MOHD KHAIRI ISMAIL
Mohd Khairi Ismail is a PhD student at Institute for Environment and Development (LESTARI), Universiti Kebangsaan Malaysia (UKM). He has five years experiences as part time lecturer at Universiti Tun Abdul Razak (UNIRAZAK), New Era University College (NEUC) and Malaysia Craft Institute. He holds a Bachelor of Economics (first-class honours) from Northern University of Malaysia (UUM) and Master of Economics from UKM, Malaysia. His research interests are in development economics, agricultural economics, environmental management and business management. He has published more than 30 articles and currently has serves on the editorial board of International Journal of Social Sciences and Economic Review (IJSSER). He has received several best paper awards and best presenter awards, ICKMEST 2018, ICSED-UMT 2018 and UKM LESTARI Colloquium (2015-2017).
Supervisors: Emrtus Prof Chamhuri Siwar
Address: LESTARI UKM
Supervisors: Emrtus Prof Chamhuri Siwar
Address: LESTARI UKM
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kerap berlaku di Malaysia adalah banjir monsun dan banjir kilat. Bagi daerah Temerloh, banjir yang
sering berlaku adalah banjir monsun yang saban tahun terjadi. Bencana banjir terus berlaku walau pun
pelbagai tindakan di buat. Kajian ini dijalankan untuk memahami tindakan penduduk Temerloh
menyesuaikan diri dalam menghadapi bencana banjir. Ia melibatkan kaedah soal selidik yang
menumpukan kepada kawasan daerah Temerloh sahaja dengan melibatkan 350 responden yang tinggal
di sekitar sungai dan jauh dari sungai. Hasil analisis menunjukkan kebanyakkan responden adalah terdiri
daripada etnik Melayu dengan kategori umur 30 hingga 60 tahun yang menetap lama di kawasan
bencana. Bagi faktor keterdedahan, hasil kajian yang diperolehi menunjukkan seramai 49.7% responden
tinggal di kawasan pesisir sungai yang merupakan zon banjir. Hampir 50% responden tinggal di kawan
zon banjir berbanding 36.3% responden tinggal di kawasan tanah lembab (darat) yang mana jauh sedikit
dari kawasan sungai namun di kawasan tanah rendah. Dari segi faktor ekonomi melibatkan struktur
rumah responden, jenis rumah, pemilikan rumah dan faktor pemilikan rumah. Hampir 70% responden
kajian tinggal di rumah jenis konkrit dan kayu. Hanya 22.3% sahaja yang tinggal di rumah jenis konkrit
dan 8.6% rumah jenis kayu. Faktor penyumbang yang menyebabkan mangsa tetap menetap di kawasan
tersebut walau pun sering mengalami banjir saban tahun. Sebanyak 69.1% daripda keseluruhan
responden menetap di situ kerana ia merupakan tanah mereka sendiri. Oleh itu, kebanyakan responden
amat positif dengan pendirian mereka bahawa penyediaan semasa banjir adalah sangat diperlukan
seperti beras dan makanan simpanan lama (sardin dan telur), dan perahu yang digunakan sebagai
pengangkutan air.
Keywords: Banjir Monsun; Kemudahterancaman; Pengurusan Banjir; Pengangkutan Air, Mangsa
Banjir
Conference Presentations
Methodology: Panel unit root test indicated whether the variables are stationary or non-stationary. For the estimation method part, we have an insight on regression analysis of panel data set comprising 15 top local and foreign banks over the period 2007-2016. To this end, the empirical data are collected from Bankscope and World Bank and interaction between a comprehensive set of macroeconomic variables and lending rate is examined with profitability.
Results: The results provide interesting insights into the characteristics and practices of banking sector in Malaysia. This paper filled the important gap in the existing literature by improving the understanding of bank profitability in Malaysia. All the determinant variables included in the model have statistically significant impacts on Malaysia local and foreign banks’ profitability. However, the effects are not uniform across profitability measures. Regression findings reveal that real interest rate and Gross Domestic Production (GDP) are significantly interact with lending rate and overall affect the profitability of local foreign banks in Malaysia.
