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Final Result for Survey Student Perception and Needs Towards PERTEMU and Muamalat Faculty
1. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page1
End Result of research about ‘Student Perception and Needs towards
Organization of PERTEMU’ (Executive Muamalat Association)
1)Academic :
Academic 1 = I am facing difficulties to focus in class
Variable : Frequency Percent
Strongly Disagree 160 79.6
Disagree 41 20.4
Total 201 100.0
For Academic 1 , I am facing difficulties to focus in class. We can see 79.6% respondent
strongly disagree that they have problem to focus in class and remaining 20.4% respondent
disagree they have problem to focus in class.
2. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page2
Academic 2 = PERTEMU helping me in my learning process
Variable : Frequency Percent
Strongly Disagree 158 78.6
Disagree 43 21.4
Total 201 100.0
For Academic 2 , PERTEMU helping me in my learning process. We can see here total of
78.6% of respondent strongly disagree that PERTEMU helping them in their learning process
and the remaining 21.4% of respondent disagree that PERTEMU helping them in their
learning process
3. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page3
Academic 3 = PERTEMU should concern about performance of student
Variable : Frequency Percent
Strongly Disagree 56 27.9
Disagree 145 72.1
Total 201 100.0
For Academic 3, PERTEMU should concern about performance of student. We can see here
27.9% of respondent strongly disagree that PERTEMU should concern about performance of
Kulliyyah Muamalat student and remaining 72.1% disagree that PERTEMU should concern
about performance of Kulliyyah Muamalat student
4. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page4
Academic 4 = I need extra class for tough subject
Variable : Frequency Percent
Strongly Disagree 64 31.8
Disagree 137 68.2
Total 201 100.0
For Academic 4, I need extra class for tough subject. We can see here 31.8% student strongly
disagree that they are not needed for extra class for tough subject because perhaps they can
study by themselves or have group of discussion while the remaining 68.2% disagree to have
extra class for tough subject
5. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page5
2)Social :
Social 1 = PERTEMU should concern about international student
Variable Frequency Percent
Strongly Disagree 201 100.0
In Social 1 , PERTEMU should concern about international student. We can see here 100%
respondent are strongly disagree that PERTEMU should concern about international
student,meaning here PERTEMU should concern for local student only
6. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page6
Social 2 = I think PERTEMU should organize a program that involving international student
Variable : Frequency Percent
Strongly Disagree 69 34.3
Disagree 130 64.7
Total 199 99.0
System Missing 2 1.0
Total 201 100.0
In Social 2, I think PERTEMU should organize a program that involving international
student. We can see here 34.3% of respondent is strongly disagree if PERTEMU is
organizing a program/event that involving international student while 64.7% respondent is
disagree if PERTEMU organizing an event/program that involving international student and
remaining 1.0% of respondent not giving answer regarding this question.
7. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page7
Social 3 = Islamic enviroment still exist in Stargate
Variable Frequency Percent
Strongly Disagree 100 49.8
Disagree 101 50.2
Total 201 100.0
In Social 3, Islamic enviroment still exist in Stargate. We can see here 49.8% of respondent
is strongly disagree that Islamic environment is still exist in Stargate while remaining 50.2%
of respondent is disagree with the statement Islamic environment is still exist in Stargate.
8. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page8
3)Safety :
Safety 1 = Safety precautions in Stargate is in excellent condition
Variable Frequency Percent
Strongly Disagree 154 76.6
Disagree 46 22.9
Total 200 99.5
System Missing 1 .5
Total 201 100.0
In Safety 1, Safety precautions in Stargate is in excellent condition. We can see here 76.6%
of respondent is strongly disagree safety precautions in Stargate is in excellent condition
while 22.9% respondent is disagree with the statement safety precautions in Stargate is in
excellent condition and remaining 0.5% of respondent not giving answer regarding this
question.
9. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page9
Safety 2 = Management of KUIN should concern on safety of student properties example
motorcycle
Variable Frequency Percent
Strongly Disagree 41 20.4
Disagree 159 79.1
Total 200 99.5
System Missing 1 .5
Total 201 100.0
In Safety 2, Management of KUIN should concern on safety of student properties example
motorcycle. We can see here 20.4% of respondent is strongly disagree management of KUIN
should concern on safety of student properties example motorcycle while 79.1% respondent
is disagree with the statement management of KUIN should concern on safety of student
properties example motorcycle and remaining 0.5% of respondent not giving answer
regarding this question.
10. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page10
Safety 3 = I think safety is important for student
Variable Frequency Percent
Strongly Disagree 28 13.9
Disagree 171 85.1
Total 199 99.0
System Missing 2 1.0
Total 201 100.0
In Safety 3, I think safety is important for student. We can see here 13.9% of respondent is
strongly disagree with statement safety is important for student while 85.1% respondent is
disagree with the statement and safety is important for student and remaining 1.0% of
respondent not giving answer regarding this question.
11. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page11
4)Facilities :
Facilities 1 = I think the hostel is in good condition for student
Variable Frequency Percent
Strongly Disagree 145 72.1
Disagree 55 27.4
Total 200 99.5
System Missing 1 .5
Total 201 100.0
In. Facilities 1, I think the hostel is in good condition for student. We can see here 72.1% of
respondent is strongly disagree with statement the hostel is in good condition for student
while 27.4% respondent is disagree with the statement the hostel is in good condition for
student and remaining 0.5% of respondent not giving answer regarding this question.
12. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page12
Facilities 2 = I think the accommodations in hostel are adequate for student
Variable Frequency Percent
Strongly Disagree 158 78.6
Disagree 41 20.4
Total 199 99.0
System Missing 2 1.0
Total 201 100.0
In. Facilities 2, I think the accommodations in hostel are adequate for student. We can see
here 78.6% of respondent is strongly disagree with statement the accommodations in hostel
are adequate for student while 20.4% respondent is disagree with the statement
accommodations in hostel are adequate for student and remaining 1.0% of respondent not
giving answer regarding this question or do not any opinion regarding this question
13. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page13
Facilities 3 = I think the classroom is suitable place to study
Variable Frequency Percent
Strongly Disagree 132 65.7
Disagree 68 33.8
Total 200 99.5
System 1 .5
Total 201 100.0
In. Facilities 3, I think the classroom is suitable place to study. We can see here 65.7% of
respondent is strongly disagree with statement , they think the classroom is suitable place to
study while 33.8% respondent is disagree with the statement the classroom is suitable place
to study and remaining 0.5% of respondent not giving answer regarding this question or do
not any opinion regarding this question
14. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page14
Facilities 4 = I think computer lab adequate for all student
Variable Frequency Percent
Strongly Disagree 165 82.1
Disagree 34 16.9
Total 199 99.0
System 2 1.0
Total 201 100.0
In. Facilities 4, I think computer lab adequate for all. We can see here 82.1% of respondent
is strongly disagree with statement , to think computer lab adequate for all while 16.9%
respondent is disagree with the statement to think computer lab adequate for all and
remaining 1.0% of respondent not giving answer regarding this question or do not any
opinion regarding this question
15. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page15
5)Financial Problem :
Financial 1 = I do not have any problem to buy books for study
Variable Frequency Percent
Strongly Disagree 135 67.2
Disagree 65 32.3
Total 200 99.5
System Missing 1 .5
Total 201 100.0
In Financial 1, I do not have any problem to buy books for study. We can see here total of
67.2% of respondent is strongly disagree with statement that they do not have any problem
to buy books for study while 32.3% respondent is disagree with the statement I do not have
any problem to buy books for study. This maybe because student get loan or scholarship, so
they do not face any problem to buy books and remaining 1.0% of respondent not giving
