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 manager to identify the behaviour 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 better understanding and can give new knowledge to the researcher. The study will be conducted to give a clear picture on the staff’s 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 stuff’s 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 important 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 used by the financial institution to improve the services related with Islamic Car Financing product. This study may provide useful information for further research in this area of interest.The findings 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 an d 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 concept 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 employees are more likely to design processes and deliver services that conform to customer needs. (Ahmad, 2010).Awaren ess Research on bank patronage in Malaysia find that almost 100 per cents 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. (Sudin Haron N. A. , 1994) 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. (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 research and to search the information. It also used as the supporter to the study that will be conducted. This chapter will discuss about the literat ure review which relevant to the topic of the study. The purpose is to ensure that no important variable 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 corporate 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 measures. 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 practice by Malaysia giving an effect to the consumer to choose either Islamic Hire Purchase or Conventional hire purchase. Mostly Muslim customers claim that there are no differences between Islamic Hire-Purchase and Con ventional 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 deposit 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 limited knowledge of the Islamic banking system. This study shows that Islamic banks have not conducted enough programmes to educate people or promote 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 establ ished 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 bank’s reputation and image, and confidentiality. Others study found that religion is not the main factor encouraging Muslims to choose Islamic banks to hold their funds. Their findings also indicate that bank customers perceived no difference between the services offered by Islamic and co nventional 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 discount houses) offering Islamic banking products and services under the Islamic Banking Scheme (IBS), also known as Islamic windows. (Bank Negera, 2005) 11 Acceptance Of Islamic Hire Purchase Facility: A Case Study among st aff 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 costumer’s 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 proclaim 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. (Nurdianawati, 2006) More competent, knowledgeable employees are more likely to design processes and deliver ser vices that conform to customer needs. (Ahmad, 2010). In addition, development of appropriate 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 customer’s choice between conventional and Islamic financing facility depends mostly on the dealer’s 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 with in-depth understanding of AITAB facility.Thus, it is expected 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) rev ealed that the Singaporeans, Muslims or non-Muslims, are generally 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 me aning of Shari’ah. 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 identification and create awareness among consumers. This finding then supported by Harun et al. (1992) where there is no significant difference between Muslims and Non-Muslims in their selection criteria.Islamic banking product used different names for their product and it has cause several difficulties and misunderstanding by customers, some claimed that it is a religious prod uct that only meant for Muslims, and some just find it too difficult to learn the names therefore they stay away (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 emphasis is given to the mu’amalat 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 300 interviewed Muslim with regard to what constitutes acceptable Islamic finance principles. He reported that the higher the religious commitment and the lower the level of general education, the stronger the preference for Islami c 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 firsthand or the data that are already available. Research methodology will presents the nature of study, data sources, pilot study and reliability test, data collection and data analysis technique. 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 sampling frame; meaning is concerned with the selection of a subset of individual from within a population to estimate characteristics of the whole population. (Malhotra, 2004) in his writing define sample frame as a lists of elements from which a sample may be drawn for identifying the target 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 be able use for further research. The sample size for this study is the actual numb er 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 Sampling is the process of selecting items from the population so that the sample characteristics can be generalized 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 outcome regarding the actual number of group under study.The method used for this study is co nvenience 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). Meanwhile, 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 secondary 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 questionnaire’s 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 divided it into 3 sections which include as follows: Section A – Section A comprises questions pertaining to their personal par ticulars. 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 dependent variable. It is the customer selection criteria for bank. This section is designed by using a Likert Scale.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 Scale. This scale will be 5 point 17 Acceptance Of Islamic Hire Purchase Facility: 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 Kelantan 3. 4. 2 SECONDARY D ATA 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 dependent variable is the acceptance of Islamic Hire Purchase facility. This dependent variable is expected 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. DEPENDENT 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 HYPOTHESIS Hypothesis 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 Jabatan Pelajaran Negeri Kelantan and c ompetency.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 used is by using the SPSS 20. 0 s oftware application. 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 reliability 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 testing for both consistency and stability.Consistency indicates how well the items measuring 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 without 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 Cronbach’s Alpha. The Cronbach’s 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 respondent’s 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 score value.The frequency distribution can be display is many form such as tabular and graphical form. In this study, the frequency distribution had be en measure the questionnaire in section A that it is about respondent’s 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 PEARSON’S CORRELATION ANALYSIS The other name of Pearson’s coefficient of correlation is Pearson Correlation 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 var iable (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 impor tant 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 score 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. TABLE 4. 1. 1 Frequency of Section A- Demographics’ profile Statistics GENDER AGE RACE RELIGION LEVEL EDUCATION MARITIAL STATUS SALARY SECTOR OTHERS ISLAMIC FINANCIAL PRODUCT Valid N Missing Mean 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 & Pep eriksaan Sektor Jaminan Kualiti 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 islamic financial product. Respondents were 42. 5% from male group and 57. 5% of female group. From the race‘s 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 Master. The majority of respondents are married which indicated 79. 5%, 19. 0% are single and followed by others 1. 5%. Reviewing on the age‘s 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 salary’s 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 sector‘s 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 Pelajaran 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. Cronbach’s alpha is most common used to measure the reliability. The closer Cronbach’ s alpha is to 1, is the better.In almost every case, Cronbach’s alpha is an adequate test of internal consistency reliability. In this 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 Source: 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 Very 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 Cronbach’s Alpha for all variables higher than 0. 6. It means respondents answered the ques tions without bias, with consistent and stable. The closer Alpha value is to 1, the higher the internal consistency reliability. The results 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 Cronbach's Cronbach's N of Alpha Alpha Based Items on Standardized Items . 952 . 952 7Item-Total Statistics Scale Mean if Scale Corrected Item Deleted Variance if Item-Total Item Deleted Correlation 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 Correl ation . 803 . 795 . 812 . 806 . 744 . 591 . 730 Cronbach's Alpha if Item Deleted . 942 . 942 . 943 . 944 . 943 . 952 . 945 Based on the reliability statistics table, the Cronbach’s 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 Cronbach's Cronbach's 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 Correlation 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 Cronbach's Alpha if Item Deleted . 872 . 862 . 865 . 885 . 880 . 876 Based on the reliability statistics table, the Cronbach’s 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 Cronbach's Cronbach's 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 d ealers inform no different between AITAB and conventional hire purchase CM : Car dealers lack of information and knowladge about AITAB CM : Car dealers only thinking their 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 Cronbach's 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 Cronbach’s 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 Statistic s Cronbach's Cronbach's 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 finance 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 Cronbach's 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 Cronbach’s 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 (2 010), 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 analysis 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 absolute 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 Ta ble 4. 3. 1: Rule of Thumb of Correlation Coefficient Size 32 Acceptance Of Islamic Hire Purchase Facility: A Case Study among staff In Jabatan Pelajaran Negeri Kelantan, Kota Bharu 2012 Correlations Mean 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 null 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 Competency 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, p;0. 0001, one-tailed 34 Acceptance O f 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 , p;0. 0001, one-tailed 35 Acceptance Of Islamic Hire Purchase Facility: A Case Stu dy 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.It become as a subsequent after the correlation coefficient measure. Although regression and correlation are closely 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 – Model 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. Dependent 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), Me an 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 v ariables; 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 of 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 stu dy, 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 c ompetency. 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 accepted 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 FIVE: CONCLUSION AND RECOMMENDATION 5. 0 INTRODUCTIONThis chapter discusses the major findings of this study and to identify 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 easy to find by everybody because majority workers can effort to buy a car. Thus, information should be easily access by consume r 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 Customer is

