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The objective of the study is to examine the relationship between knowledge, religiosity and experience, and the behavior of employee provident fund (EPF) investors investing in Islamic and conventional unit trusts. The variables are extracted from the literature to achieve the objective. Additionally, 125 valid responses were composed through surveys of Malaysian government and private employees. The Statistical Package for Social Sciences has been applied to analyze the collected data, using correlation analysis techniques. This research found that knowledge about Islamic unit trusts and religious beliefs have a positive significant relationship with the EPF investors’ behavior of investing in Islamic unit trusts. Moreover, the experience of investing in Islamic and conventional unit trusts is also positively and significantly associated with the EPF investors’ behavior of investing in Islamic and conventional unit trusts, respectively. As research in this area is insufficient, this study will play a vital role for the unit trust industry in exploiting the financial strategies that are highly and positively observed by Malaysian EPF investors.

The major goal of this study is to ascertain the level of ethnocentrism to which Afghan consumers exhibit these tendencies when purchasing products from other countries as well as how their attitudes affect their intention to buy foreign items. It also aims to determine whether gender, marital status and visiting other countries have moderating role or not. Data were collected from 180 respondents in Kabul city, Afghanistan. Descriptive statistics and the structural equation model were used to examine the participant's demographic traits and to test the research Hypotheses. The result of this study shows that Afghan consumers are highly ethnocentric in consuming foreign products. As Afghanistan is an underdeveloped country, Afghan consumers usually evaluate the products and brands of their own countries as inferior to the products and brands of developed countries, and therefore, despite their ethnocentrism, they prefer foreign products. Additionally, gender, marital status and visiting other countries have moderating effects on the variables.