Faktor penentu terhadap etika tingkah laku ejen Takaful disederhanakan oleh orientasi pelanggan

This research examined the determinants of ethical behavior among family takaful agents in Malaysia. This study directly investigated the relationship between idealism, relativism, sales pressure, ethical sales climate, competitive intensity, and peer influence on the ethical behavior of family taka...

Full description

Saved in:
Bibliographic Details
Main Author: Nor Aziza, Abdul Aziz
Format: Thesis
Language:eng
eng
Published: 2016
Subjects:
Online Access:https://etd.uum.edu.my/7178/1/s94893_01.pdf
https://etd.uum.edu.my/7178/2/s94893_02.pdf
Tags: Add Tag
No Tags, Be the first to tag this record!
id my-uum-etd.7178
record_format uketd_dc
institution Universiti Utara Malaysia
collection UUM ETD
language eng
eng
advisor Abdul Ghani, Abdullah
Shaari, Hasnizam
topic HF5001-6182 Business
HF5415.33 Consumer Behavior.
spellingShingle HF5001-6182 Business
HF5415.33 Consumer Behavior.
Nor Aziza, Abdul Aziz
Faktor penentu terhadap etika tingkah laku ejen Takaful disederhanakan oleh orientasi pelanggan
description This research examined the determinants of ethical behavior among family takaful agents in Malaysia. This study directly investigated the relationship between idealism, relativism, sales pressure, ethical sales climate, competitive intensity, and peer influence on the ethical behavior of family takaful agents in Malaysia. Customer orientation was investigated as the moderator to predict the independent variable of ethical behavior. Data collection involved the distribution of questionnaires. Only 169 questionnaires were considered suitable to be analyzed further, with the response rate of 32 percent. The Defining Issues Test (DIT) was applied to measure ethical behavior. The finding shows that 55.5, 39.6, and 4.7 percent of the respondents are at the level of pre- conventional, conventional, and post conventional respectively. All the independent variables manipulated in the study have the positive possibility to influence ethical behavior except idealism and relativism which cannot be proven to have relationships with ethical behavior. The study has successfully proven that sales pressure, ethical sales climate, competitive intensity, and peer influence are significantly correlated to ethical behavior. Regression testing shows that prediction facts on ethical behavior produce the value R2 of 63.2 percent. The study has proven that customer orientation can moderate sales pressure and ethical sales climate towards achieving positive ethical behavior. This indicates the formation of a research framework which is underpinned by the Theory of Marketing Ethics, and the Moral Cognitive Development Theory provides a favorable impact on the outcome of the investigation. Besides, the study also contributes to existing literature which focuses on the development of moral cognitive development. Other than that, it gives some implication to the maturity of the potential agents who confront ethical dilemma in the sales environment. Lastly, detailed implications of the theory and practices as well as suggestions for future study are also discussed.
format Thesis
qualification_name Ph.D.
qualification_level Doctorate
author Nor Aziza, Abdul Aziz
author_facet Nor Aziza, Abdul Aziz
author_sort Nor Aziza, Abdul Aziz
title Faktor penentu terhadap etika tingkah laku ejen Takaful disederhanakan oleh orientasi pelanggan
title_short Faktor penentu terhadap etika tingkah laku ejen Takaful disederhanakan oleh orientasi pelanggan
title_full Faktor penentu terhadap etika tingkah laku ejen Takaful disederhanakan oleh orientasi pelanggan
title_fullStr Faktor penentu terhadap etika tingkah laku ejen Takaful disederhanakan oleh orientasi pelanggan
title_full_unstemmed Faktor penentu terhadap etika tingkah laku ejen Takaful disederhanakan oleh orientasi pelanggan
title_sort faktor penentu terhadap etika tingkah laku ejen takaful disederhanakan oleh orientasi pelanggan
granting_institution Universiti Utara Malaysia
granting_department Othman Yeop Abdullah Graduate School of Business
publishDate 2016
url https://etd.uum.edu.my/7178/1/s94893_01.pdf
https://etd.uum.edu.my/7178/2/s94893_02.pdf
_version_ 1747828169231040512
spelling my-uum-etd.71782021-04-19T02:56:43Z Faktor penentu terhadap etika tingkah laku ejen Takaful disederhanakan oleh orientasi pelanggan 2016 Nor Aziza, Abdul Aziz Abdul Ghani, Abdullah Shaari, Hasnizam Othman Yeop Abdullah Graduate School of Business Othman Yeop Abdullah Graduate School of Business HF5001-6182 Business HF5415.33 Consumer Behavior. This research examined the determinants of ethical behavior among family takaful agents in Malaysia. This study directly investigated the relationship between idealism, relativism, sales pressure, ethical sales climate, competitive intensity, and peer influence on the ethical behavior of family takaful agents in Malaysia. Customer orientation was investigated as the moderator to predict the independent variable of ethical behavior. Data collection involved the distribution of questionnaires. Only 169 questionnaires were considered suitable to be analyzed further, with the response rate of 32 percent. The Defining Issues Test (DIT) was applied to measure ethical behavior. The finding shows that 55.5, 39.6, and 4.7 percent of the respondents are at the level of pre- conventional, conventional, and post conventional respectively. All the independent variables manipulated in the study have the positive possibility to influence ethical behavior except idealism and relativism which cannot be proven to have relationships with ethical behavior. The study has successfully proven that sales pressure, ethical sales climate, competitive intensity, and peer influence are significantly correlated to ethical behavior. Regression testing shows that prediction facts on ethical behavior produce the value R2 of 63.2 percent. The study has proven that customer orientation can moderate sales pressure and ethical sales climate towards achieving positive ethical behavior. This indicates the formation of a research framework which is underpinned by the Theory of Marketing Ethics, and the Moral Cognitive Development Theory provides a favorable impact on the outcome of the investigation. Besides, the study also contributes to existing literature which focuses on the development of moral cognitive development. Other than that, it gives some implication to the maturity of the potential agents who confront ethical dilemma in the sales environment. Lastly, detailed implications of the theory and practices as well as suggestions for future study are also discussed. 2016 Thesis https://etd.uum.edu.my/7178/ https://etd.uum.edu.my/7178/1/s94893_01.pdf text eng public https://etd.uum.edu.my/7178/2/s94893_02.pdf text eng public Ph.D. doctoral Universiti Utara Malaysia Abdallah, A. B., Obeidat, B. Y., & Aqqad, N. O. (2014). The impact of supply chain management practices on supply chain performance in Jordan: The moderating effect of competitive intensity. International Business Research, 7(3), 13–28. Abdolmohammadi, M., & Sultan, J. (2002). Ethical reasoning and the use of insider information in stock trading. Journal of Business Ethics, 37(2), 165–173. Abdou, H. A., Ali, K., & Lister, R. J. (2014). A comparative study of Takaful and conventional insurance : Empirical evidence from the Malaysian market. Insurance Markets and Companies: Analyses and Actuarial Computations, 4(1), 23–35. Abdullah Abdul Ghani. (2000). Pengaruh tingkah laku etika ketua terhadap tingkah laku etika subordinat di sektor kewangan di Malaysia. Disertasi Ijazah Doktor Falsafah tidak diterbitkan:Universiti Utara Malaysia, Malaysia. Abratt, R., & Penman, N. (2002). Understanding factors affecting salespeople’s perceptions of ethical behavior in South Africa. Journal of Business Ethics, 35(4), 269–280. Adnan, A., Saher, N., Naureen, H., Qureshi, S., & Khan, N. Y. (2013). What shapes ethical behavior of sales team? A case study of banking sector of Pakistan. Interdisciplinary Journal of Contemporary Research in Business, 5(1), 424–443. Afza, T. (2000). Ethical behaviour and allocative efficiency. Pakistan Economic and Social Review, 38(2), 129–144. Agnihotri, R., & Rapp, A. (2011). Perspectives on competitive intelligence within business: A tactical tool for salespeople to gain a competitive advantage. The Marketing Review, 11(4), 363–380. Agnihotri, R., Rapp, A., Kothandaraman, P., & Singh, R. K. (2011). An emotion-based model of salesperson ethical behaviors. Journal of Business Ethics, 109(2), 243– 257. Aguinis, H. (1995). Statistical power with moderated multiple regression in management research. Journal of Management, 21(6), 1141–1158. Ahmad Taufik, S. (2012). Pengaruh faktor individu dan situasi terhadap tingkah laku etika dalam organisasi: Peranan program etika sebagai konstruk penyederhana. Disertasi Ijazah Doktor Falsafah tidak diterbitkan: Universiti Utara Malaysia, Malaysia. Aiken, L. S., & West, S. G. (1991). Multiple regression: Testing and interpreting interactions. Newbury Park:Sage. Ajzen, I., & Fishbein, M. (1975). Belief, attitude, intention and behavior: An introduction to theory and research. Addison-Wesley. Ajzen, I., & Fishbein, M. (1980). Understanding attitudes and predicting social behavior. Englewood Cliffs: Prentice Hall. Akaah, I. P. (1992). Social inclusion as a marketing ethics correlate. Journal of Business Ethics, 11(8), 599–608. Akaah, I. P. (1997). Influence of deontological and teleological factors on research ethics evaluations. Journal of Business Research, 39(2), 71–80. Akaah, I. P., & Riordan, E. A. (1989). Judgments of marketing professionals about ethical issues in marketing research : A replication and extension. Journal of Marketing Research, 26(1), 112–120. Al-Aidaros, A.