Beijing & population

When we consider the ever increasing global population in today’s world there are many factors which influence the dynamics of population growth. In the past population dynamics was only a matter of live births, deaths and migrations. Life expectancies among the populace were low due to famine; war and disease being common factors keeping most populations from growing.However with the advent of modern technology these issues are no longer the threat they once were. Developing countries have now realized that the continued population growth in a country can be a hindrance to their economic development.However an effort to categorize the population growth in the form of population dynamics is far more difficult today due to various extraneous factors that exist. This topic will take Beijing as an example to illustrate the complications in this subject. It is important to note first that China is the first country in the world with a billion people as its constituents. The popula tion growth of China was in the first phase of democratic transition during the late 19th century meaning they had a high birth rate and a high death rate due to widespread famine at the time.However, the Chinese government realized that their country was in the second phase of democratic transition during the 20th century. Meaning they would had a high birth rate and a low death rate with a high rate of fertility which the government surmised would be a huge blow to their economy. In order to counteract this government began enforcing the single child-policy offering incentives for those parents who had one child and taxing those who had more than one. They also encourage sterilization, abortions and kept a strict record of the parents who had children while discriminating against those who had two or more.They started family planning programs which were geared towards voluntary fertility reduction. Migration was also encouraged for youths who wished to leave the country for seek n ew economic opportunities. While all these factors lend themselves to being calculated by the formulae set by population dynamics. In the case of Beijing these dynamics cannot be calculated due to the immense population which resides there. It should also be noted that most of the population which participates in these voluntary fertility reduction programs are those from the middle class.While those individuals from the lower class not only have more children than the middle class they are also harder to document due to the fact that most of the lower class population is involved primarily in the field of agriculture. Their lower social economic scale lends them to being uneducated and undocumented thus creating a problem in ascertaining the factors of population growth. Additionally the increasing technological progress has also increased the life expectancy in China creating an environment where higher populations of the Chinese people are close to sixty years of age.Documenting the growth activities of such a massive population is not only time consuming and costly. It also creates new complications for the population dynamic that may be unforeseen in a controlled simulation. Economics may increase causing greater emigrations or vice versa, new diseases such as swine flu may strike the elderly portion of the population causing a fundamental decrease, the government may successfully implement greater controls to ensure population decrease, etc.Thus, it is inevitable that the population dynamics of a billion people would reveal certain problems in categorizing the growth potential of a country. However, we must realize that more than anything else this is simply due to the inherent unpredictability’s of the biological and environmental factors at play. References Sociology Online. (2005). Population Patterns And Trends. Retrieved May 20, 2009, from Sociology Online: http://www. sociologyonline. net/text/intro/main/c4b543n. htm

