Nurhanani Romli

Design for Elderly Friendly: Mobile Phone Application and Design that Suitable for Elderly

The mobile phone design currently is always lack of concern towards the usability of the elderly. The elderly always having problem in understanding and using the mobile phone cause by this lack of study in understanding the needs of the older people. This paper provides the information related with the concept and issues related with the mobile phone design. The other topic in this paper is the application that suitable to be design in the mobile phone for the elderly. The function that need by this elderly is limited compare to the younger people. The elderly needs the mobile phones that have the design that suitable with their needs without concerning about the fashion or styles. General Terms Mobile Phone, Elderly

Contract (Akad) in Online Banking

Internet banking is the latest alternative used by the client to deal with the bank. In this way, the customer can surf the bank website without the hassles of queuing and waiting at the counter. This study will discuss about Internet banking services in terms of Islamic transaction. Where, study touches on contract applications found in banking services. The study found that Internet banking services is allowed in Islam and the contract valid even in the early emergence of Islams Internet technology sophistication yet exists.

Tadbir urus syariah dalam industri takaful di Malaysia: implikasi pasca Akta Perkhidmatan Kewangan Islam 2013

ABSTRAK Industri takaful telah bertapak kira-kira 30 tahun dalam sistem kewangan di Malaysia. Pelbagai perubahan telah dilakukan oleh pengawal selia iaitu Bank Negara Malaysia (BNM) bagi memastikan pengukuhan dan kestabilan industri takaful termasuklah berkaitan perundangan tadbir urus syariah. Makalah ini akan menghuraikan peruntukan perundangan Akta Bank Negara Malaysia 2009 (ABNM 2009) dan Akta Perkhidmatan Kewangan Islam 2013 (APKI 2013) dalam aspek tadbir urus syariah industri takaful di Malaysia. Selain itu, kajian ini turut menemu bual tujuh informan kajian yang terdiri Pegawai Bahagian Syariah dan Jawatankuasa Syariah Syarikat Pengendali Takaful (SPT) yang merupakan pihak yang terlibat secara langsung dalam proses tadbir urus syariah dalam industri takaful. Dapatan kajian menunjukkan bahawa peruntukan perundangan APKI 2013 memberi implikasi positif terhadap tadbir urus syariah industri takaful dengan peruntukan perundangan yang jelas dan terperinci seperti bidang kuasa dan peranan Majlis Penasihat Syariah BNM dan Jawatankuasa Syariah di peringkat dalaman SPT. Kata kunci: Tadbir urus syariah; takaful; perundangan; Majlis Penasihat Syariah BNM; Jawatankuasa Syariah SPT ABSTRACT Takaful industry was first introduced into Malaysia about 30 years ago when the first takaful operator was established to fulfil the need of the Muslim community to be protected based on the Islamic principles. Takaful operations are regulated and supervised by BNM and various changes have been made to ensure the strengthening and stability of the takaful industry including the shariah governance legislation. The aim of this paper is to analyze the legal provisions of Central Bank of Malaysia Act 2009 and Islamic Financial Services Act 2013 in terms of shariah governance in takaful industry at Malaysia. This study interviewed seven informants comprising officers from the Department of Shariah and Shariah Committee of Takaful Company (SPT), which have involved directly in the shariah governance process of takaful industry. The findings indicate that the legal provisions of Islamic Financial Services Act 2013 have given positive implication for shariah governance of takaful industry since the legal provisions are clear and detailed such as the role of the SAC of BNM and the SC of Takaful Operators. Keyword: Shariah governance; takaful, legislation; Shariah Advisory Council Central Bank of Malaysia; Shariah Committee Takaful Operator