-H. M. H. (2012). The accountant’ s ethical code of conduct and moral reasoning from an Islamic environment: Case in Yemen. Disertasi Ijazah Doktor Falsafah tidak diterbitkan: Universiti Utara Malaysia. Alexander, N., & Colgate, M. (2006). Retail financial services: Transaction to relationship marketing. European Journal of Marketing, 34(8), 938–953. Al-Khatib, J. a., Vollmers, S. M., & Liu, Y. (2007). Business to business negotiating in China: The role of morality. Journal of Business & Industrial Marketing, 22(2), 84–96. Allen, J. a., Pugh, S. D., Grandey, A. a., & Groth, M. (2010). Following display rules in good or bad faith?: Customer orientation as a moderator of the display rule- emotional labor relationship. Human Performance, 23(2), 101–115. Alrubaiee, L. (2012). Exploring the relationship between ethical sales behavior, relationship quality, and customer loyalty. International Journal of Marketing Studies, 4(1), 7–26. Alrubaiee, L., & Al-Nazer, N. (2010). Investigate the impact of relationship marketing orientation on customer loyalty: The customer’s perspective. International Journal of Marketing Studies, 2(1), 155–174. Ambrose, M. L., Arnaud, A., & Schminke, M. (2007). Individual moral development and ethical climate: The influence of person–organization fit on job attitudes. Journal of Business Ethics, 77(3), 323–333. Amirshahi, M., Shirazi, M., & Ghavami, S. (2014). The relationship between salespersons’ ethical philosophy and their ethical decision-making process. Asian Journal of Business Ethics, 3(1), 11–33. Ampofo, A. A. (2004). An empirical investigation into the relationship of organizational ethical culture to ethical decision-making by accounting/finance professionals in the insurance industry in the U.S.A. Disertasi Ijazah Doktor Falsafah tidak diterbitkan: Nova Southeastern University. Amran Awang. (2006). Orientasi keusahawanan firma dan prestasi perusahaan kecil dan sederhana (PKS) bumiputera: Kajian impak penyederhana beberapa faktor persekitaraan yang ditanggap. Disertasi Ijazah Doktor Falsafah tidak diterbitkan: Universiti Sains Malaysia. Anderson, E., & L.Oliver, R. (1987). Perspectives on behavior-based versus outcome- based salesforce control system. Journal of Marketing, 51, 76–88. Anderson, E. W., Fornell, C., & Lehmann, D. R. (1994). Customer satisfaction,market share, and profitability: Findings from Sweden. Journal of Marketing, 58, 53–66. Arifin, J., Yazid, A. S., & Sulong, Z. (2013). A conceptual model of literature review for Family Takaful (Islamic Life Insurance ) demand in Malaysia. International Business Research, 6(3), 210–216. Armstrong, J. S., & Overton, T. S. (1977). Estimating nonresponse bias in mail surveys. Journal of Marketing Research, 14(3), 396–402. Armstrong, M. B., Ketz, J. E., & Owsen, D. (2003). Ethics education in accounting: Moving toward ethical motivation and ethical behavior. Journal of Accounting Education, 21, 1–16. Asmak Ab Rahman, & Asmak Ab Rahman. (2013). What drives consumers to participate into family takaful schemes? A literature review. Journal of Islamic Marketing, 4(3), 264–280. Babakus, E., Yavas, U., & Ashill, N. J. (2009). The role of customer orientation as a moderator of the job demand-burnout-performance relationship: A surface-level trait perspective. Journal of Retailing, 85(4), 480–492. Babbie, E. R. (1990). Survey research methods (2nd ed.). Belmont,California: Wadsworth Publishing Company. Babin, B. J., S.Boles, J., & Robin, D. P. (2000). Representing the perceived ethical work climate among marketing employees. Journal of the Academy of Marketing Science, 28(3), 345–358. Bailey, C. D. (2011). Does the defining issues test measure ethical judgment ability or political position ? The Journal of Social Psychology, 151(3), 314–330. Baker, T. L., Hunt, T. G., & Andrews, M. C. (2006). Promoting ethical behavior and organizational citizenship behaviors : The influence of corporate ethical values. Journal of Business Research, 59, 849–857. Bank Negara Malaysia. (2013). Laporan Tahunan 2013. Kuala Lumpur, Malaysia. Barna, P. J. (2009). Ethical behavior in the framework of educational and ethical leadership: Grounded theory research. Unpublished doctoral thesis.University of Phoenix. Barnett, T., Bass, K., & Brown, G. (1994). Ethical ideology and ethical judgment regarding ethical issues in business. Journal of Business Ethics, 13(6), 469–480. Barnett, T., Bass, K., & Brown, G. (1996). Religiosity, ethical ideology, and intentions to report a peer’s wrongdoing. Journal of Business Ethics, 15(11), 1161–1174. Barnett, T., Bass, K., Brown, G., & Hebert, F. J. (1998). Ethical ideology and the ethical judgments of marketing professionals. Journal of Business Ethics., 17(7), 715–723. Barnett, T., & Valentine, S. (2004). Issue contingencies and marketers’ recognition of ethical issues, ethical judgments and behavioral intentions. Journal of Business Research, 57(4), 338–346. Baron, R. M., & Kenny, D. A. (1986). The moderator -mediator variable distinction in social psychological research: Conceptual, strategic, and statistical consideration. Journal Of Personality and Social Psychology, 51(6), 1173–1182. Barsky, A. (2004). The ethical cost of assigned performance goals. Bartels, R. (1967). A Model for ethics in marketing. Journal of Marketing, 31(1), 20. Bartlett, D. (2003). Management and business ethics: A critique and integration of ethical decision-making models. British Journal of Management, 14(3), 223–235. Bass, K., Barnett, T., & Brown, G. (1998). The moral philosophy of sales managers and its influence on ethical decision making. Journal of Personal Selling & Sales Management, 18(2), 1–17. Bass, K., Barnett, T., & Gene, B. (1999). Individual difference variables, ethical judgemets, and ethical behavioral intentions. Business Ethic Quarterly, 9(2), 183–205. Bateman, C., & Valentine, S. (2015). The impact of salesperson customer orientation on the evaluation of a salesperson’s ethical treatment, trust in the salesperson, and intentions to purchase. Journal of Personal Selling & Sales Management, 35(2), 125–142. Beams, J. D., Brown, R. M., & Killough, L. N. (2003). An experiment testing the determinants of non-compliance with insider trading laws. Journal of Business Ethics, 45(4), 309–323. Beauchamp, T. L., & Bowie, N. E. (1997). Ethical theory and busniess practices. In Ethical theory and business (5th ed., pp. 1–44). New Jersey: Prentice Hall. Bejou, D. (1994). Relationship-selling trajectories: A conceptual model and empirical investigation. Disertasi Ijazah Doktor Falsafah tidak diterbitkan:Memphis State University. Belak, J., & Rozman, M. P. (2012). Business ethics from Aristotle, Kant and Mill’s perspective. Kybernetes, 41(10), 1607–1624. Bellizzi, J. A., & Hasty, R. W. (2003). Supervising unethical sales force behavior : How strong is the tendency to treat top sales performers leniently? Journal of Business Ethics, 43(4), 337–351. Beu, D. (2000). Accountability as it influences ethical behavior. Disertasi Ijazah Doktor Falsafah tidak diterbitkan: The University of Oklahoma. Beu, D., & Buckley, M. R. (2001). The hypothesized relationship between accountability and ethical behavior. Jurnal of Business Ethics, 34(1), 57–73. Bing, L. I. U., & Yu-qing, Y. (2014). Organizational ethical climate review. In International Conference on e-Education, e-Business and Information Management (ICEEIM 2014) (pp. 137–140). Biro Pengantaraan Kewangan. (2013). Laporan Tahunan 2013. Kuala Lumpur, Malaysia. Birtch, T. a., & Chiang, F. F. T. (2014). The Influence of business school’s ethical climate on students' unethical behavior. Journal of Business Ethics, 123(2), 283– 294. Blasi, A. (1980). Bridging moral cognition and moral action: A critical review of the literature. Psychological Bulletin, 88(1), 1–45. Boles, J., Brashear, T., Bellenger, D., & Barksdale, H. (2000). Relationship selling behaviors: Antecedents and relationship with performance. Journal of Business & Industrial Marketing, 15(2/3), 141–153. Borden, K. S., & Abbott, B. B. (2011). Research design and methods: A