Analysis Of Athena In The Odyssey English Literature Essay

Analysis Of Athena In The Odyssey English Literature Essay After ten years, the Trojan War is over and the Achaeans head home. Some heroes of the war, like Nestor, come home quickly to find things pretty much as they left them. Others, like Agamemnon, arrive home to find things considerably changed. Still others, like Menelaus, wander around for a time but eventually return home safely. Odysseus, on the other hand, has been having no end of trouble getting home. As the story opens, we find ourselves in the tenth year since the end of the war, a full 20 years since Odysseus first left his home and wife Penelope to sail off for Troy with the rest of the Achaean forces. Since then Telemachus, the son of Odysseus has grown up without a father wondering if he will ever come home. Imagine, if you will, that you are in a world that is not of your own. Hear you can walk freely in any form you want. Every word you speak and every action you take can affect the lives of millions and cost them everything. But if you can bring those people together, an d engage them in the test of their lives you would have been the savior and protector of those people. This is the role of Athena in Homer’s epic â€Å"The Odyssey†. In this essay I will analyze Athena’s major role of protection and guidance throughout the epic, and how her use of disguise and transformation affects their motivation and choices in the epic poem. Athena the goddess of wisdom and strategy, a shape shifter of many forms, and daughter of Mà ©tis and Zeus, plays as significant role throughout â€Å"The Odyssey. While she does occasionally judge human actions, the dominant role she plays is to offer challenge and protection to both Odysseus and Telemachus. The goddess Athena becomes their chief protector, and she is seldom far away from Odysseus or his son. Throughout the epic Athena instills confidence into Telemachus and aids him in his travels and journey into manhood. She continually helps Odysseus, giving him advice and practical assistance. At hena’s role is not just that of helping Odysseus and Telemachus; she also helps in their development as characters, teaching them patience, humility, and restraint. From her first act of assistance to her final peacemaking, she is largely responsible for the development and conclusion of the plot. Telemachus’ daydreams before meeting Athena for the first time: â€Å"à ¢Ã¢â€š ¬Ã‚ ¦sitting among the suitors, heart obsessed with grief. He could almost see his magnificent father, hereà ¢Ã¢â€š ¬Ã‚ ¦Ã¢â‚¬  (B1:L134-136). Growing up without his father Odysseus, the only knowledge Telemachus knows of him are only the stories told to him by his consorts. With all the suitors roaming freely through the great halls of his father’s palace, chasing after his mother Penelope’s hand in marriage, Prince Telemachus is left hopeless to stop them. Athena uses her great skills of strategy and wisdom to quickly find a way to inspire our hero Telemachus to journey to find his father. She shape shifts into Odysseus’ old friend Mentes, and predicts that Odysseus is still alive and that he will soon return to Ithaca.†Take my words to heart. At daybreak summon the islands lords to full assembly, give your orders to all and call the gods to witnessà ¢Ã¢â€š ¬Ã‚ ¦ sail in quest of news of your long- lost father,† Athena declared (B1:L315-325). With these words of encouragement, Athena uses her disguise to influence the prince to find his father. If it not for Athena, Telemachus might have taken his father for dead and encouraged his mother to marry one of her suitors.  The journey is also important because the journey of Telemachus plays an important part of him becoming a man on his own.

What are the factors leading to child labor Thesis

What are the factors leading to child labor - Thesis Example .States Parties recognize the right of the child to be protected from economic exploitation and from performing any work that is likely to be hazardous or to interfere with the childs education, or to be harmful to the childs health or physical, mental, spiritual, moral or social development (Child labor, 2013)." Economic activity conducted by an individual less than 15 years of age, constitutes child labor. This definition of child labor has been provided by the ILO. Some examples of child labor that can be regarded as beneficial are; moderate work after school or engagement in legitimate apprenticeship. Instances of these being contributing to the family business or working on a farm that belongs to the family. Instances of child labor that have a damaging effect are those that prevent proper attendance at school, and which prove to be hazardous to the mental and physical health of the child (United Nations, n.d.). A definition provided by the ILO, regarding child labor, is that it is work that renders children bereft of their childhood, dignity, potential, and which harms their physical and mental development. In addition, the ILO describes child labor as work that is mentally, morally, physically, or socially harmful and dangerous to children. Another major disadvantage with child labor is that it adversely affects the schooling of children (Nam, 2013, p. 524). This transpires due to children engaged in child labor being deprived of the opportunity to attend school, causing them to leave school prematurely, or compelling them to endeavor to combine attendance at school with unduly time-consuming and heavy work. In addition, the Convention on the Rights of the Child describes a child as individuals whose age is less than 18 years. As such, children can take part in labor. Moreover, every form or work done by children, does not constitute child labor. Work can exercise a beneficial influence upon children, as

Report on BlueScope Steel Lab Example | Topics and Well Written Essays - 2000 words

