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597                                        Nur Fazira & Dr Adaviah (2022)

             3.3 SAMPLING DESIGN

                3.3.1 FOCUS POPULATION AND SAMPLE

                    In this research, respondents who used online banking by Bank Islam Malaysia Berhad  (BIMB) among Johor consumers are the
                    main study's target group. The researcher planned to apply Hair et al (2017) calculation concept to determine the number of
                    samples. The minimum sample size required is five times the size of the research indicators, with a 5:1 ratio being chosen. It also
                    briefly explained that the greater the number of samples collected, the more accurate the data will be.  Hair et al. (2010) also
                    pointed out that the minimum sample size should be 100. Therefore, in this research, there are 33 indicators are used. 33 indicators
                    are including Section A comprises for Demographic (8 items), Section B: Independent Variables (20 items) and Section C:
                    Dependent Variables (5 items). Therefore, the size sampling for this research is:
                     5 x 33 = 165 respondents
                     Thus, the sampling size for this research is 165 respondents.

                 3.3.2 SAMPLING SIZE TECHNIQUE
                     In  this  study,  the  questionnaire  distribution  technique  was  applied  as  a  sampling  strategy.  According  to  researchers,  this
                     methodology  makes  questionnaire  distribution  more  effective  and  efficient  method  to  gather  data  from  respondents.  The
                     respondents for this study were selected by using a purposive sample method from the Johor population. This methodology is
                     categorized as a non-probability sampling method since the elements picked for the sample are chosen created by researcher's
                     judgements. Furthermore, this strategy is relatively easy to implement. Purposive sampling is also a frequent strategy used by
                     researchers since it is cost-effective rather than to other sample methods. In a nutshell, the questionnaire distribution method
                     encourages researcher collecting data while also allowing for unbiased sample selection. As a result, the researcher feels that by
                     using the questionnaire distribution approach, they will be able to complete their study on time and with an efficient and accurate
                     data analysis.

                 3.3.3 SIZE OF SAMPLING

                     By  using  sample  size,  the  researcher  can  understand  a  group  of  participants  picked  from  the  public  and  believed  to  be
                     representative of the real population for that study. According to information gathered, Johor's total population in 2021 was
                     3,794,000 people. The researcher applied the Hair et al. (2010) idea in this investigation, which recommends that a minimum
                     sample size of 100 should be used. As a result, the study's goal sample size is 165 respondents. Hence, there are 165 sets of
                     surveys being given to respondents in Johor area who use BIMB's online banking via WhatsApp and Facebook in  a community
                     place group using a Google form link.

              3.4 DATA COLLECTION METHOD
                 3.4.1 PRIMARY DATA
                     This  study  of  questionnaire  was  collected  using  an  online  Google  form  and  a  purposive  sampling  method.  This  survey
                     questionnaire will be sent to people of various ages, genders, educational levels, monthly incomes or pocket money, online
                     banking experience, and frequency of online banking to acquire data. Following that, the original data is translated into statistics
                     using statistical software to generate a summary of the data.

                 3.4.2 SURVEY METHOD
                     In this study, the survey was distributed using an online Google form link to different WhatsApp groups and a Facebook with
                     posting at community page in Johor. Due to government directives, this questionnaire will only be conducted on a digital
                     platform due to the COVID-19 pandemic. Along these lines, it refers to a tool, strategy, or approach that researcher might apply
                     to seek data in research by asking a chosen group of people (Formplus, 2018). In short, the survey  method questionnaires in
                     online  were  used  instead of  in manual.  It  generally  enables  respondents  and  the  researcher  conducting  the  study  to  share
                     information. The researcher can also implement this survey to get information from a large sample size or research population.
                     Furthermore, this survey contributes to the improvement of the validity and accuracy of study findings. To be clear, the cost
                     of conducting a survey is often lower than the cost of other research methods, and it is a quick and easy way for the researcher
                     to collect data.

               3.5 RESEARCH INSTRUMENT

                 A research instrument is a tool for collecting, evaluating, and analyzing data from study participants. A questionnaire via an online
                 Google form is the commonly useful tools that researcher can get to obtain data from the respondents in this study. The questions can
                 be used to collect statistical and personal data from the respondents. It may help the researcher while conducting this study. At the
                 same time, it can guide the researcher in conducting the research more accurately, efficiently, and affordably than other procedures.






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