process approach (8th ed.). New York, NY: McGraw-Hill. Bourdeau, B., Graf, R., & Turcotte, M. (2013). Influence of corporate social responsibility as perceived by salespeople on their ethical behaviour, attitudes and their turnover intentions. Journal of Business & Economics Research, 11(8), 353– 367. Boyle, B. A. (2000). The impact of customer characteristics and moral philosophies on ethical judgments of salespeople. Journal of Business Ethics, 23, 249–267. Bozionelos, N. (2003). Intra-organizational network resources: Relation to career success andpPersonality. International Journal of Organizational Analysis, 11(1), 41–66. Brach, S., Walsh, G., Hennig-Thurau, T., & Groth, M. (2015). A dyadic model of customer orientation: Mediation and moderation effects. British Journal of Management, 26(2), 292–309. Bradford, K. D., & Weitz, B. a. (2009). Salespersons’ management of conflict in buyer-seller relationships. Journal of Personal Selling and Sales Management. Brady, M. K., & Cronin, J. J. (2001). Customer orientation: Effects on customer service perceptions and outcome behaviors. Journal of Service Research, 3(3), 241–251. Brandon, D. M., Kerler, W. A., Killough, L. N., & Mueller, J. M. (2007). The joint influence of client attributes and cognitive moral development on students’ ethical judgments. Journal of Accounting Education, 25, 59–73. Braton, V. K. (2004). Affective morality: The role of emotions in the ethical decision- making process. Disertasi Ijazah Doktor Falsafah tidak diterbitkan: The Florida State University. Breckler, S. J. (1984). Empirical validation of affect, behavior, and cognition as distinct components of attitude. Journal of Personality and Social Psychology, 47(6), 1191–1205. Briggs, E., Jaramillo, F., & Weeks, W. A. (2012). The influences of ethical climate and organization identity comparisons on salespeople and their job performance. Journal of Personal Selling & Sales Management, 32(4), 421–436. Brown, M. E., & Treviño, L. K. (2006). Ethical leadership: A review and future directions. The Leardership Quarterly 17, 17, 595–616. Brown, T. J., Mowen, J. C., Donavan, D. T., & Licata, J. W. (2002). The customer orientation of service workers: Personality trait effects on self and supervisor performance ratings. Journal of Marketing Research, 39, 110–119. Burnett, M., Pettijohn, C., & Keith, N. (2008). A comparison of the ethical perceptions of prospective personal selling and advertising employees. Marketing Management Journal, 18(1), 77–84. Burton, R. V. (1976). Honesty and dishonesty. In T. Lickona (Ed.), Moral development and behavior: Theory, research and social issues. New York. Butterfield, K. D., Trevino;, L. K., & Weaver, G. R. (2000). Moral awareness in business organizations : Influences of issue-related and social context factors. Human Relations, 57(3), 981–1018. Cadogan, J. W., Lee, N., Tarkiainen, A., & Sundqvist, S. (2009). Sales manager and sales team determinants of salesperson ethical behaviour. European Journal of Marketing, 43(7/8), 907–937. Caywood, C. L., & Laczniak, G. R. (1986). Ethics and personal selling: Death of a salesman as an ethical primer. Journal of Personal Selling & Sales Management. Cesur, S., & Topcu, M. (2010). A reliability and validity study of the defining issues test: The relationship of age, education, gender and parental education with moral development. Educational Sciences: Theory and Practice, 10(3), 1681–1696. Chan, L. M., Jamilah Othman, & Rusinah Joned. (2011). The conceptual model of personal moral philosophy (PMP) and ethical decision making (EDM). Journal of Management Research, 3(2), 1–14. Chang, S.-C., & Lee, M.-S. (2007). A study on relationship among leadership, organizational culture, the operation of learning organization and employees’ job satisfaction. The Learning Organization, 14(2), 155–185. Charles, H. (2003). An exploratory investigation of the relationship between ethical conflict and salesperson performanc. Journal of Business & Industrial Marketing, 18(4/5), 435–446. Charles, H., & Michael, D. (2005). Managing the ethical climate of customer-contact service employees. Journal of Service Research, 7(4), 377–397. Chen, M., & Mau, L. (2009). The impacts of ethical sales behaviour on customer loyalty in the life insurance industry. The Service Industries Journal, 29(1), 59– 74. Chonko, L. B., & Hunt, S. D. (1985). Ethics and marketing management : An empirical examination. Journal of Business Research, 13, 339–359. Chonko, L. B., & Hunt, S. D. (2000). Ethics and marketing management: A retrospective and prospective commentary. Journal of Business Research, 50(3), 235–244. Christensen, S. L. (2007). The role of law in models of ethical behavior. Journal of Business Ethics, 77(4), 451–461. Cicala, J. E. (2011). The effect of salesperson perceived transparency, as enabled by technology, on unethical salesperson behavior. Disertasi Ijazah Doktor Falsafah tidak diterbitkan.University of Memphis. Cicala, J. E., Bush, A. J., Sherrell, D. L., & Deitz, G. D. (2014). Does transparency influence the ethical behavior of salespeople? Journal of Business Research, 67(9), 1–9. Cicala, J. E., Smith, R. K., & Bush, A. J. (2012). What makes sales presentations effective : A buyer-seller perspective. Journal of Business & Industrial Marketing, 27(2), 78–88. Ciric, M., Pocuca, M., & Raicevic, V. (2014). Level of customer orientation and customer protection in hotel in Serbia. Journal of Economic and Agriculture, 412(1). Coakes, S. J. (2013). SPSS version 20.0 for windows: Analysis without anguish (3rd ed.). New York: John Wiley & Sons Australia Ltd. Cochran, W. G. (1977). Sampling techniques (3rd ed.). New York: John Wiley & Sons. Cohen, J., & Cohen, P. (1983). Applied multiple regression/correlation analysis for the behavioural sciences (2nd ed.). New Jersey: Lawrence Erlbaum. Cooper, D. R., & Schindler, P. S. (2011). Business research methods (11th ed.). New York: McGraw Hill Education. Cooper, R. W. ., & Frank, G. L. (2012). Effects of the recession and slow recovery on ethics and trust in the insurance industry. Journal of Financial Service Professionals, 66(3), 51–63. Cooper, R. W., & Frank, G. L. (2002). Ethical challenges in the two main segments of the insurance industry: Key considerations in the evolving financial services marketplace. Journal of Business Ethics, 36(2), 5–20. Copy. (2011). copy. Journal of Business Research, 64(6), 617–624. Craft, J. L. (2012). A review of the empirical ethical decision-making literature: 2004– 2011. Journal of Business Ethics, 117(2), 221–259. Cravens, D. W., Ingram, T. N., Laforge, R. W., & Young, C. E. (1993). Behavior- based and outcome-based salesforce control systems. Journal of Marketing, 57(October), 47–59. Cremer, D. De, Dick, R. Van, Tenbrunsel, A., Pillutla, M., & Murnighan, J. K. (2011). Understanding ethical behavior and decision making in management: A behavioural business ethics approach. British Journal of Management, 22, 1–4. Cross, M. E., Brashear, T. G., Rigdon, E. E., & Bellenger, D. N. (2007). Customer orientation and salesperson performance. European Journal of Marketing, 41(7/8), 821–835. Crowson, H. M., & DeBacker, T. K. (2008). Political identification and the defining issues test: Reevaluating an old hypothesis. The Journal of Social Psychology, 148(1), 43–60. Cullen, J. B., Parboteeah, K. P., & Victor, B. (2003). The effects of ethical climates on organizational commitment: A two-study analysis. Journal of Business Ethics, 46(2), 127–141. Darrat, M. (2010). The antecedents and consequences of salesperson deviance:A question of fit. Disertasi Ijazah Doktor Falsafah tidak diterbitkan:Lousiana Tech University. Davis, D., & Cosenza, R. M. (1998). Business research for decision making (2nd ed.). Boston: PWS-Kent Publishing House. Davis, M. A., Andersen, M. G., & Curtis, M. B. (2001). Measuring ethical ideology in business ethics: A critical analysis of the ethics position questionnaire. Journal of Business Ethics, 32(1), 35–53. Dawson, J. F. (2013). Moderation in management research: What, why, when, and how. Journal of Business and Psychology, 29(1), 1–19. Deconinck, J. (2003). The impact of a corporate code of ethics and organizational justice on sales managers’ ethical judgments and reaction to unethical behavior. Marketing Management Journal, 13(1), 23–31. DeConinck, J. B. (2010). The influence of ethical climate on marketing employees’ job attitudes and behaviors. Journal of Business Research, 63(4), 384–391. Deconinck, J. B. (2011). The effects of ethical climate on organizational identification, supervisory trust, and turnover among salespeople. Journal of Business Research, 64, 617–624. Deconinck, J. B., & Lewis, W. F. (1997). The influence of deontological and teleological considerations and ethical climate on sales managers ’ intentions to reward or punish sales force behavior. Journal of Business Ethics, 16(5), 497– 506. Deconinck, J., Deconinck, M. B., & Banerjee, D. (2013). Outcomes