answer regarding this question or do not any opinion regarding this question
16. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page16
Financial 2 = I do not have any problem in my daily expenses
Variable Frequency Percent
Strongly Disagree 141 70.1
Disagree 58 28.9
Total 199 99.0
System Missing 2 1.0
Total 201 100.0
In Financial 2, I do not have any problem in my daily expenses. We can see here total of
70.1% of respondent is strongly disagree with statement that they do not have any problem
in my daily expenses while 28.9% respondent is disagree with the statement that they do not
have any problem in my daily expenses . This perhaps because student more mature and
know how to spend money in right way and remaining 1.0% of respondent not giving answer
regarding this question or do not any opinion regarding this question
17. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page17
Financial 3 = I can keep money while i still study
Variable Frequency Percent
Strongly Disagree 126 62.7
Disagree 74 36.8
Total 200 99.5
System Missing 1 .5
Total 201 100.0
In Financial 3, I can keep money while i still study. We can see here total of 62.7% of
respondent is strongly disagree with statement that they can keep money while they still study
while 28.9% respondent is disagree with the statement that they can keep money while they
still study and remaining 0.5% of respondent not giving answer regarding this question or do
not any opinion regarding this question
18. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page18
6)Ethical Dress Code :
Ethical 1 = The lecturer should not allowed any student to enter class if not following the collage
dress code
Variable Frequency Percent
Strongly
Disagree
97 48.3
Disagree 104 51.7
Total 201 100.0
In Ethical 1, The lecturer should not allowed any student to enter class if not following the
collage dress code. We can see here total of 48.3% of respondent is strongly disagree with
statement that lecturer should not allowed any student to enter class if not following the
collage dress code they while 51.7% respondent is disagree with the statement that lecturer
should not allowed any student to enter class if not following the collage dress code
19. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page19
Ethical 2 = I think wearing metric card is compulsary to all student
Variable Frequency Percent
Strongly Disagree 100 49.8
Disagree 101 50.2
Total 201 100.0
In Ethical 2 , I think wearing metric card is compulsory to all student. We can see here total
of 49.8% of respondent is strongly disagree with statement that wearing metric card is
compulsory to all student they while 50.2% respondent is disagree with the statement that
wearing metric card is compulsory to all student
20. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page20
Ethical 3 = I think PERTEMU member should give good example to other student by wearing
proper attire
Variable Frequency Percent
Strongly Disagree 50 24.9
Disagree 148 73.6
Total 198 98.5
System Missing 3 1.5
Total 201 100.0
In Ethical 3, I think PERTEMU member should give good example to other student by
wearing proper attire. We can see here total of 24.9% of respondent is strongly disagree with
statement that PERTEMU member should give good example to other student by wearing
proper attire.while 73.6% respondent is disagree with the statement that PERTEMU member
should give good example to other student by wearing proper attire . and remaining 1.5% of
respondent not giving answer regarding this question or do not any opinion regarding this
question
21. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page21
7)Koop :
Koperasi 1 = I feel photocopy centre (own by PERTEMU) providing a fast and good service
Variable Frequency Percent
Strongly Disagree 123 61.2
Disagree 78 38.8
Total 201 100.0
In Koperasi 1, I feel photocopy centre (own by PERTEMU) providing a fast and good
service. We can see here total of 61.2% of respondent is strongly disagree with statement
that photocopy centre (own by PERTEMU) providing a fast and good service while 50.2%
respondent is disagree with the statement that (own by PERTEMU) providing a fast and
good service
22. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page22
Koperasi 2 = I think photocopy centre (own by PERTEMU) have a goods that need by student
Variable Frequency Percent
Strongly Disagree 129 64.2
Disagree 71 35.3
Total 200 99.5
System Missing 1 .5
Total 201 100.0
In Koperasi 2, I think photocopy centre (own by PERTEMU) have a goods that need by
