Kachkar, Omar
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Araştırma projeleri
Organizasyon Birimleri
Yönetim Bilimleri Fakültesi, İşletme Bölümü
Küresel rekabete ayak uydurmak ve sürdürülebilir olmak isteyen tüm şirketler ve kurumlar, değişimi doğru bir şekilde yönetmek, teknolojinin gerekli kıldığı zihinsel ve operasyonel dönüşümü kurumlarına hızlı bir şekilde adapte etmek zorundadırlar.
Adı Soyadı
Omar Kachkar
İlgi Alanları
İslami finans, Sürdürülebilir Kalkınma Hedefleri, Mülteciler, Vakıf ve Zekât, Şeriat Yönetişimi
Kurumdaki Durumu
Aktif Personel
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Yayın Waqf contributions for sustainable development goals: A critical appraisal(Springer Nature, 2022) Kachkar, Omar; Alfares, Marwa; Yönetim Bilimleri Fakültesi, İşletme BölümüLack of funds has been a substantial challenge in achieving the sustainable development goals for all developing countries including many of OIC member states. The World Bank estimates that approximately, from $1.5 to $2.7 trillion is needed every year to finance SDGs projects between 2015 up to 2030. This chapter examines the potential role of waqf as a fund-mobilising instrument. It specifically focuses on the progress in achieving SDGs in OIC countries. Four key development areas are highlighted in this regard, namely, poverty alleviation, healthcare, education and finally infrastructure development. A comparison between OIC and non-OIC countries is drawn to assess the progress of OIC countries. Except for some areas in infrastructure development, OIC countries seem to be lagging behind their non-OIC counterparts in all the four covered areas. Tapping waqf resources can greatly contribute in achieving the SDGs, in particular the monetary waqf or cash waqf. To support this argument, this chapter brings various case studies from waqf institutions operating in the Muslim world. The first case study discusses two institutions in Turkiye and the second one highlights the contribution of two subsidiaries of Islamic Development Banks. This chapter concludes with a prolonged discussion of the existing challenges encountering the full employment of waqf in achieving the SDGs.Yayın Using mudharabah (profit-sharing partnership) in supporting refugee microenterprises and microfinance programs: Prospects and challenges(IGI Global, 2019) Kachkar, Omar; Yönetim Bilimleri Fakültesi, İşletme Bölümü; Yönetim Bilimleri Fakültesi, İşletme BölümüThis chapter examines the prospects and challenges of using the mudharabah (profit-sharing partnership) instrument to extend microfinancing to refugees in microenterprise support programs. According to the literature, many Muslim refugees voluntarily exclude themselves from microfinance programs due to the element of interest that is strictly prohibited in Islam. Mudharabah as a Shariah-compliant mode of finance represents one potential instrument that complies with the religious teachings of Muslim refugees and could assist in the financial inclusion of many of them. Despite the inherent risks of mudharabah such as moral hazard and adverse selection, some successful stories are remarkably encouraging. This chapter is proposing a model for a microenterprise support program based on mudharabah. It further concludes that mudharabah is a viable mode of finance provided that best practices in implementing mudharabah as well as microfinance programmes are well adopted and observed.Yayın Islamic social finance: Integrating zakah funds in microfinance and microenterprise support programs: Selected case studies(IGI Global, 2022) Alfares, Marwa; Kachkar, Omar; Yönetim Bilimleri Fakültesi, İşletme BölümüAlleviating poverty and inequality are among the central objectives of zakah in the Islamic economic system. These objectives are also on top of the 17 SDGs of the UN 2030 Agenda. This research argues that microenterprise support programs (MSPs) have been proven as effective tools in combating poverty. However, lack of funds has always been a major challenge for the sustainability of those programs. Channeling zakah funds to MSPs will directly contribute to empowering deprived populations and helping them to lift themselves out of the poverty cycle. Two zakah-based MSPs have been analyzed in this chapter. The first one is the Asnaf Entrepreneurship Program of Lembaga Zakah, Malaysia and the second one is Baitul Maal Muamalat Indonesia (BMMI). According to literature, using zakah in (MSPs) requires a strict implementation of best practices including screening program beneficiaries, providing professional training and monitoring to businesses, and finally applying a graduation scheme.Yayın Mobilizing zakat (almsgiving) funds to support refugee microenterprise pogroms: A proposed conceptual model(IGI Global, 2022) Kachkar, Omar; Alfares, Marwa; Kachkar, Omar; Yönetim Bilimleri Fakültesi, İşletme BölümüThis chapter examines the prospects and challenges of using zakah as a source of funding in microenterprise support programs for refugees. According to the literature, lack of funds represents a fundamental obstacle in supporting refugees' livelihood in particular in microenterprises programs. Zakat is one of the five pillars of Islam. All Muslims have to pay 2.5% of their wealth every year to the poor and needy. Refugees represent one of the main beneficiaries of