of an ethical work climate among salespeople. International Journal of Business Administration, 4(4), 1–9. Deshpande, S. P. (1996). The impact of ethical climate types on facets of job satisfaction : An empirical investigation. Journal of Business Ethics, 15(6), 655– 660. Doering, R. R. R. (1998). Ethical decision making in a business setting: Perceptions of employees. Disertasi Ijazah Doktor Falsafah tidak diterbitkan: Texas Lutheran University. Douglas, P. C., Davidson, R. A., & Schwartz, B. N. (2001). The effect culture orientation of organizational and ethical on Accountants ’ ethical judgments. Journal of Business Ethics, 34(2), 101–121. Dubinsky, A. J., Childers, T. L., Skinner, S. J., & Gencturk, E. (1988). Impact of sales supervisor leadership behavior on insurance agent attitudes and performance. Journal of Risk and Insurance, 55(1), 132–144. Dubinsky, A. J., & Ingram, T. N. (1984). Correlates of salespeople’s ethical conflict: An exploratory investigation. Journal of Business Ethics, 3(4), 343–353. Dubinsky, A. J., Jolson, M. A., Michaels, R. E., Kotabe, M., & Lim, C. U. (1992). Ethical perceptions of field sales personnel : An empirical assessment. The Journal of Personal Selling & Sales Management, 12(4), 9–21. Dubinsky, A. J., Jolson, M. A., Michaels, R. E., Kotabe, M., & LIm, C. U. (1992). Ethical perceptions of field sales personnel: An empirical assessment. Journal of Personal Selling & Sales Management, 12(4), 9–21. Dubinsky, A. J., & Levy, M. (1985). Ethics in retailing : Perceptions of retail salespeople. Academy of Marketing Science. Journal, 13(1), 1–16. Dubinsky, A. J., & Loken, B. (1989). Analyzing ethical decision making in marketing. Journal of Business Research, 19(2), 83–107. Dubinsky, A. J., Nataraajaan, R., & Huang, W. Y. (2004). The influence of moral philosophy on retail salespeople’ s ethical perceptions. Journal of Consumer Affairs, 38(2), 297–320. Dzulkarnain Musa. (2014). Kesan penyederhana orientasi pasaran dan penyertaan ahli-ahli terhadap hubungan antara orientasi keusahawanan dan prestasi perniagaan firma koperasi. Disertasi Ijazah Doktor Falsafah tidak diterbitkan: Universiti Utara Malaysia, Malaysia. Eisenhardt, K. M. (1989). Agency Theory : An Assessment and Review. Academy of Management Review, 14(1), 57–74. Ekici, A., & Onsel, S. (2013). How ethical behavior of firms is influenced by the legal and political environments: A Bayesian causal map analysis based on stages of development. Journal Business Ethics, 115, 271–290. Elias, R. Z. (2002). Determinants of earnings management ethics among accountants. Journal of Business Ethics., 40(1), 33–45. Elm, D. R., & Nichols, M. L. (1993). An investigation of the moral reasoning of managers. Journal of Business Ethics, 12, 817–833. Elm, D. R., & Weber, J. (1994). Measuring moral judgment: The Moral Judgment Interview or the Defining Issues Test? Journal of Business Ethics, 13(5), 341– 355. Ernst & Young. (2014). Global takaful insights 2014 market updates: Growth momentum continues. Evan, P. K. S. (2004). A study of cognitive moral development theory and moral maturity of African-American business professional. rtasi Ijazah Doktor Falsafah tidak diterbitkan: Nova Southeastern University. Evans, K. R. ., & Schlacter, J. L. (1985). The role of sales managers and salespeople in a marketing information system. Journal of Personal Selling & Sales Management, 5(2), 49–58. Evans, K. R., McFarland, R. G., Dietz, B., & Jaramillo, F. (2012). Advancing sales performance research: A focus on five under researched topic areas. Journal of Personal Selling and Sales Management, 32(1), 89–106. Fah, C. F., & Sin, L. H. (2014). Relationship between earnings response coefficient of insurance firms and exgrowth opportunities, earned premium incomes and commissions in Malaysia. International Business Research, 7(6), 164–173. Fee-Yean, T. (2010). Career planning, individual’s personality trait, HRM practices as determinants to individual career sucess: The role of career strategies as mediator. Disertasi Ijazah Doktor Falsafah tidak diterbitkan: University Utara Malaysia. Ferdous, A. S., & Polonsky, M. J. (2013). Predicting Bangladeshi financial salespeople’s ethical intentions and behaviour using the theory of planned behaviour: Implications for developing countries. Asia Pacific Journal of Marketing and Logistics, 25(4), 655–673. http://doi.org/10.1108/APJML-01-2013-0019 Ferrell, & Gresham, L. G. (1985). A contingency framework for understanding ethical decision making in marketing. Journal of Marketing, 49(3), 87–96. Ferrell, O. C., Fraedrich, J., & Ferrell. (2002). Business ethics: Ethical decision making and approach (5th ed.). New York: Houghton Mufflin. Ferrell, O. C., Gresham, L. G., & Faedrich, J. (1989). A synthesis of ethical decision models for marketing. Journal of Macromarketing, 9(2), 55–64. Ferrell, O. C., Johnston, M. W., & Ferrell, L. (2007). A framework for personal selling and sales management ethical decision making. Journal of Personal Selling and Sales Management, 27(4), 291–299. Ferrell, O. C., & Skinner, S. J. (1988). Ethical behavior and bureaucratic structure in marketing research organizations. Journal of Marketing Research, 25(1), 103– 109. Ferrell, O. C., & Weaver, K. M. (1978). Ethical beliefs of marketing managers. Journal of Marketing, 42(3), 69–73. Ferrell, O. C., & Weaver, K. M. (1978). Ethical beliefs of marketing managers. Journal of Marketing, 42(3), 69–72. Fisher, D. G., & Sweeney, J. T. (1998). The relationship between political attitudes and moral judgment: Examining the validity of the defining issues test. Journal of Business Ethics, 17(8), 905–916. Ford, R. C., & Richardson, W. D. (1994). Ethical decision making : A review of the empirical literature. Journal of Business Ethics, 13(3), 205. Forsyth, D. R. (1980). A taxonomy of ethical ideologies. Journal of Personality and Social Psychology, 39(1), 175–184. Forsyth, D. R. (1992). Judging the morality of business practices: The influence of personal moral philosophies. Journal of Business Ethics, 11(5-6), 461–470. Forte, A. (2004). Business ethics: A study of the moral reasoning of selected business managers and the influence of organizational ethical climate. Journal of Business Ethics, 51(2), 167–173. Fraedrich, J., & Ferrell, O. C. (1992). Cognitive consistency of marketing managers in ethical situations. Journal of the Academy of Marketing Science, 20(3), 245–252. Fraedrich, J. P. (1993). The ethical behavior of retail managers. Journal of Business Ethics, 12(3), 207–218. Fraedrich, J., Thome, D. M., & Ferrell, O. C. (1994). Assessing the application of cognitive development theory to business ethics. Journal of Business Ethics, 13(10), 829–838. Frazier, P. A., Tix, A. P., & Barron, K. E. (2004). Testing moderator and mediator effects in counseling psychology research. Journal of Counseling Psychology, 51(1), 2004. Fu, W., & Deshpande, S. P. (2011). Factors impacting ethical behavior in a Chinese State-Owned steel company. Journal of Business Ethics, 105(2), 231–237. Fullerton, D. (2013). An exploration of unethical selling in the Financial Services Industry in the Republic of Ireland By. Kertas Projek Penyelidikan Sarjana tidak diterbitkan: National College of Ireland Research. Gaulden, D. E. (2004). Business ethics: A study of ethical behavior and organizational performance effectiveness. Disertasi Ijazah Doktor Falsafah tidak diterbitkan: Universiti Capella. Giacalone, R. A., Jurkiewicz, C. L., & Promislo, M. (2015). Ethics and well-being: The paradoxical implications of individual differences in ethical orientation. Journal of Business Ethics, 126(4), 1–16. Gilligan, C. (1982). In a difference voice: Psychological theory and women‟s development. Cambridge: Harvard University Press. Goff, B. G., Boles, J. S., Bellenger, D. N., & Stojack, C. (1997). The influence of salesperson selling behaviors on customer satisfaction with products. Journal of Retailing, 73(2), 171–183. Goolsby, J. R., & Hunt, S. D. (1992). A cognitive moral development and marketing. Journal of Marketing, 56(January 1992), 55–68. Green, S., & Weber, J. (1997). Influencing ethical development : Exposing students to the AICPA code of conduct. Journal of Business Ethics, 16(8), 777–790. Greenfield, A. C., Norman, C. S., & Wier, B. (2008). The effect of ethical orientation and professional commitment on earnings management behavior. Journal of Business Ethics, 83(3), 419–434. Greunen, C. Van, & Viviers, S. (2013). The likelihood of unethical behaviour in the life insurance sector in South Africa : An empirical investigation. Management Dynamic Volume, 22(3), 13–29. Grizzle, J. W., Zablah, A. R., Brown, T. J., Mowen, J. C., & Lee, J. M. (2009). Employee customer orientation in context : How the environment moderates the influence of customer orientation on performance outcomes. Journal of Applied Psychology, 94(5), 1227–1242. Grover, S. L. &, & Cathy, A. (2005). The