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islamic finance introduction marketing kewangan islam islamic banking sijil tinggi muamalat business ilim ekonomi shariah principles of islamic jurisprudence usul fiqh mohammad hashim kamali muamalat moral pendidikan moral market segmentation product classification levels of product packaging labeling brand strategies consumer products islamic banks product strategy prinsip institutions kewangan koperasi etika etika keperibadian mulia operation of islamic banks egoisme utilitarianisme teleologi prinsip kewajipan eksistensialisme deontologi buying behaviour chapter 2 consumer decision buying new product buyer-decision market targeting market positioning bank islam ras baitulmal maiwp lembaga zakat selangor zakat lzs islamic jurisprudence syariah principles islamic law source of shariah first source of shariah al-quran shariah law quran tax malaysia spa m41 peperiksaanonline pegawaitadbirdandiplomatik takaful islamic capital market pasaran modal icm sukuk bond sistem kewangan islam finance gadai pajak ar-rahnu perniagaan perakaunan account product life cycle pemasaran plc uniten faktor race astin