Industrial development plays the most important role inthe degradationof the global environment. In line with this issue, most universities in the world have introduced environmentalmanagement to increase awarenessamong young generation towards the environment. Therefore, this study is employed to examine the influences of hygiene practices, awareness and involvement levels towards environmentalhygiene among UMT students. The design of this study is quantitative using cross-sectionaldata collectedfrom students at residential colleges in Universiti Malaysia Terengganu. A total of 120 respondents participatedbut only data from 100 students could be used for further analysis after the datascreening process. The result of this study showed that the level of awareness of UMT students on environmental issues could be categorized as moderate. Besides that, this study found that the level of awareness had significant positive influences on environmentalhygiene. Meanwhile, hygiene practices and the level of involvement did not have significant influences on environmentalhygiene. In addition, using the findings of this study, we suggest that the stakeholders of UMT increase the hygiene practice and involvement among young generation to increase the level of awareness regarding environmental hygiene.
This paper aims to analyze the distinction of premium setting rates by taking into account the risk
taken by conventional and Family Takaful. This study employed the Net Single and Annual Level
Premium formula, and the data were analyzed using a numerical simulation. We found that the
conventional and Takaful insurance systems utilize similar methods in the calculation of insurance
premium when considering pure risk faced by the participant or insured. However, both systems have
their own unique characteristics. The conventional and Family Takaful utilize historical data, such as
mortality rate, expected return rate, expected costs and expected amount of claims. The conventional
insurance is calculated to mitigate or minimize the risk of the insurance company against an amount of
claim faced in the future as long as the insurance is enforced until the contract ends. On the other
hand, the Family Takaful is intended to share fair value among participants in determining
benevolence through Tabarru premium. Every participant must pay for Tabarru premium to support
one another so that there is sufficient amount to cover unexpected claims among them and to uphold
mutual fund as evidence for the sense of mutual co-operation and brotherhood among participants.