Influence of company rules, ethical climate, and individual characteristics on sales representative’s honesty... Journal of the Australian and New Zealand Academy of Management, 11(2), 27–36. Guenzi, P., & Georges, L. (2010). Interpersonal trust in commercial relationships: Antecedents and consequences of customer trust in the salesperson. European Journal of Marketing, 44(1/2), 114–138. Guth, W. D., & Tagiuri, R. (1965). Personal Values and Corporate Strategy. Harvard Business Review, 43(5), 123–132. Hair, J. F., Black, W. C., Babin., B. J., & Anderson, R. E. (2010). Multivariate data analysis (6th ed.). New York, NY: Pearson/Prentice Hall. Hairuddin Megat Latif. (2014). Tingkah laku etika peguam di Semenanjung Malaysia. Disertasi Ijazah Doktor Falsafah tidak diterbitkan: Universiti Utara Mala. Halinen, A., & Jokela, P. (2014). Exploring ethics in business networks: Propositions for future research. In IMP Conference Bordeaux 2014 (pp. 1–24). Hamid, M. A., Osman, J., Ariffin, B., & Nordin, A. (2009). Determinants of corporate demand for Islamic insurance in Malaysia. International Journal of Economics and Management, 3(2), 278–296. Hamwi, A., Rutherford, B. N., Boles, J. S., & Madupalli, R. K. (2013). Understanding effects of salesperson locus of control. Journal of Business & Industrial Marketing, 29(1), 1–10. Handa, M., & Vohra, A. (2010). Ethical issues encountered by marketing researchers in India. Journal of Management Research, 10(3), 135–150. Hansen, J. D., & Riggle, R. J. (2009). Ethical salesperson behavior in sales relationships. Journal of Personal Selling and Sales Management, 29(2), 151– 166. Hanzaee, K. H., & Mirvaisi, M. (2011). Customer orientation of service employees: A case study of Iranian Islamic banking (based on COSE model). International Journal of Marketing Studies. Harrington, S. J. (1997). A test of a person —issue contingent model of ethical decision making in organizations. Journal of Business Ethics, 16(4), 363–375. Hartenstine, J. C. (2006). The ethical self-concept : An internal mediator regulating ethical judgement and ethical behavioral intention. Disertasi Ijazah Doktor Falsafah tidak diterbitkan: The George Washington University. Harvey, M. E. (2015). The effect of employee ethical ideology on organization budget slack: An empirical examination and practical discussion. Journal of Business & Economic Research, 13(1), 83–90. Hasnah Haron, Ishak Ismail, & Shaikh Hamzah Abdul Razak. (2011). Factors influencing unethical behavior of insurance agents. International Journal of Business and Social Science, 2(1), 84–101. He, H., Wang, W., Zhu, W., & Harris, L. (2015). Service workers’ job performance: The roles of personality trait, organizational identification and customer orientation. European Journal of Marketing, 49(11/12), 1751–1776. Hendon Redzuan, Zuriah Abdul Rahman, & Sharifah Sakinah Aidid. (2009). Economic determinants of Family Takaful consumption: Evidence from Malaysia. International Review of Business Papaers, 5(5), 193–211. Henle, C. A., Giacalone, R. A., & Jurkiewicz, C. L. (2005). The role of ethical ideology in workplace deviance. Journal of Business Ethics, 56(3), 219–230. Hennig-Thurau, T. (2004). Customer orientation of service employees: Its impact on customer satisfaction, commitment, and retention. International Journal of Service Industry Management, 15(5), 460–478. Hoffman, K. D., Howe, V., & Hardigree, D. W. (1991). Ethical dilemmas faced in the selling of complex services : Significant others and competitive pressures. Journal of Personal Selling & Sales Management, 17(4), 13–25. Hoffman, M. L. (1975). Developmental synthesis of affect and cognition and its implications for altruistic motivation. Developmental Psychology, 11(5), 607– 622. Hogan, R. (1974). Dialectical aspects of moral development. Human Development, 17, 107–117. Hollingworth, D., & Valentine, S. (2014). The moderating effect of perceived organizational ethical context on employees’ ethical issue recognition and ethical judgments. Journal of Business Ethics, 128, 1–10. Homburg, C., Müller, M., & Klarmann, M. (2010). When does salespeople’s customer orientation lead to customer loyalty? The differential effects of relational and functional customer orientation. Journal of the Academy of Marketing Science, 39(6), 795–812. Homburg, C., Müller, M., & Klarmann, M. (2011). When does salespeople’ s customer orientation lead to customer loyalty ? The differential effects of relational and functional customer orientation. Journal of the Academic Marketing Science, 39, 795–812. Honeycutt, E. D., Glassman, M., Zugelder, M. T., & Karande, K. (2001). Determinants of ethical behavior : A study of autosalespeople. Journal of Business Ethics, 32(1), 69–79. Howe, V., Hoffman, K. D. D., & Hardigree, D. W. (1994). The relationship between ethical and customer-oriented service provider behaviors. Journal of Business Ethics, 13(7), 497–506. Hunt, S. D., & Vasquez-Parraga, A. Z. (1993). Organizational consequences, marketing ethics, and salesforce supervision. Journal of Marketing Research, 30, 78–90. Hunt, S. D., & Vitell, S. (1986). A genaral theory of marketing ethics. Journal of Macromarketing, 6(1), 5–16. Hunt, S. D., & Vitell, S. J. (2006). The general theory of marketing ethics: A revision and three questions. Journal of Macromarketing, 26(2), 143–153. Inderst, R., & Ottaviani, M. (2009). Misselling through Agents. The American Economic Review, 4(3), 883–908. Ingram, T. N., LaForge, R. W., & Schwepker, C. H. (2007). Salesperson ethical decision making: The impact of sales leadership and sales management control strategy. Journal of Personal Selling and Sales Management, 27(4), 301–315. Intan Marzita Saidon. (2012). Moral disengagement in manufacturing: A Malaysian study of antecedents and outcomes. Disertasi Ijazah Doktor Falsafah tidak diterbitkan: Curtin University. Ishida, C. (2006). How do scores of DIT and MJT differ? A critical assessment of the use of alternative moral development scales in studies of business ethics. Journal of Business Ethics, 67(1), 63–74. Izraeli, D. (1988). Ethical beliefs and behavior among managers : A cross-cultural perspective. Journal of Business Ethics., 7(1975), 263–271. Jagger, S., & Strain, J. (2007). Assessing students’ ethical development in computing with the defining issues test: Challenges to be addressed. Journal of Information, Communication and Ethics in Society, 5(1), 33–42. Jaramillo, F., Ladik, D. M., Marshall, G. W., & Mulki, J. P. (2007). A meta-analysis of the relationship between sales orientation-customer orientation ( SOCO ) and salesperson job performance. Journal of Business & Industrial Marketing, 22(5), 302–310. Jaramillo, F., Mulki, J. P., & Boles, J. S. (2013). Bringing meaning to the sales job: The effect of ethical climate and customer demandingness. Journal of Business Research, 66(11), 2301–2307. Johnson, K. G. (1994). The relationships of adaptive selling behaviors and customer- oriented selling with need for cognition in the personal selling context. Disertasi Ijazah Doktor Falsafah tidak diterbitkan: Louisiana State University. Jones, E., Brown, S. P., Zoltners, A. A., & Wetz, B. A. (2005). The changing environment of selling and sales management. Journal of Personal Selling & Sales Management, 25(2), 105–111. Jones, T. M. (1991). Decision making by individuals ethical in organizations: An issue- contingent model. Academy of Management Review, 16(2), 366–395. Jones, T. M., & Ryan, L. V. (1997). The link between ethical judgment and action in organizations: A moral approbation approach. Organization Science, 8(6), 663– 680. Kang, V. K. S. (2014). Lapan hak pemegang polisi insurans. Persatuan Insurans Hayat Malaysia. Kantor, J., & Weisberg, J. (2002). Ethical attitudes and ethical behavior: Are managers role models? International Journal of Manpower, 23(8), 687–703. Kantor, J., & Weisberg, J. (2006). Ethical attitudes and ethical behavior: are managers role models? International Journal of Manpower, 23(8), 687–703. Kaptein, M., & Schwartz, M. S. (2008). The effectiveness of business codes: A critical examination of existing studies and the development of an integrated research model. Journal of Business Ethics, 77(2), 111–127. Kara, a., Andaleeb, S. S., Turan, M., & Cabuk, S. (2013). An examination of the effects of adaptive selling behavior and customer orientation on performance of pharmaceutical salespeople in an emerging market. Journal of Medical Marketing: Device, Diagnostic and Pharmaceutical Marketing, 13(2), 102–114. Kara, A., Andaleeb, S. S., Turan, M., & Cabuk, S. (2015). An examination of the effects of adaptive selling behavior and customer orientation on performance of pharmaceutical salespeople in an emerging market. Journal of Medical Marketing, 13(2), 102–114. Karami, M., Olfati, O., & Dubinsky, A. J. (2014). Influence of religiosity on retail salespeople’s ethical perceptions: the case in Iran. Journal of Islamic