On BlueScope Steel - Lab Report Example The most important growth element in BlueScope Steel is evident in its major restructuring plan covering Australian operations, which seeks to reposition the company for increased profitability and as well as growth. The Board approved the restructuring plan and as such, it will contribute to major changes in the operations of the firm that include shutting down the No. 6 Blast Furnace at the Port Kembla, closure of No.4 Cokemaking battery, No. 3 BOS steelmaking furnace and No.1 slab caster as well as closure of the Western Port Hot Strip Mill. Mergers and acquisitions are considered the best corporate strategy for BlueScope Steel owing to a wide range of positive attributes associated with it. With mergers or acquisitions, the company will certainly avoid the hustles associated with joint ventures or funding a subsidiary. The company has managed to expand a number of its operations owing to acquisitions. Key among the acquisitions made by BlueScope over the previous financial years include IMSA Steel Corp, a steel products manufacturing company, from Ternium SA subsidiary of San Faustin NV's Grupo Techint unit as well as Smorgon Steel Group Ltd (SS) steel and metal marketing division. Member 3 WANG, YING 2766757 To a steel-making company such as BlueScope, the value for its business comes from the steel and iron production, which is the most important valuation measurement. Besides the workforce, the steel industry is labor-intensive business. Then, the equipment and devices are also the value for this kind of industry. To increase the enterprise value, there are three major missions, namely reinvigorating their domestic business, including Australia and New Zealand; expanding and improving Asian and North American market; and continuing to grow sunrise business to make BlueScope Steel a unique steel production enterprise (2010/2011 Annual Report 2012). Coated and Industrial Products and Pacific Steel Products have significantly helped the company earn much mo re profit than before, in Australia and New Zealand, respectively (BlueScope Steel Limited Products2012). Because for the domestic market raw materials can be mined in Australia, the transportation expenses can be saved and steel marketing industry is the mainstay industry to countries in Oceania. Therefore, the growth project for steel making in these two years was very strong (IBIS World 2012). In addition, this program makes raw materials a very important role of producing iron for steel-making companies. As everybody knows, Australia is the origin of iron and its economy based on the export of the raw materials and iron. Australia gained a huge amount of capital during these four to five years (2010/2011 Annual Report 2012). Moreover, Australia was just affected slightly by economic crisis. According to this advantage, steel and iron production increased rapidly in Asian countries, and BlueScope Steel seized this opportunity. They take the advantage of Australia's natural resour ces, transfer them to the capital, and make the steel industry to be one of the top three pillar industries both in Australia and in New Zealand. The hot strip mill and the plate mill have been identified as the most two profitable products.However, this only depends on the market demand. For instance, if the market is in a positive situation, the steel price is high and market demand is optimistic, hence the production level will be maintained and the profit will be guaranteed at the same time. When it comes to the real

Hourseco- strategic Human Resource Management Essay

Hourseco- strategic Human Resource Management - Essay Example n an integrated manner through building the strong contractual relationship between the manpower of the organisation and the organisational system rather than focusing on strategies itself (Walonick, 2014). The traditional organisations were mostly causal and goal orientated, where various conventional models were adopted with the aim of delegating workers with the assigned job instructions and managers were engaged in planning the organisational goals (University of North Florida, 2014; Krebs, 2007). The growing innovation in the field of technology has been recognised to influence the behaviour of individuals associated with an organisation. Globalisation and technological factors have also reformed management structure as well as management practices in accordance with the present business requirements (Ivanko, 2013; Bittner, 1986). The change in the organisational structure and management practices owing to human resource management has also altered in a significant manner. Correspondingly, in the changing environment, organisations are determined towards hiring and retaining a pool of talented and skilled human resource in order to sustain in the competitive advantage in the market. Besides, due to the changes in the environment, workforce, profitability, growth, technological changes and business are anticipated to be influenced immensely. These factors have significantly led the organisation to emphasis over the managing human resources management. Thus, in the changing scenario insufficiency in the proper management of the human resource administration and failure in the strategic integration reduces competitive advantage (Armstrong, 2006). In this regard the concept of Strategic Human Resource Management (SHRM) is a practice through which an organisation strategically manages its human resources through aligning the strategic framework with the human resource of the organisation in order to the support the long-term objectives and goals. The appro ach of

Career Term Paper Example | Topics and Well Written Essays - 1750 words

Career - Term Paper Example Aside from role conflicts, other significant issues include the extent of cultural dynamics (parental orientation, societal norms and class distinctions) as variables that influence the career moves of their children. In such cases, it is important to note the probable elements surrounding career development, the theoretical foundations that anchor career choices, its overall implications in practical counselling for better career implementation and sustenance. Influences in Career Development At large, cultural elements in family background in parental involvement, gender orientation and expectations, and gender norms may cement individual resolution on career paths. In British South Asian sample, concerted opinions on cultural impact had been exhibited through decisions to enter the teaching profession, in line with consensual families and community opinions. In an Asian community that highly values the norm of collectivism and strict religious compliance, these beliefs can have a relevant impact on individuals, especially the women, who tend to follow such orientations in deciding their career paths in life (Butt, McKenzie, & Manning, 2010). The infiltration can be explicit or implicit, as verbalization of preference and consequent actions manifest cultural inclinations toward specific objectives, leaving others with little options but to follow. Yet, the study on African American women resulted in positive outcomes, as according to Pearson and Bieschke (2001), there is a sequential reaction of cultural values and attitudes in family system, showing how subjects respond in deciding future professions. Relatively, family perceptions on education and work values can directly affect higher career moves in African American women, where education is seen as constructive medium for future accomplishments, duly sustained by better working attitudes drilled by their parents. It is their responsibility, then, to follow familial and communal cultural dictates to maint ain ethnic harmony within such systems. As observed, there is a definite intertwining of cultural orientation on parental viewpoints. Parents serve as role model to children, and the latter tend to follow the former mainly because of such ideal. During actualization of career development in adolescents, five significant components emerged to conceptualize parental and adolescent interaction: â€Å"joint goals, communication, goal-steps congruence, parental agenda, (and) individuation† (Young et al., 2001, p. 196). In such procedure, parents served as their children's’ partners in establishing sets of goals, taking into consideration the role of parents in either boosting or striking down career plans--during the process of implementing individual decisions of children for their future. In all the transaction, constructive communication patterns are essential tools in mutually conveying intentions and plans for career prospects. As pointed out by Lindstorm, Doren, Methe ny, Johnson, and Zane (2007), there is a positive correlation between â€Å"advocacy of family support and intentional career activities....(in) career development† (p. 362). The relationship maintained by family members manifests constructive outcomes, where highly flexible viewpoints and involvement in career planning and implementation are nurtured within family systems. As

