Background information of the respondents
| Sl | Cluster | Combination | Number | Year of experience |
|---|---|---|---|---|
| 1 | Regulators | Ex-governor, executive director and general manager | 3 | 10–23 |
| 2 | SSB members and Shariah department executives | SSB member and Shariah secretary, Shariah department executive | 9 | 15–25 |
| 3 | Experts professionals | CEO, Ex-CEO of several Islamic banks, academicians and Islamic banks consultants | 5 | 9–40 |
| Total | 17 | |||
| Sl | Cluster | Combination | Number | Year of experience |
|---|---|---|---|---|
| 1 | Regulators | Ex-governor, executive director and general manager | 3 | 10–23 |
| 2 | SSB members and Shariah department executives | SSB member and Shariah secretary, Shariah department executive | 9 | 15–25 |
| 3 | Experts professionals | CEO, Ex-CEO of several Islamic banks, academicians and Islamic banks consultants | 5 | 9–40 |
| Total | 17 | |||
Source(s): Developed by the Authors’
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