Table I. Profile of respondents...

Table I.

Profile of respondents

Respondent demographics	Details	Frequency [%]
Marital status	Married	487 [81.2]
	Single	110 [18.3]
	Others (Widows)	3 [0.5]
Race	Malay	594 [99.0]
	Chinese	2 [0.3]
	Indian	4 [0.7]
Age	21-30 years	132 [22.0]
	31-40 years	186 [31.0]
	41-50 years	159 [26.5]
	51-60 years	73 [12.2]
	61-70 years	42 [7.0]
	71 years and above	8 [1.3]
Education level	No formal education	52 [8.7]
	Primary school	51 [8.5]
	Secondary school	397 [66.2]
	Certificates/diploma	88 [14.7]
	Bachelor’s degree	12 [2.0]
Location of business (N = 600)	Kelantan	200 [33.3]
	Terengganu	200 [33.3]
	Kedah	200 [33.3]
Type of industry	Agriculture	26 [4.3]
	Food	218 [36.3]
	Textiles	304 [50.7]
	Others	52 [8.7]
Business experience	1-10 years	398 [66.3]
	11-20 years	152 [25.3]
	21-30 years	35 [5.8]
	31-40 years	11 [1.8]
	41 years and above	4 [0.7]
Ar-rahnu visited	Bank Islam	223 [37.2]
	Bank Rakyat	160 [26.7]
	AgroBank	46 [7.7]
	YaPEIM	59 [9.8]
	Permodalan Kelantan Berhad	12 [2.0]
	Muassasah Gadaian Islam Terengganu	16 [2.7]
	Pos Malaysia Berhad	84 [14.0]

Respondent demographics	Details	Frequency [%]
Marital status	Married	487 [81.2]
	Single	110 [18.3]
	Others (Widows)	3 [0.5]
Race	Malay	594 [99.0]
	Chinese	2 [0.3]
	Indian	4 [0.7]
Age	21-30 years	132 [22.0]
	31-40 years	186 [31.0]
	41-50 years	159 [26.5]
	51-60 years	73 [12.2]
	61-70 years	42 [7.0]
	71 years and above	8 [1.3]
Education level	No formal education	52 [8.7]
	Primary school	51 [8.5]
	Secondary school	397 [66.2]
	Certificates/diploma	88 [14.7]
	Bachelor’s degree	12 [2.0]
Location of business (N = 600)	Kelantan	200 [33.3]
	Terengganu	200 [33.3]
	Kedah	200 [33.3]
Type of industry	Agriculture	26 [4.3]
	Food	218 [36.3]
	Textiles	304 [50.7]
	Others	52 [8.7]
Business experience	1-10 years	398 [66.3]
	11-20 years	152 [25.3]
	21-30 years	35 [5.8]
	31-40 years	11 [1.8]
	41 years and above	4 [0.7]
Ar-rahnu visited	Bank Islam	223 [37.2]
	Bank Rakyat	160 [26.7]
	AgroBank	46 [7.7]
	YaPEIM	59 [9.8]
	Permodalan Kelantan Berhad	12 [2.0]
	Muassasah Gadaian Islam Terengganu	16 [2.7]
	Pos Malaysia Berhad	84 [14.0]

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