福島康博「ペナン島における商業銀行とイスラーム銀行」MSJ（Vol.1）
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1 2012 the Pearl of the Orient 1969 Penang Development Corporation 1971 Free Trade Zone Act % Bayan Lepas Free Industrial Zone Plaza Gurney 297 km 0.1% Bank Negara Malaysia BNM 1 commercial bank Islamic bank shophouse 100 km 1 Melaka and George Town, Historic Cities of the Straits of Malacca 2 branch service centre regional centre customer centre call centre ATM CD 93
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3 I I Banking and Financial Institutions Act Islamic bank International Islamic bank Islamic Banking Act Islamic banking business 3 BNM 1996 Islamic Banking Scheme IBS Islamic banking division , 2008: Government Linked Company, GLC Agro Bank Malaysia SME Small Medium Enterprise Bank Berhad Bank Kerjasama Rakyat Malaysia Berhad Bank Simpanan Nasional Berhad 5 banking BNM commercial bank 6 merchant bank BNM investment bank 7 financial company discount house money-broking business 95
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8 2012 Tower 500m BNM BNM 14 BNM Komtar Penang Times Square Universiti Sains Malaysia USM Queensbay Mall km Air Itam Farlim Business Centre 212 Lebuhraya Thean Teik 225 Jalan Angsana terraced house semi-detached house Lintang Angsana 200m km 14 Buffer Zone, 1.50 km EON
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19 Ho Chin Siong Bank Negara Malaysia 2010 Monthly Statistics Bulletin: August 2010, Kuala Lumpur: Bank Negara Malaysia. Department of Statistics, Malaysia 2009 Statistics Handbook Malaysia 2009, Putrajaya: Department of Statistics, Malaysia. 2010a Yearbook of Statistics Malaysia 2009, Putrajaya: Department of Statistics, Malaysia. 2010b Population, Household & Living Quarters Malaysia 2010, Putrajaya: Department of Statistics, Malaysia. Khoo Su Nin 1993 Streets of George Town Penang, Penang: The Phoenix Press. Lo Liang Kheng, Osman Mahamad, T. Ramayah, and Rahim Mosahab 2010 The Impact of Service Quality on Customer Loyalty: A Study of Banks in Penang, Malaysia, International Journal of Marketing Studies, 2(2), pp
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