Marketing, 5(1), 144–172. Karande, K., Rao, C. P., & Singhapakdi, A. (2002). Moral philosophies of marketing managers: A comparison of American, Australian, and Malaysian cultures. European Journal of Marketing, 36(7/8), 768–791. Karpoff, J. M., Lee, D. S., & Martin, G. S. (2009). The cost to firms of cooking the books. Journal of Financial and Quantitative Analysis, 43(03), 581. Kaynak, R., & Sert, T. (2012). The impact of service supplier’s unethical behavior to buyer's satisfaction: An empirical study. Journal of Business Ethics, 109(2), 219– 226. Kelley, S. W., Ferrell, O. C., & Skinner, S. J. (1990). Ethical behavior among marketing researchers: An assessment of selected demographic characteristics. Journal of Business Ethics, 9(8), 681–688. Kennedy, M. S., Ferrell, L. K., & Leclair, D. T. (2001). Consumers’ trust of salesperson and manufacturer: An empirical study. Journal of Business Research, 51(1), 73–86. Kerlinger, F. N. (1973). Foundations of behavioural research. New York: Holt, Rinehart & Winston. Killian, R. D. (2011). The effects of relationship selling behaviors and their influence on sales performance. Disertasi Ijazah Doktor Falsafah tidak diterbitkan:Alliant International University. Kim, T. T., Paek, S., Choi, C. H., & Lee, G. (2012). Frontline service employees’ customer-related social stressors, emotional exhaustion, and service recovery performance: Customer orientation as a moderator. Service Business, 6(4), 503– 526. King, P. M., & Mayhew, M. J. (2002). Moral judgement development in higher education: Insights from the Defining Issues Test. Journal of Moral Education, 31(3), 247–270. Koh, A. C., Gammoh, B. S., & Okoroafo, S. C. (2011). The antecedents of sales force motivation: An empirical investigation in the insurance industry in Singapore. International Journal of Marketing Studies, 3(3), 3–13. Kohlberg, L. (1974). Education, moral development and faith. Journal of Moral Education, 4, 5–16. Kohlberg, L. (1984). The psychology of moral development: Moral stages and the life cycle (Vol. 2). San Francisco: Harper and Row. Kohlberg, L., & Hersh, R. H. (1977). Moral development: A review of the theory. Theory into Practice, 16(2), 53–59. Koster, W. (2010). Examining the relationship between ethical environment, loyalty, and whistle- blowing in the insurance industry. Unpublished doctoral thesis. North central University Graduate. Kung, F.-H., & Huang, C. L. (2013). Auditors moral philosophies and ethical beliefs. Management Decision, 51(3), 479–500. Kurtines, W., & Greif, E. B. (1974). The development of moral thought: Review and evaluation of Kohlberg’s approach. Psychological Bulletin, 81(8), 453–470. Kurtz, D. L., Dodge, H. R., & Klompmaker, J. E. (1976). Personal selling (3rd ed.). Dallas: Business Publications Inc. Kushwaha, T., & Dubey, R. (2012). A study of sales-orientation and customer-orientation of front line sales executives in financial services (Vol. 4). Laczniak, G. R., & Murphy, P. E. (2006). Normative perspectives for ethical and socially responsible marketing. Journal of Macromarketing, 26(2), 154–177. Lagace, R. R., Dahlstrom, R., & Gassenheimer, J. B. (1991). The relevance of ethical salesperson behavior on relationship quality : The pharmaceutical industry. Journal of Personal Selling & Sales Management, 11(4), 39–47. Lam, L. W. (2012). Impact of competitiveness on salespeople’s commitment and performance. Journal of Business Research, 65(9), 1328–1334. Lassk, F. G., & Shepherd, C. D. (2013). Exploring the relationship between emotional intelligence and salesperson creativity. Journal of Personal Selling and Sales Management, 33(1), 25–38. Lee, Beatson, A., Garret, T. C., Lins, I., & Zhang, X. (2009). A study of the attitudes towards unethical selling amongst Chinese salespeople. Journal of Business Ethics, 88(S3), 497–515. Lee, C. (2012). Extended service quality model: Causes of agency problems and ethical sales behavior. Social Behavior and Personality. Lee, I. G., & Ji, S. G. (2013). A study on the role of locomotion orientation as an antecedent of salespeople’ selling behavior. Asia Marketing Journal, 15(02), 175–194. Lee, N. R., & Miller, M. (2012). Influencing positive financial behaviors: The social marketing solution. Journal of Social Marketing, 2(1), 70–86. Li, N., & Murphy, W. H. (2012). A three-country study of unethical sales behaviors. Journal of Business Ethics, 111(2), 219–235. Liebert, R. (1984). What develops in moral development? In W. M. Kurtiness & J. L. Gewirtz (Eds.), Morality, moral behavior, and moral development. New York: John Wiley & Sons. Lin, S. H., & Wu, H. (2012). Effects of ethical sales behavior considered through transaction cost theory: To whom is the customer loyal? The Journal of International Management Studies, 7(1), 31–41. Lindblom Arto, Kajalo Sami, M. L. (2015). Exploring the link between ethical leadership, customer orientation and employee outcome in the context of retailing. Management Decision, 53(7), 1642–1658. Lokman Mohd Tahir, & Hamidon Abdul Rahman. (2002). Peranan etika dalam kepimpinan pendidikan. Jurnal Pendidikan Universiti Teknologi Malaysia, 8, 93–103. Lopez, T. B., Carr, J., Gregory, B. T., & Dwyer, S. (2005). The influence of psychological climate on the salesperson customer orientation- salesperson performance relationship. Journal of Marketing Theory and Practice, 13(2), 59– 71. Lopez, T., Hopkins, C., & Raymond, M. (2006). Reward preferences of salespeople: How do commissions rate? Journal of Personal Selling and Sales Management, 26(4), 381–390. Lu, L.-C., & Lu, C.-J. (2010). Moral philosophy, materialism, and consumer ethics: An exploratory study in Indonesia. Journal of Business Ethics, 94(2), 193–210. Lu-Ming, T., Cheng-Lung, P., & Ching-Ching, C. (2011). Insurance salespeople and information asymmetry. Journal of Insurance Regulation, 30(3), 72–94. Lund, D. B. (2000). An empirical examination of marketing professionals ’ ethical behavior in differing situations. Journal of Business Ethics, 24(4), 331–342. Lusch, R. F., & Laczniak, G. R. (1987). The evolving marketing concept, competitive Intensity and organizational performance. Journal of the Academy of Marketing Science, 15(3), 1–11. Macdonald, J. E., & Beck-Dudley, C. L. (1994). Are deontology and teleology mutually exclusive? Journal of Business Ethics, 13(8), 615–623. Madhani, P. M. (2014). Compensation, ethical sales behavior and customer lifetime value. Compensation & Benefits Review, 46(4), 204–218. Madhani, P. M. (2015). Managing salesforce performance: Behavior versus outcome measures. Compensation & Benefits Review, 47(2), 81–90. Maheran Zakaria. (2010). An analysis on ethical judgments of Malaysian auditors. Disertasi Ijazah Doktor Falsafah tidak diterbitkan: Universiti Sains Malaysia. Maheran Zakaria, & Hasnah Haron. (2010). Do moral philosophies influence auditors’ ethical judgments? Malaysian Accounting Review, 9(1), 43–65. Maisarah Mohamed Saat, Hamidah Abd Rahman, & Azizah Rajab. (2012). The impact of industrial training on ethical awareness and ethical judgement. Procedia - Social and Behavioral Sciences, 69(Iceepsy), 1676–1683. http://doi.org/10.1016/j.sbspro.2012.12.114 Malhotra, N. K. (2012). Basic marketing research: Integration of social media (4th ed.). Pearson Education Inc. Mantel, S. P. (2005). Choice or perception: How affect influences ethical choices among salespeople. Journal of Personal Selling & Sales Managemen, 25(1), 43– 55. Mardzelah Makhsin. (2007). Sains pemikiran dan etika (1st ed.). Selangor: PTS Professional Publishing Sdn. Bhd. Marhanum Che Mohd Salleh, Nurdianawati Irwani Abdullah, & Siti Salwani Razali. (2013). Customer perception towards relationship marketing practices in Takaful industry. In 4th International Conferences on Business and Economics Research (4th Icber 2013) Proceeding (pp. 450–465). Marnburg, E. (2001). The questionable use of moral development theory in studies of business ethics : Discussion and empirical findings. Journal of Business Ethics, 32(4), 275–283. Marta, J. K. M. (1999). An empirical investigation into significant factors of moral reasoning and their influences on ethical judgment and intentions. Disertasi Ijazah Doktor Falsafah tidak diterbitkan:Old Dominion University. Marta, J., Singhapakdi, A., & Kraft, K. (2008). Personal characteristics underlying ethical decisions in marketing situation: A survey of small business manager. Journal of Small Business Management, 46(4), 589–606. Martin, C. A. (2001). Customer-oriented selling: An empirical examination of organizational and individual antecedents, and performance outcomes. Disertasi Ijazah Doktor Falsafah tidak diterbitkan: The University of Memphis. Matsawali, M. S., Abdullah, M. F., Ping, Y. C., Abidin, S. Y., Zaini, M. M., Ali, H. M., & Link, T. (2012). A study on takaful and conventional insurance preferences: The case of Brunei. International Journal of Business and Social Science, 3(22), 163–177. Mayer, D. M., Kuenzi, M., & Greenbaum, R. L. (2010). Examining the link between ethical leadership and employee misconduct: The mediating role of ethical climate. Journal of Business Ethics, 95(1), 7–16. Mayo, M. a., & Marks, L. J. (1990). An empirical investigation of a general theory of marketing ethics. Journal of the Academy of Marketing Science, 18(2), 163–171. Mazviona, B. W. (2014). Ethical issues in short-term insurance industry. The Business and Management Review, 4(3), 42–51. McCain, S.