The Relationship And Causal Effects Of Determinant Factors Of Islamic Home Financing In Malaysia
Bibliographic record
Abstract
Based on the period of establishment, conventional banks were established long before islamic banks in malaysia. Many aspects can contribute to the stability in conventional banks. However, in islam, the criteria offered by conventional banks are opposed from shariah principle. Therefore, islamic banks were established to promote services in banking according to shariah principle. In accordance with this matter, this study would like to assess the relationship and causal effects of factors determinant in islamic home financing service. The factors are categorized into internal factors and macroeconomic factors. The first objective is to examine the long-run relationship of determinant factors in islamic home financing in malaysia. Follows by second objective, to examine the short-run relationship of determinant factors in islamic home financing in malaysia. Third objective is to assess the causality effect of determinant factors in islamic home financing in malaysia. The methodology of this study is quantitative research design. The data collection is based on secondary data which is retrieved through documentations review and statistical highlights from bank negara malaysia. The statistical data comprise of quarterly data from the first quarter of 2007 until the fourth quarter of 2021. Analysis data is conducted by using econometric approach on time series data which is autoregressive distributed lag (ardl) cointegration test and granger causality test.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.004 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.001 | 0.001 |
| Science and technology studies | 0.000 | 0.000 |
| Scholarly communication | 0.001 | 0.001 |
| Open science | 0.000 | 0.001 |
| Research integrity | 0.000 | 0.001 |
| Insufficient payload (model declined to judge) | 0.004 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".