zakah. Recently the UNHCR has established a zakah fund to mobilize zakah funds to help refugees. This chapter argues that instead of assisting refugees with cash money, zakat funds or at least part of the zakat funds can be used to provide microcredit grants to support the refugees and help them to help themselves. Despite all the challenges of microfinance programs in particular in the context of refugees, well-designed microfinance programs can provide a more sustainable solution to refugees in particular those trapped in protracted situations.Yayın Using mudarabah for micro-enterprises of refugees(IGI Global, 2023) Kachkar, Omar; Yönetim Bilimleri Fakültesi, İşletme Bölümü; Yönetim Bilimleri Fakültesi, İşletme BölümüThis chapter examines the prospects and challenges of using the Mudharabah (profit-sharing partnership) instrument to extend microfinancing to refugees in microenterprise support programs. According to the literature, many Muslim refugees voluntarily exclude themselves from microfinance programs due to the element of interest that is strictly prohibited in Islam. Mudarabah as a Shari'ah-compliant mode of finance represents one potential instrument that complies with the religious teachings of Muslim refugees and could assist in the financial inclusion of many of them. Despite the inherent risks of Mudarabah such as moral hazard and adverse selection, some successful stories are remarkably encouraging. This chapter is proposing a model for a microenterprise support program based on Mudarabah. The chapter concludes that Mudarabah is a viable mode of finance provided that best practices in implementing Mudarabah as well as microfinance programmes are well adopted and observed.Yayın Perception of customers toward the introduction of Islamic banking to Ghana [Book Chapter](Springer, 20224) Yahuza, Jibril; Kachkar, Omar; Yönetim Bilimleri Fakültesi, İşletme BölümüThis study seeks to determine customers' impressions of Islamic banking (IB) in Ghana. As a non-Islamic Sub-Saharan African country, the study's goal is to investigate Ghana's behavioural goals about IB implementation. The recommended approach is based on the 'theory of planned behaviour (TPB),' which is widely utilized in customer behaviour evaluation. This theory consists of belief structures related to behavior, norms, and control that influence consumers' intentions. The questionnaire was designed to be self-administered. The results of the self-administered structured questionnaire were employed to gather information from 312 respondents to investigate banking customers' perceptions of embracing IB in Ghana. SPSS Amos and partial least squares structural equation modeling (PLS-SEM) were utilized in conducting the descriptive technique. The technique of the model shows an acceptable high goodness-of-fit index, and the data is consistent with the statistical model; the measurement model had a good enough validity and reliability, and the Standardized Mean Square Values (SRMR) were acceptable because it was below the threshold. All three predictors were found positive and significant; the attitude of banking customers in Ghana towards IB significantly impacted their behavioral intention to use it when introduced. Similarly, subjective norms were found to be significant and positive, and lastly, perceived behavior control was found to be positive and effective from all three components. Attitude is the most important factor determining a consumer's desire to use IB, and it has the greatest performance value, followed by subjective norms and perceived behaviour control. Nevertheless, perceived behavioural control outperformed subjective norms, which means more awareness must be created to motivate more banking consumers to use IB when introduced.Yayın SRI Sukuk to achieve SDGs with a special reference to the legal and regulatory framework in Malaysia(Springer, 2024) Kachkar, Omar; Al Fares, Marwa; Yönetim Bilimleri Fakültesi, İşletme BölümüMalaysia has the leadership in developing Islamic socially responsible investing (SRI) and green finance. This study aims to highlight the importance of issuing SRI sukuk to achieve sustainable development and point out the incentives which attract investors to participate in the SRI sukuk within its legal and regulatory framework. This study has adopted a qualitative approach by analysing previous literature, as well as examining Malaysian SRI regulatory framework provisions. This study found that Malaysia is the key actor in provision of an environment requisite for issuing Sukuk aligned with SDGs such as SRI sukuk and SDG Sukuk. Promoting financing for SRI projects through issuing SRI sukuk will meet the United Nations Sustainable Development Goals (SDGs). In order to attract more investors to subscribe to SRI sukuk, SC Malaysia is determined that SRI sukuk should be highly mandated to invest in green, social, sustainable and waqf dimensions. Moreover, the government of Malaysia (GoM) provides Tax incentives for SRI sukuk issuers, investors as well as brokers. For instance, the SRI sukuk issuer enjoys tax concessions on SRI sukuk issuance. Finally, SDG Sukuk Framework explains the Malaysian Government’s intention to utilize the SDG Sukuk to fund projects that will generate environmental and social benefits and also conform to sustainable development goals.