-L. C., Tsai, H., & Bellino, N. (2010). Organizational justice, employees’ ethical behavior, and job satisfaction in the casino industry. International Journal of Contemporary Hospitality Management, 22(7), 992–1009. McClaren, N. (2000). Ethics in personal selling and sales management: A review of the literature focusing on empirical finding and conceptual foundations. Journal of Busniess Ethics, 27(3), 285–303. Mcclaren, N. (2013). The personal selling and sales management ethics research : Managerial implications and research directions from a comprehensive review of the empirical literature. Journal of Business Ethics, 112(1), 101–125. McMahon, J. M., & Harvey, R. J. (2006). The effect of moral intensity on ethical judgment. Journal of Business Ethics, 72(4), 335–357. Meng, C. L., Othman, J., D’Silva, J. L., & Omar, Z. (2014). Ethical decision making in academic dishonesty with application of modified theory of planned behavior: A review. International Education Studies, 7(3), 126–139. Miller, K. a., Deci, E. L., & Ryan, R. M. (1988). Intrinsic motivation and self- determination in human behavior. Contemporary Sociology. Mischel, W., & Mischel, H. . (1976). A cognitive social-learning approach to socialization and self- regulation. In T. Lickona (Ed.), Moral development and behavior: Theory, research, and social issues. New York: Holt. Mohamed, O. E. B., Alhabshi, syed O., & Sharif, K. (2013). Factors influencing the penetration rate of Malaysian takāful industry from takaful managers’ perspective. In 4th International Conference on Business and Economic Research (4th ICBER 2013) proceeding (pp. 353–366). Mohamed, O. E. B., & Syed Othman Alhabshi. (2013). Factors influencing the penetration rate of Malaysian takāful industry from takaful managers’ perspective. International Journal of Excellence in Islamic Banking & Finance, 5(March), 353–366. Mohamed, O. E. T. B., Syed Othman Alhabshi, & Kamaruddin Sharif. (2013). Factors influencing market penetration of takāful industry in Malaysia: (1985-2008 ). International Journal of Management Sciences, 1(12), 470–481. Mohamed Sherif, & Nor Azlina Shaairi. (2013). Determinants of demand on family Takaful in Malaysia. Journal of Islamic Accounting and Business Research, 4(1), 26–50. Mohammed, A. A. A. (2015). Business ethical in Takaful Industry : Between myth and reality. Global Advanced Research Journals, 4(5), 190–195. Mohd Fauzi Abu -Hussin, Nasrul Hisyam Nor Muhamad, & Mohd Yahya Mohd Hussin. (2014). Takaful (Islamic Insurance) industry in Malaysia and the Arab Gulf States: Challenges and future direction. Asian Social Science, 10(21), 27– 34. Mohd Firdaus Ismail. (2014, April 26). Isteri saman syarikat insurans RM2 juta. Utusan Malaysia, p. 15. Mohd Isa Mohd Deni. (2009). Perkembangan sistem takaful di Malaysia: Keprihatinan di kalangan siswazah. Kertas Projek Penyelidikan Sarjana tidak diterbitkan: Universiti Utara Malaysia. Mohd Janib Johari. (2001). Etika profesional. Penerbit UTM Press: Universiti Teknologi Malaysia. Mohd Mizan Aslam. (2012). Etika dalam perniagaan dan pencarian menuju integriti. International Journal of Business and Technopreneurship, 2(2), 369–387. Mohd Mumtaz Ali. (2012). Subject matter and scope of ethics : An analysis. Journal of Islam in Asia, 9(2), 157–179. Moore, C., Detert, J. R., Klebe Treviño, L., Baker, V. L., & Mayer, D. M. (2012). Why employees do bad things: Moral disengagement and unethical organizational behavior. Personnel Psychology, 65, 1–48. Mudrack, P. E., & Mason, E. S. (2012). Ethical judgments: What do we know, where do we go? Journal of Business Ethics, 115(3), 575–597. Muhammad Nasri Md Hussain, & Muhammad Ahmad. (2012). Etika perniagaan: Pendekatan perspektif Islam (5th ed.). Petaling Jaya, Selangor: Prentice Hall. Mulki, J. P., Jaramillo, F., & Locander, W. B. (2006). Effects of ethical climate and supervisory trust on salesperson’s job attitudes and intentions to quit. Journal of Personal Selling & Sales Management, 26(1), 19–26. Mulki, J. P., Jaramillo, J. F., & Locander, W. B. (2009). Critical role of leadership on ethical climate and salesperson behaviors. Journal of Business Ethics, 86(2), 125– 141. Murphy, P. E., Laczniak, G. R., & Wood, G. (2007). An ethics basis for relationship marketing: A virtue ethics perspective. European Journal of Marketing, 41(1/2), 37–57. Murphy, S. T. (2007). A model of influences on ethical decision-making: Individual and situational effects. Disertasi Ijazah Doktor Falsafah tidak diterbitkan:The University of Oklahoma. Mustazar, M. (2011). Analisis deskriptif prestasi dan kecekapan industri insurans di Malaysia pada tahun 1982 hingga 2009. In Prosiding Perkem VI, Jilid 2 (Vol. 2, pp. 434– 443). Narver, J. C., & Slater, S. F. (1990). The effect of a market orientation on business profitability. Journal of Marketing, 54(4), 20–35. Nather, F. (2013). Exploring the impact of formal education on the moral reasoning abilities of college students. College Student Journal, 47(3), 470–477. Ndubisi, N. O., Nataraajan, R., & Lai, R. (2014). Customer perception and response to ethical norms in legal services marketing. Journal of Business Research, 67(3), 369–377. Newman, A., Kiazad, K., Miao, Q., & Cooper, B. (2013). Examining the cognitive and affective trust-based mechanisms underlying the relationship between ethical leadership and organisational citizenship: A case of the head leading the heart? Journal of Business Ethics, 123(1), 1–11. Nik Kamariah Nik Mat. (1995). Determinants of sales performance in insurance industry: A cross cultural comparison between the UK and Malaysia. Disertasi Ijazah Doktor Falsafah tidak diterbitkan: The University Of Aston Birmingham. Nor Azila Mohd Noor. (2005). Customer-orientation behaviour: Antecedents and its impact on sales performance of life insurance agents. Disertasi Ijazah Doktor Falsafah tidak diterbitkan: Universiti Sains Malaysia. Nor Aziza Abdul Aziz, Abdullah Hj. Abdul Ghani, & Hasnizam Shaari. (2016). Issues and problems in ethical practices amongst takaful agents. International Review of Management and Marketing, 6(4), 21–26. Nunnally, J. C. (1967). Psychometric theory. New York: McGraw Hill. O’Fallon, M. J., & Butterfield, K. D. (2005). A review of the empirical ethical decision-making literature: 1996–2003. Journal of Business Ethics, 59(4), 375–413. O’Fallon, M. J., & Butterfield, K. D. (2011). The influence of unethical peer behavior on observers’ unethical behavior: A social cognitive perspective. Journal of Business Ethics, 109(2), 117–131. Oakley, J. J., Cicala, J. E., & Bush, A. (2013). Do organizational safeguards such as training, education , and compensation method influence ethical salesperson behavior? In AMA Summer Educators’ Conference Proceedings (pp. 72–81). Ojikutu, R. K., Obalola, M. A., & Omoteso, K. (2013). Assessing the relationship between sales quotas and moral judgement of insurance salespersons: The moderating effects of personal moral values, quota failure consequences, and corporate ethical climate. Journal of Emerging Trends in Economics and Management Sciences, 4(2), 274–288. Oliver, R. L., & Anderson, E. (1994). An empirical test of the consequences of behavior- and outcome-based sales control systems. Journal of Marketing, 58(4), 53–67. Ou, W.-M., Shih, C.-M., & Chen, C.-Y. (2015). Effects of ethical sales behaviour on satisfaction, trust, commitment, retention and words-of-mouth. International Journal of Commerce and Management, 25(4), 673 – 686. Ou, W.-M., Shih, C.-M., Chen, C.-Y., & Tseng, C.