Madonna and Child Enthroned with Saints and Feast of Achelous Essay

Madonna and Child Enthroned with Saints and Feast of Achelous - Essay Example The paper "Madonna and Child Enthroned with Saints and Feast of Achelous" seeks to critique Raphael’s â€Å"Madonna and Child Enthroned with Saints† and Peter Paul Rubens and Jan Bruenghel the Elder "Feast of Achelous". Whereas many forms of religious art during such a time were lavishly decorative while at the same time exhibiting a corresponding high level of artistic complexity, this particular piece of Raphael exhibits historical nuances that he untrained eye would not necessarily be able to pick up upon. For instance, whereas almost all of the religious iconography and paintings of the time and long before had pictured Christ as a naked baby, this particular piece was one of the first artistic expressions of Christ in a clothed state while still a baby. Many historians have attributed this to the fact that the nuns of the convent which commissioned Raphael to create the artwork had played a strong role in seeking to censor his style and demanded that a modest repre sentation of the male form be rendered. Moreover, the painting itself allows for some foreshadowing of the ways that Raphael’s career would develop. One need only consider the use and choice of colors that Raphael engages with, representation of the clean lines, and the minimalism and life figure portrayal of both the Madonna as well as Christ to seek to draw a level of inference onto the means by which his career would progress and mirror many of these artistic ideals. Likewise, the second painting that this brief analysis.

Human Management Thesis Example | Topics and Well Written Essays - 2500 words

Human Management - Thesis Example It is a UK based organisation, but has focused on engaging a considerable proportion of its entire human resources from the international environment which has perpetually increased the diversity of the workforce engaged and thus increased the risk of conflicts owing to the varied range of individualities (BG Group Plc, 2012). With due consideration to this fact, BG Group can be identified to possess the ability towards implementing effective governance in order to operate its business functions successfully worldwide mitigating the consequences of conflicts (BG Group Plc, 2012). The concept of conflict management is often described as the process of dealing with conflict situations that may occur within the workplace with efficiency mitigating its negative consequences that may have a significant impact on the sustainability of an organisation. The role of conflict management, in this regards, considers the proper identification of the various causes giving rise to conflicts which i nclude scarce resources, adversity as well as faulty communication among others delivering importance not only towards the organisational interests, but also towards the benefits of the employees (Eunson, 2012). It is in this context that various models had been developed in order to frame the notion of conflict management and thus suggest a comprehensive pattern to the organisations for resolving such issues. Blake and Mouton Model can be regarded as such a framework which renders an unambiguous understanding of the conflicts arising within the organisational sphere and also suggests the required measures to resolve the issues (Verma, 1998). The aim of the paper is to develop a comprehensive understanding of the theoretical perspective presented by Blake and Mouton Model of conflicts management. The understanding will further be related with the different conflicts that were faced by BG Group in its current operations. Moreover, the overall discussion will be based on the conflicts that were faced by the BG Group which will further be continued with effective recommendations and strategic action plan referring to the theoretical understanding of the concept. Theoretical Perspective: Blake and Mouton Model of Conflict Management The term ‘conflict’ is characteristically described as a strong competition or struggle between various people or individuals with differing values, objectives, ideas and beliefs. Conflict is often observed to result in terms of non-productive consequences which might have had a long-term impact or can last for only a short period of time. It can also be defined as a condition in which more than one party possesses mismatched objectives and also differs in terms of their behaviour as well as their perceptions. The various sources of conflict generally include structural, role and resources conflict. Structural conflict is observed to fundamentally arise from perplexities in managing the need of the diverse organisational s ub-units. In the similar context, role conflict is generally caused by misinterpretation regarding

Marketing in Ecommerce Assignment Example | Topics and Well Written Essays - 500 words