Implication: This paper has various policy implications, as the performance of the foreign and local banking zone relies upon on its efficiency, profitability and competitiveness. In view of these findings, some hints might also be practical for financial institution regulatory authorities to intensify and preserve robustness and stability of the banking sector.
Keywords: bank profitability, lending rate, macroeconomic variables, interest rate, economic growth
kerap berlaku di Malaysia adalah banjir monsun dan banjir kilat. Bagi daerah Temerloh, banjir yang
sering berlaku adalah banjir monsun yang saban tahun terjadi. Bencana banjir terus berlaku walau pun
pelbagai tindakan di buat. Kajian ini dijalankan untuk memahami tindakan penduduk Temerloh
menyesuaikan diri dalam menghadapi bencana banjir. Ia melibatkan kaedah soal selidik yang
menumpukan kepada kawasan daerah Temerloh sahaja dengan melibatkan 350 responden yang tinggal
di sekitar sungai dan jauh dari sungai. Hasil analisis menunjukkan kebanyakkan responden adalah terdiri
daripada etnik Melayu dengan kategori umur 30 hingga 60 tahun yang menetap lama di kawasan
bencana. Bagi faktor keterdedahan, hasil kajian yang diperolehi menunjukkan seramai 49.7% responden
tinggal di kawasan pesisir sungai yang merupakan zon banjir. Hampir 50% responden tinggal di kawan
zon banjir berbanding 36.3% responden tinggal di kawasan tanah lembab (darat) yang mana jauh sedikit
dari kawasan sungai namun di kawasan tanah rendah. Dari segi faktor ekonomi melibatkan struktur
rumah responden, jenis rumah, pemilikan rumah dan faktor pemilikan rumah. Hampir 70% responden
kajian tinggal di rumah jenis konkrit dan kayu. Hanya 22.3% sahaja yang tinggal di rumah jenis konkrit
dan 8.6% rumah jenis kayu. Faktor penyumbang yang menyebabkan mangsa tetap menetap di kawasan
tersebut walau pun sering mengalami banjir saban tahun. Sebanyak 69.1% daripda keseluruhan
responden menetap di situ kerana ia merupakan tanah mereka sendiri. Oleh itu, kebanyakan responden
amat positif dengan pendirian mereka bahawa penyediaan semasa banjir adalah sangat diperlukan
seperti beras dan makanan simpanan lama (sardin dan telur), dan perahu yang digunakan sebagai
pengangkutan air.
Keywords: Banjir Monsun; Kemudahterancaman; Pengurusan Banjir; Pengangkutan Air, Mangsa
Banjir
Methodology: Panel unit root test indicated whether the variables are stationary or non-stationary. For the estimation method part, we have an insight on regression analysis of panel data set comprising 15 top local and foreign banks over the period 2007-2016. To this end, the empirical data are collected from Bankscope and World Bank and interaction between a comprehensive set of macroeconomic variables and lending rate is examined with profitability.
Results: The results provide interesting insights into the characteristics and practices of banking sector in Malaysia. This paper filled the important gap in the existing literature by improving the understanding of bank profitability in Malaysia. All the determinant variables included in the model have statistically significant impacts on Malaysia local and foreign banks’ profitability. However, the effects are not uniform across profitability measures. Regression findings reveal that real interest rate and Gross Domestic Production (GDP) are significantly interact with lending rate and overall affect the profitability of local foreign banks in Malaysia.
Implication: This paper has various policy implications, as the performance of the foreign and local banking zone relies upon on its efficiency, profitability and competitiveness. In view of these findings, some hints might also be practical for financial institution regulatory authorities to intensify and preserve robustness and stability of the banking sector.
Keywords: bank profitability, lending rate, macroeconomic variables, interest rate, economic growth