Browsing by Author Mirzet Seho

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  • CIAWM_Issue3_does_diversification_improve_bank_performance_in_dual_banking_systems_mirzet.pdf.jpg
  • Newsletter & Bulletin


  • Authors: Mirzet Seho (2018)

  • Conventional intermediation theories argue that imperfections in financial markets are raison d'etre for financial intermediaries such as banks. Islamic banks are no different from their conventional counterparts in this regard as they too perform similar intermediary functions. However, unlike their conventional counterparts, the principles of Islamic banks are different as they are operated on Shariah-based precepts of riba avoidance and risk sharing. In practice, however, Islamic banks are claimed to be likened to conventional banks, which raises concerns about possible convergence of these two banking systems over time.

  • Does_sectoral_diversification_of_loans_financing_improve_bank_returns_Mansor et al.pdf.jpg
  • Journal Article


  • Authors: Mirzet Seho; Mansor H. Ibrahim; Abbas Mirakhor (2021)

  • This paper investigates the effects of sectoral diversification of loans and financing on the risk and the returns of banks in dual-banking systems. We employ the system GMM estimator on a unique panel data of 46 Islamic and 60 conventional banks from six countries over the period 2000-2015. Our findings reveal that sectoral diversification of loans and financing reduces the returns and increases the risk of both Islamic and conventional banks; the impact of sectoral diversification on returns varies across risk levels, with negative effects at low- and no effect at moderate- and high-risk levels; the difference between the impacts on Islamic and conventional banks across risk levels ...

Browsing by Author Mirzet Seho

Jump to: 0-9 A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
or enter first few letters:  
Showing results 1 to 2 of 2
  • CIAWM_Issue3_does_diversification_improve_bank_performance_in_dual_banking_systems_mirzet.pdf.jpg
  • Newsletter & Bulletin


  • Authors: Mirzet Seho (2018)

  • Conventional intermediation theories argue that imperfections in financial markets are raison d'etre for financial intermediaries such as banks. Islamic banks are no different from their conventional counterparts in this regard as they too perform similar intermediary functions. However, unlike their conventional counterparts, the principles of Islamic banks are different as they are operated on Shariah-based precepts of riba avoidance and risk sharing. In practice, however, Islamic banks are claimed to be likened to conventional banks, which raises concerns about possible convergence of these two banking systems over time.

  • Does_sectoral_diversification_of_loans_financing_improve_bank_returns_Mansor et al.pdf.jpg
  • Journal Article


  • Authors: Mirzet Seho; Mansor H. Ibrahim; Abbas Mirakhor (2021)

  • This paper investigates the effects of sectoral diversification of loans and financing on the risk and the returns of banks in dual-banking systems. We employ the system GMM estimator on a unique panel data of 46 Islamic and 60 conventional banks from six countries over the period 2000-2015. Our findings reveal that sectoral diversification of loans and financing reduces the returns and increases the risk of both Islamic and conventional banks; the impact of sectoral diversification on returns varies across risk levels, with negative effects at low- and no effect at moderate- and high-risk levels; the difference between the impacts on Islamic and conventional banks across risk levels ...