Marketing in Ecommerce - Assignment Example Similarly, if such economic forces practice monopoly over some products and services in the internet, they may lock out many prospective players of ecommerce hence slowing the growth and expansion of ecommerce. Certainly, online merchants incur huge losses when prospective buyers use their online business platforms for research purposes. This is because no matter the huge internet traffic that flock their websites, few actually make orders for the products and services that entice them. The best remedy in this case would be to disallow free viewing of products and to offer products that are more competitive and services in the internet so that potential buyers have no better alternative. Definitely, the phenomenon of doing online research particularly for electronic products before purchasing such items from the store fronts has become the norm in many parts of the world. When it comes to food items, people do not normally do online research in order to purchase. This is mainly because such items as electronics and other products have specifications that a potential buyer ought to know prior to purchase. Besides, there are so many counterfeits out in the market and the only way to escape being swindled is by doing own research and the internet provides loads of information for such purposes. Without doubt, there are certain common themes about the use of mass media that the internet provides. These media services can indeed be adapted to an individual’s mass marketing efforts with the Internet. Such internet platforms as the social media for example Facebook and Twitter offer an excellent internet marketing platforms for ecommerce entities. This is especially so because such social media sites offer real-time connection with the customers and updating hence can be more beneficial to e-businesses than the mainstream media in terms of customer

Richards Soliloquies Essay Example for Free

Richards Soliloquies Essay i)Identify the context for each ii)Analyze the language of each and its meaning iii)Consider what insights they give into Richard’s character, emotions and thinking at the time iv)Discuss how the soliloquies help structure the play and are used to create dramatic interest 1. The opening soliloquy: â€Å"Now is the winter of our discontent† 1. 1. 1-41 The opening soliloquy involves of Richard contemplating the end of the civil war, and the change from warfare to peace. This soliloquy is important to the rest of the play as it shows Richard’s true character – malicious, deformed and cunning. It helps set up the dramatic irony for the rest of Richard’s encounters, because as Richard ‘acts’ we see him for who he truly is. The language that Richard uses is clever, sarcastic and determined. His second line, ‘made glorious summer by this son of York’ is a play on words of Edward being the ‘son’ of York and the ‘sun’ of the glorious summer. From this first line the audience is immediately able to tell that Richard is witty, and clever with the way in which he speaks and phrases his words. He continues on to talk about the King in a somewhat sardonic manner, bringing attention to his ‘sportive tricks’ and amorous pleasures. Richard continues, objecting to himself that ‘since I cannot prove a lover’ he reveals that he is ‘determined to prove a villain’. This quote foreshadows how the rest of the play will pan out, and how Richard is depicted throughout. The most important thing in this quote however, is that this quote shows a logical decision in which Richard has made – therefore his malignity is motiveless. He chooses to be evil, and his only excuse for it is that he is unfortunately deformed. The brings the next point. In his soliloquy, Richard also draws on self-deprecation, he describes to us his deformities in the most gruesome way. This immediately gives the audience prejudice against him. â€Å"Cheated of feature by dissembling nature / Deformed, unfinished, sent before my time / into this breathing world scarce half made up / And that so lamely unfashionable / That dogs bark at me as I half by them. † The audience ultimately feels pity for him, however when its is made clear that Richard has thought about his premeditated strategems, the audience is aware of his duplicitous nature. 2. â€Å"He cannot live† soliloquy: 1. 1. 146-163 Act 1 scene 1 closes with Richards’ second soliloquy. Although it is fairly short, Richard hopes for Clarence to die before Edward does. He also reveals his plans to ‘woo’ Lady Anne, from the House of Warwick. The audience truly sees the full revelation of Richard’s wickedness, as he claims to have killed Lady Anne’s father and husband in the war that has just passed and yet he still wants to seduce her. However this sickening twist makes sense to Richard, as he wants to woo her so that the House of Lancaster don’t turn on him in the future. The concept of ‘keeping your enemies close for political gain’ comes across through Richard’s actions. Richard uses the strange yet humourous words to describe what the world will be like when he is King. He says, â€Å"Which done, God take King Edward to his mercy / And leave the world for me to bustle in! † The word bustle seems quite merry, and this reflects on how Richard has no grief or anguish to his brothers’ deaths – he merely wants them dead so that he is able to enjoy the world. The last line Richard says â€Å"When they are gone, then must I count my gains. † Richard is talking about his brothers Clarence and Edward, and the foreshadowing of their deaths closes the scene. This soliloquy allows the audience to realize and prepare ourselves for what Richard has in mind. He confirms that both his brothers will die – Clarence because of him and Edward because of sickness. The audience realizes that Richard is truly going to go through with his premeditated strategems, and this is only the beginning, however his downfall is also inevitable and anticipated. 