student. We can see here total of 64.2% of respondent is strongly disagree with statement
that. photocopy centre (own by PERTEMU) have a goods that need by student while 35.3%
respondent is disagree with the statement that . photocopy centre (own by PERTEMU) have
a goods that need by student and remaining 0.5% of respondent not giving answer regarding
this question or do not any opinion regarding this question
23. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page23
Koperasi 3 = I feel display and layout of goods in photocopy centre (own by PERTEMU) are
excellent
Variable Frequency Percent
Strongly Disagree 129 64.2
Disagree 72 35.8
Total 201 100.0
In Koperasi 3, I feel display and layout of goods in photocopy centre (own by PERTEMU)
are excellent. We can see here total of 64.2% of respondent is strongly disagree with
statement that layout of goods in photocopy centre (own by PERTEMU) are excellent while
35.8% respondent is disagree with the statement that display and layout of goods in
photocopy centre (own by PERTEMU) are excellent
24. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page24
8)Others :
Others 1 = PERTEMU should open its membership to everyone including international student
Variable Frequency Percent
Strongly Disagree 82 40.8
Disagree 115 57.2
Total 197 98.0
System Missing 4 2.0
Total 201 100.0
In Others 1, PERTEMU should open its membership to everyone including international
student. We can see here total of 40.8% of respondent is strongly disagree with statement that
PERTEMU should open its membership to everyone including international student while
57.2% respondent is disagree with the statement that . PERTEMU should open its
membership to everyone including international student and remaining 2.0% of respondent
not giving answer regarding this question or do not any opinion regarding this question
25. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page25
Others 2 = I think management should providing transportation to send student in Thailand border
Variable Frequency Percent
Strongly Disagree 85 42.3
Disagree 115 57.2
Total 200 99.5
System Missing 1 .5
Total 201 100.0
In Others 2, I think management should providing transportation to send student in Thailand
border. We can see here total of 42.3% of respondent is strongly disagree with statement
should providing transportation to send student in Thailand border. while 57.2% respondent
is disagree should providing transportation to send student in Thailand border and remaining
0.5% of respondent not giving answer regarding this question or do not any opinion regarding
this question
26. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page26
Others 3 = I am interested to join Quran class
Variable Frequency Percent
Strongly Disagree 54 26.9
Disagree 147 73.1
Total 201 100.0
In Others 3, I am interested to join Quran class. We can see here total of 26.9% of
respondent is strongly disagree with statement they are interested to join Quran class while
73.1% respondent is disagree with the statement they want to join Quran class.
27. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page27
i)Demographic Question : Gender
Variable Frequency Percent
Male 70 34.8
Female 128 63.7
Total 198 98.5
System Missing 3 1.5
Total 201 100.0
In first Demographic Question, Gender. We can see here total of 34.8% of respondent is from
male student in Kulliyyah Muamalat while 63.7% from the portion are female respondent in
in Kulliyyah Muamalat and represent half of pie chart and remaining 1.5% of respondent is
not writing their gender on the questionnaire.
28. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page28
ii)Demographic Question : Age
Variable Frequency Percent
18 15 7.5
19 43 21.4
20 30 14.9
21 27 13.4
22 33 16.4
23 26 12.9
24 15 7.5
25 6 3.0
26 3 1.5
Total 198 98.5
System Missing 3 1.5
Total 201 100.0
29. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page29
In second Demographic Question, Age. We can see here total of 7.5% of respondent is from
18 years old student, 21.4% of respondent is 19 years old student, 14.9% respondent is 20
years old student, 13.4% respondent is 21 years old student, 16.4% of respondent is 22 years
old student, 12.9% of respondent is 23 years old student, 7.5% of respondent is from 24 years
old student, 3.0% of respondent is from 25 years old student and remaining 1.5% is from 26
years old student and 1.5% of student is not mention their age in questionnaire.
Largest portion of respondent is contributed by 19 years old student and the lowest portion is
from 26 years old student.
30. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page30
iii)Demographic Question : Semester
Variable Frequency Percent
1 7 3.5
2 36 17.9
3 22 10.9
4 56 27.9
5 35 17.4
6 39 19.4
7 1 .5
Total 196 97.5
System Missing 5 2.5
Total 201 100.0
31. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page31
In third Demographic Question, Semester. We can see here total of 3.5% of respondent is
from first semester student, 17.9% of respondent is from second semester student, 10.9%
respondent is from third semester student, 27.9% respondent is from fourth semester student,
17.4% of respondent from fifth semester student, 19.4% of respondent is from sixth semester
student, 0.5% of respondent is come from seventh semester student, and 2.5% of respondent
not state their semester in the questionnaire
Largest portion of respondent is contributed by fourth semester student and the lowest portion
contributed by seventh semester student.
32. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page32
iv)Demographic Question : Courses
Variable Frequency Percent
BBA 31 15.4
BIBF 76 37.8
BACC 6 3.0
BIFP 5 2.5
BIRT 2 1.0
DBA 12 6.0
DIB 34 16.9
DII 2 1.0
DACC 24 11.9
Others 6 3.0
Total 198 98.5
System Missing 3 1.5
Total 201 100.0
33. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page33
In fourth Demographic Question, Course. We can see here total of 15.4% of respondent is
from BBA student, 37.8% of respondent is from BIBF student, 3.0% respondent is from
BACC student, 2.5% respondent is from BIFP student, 1.0% of respondent from BIRT
student, 6.0% of respondent is from DBA student, 16.9% of respondent is from DIB
student,1.0% of respondent from DII student, 11.9% of respondent from DACC student,
remaining 3.0% from others course and 1.5% of respondent not state their course in the
questionnaire
Largest portion of respondent is contributed by BIBF course student and the lowest portion
contributed by BIRT course student.
34. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page34
v)Demographic Question : Nationality
Variable Frequency Percent
Malaysia 160 79.6
Somalia 13 6.5
Thailand 8 4.0
Kenya 2 1.0
Somaliland 2 1.0
China 2 1.0
Indonesia 2 1.0
Others 1 .5
Total 190 94.5
System Missing 11 5.5
Total 201 100.0
35. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page35
In fifth Demographic Question, Nationality. We can see here total of 79.6% of respondent are
local student, 6.5% of respondent is from Somalia student, 4.0% respondent is Thailand
student, 1.0% respondent is Kenya student, 1.0% of respondent Somaliland student, 1.0% of
respondent is China student, 1.0% of respondent is come Indonesia student, 0.5% of
respondent come from others, and remaining of 5.5% of respondent do not state their
nationality in the questionnaire.
Largest portion of respondent is contributed by local student and the lowest portion
contributed by Kenya, Somaliland, China, and Indonesia student.
36. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page36
vi)Demographic Question : Status
Variable Frequency Percent
Single 188 93.5
Married 9 4.5
Total 197 98.0
System Missing 4 2.0
Total 201 100.0
In sixth Demographic Question, Status. We can see here total of 95.4% of respondent of
Kulliyyah Muamalat is single while 4.6% of student of Kulliyyah Muamalat is already
married and remaining 2.0% of student do not state their status in the questionnaire.
37. Survey by PERTEMU to Kulliyyah Muamalat student
Bureau of Academic, Research and Career,
Muamalat Executive Association (PERTEMU), 2012/2013 Session.
Page37
vii)Demographic Question : Loan
Variable Frequency Percent
PTPTN 141 70.1
MARA 1 .5
Self Funding 46 22.9
Others 7 3.5
Total 195 97.0
System 6 3.0
Total 201 100.0
In seventh and last Demographic Question, Loan. We can see here total of 70.1% of
respondent of Kulliyyah Muamalat is using PTPTN as their loan, 0.5% of respondent using
MARA as their loan, 22.9% of student in Kulliyyah Muamalat not taking any loan but instead
using self funding, 3.5% of student in Kulliyyah Muamalat using others loan and remaining
3.0% of student do not answer the question regarding loan in the questionnaire.