-W. (2012). Effects of ethical sales behaviour, expertise, corporate reputation, and performance on relationship quality and loyalty. The Service Industries Journal, 32(5), 773–787. Palanski, M., Avey, J. B., & Jiraporn, N. (2013). The effects of ethical leadership and abusive supervision on job search behaviors in the turnover process. Journal of Business Ethics, 121(1), 1–12. http://doi.org/10.1007/s10551-013-1690-6 Pallant, J. (2007). SPSS survival manual (1st ed.). England: McGraw Hill Education. Palmatier, R. W., Dant, R. P., Grewal, D., & Evans, K. R. (2006). Factors influencing the effectiveness of relationship marketing: A meta-analysis. Journal of Marketing, 70(4), 136–153. Palmer, A., & Bejou, D. (1994). Buyer - seller relationships: A conceptual model and empirical investigation. Journal of Marketing Management, 10(6), 495–512. Palmer, N. F. (2013). The effects of leader behavior on follower ethical behavior: Examining the mediating roles of ethical efficacy and moral disengagement. Disertasi Ijazah Doktor Falsafah tidak diterbitkan: University of Nebraska. Pan, Y., & Sparks, J. R. (2012). Predictors, consequence, and measurement of ethical judgments: Review and meta-analysis. Journal of Business Research, 65(1), 84– 91. Park, H. (2005). The role of idealism and relativism as dispositional characteristics in the socially responsible decision-making process. Journal of Business Ethics, 56(1), 81–98. Pennino, M. (2002). Is decision moral managers to style related among development in the U.S.? Journal of Business Ethics, 41(4), 337–347. Perkhidmatan Insurans Malaysia. (2013). ISM: Insurans Am dan Takaful Tahun 2013. Kuala Lumpur, Malaysia. Persky, D. R. (2010). The ethical orientation of advertising executives: The relationship among ethical climate, sex role identity, and selected demographic and job variable. Unpublished doctoral thesis. New York University. Peterson, D. K. (2002). The relationship between unethical behavior and the dimensions of the ethical climate questionnaire. Journal of Business Ethics, 41, 313–326. Petrocelli, J. V. (2003). Hierarchical multiple regression in counseling research: Common problem and possible remedies. Journal of Counseling & Development, 36, 9–22. Pettijohn, C. E., Keith, N. K., & Burnett, M. S. (2011). Managerial and peer influence on ethical behavioral intentions in a personal selling context. Journal of Promotion Management, 17(2), 133–147. Pettijohn, C., Pettijohn, L., & Taylor, A. J. (2008). Salesperson perceptions of ethical behaviors: Their influence on job satisfaction and turnover intentions. Journal of Business Ethics, 78(4), 547–557. Piaget, J. (1965). The moral judgement of the child. New York: The Free Press. Pierce, M. A., & Hendry, J. W. (2000). Judgements about computer ethics : Do individual,co-worker, and company judgements differ? Do company codes make a difference? Journal of Business Ethics, 28(4), 307–322. Piercy, N. F., & Lane, N. (2006). Ethical and moral dilemmas associated with strategic relationships between business-to-business Buyers and sellers. Journal of Business Ethics, 72(1), 87–102. Pousa, C., & Mathieu, A. (2014). Boosting customer orientation through coaching: A Canadian study. International Journal of Bank Marketing, 32(1), 60–81. Pressey, A. D., & Mathews, B. P. (2000). Barriers to relationship marketing in consumer retailing. Journal of Services Marketing, 14(3), 272–285. Punwatkar, S., & Verghese, M. (2014). The impact of salesperson’ s behavior on consumer’s purchase decision : An empirical study. Journal of Marketing Management, 13(2), 72–84. Puteri Nur Farah Naadia, Khairuddin Andul Rashid, Azila Ahmad, Sharina Farihah Hasan, Srazali Aripin, & Muhammad Ariffudin Arifin. (2016). Takaful : A review on performance , issues and challenges in Malaysia. Journal of Scientific Research and Development, 3(4), 71–76. Rajaobelina, L., & Bergeron, J. (2009). Antecedents and consequences of buyer-seller relationship quality in the financial services industry. International Journal of Bank Marketing, 27(5), 359–380. Rallapalli, K. C. (1994). Marketers’ norms: An empirical investigation of the influence o f personal and situational factors on marketers’ deontological norms, ethical judgments and intentions. Disertasi Ijazah Doktor Falsafah tidak diterbitkan.The University of Mississippi. Rallapalli, K. C., Vitell, S. J., & Szeinbach, S. (2000). Marketers’ norms and personal values : An empirical study of marketing professionals. Journal of Business Ethics, 24, 65–75. Ramsey, R. P., Marshall, G. W., Johnston, M. W., & Deeter-Schmelz, D. R. (2007). Ethical ideologies and older consumer perceptions of unethical sales tactics. Journal of Business Ethics, 70(2), 191–207. Rao, C. P., & Singhapakdi, S. (1997). Marketing ethics: a comparison between services and other marketing professionals. Journal of Services Marketing, 11(6), 409–426. Reidenbach, R. E., & Robin, D. P. (1988). Some initial steps toward improving the measurement of ethical evaluations of marketing activities. Journal of Business Ethics, 7(11), 871–879. Reidenbach, R. E., & Robin, D. P. (1990). Toward the development of a multidimensional scale for improving evaluations of business ethics. Journal of Business Ethics, 9(8), 639–653. Reischl, J. N. (2009). Toward a theory of morality: An empirical study of cognitive moral development in market channel dyads in the construction industry using the defining issues test. Disertasi Ijazah Doktor Falsafah tidak diterbitkan. Nova Southeastern University. Rest, J., Narvaez, D., Bebeau, M., & Thoma, S. (1999). A Neo-Kohlbergian approach : The DIT and schema theory. Educational Psychology Review, 11(4), 291–324. Rest, J. R. (1979). The impact of higher education on moral judgment development. Minnesota: University of Minnesota Press. Rest, J. R. (1986). Moral development: Advances in research and theory. New York: Praeger. Rest, J., Thoma, S., & Edwards, L. (1997). Designing and validating a measure of moral judgment: Stage preference and stage consistency approaches. Journal of Educational Psychology, 89(1), 5–28. Reynolds, S. J., & Ceranic, T. L. (2007). The effects of moral judgment and moral identity on moral behavior: an empirical examination of the moral individual. The Journal of Applied Psychology, 92(6), 1610–24. Riggle, R. J. (2007). The impact of organizational climate variables of perceived organizational support, workplace isolation, and ethical climate on salesperson psychological and behavioral work outcomes. Unpublished doctoral thesis. University of South Florida. Robin, D. P., Gordon, G., Jordan, C., & Reidenbach, R. E. (1996). The empirical performance of cognitive moral development in predicting behavioral intent. Business Ethics Quarterly, 6(4), 493. Roche, D. (2013). Ethical decision-making in private enterprise : A study of its antecedents in the sales sector. Journal of Private Enterprise, 28(2), 97–109. Román, S. (2003). The impact of ethical sales behaviour on customer satisfaction ,trust and loyalty to the company : An empirical study in the financial services industry. Journal of Marketing Management, 19, 915–939. Román, S., & Munuera, J. L. (2005). Determinants and consequences of ethical behaviour: An empirical study of salespeople. European Journal of Marketing, 39(5/6), 473–495. Román, S., & Ruiz, S. (2005). Relationship outcomes of perceived ethical sales behavior: The customer’s perspective. Journal of Business Research, 58(4), 439– 445. Ross, W. T., & Robertson, D. C. (2003). A typology of situational factors : Impact on salesperson about ethical issues. Journal of Business Ethics, 46(3), 213–234. Rust, R. T. ., & Zaborik, A. (1993). Customer satisfaction, customer retention, and market share. Journal of Retailing, 69(2), 193. Ryan, R., & Deci, E. (2000). Intrinsic and extrinsic motivations: Classic definitions and new directions. Contemporary Educational Psychology, 25, 54–67. Sabitha, M. (2005). Kaedah penyelidikan sains sosial. Kuala Lumpur, Malaysia: Prentice Hall. Sabitha Marican. (2006). Penyelidikan sains sosial: Pendekatan pragmatik. Selangor: Edusystem Sdn.Bhd. Salman, S. A. (2014). Contemporary issues in takaful (Islamic Insurance). Asian Social Science, 10(22), 201–216. Saxe, R., & Weitz, B. A. (1982). The SOCO scale: A measure of the orientation of salespeople. Journal of Marketing Research, 19(3), 343–351. Schlaefli, A., Rest, J. R.., & Thoma, S. J. . (1985). Does moral education improve moral judgment ? A meta-analysis of intervention studies using the defining issues test. Review of Educational Research, 55(3), 319–352. Schlenker, B. R., & Forsyth, D. R. (1977). On the ethics of psychological reseach. Journal of Experimental Sosial Psychology, 13(4), 369–396. Schminke, M., Arnaud, A., & Kuenzi, M. (2007). The power of ethical work climates. Organizational Dynamics, 36(2), 171–186. Schminke, M., Caldwell, J., Ambrose, M. L., & Mcmahon, S. R. (2014). Organizational behavior and human decision processes better than ever? Employee reactions to ethical failures in organizations, and the ethical recovery paradox. Organizational Behavior and Human Decision Processes, 123, 206–219. Schneider, B. (1975). Organization climates: An essay. Personnel Psychology, 28(4), 447–479. Schulte, M., Ostroff, C., & Kinicki, A. J. (2006). Organizational climate systems and psychological climate perceptions: A cross-level study of climate-satisfaction relationships. Journal of Occupational & Organizational Psychology, 79(4), 645–671. Schwepker, C., & Good, D. (2004). Sales management practices: The impact of ethics on customer orientation, employement and performance. The Marketing Management Journal, 14(2), 134–147. Schwepker, C. H. (1999). Understanding salespeople’s intention to behave unethically: The effects of perceived competitive intensity , cognitive moral development and moral judgment. Journal of Business Ethics, 21(4), 303–316.