3. â€Å"Was ever woman†¦wooed† soliloquy: 1. 2. 231-67 This soliloquy is a perfect example of Richard’s duplicitous nature. As soon as Lady Anne leaves, he drops his mask and becomes who he really is – the schemer. He revels in his triumph in getting Anne to consider being wooed by him. Despite his killing of her husband and her father, and despite his deformities, he has managed to overwhelm Anne using only his words. This is where the audience really sees how overpowering Richard is, and how if he was to really reign as king there would be many dangers. The audience assumes that Richard would be triumphant in scoring Lady Anne, however he says â€Å"Was ever woman in this humour wooed? / Was ever woman in this humour won? / I’ll have her, but I will not keep her long. † Through this quote the audience realizes that Richard merely wooed her for security of safety from the House of Lancaster (which Lady Anne belongs to), and he has the upper hand now that his wooing has transformed her loathing into acceptance. The foreshadowing of this quote also allows the audience to note that Lady Anne will ultimately be killed somewhere along Richard’s plans. The last lines in Richard’s third soliloquy goes â€Å"That I may see my shadow as I pass. † The use of his ‘shadow’ outlines his malevolent alter-ego, the evil Richard is lurking, hiding, but always present. Richard is constantly building up his plans and notably successing as each person goes by him and accepts him. This soliloquy shows how Richard really does have a way with his words, and how he can turn Lady Anne’s loathing and hatred (after all, Richard did kill her husband and her father) into acceptance and tolerance. The audience is somewhat admirable of him, yet they realize it is all just an act by a clever, manipulative person. 4. â€Å"I do the wrong† soliloquy: 1. 3. 324-338 In this soliloquy Richard expresses slight disbelief and smugness in how things have played out for him. He has managed to get Clarence killed and blame it on Rivers, Vaughn and Grey, as well as get Hastings, Derby and Buckingham to support him. His tone is proud when he admits that his malicious plots at the beginning of the play have become others’ evil actions. Richard has mastered the game of manipulation, and has everyone (except for a few) believing that he is a holy and good man. By using  preexisting conflicts, as well as his â€Å"relationship† and â€Å"appeal† to God, he is going to set everyone against each other. This is where we realize that Richard has managed to weave a web that he has total control over – for now. Richard says, â€Å"Tell them that God bids us do good for evil. And thus I clothe my naked villainy / With odd old ends stol’n forth of holy writ, / And seems a saint when most I play the devil. † These lines sum up Richard’s role as an actor within himself, within the play. He claims to use the Bible as his sanction and yet he contradicts himself by cloacking himself as the devil. 5. â€Å"Give me another horse! † soliloquy: 5. 3. 180 This soliloquy is the first time that Richard feels any guilt for his actions, and this is also where he finally realizes what he has ultimately done to himself and to the people around him. His mind is in turmoil, and the tone of his soliloquy is deeply troubling. He is wrestling to come to terms with all the murders he has indirectly caused and all the threats of vengeance he has posed. This is Richard’s last soliloquy, and from the beginning of the play he has come a full circle. In the beginning, Richard portrayed himself as an megalomaniac and egotistical, he gloated â€Å"As I am subtle, false and treacherous,† and now he says, â€Å"O coward conscience, how dost thou afflict me? † The personification of ‘conscience’ and how it has become cowardly shows that Richard now considers his conscience as a part of him, something that he didn’t have before. The rheotorical question is more posed towards himself. He is unsure and worried, and this is reflected in the next couple of lines. â€Å"What? Do I fear myself? There’s none else by. Richard loves Richard, that is, I am I. / Is there a murderer here? No. Yes, I am. † The manifestation for himself and the unclearness is a reflection of how muddled his mind has become. Richard wrestles and tries to confirm with himself that he is doing the right thing, that he isn’t a murderer, that there is no one who loves him but himself, but his conscience has finally caught up with him and as a result, the murder and threats of vengeance have come rushing back to him. The full realm of the horror that has become his life hits him in  the face – he finally realizes that he is truly and utterly alone. He says: â€Å"There is no creature loves me, / And if I die no soul shall pity me. † His segregation from humanity dominates him at this point in the play, when he finally grasps that he is truly all alone. This soliloquy foreshadows Richard’s inevitable and imminent death. It is the last time the audience really feels something for Richard, whether it be pity or sadness or justification, the audience understands that Richard has finished and come to the end of his time.

Ammonia Treatment in Textile Processing Essay Example for Free

Ammonia Treatment in Textile Processing Essay Ammonia Treatment in Textile Processing BY Mrzatnqazt Ammonia Treatment in Textile Processing Before Studding Ammonia Treatment we have to know about the Pretreatments in textile processing. Why we do Pre-Treatments? Pretreatment is the heart of processing of textile. Grey cloth after weaving is quite unattractive and contains numerous natural as well as added impurities which hinder the successful carrying out of subsequent step like dyeing, printing and finishing. What are Pre-Treatments? In Pretreatment, all these impurities are removed and fabric is brought to a stage here it is more absorbent and white and can be easily processed further. In other words Pretreatment process could be defined as procedures concerning about the removal of natural and added impurities in the fabric to an optimum level that can provide good whiteness and absorbency by utilizing minimum time, energy and chemicals as well as water. Major steps involved in textile pretreatment are: De-sizing, Scouring, Bleaching and Mercerization or Ammonia Treatment In every step, different chemicals are involved which are: ? » Wetting Scoring Agents, ? » Sequestering Agents, ? » Mercerizing Agents or Liquid Ammonia, nd ? » Hydrogen Peroxide Stabilizers Pretreatment is important!!! 70% of problems during dyeing and finishing are caused by pretreatment. Now What is Mercerization? Mercerization is a method for processing cellulose fibers by alkalis. This processing makes the inside of the fibers swell to exploit new fiber properties beyond their original feel or physical properties. Sodium hydroxide (NaOH) and ammonia (NH3) are used as the alkaline chemicals for mercerization. Ammonia Mercerizing of cellulose fibers History: The use of ammonia in mercerization has been known since the 1930s and was eveloped commercially for fabric processing around 1970 in what was originally known as the Tedesco process, which was subsequently acquired by the Sanforized company and made well-known as the Sanfor-Set process. The fashion appeal of so-called flat-finish denim resulting from Japanese ammonia-finished denim that many companies substituted caustic-mercerized fabrics, often presenting them as ammonia finished. Working: By combining ammonia mercerization and Sanforizing in a single step shrinkage control is greatly improved in denim. In contrast to caustic mercerization, the fabric is ofter, semi-permanent press properties result and in the case of twill fabrics, there is less seam-puckering in garments, less leg- twist and edge-fraying. Unlike caustic mercerization, the fabric is not degraded, avoiding a harsh hand even after multiple washings. The resistances to abrasion tear and tensile is significantly improved. The original process consisted of passing the fabric though a bath of liquid ammonia with 100% pickup for approximately 10 seconds. The ammonia was removed with dry heat applied by passing over blanketed, steam heated dry cans which removed about 90% f the ammonia which was then recovered by a recovery plant consisting of large, pressurized towers and made available for recycling. The rest of the ammonia, which chemically bonded to the cellulose, was removed by light steaming. Effects ; Defects: The difference in effect as opposed to caustic mercerization is because with ammonia, there is less fiber-swelling, therefore the fibers are more pliable, which Additionally, unlike standard wet-finishing of denim, the ammonia penetrates completely into yarns and fibers, resulting in complete wetting, which is necessary for lasticizing the cotton for consistent shrinkage and elongation. In garments that are fabricated from ammonia treated-fabrics, the garment life is longer after long periods of wear and repeated washings, improving sustainability. Penetration: The much smaller molecular size of ammonia allows it to penetrate completely into every fiber of the fabric, unlike caustic which causes such rapid fiber- swelling that the caustic is blocked at the surface of yarns, preventing further penetration. The surface tension of ammonia at 26 dynes/cm is a third that of caustic (NaOH). The ower surface tension overcomes the enormous resistance of air trapped in the fabric which is a characteristic of heavy cotton fabrics. Additionally, at normal mercerization concentrations of caustic (23%/30 Baume), sodium hydroxide forms a hepta-hydrate with water (NaOH7H20), which results in a slow-moving, bulky group. Permanent- press effects: The permanent-press effects are achieved without the use of cross-linking resins, however, the commonly-used resins are soluble in ammonia and a combination resin finish and mercerizing, plus Sanforizing can be achieved if a soluble catalyst is mployed. Additionally, ammonia acts as a formaldehyde-scavenger and resin- treated fabrics that are ammonia treated will produce no free-formaldehyde. Shrinkage: As a rule, fabric shrinkage depends on the time of exposure to the ammonia, with 80% of the shrinkage occurring in the initial 6 seconds. Very close control of final shrinkage is achieved by fabric tension in the ammonia application in combination with compressive shrinkage. By 1974, the primary application of ammonia mercerization was for treatment of heavy-weight cotton fabrics such as denim and orduroy, which are difficult to properly mercerize with traditional caustic treatments. The ammonia process was intended as a replacement for conventional mercerizing for both fabrics and in mercerizing sewing threads (Petrograd process). Ammonia Recovery: The original ammonia recovery methods required a large capital investment which limited acceptance in the textile industry, however, a more recent design has adopted patented seals that totally isolates the dry and steam process sections in order to avoid ammonia from coming into contact with water and air subsequently liminating the need for an expensive distillation and recovery operation. Furthermore the seals also isolate the machine from the outside environment so that there are absolutely no ammonia odors in the room where the equipment is operating. This unit also does not employ a felt calendar, which can also transfer allowing denim to be processed on the same machine without contamination of non- denim fabrics as well as reducing the problem of back staining with denim that occurs in caustic mercerization, since no water is required for washing.. All the imited residues of non-recyclable ammonia are completely neutralized and can be safely sent to the water treatment plant, so together with the significant reduction in water usage, this newer ammonia process can actually be considered environmentally friendlier than conventional caustic mercerization. Dry-crease recovery: Ammonia- mercerization provides a higher dry-crease recovery and higher shrinkage consistency than caustic mercerization, especially with the dry-steam method of recovery. However, caustic mercerization still has an advantage with regard to luster nd improved depth of color in dyeing, although the uniformity of dyeing after mercerization is significantly improved with ammonia. Ammonia treatment results in a more rounded cotton fiber, which scatters light more, in turn resulting in a luster that is less bright. An additional advantage of ammonia mercerization is the absence of alkaline oxy-cellulose that results with caustic treatments, which is evidenced by strength-losses and dyeing variation. The lower pH of ammonia allows safe treatment of more sensitive fibers like linen (flax) or silk. With caustic treatments of fabrics like enim, the elimination of washing required in caustic mercerization avoids the problems with removing caustic. Mercerizes are not normally equipped with drum washers for removal of caustic from heavy cotton fabrics and contamination remains on the fabric at the time of drying which results in damage to cotton. The use of acetic acid to neutralize creates a problem with the formation of sodium acetate, which produces a very harsh feel. The ammonia process on denims also produces a much flatter, richer appearance and improves the performance on stretch denim improving fit. Tension control: Tension control is important in both ammonia and caustic mercerization for improved fabric tenacity and elongation. Moisture regain is improved in both if tension is applied prior to fiber swelling.