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Showing results 332 to 351 of 1687
  • PhD_Determinants_demand-side_intention_use_Islamic_home_financing_supply-side_challenges_Zulfiqar.pdf.jpg
  • PhD


  • Authors: Zulfiqar Ali Khan (2019)

  • The aim of this research is to examine the issues and challenges of the Islamic home financing market Afghanistan as the country is facing substantial housing shortage due to its growing population and unavailability of land in the major cities where unclear land titles, lack of legal and regulatory frameworks, absence of national housing policies and foreclosure laws constituted major barriers. These problems are compounded with the lack of supply of housing finance and people's low financial capacity to take bank loans and financing. This study first examines the current Islamic banking legal and regulatory framework ...

  • item.jpg
  • PhD


  • Authors: Gamal Nassar Ali Alhamdani (2017)

  • Technology startups (TSs) are critical to develop economic capacity, support innovation and stimulate entrepreneurial spirit In a nation. As TSs embark on innovative and disruptive journeys, they face their biggest challenge: financing. This study aims to examine the determinants of financing among TSs in Malaysia while critically examining the role of Islamic Finance. The study adopts a triangulation methodological approach, which consists of questionnaire survey and semi-structured interviews. It focuses on Malaysian technology startups, entrepreneurs and their financing needs mainly at two stages: the early stage and the later stage. The study examines the following dependent varia...

  • determinants_flood_fatalities_baharom.pdf.jpg
  • Journal Article


  • Authors: Jaharudin Padli; Muzafar Shah Habibullah; Baharom Abdul Hamid (2013)

  • There is available evidence from different parts of the world that floods and storm account for about 67 percent of the natural disasters. While, earthquake, landslides, drought, extreme temperature, wildfire and volcano eruptions contribute to the remaining 23 percent. In many developing countries, the frequent occurrences of natural disasters, particularly floods are not uncommon. Yearly recurrence of floods bring devastate economies. The objective of the present study is to investigate factors that can mitigate the impact of floods on human fatalities and damages. We use a panel of 79 countries for the period of 1981-2005 and employ the two-step system GMM estimator to show...

  • Determinants _of_foreign_banking_activity_in_Malaysia_Khan_Saiful.pdf.jpg
  • Journal Article


  • Authors: Khan Masood Ahmad; Saiful Azhar Rosly (1995)

  • This paper studies the factors which determine the level of activity of foreign banks in the Malaysian economy, in the contect of the policy framework laid down by the central bank of the country. The authors conclude that, with trade financing as the the main activity of foreign banks, they did not benefit much from the growth of the economy per se. What has actually happened is that the business growth of domestic banks has been at the expense of foreign banks.

  • Phd_The_determinants_of_mission_drift_in_microfinance_and_threshold_of_outreach_financial_stability_Ashraful_Mobin.pdf.jpg
  • PhD


  • Authors: Mohammad Ashraful Mobin (2017)

  • The microfinance industry can reach the poor in large scale and yet attain profitability. To maintain these two objectives which is known as double bottom line, microfinance institutions (MFIs) have to find the right balance between financial sustainability and social performance. However, there have been considerable debates on whether the goals of the double bottom line have been compromised. It is argued that to attain profitability, MFIs have allegedly shifted away from its mandate of serving the poorest borrowers in pursuit of financial sustainability. This phenomenon is described as "mission drift" ...

  • determinants_perceived_auditor_independence_Malaysian_financially_distressed_companies_zulkarnain.pdf.jpg
  • Journal Article


  • Authors: Dharmaraj, Joyce Christina; Muhamad Sori, Zulkarnain; Mohd Saat, Nur Ashikin (2017)

  • The determinants of perceived auditor independence were identified for financially distressed companies in Malaysia. These determinants included country-specific variables such as ethnicity - specifically, of the external auditor, directors, and majority shareholders - and political connection. A survey captured the perceptions of practitioners registered with the Malaysian Institute of Accountants and the data was factor analyzed. The focus on financially distressed companies and the inclusion of country-specific variables resulted in a different combination of determinants from existing auditor independence literature.

  • PhD_Determinants_of_perceptions_of_Islamic_banks_performance_Ahmed_Abdelgadir.pdf.jpg
  • PhD


  • Authors: Ahmed Abdelgadir Elobeid Mohamed (2017)

  • This imbalance nature of Islamic bank's performance is of great concern, which motivates this research, which is to examine the determinants of the imbalance of the imbalance nature of Islamic banks' performance in Sudan. In doing so, it seeks to fulfill three main objectives, namely examining the imbalance nature of Islamic banks' performance in Sudan, examining the awareness of the policy makers and the Islamic banks' managers to this imbalance nature, and to investigate its determinants ...

  • determinants_of_performance_2728.jpg.jpg
  • Chapter in Book


  • Authors: Chowdhury, Mohammad Ashraful Ferdous; Mohd Rasid, Mohamed Eskandar Shah (2017)

  • The main objective of this study is to identify the main determinants of the Islamic banks' performance in Gulf Cooperation Council (GCC) regions. The research uses both static model (fixed effects and random effects) and Generalized method of Moments (GMM). The data for this study are obtained from the annual reports of 29 Islamic banks from GCC countries using Bankscope database for the period from 2005 to 2013. The empirical findings reveal that Islamic banks' specific factors such as the equity financing and bank size are positive and statistically significant to the profitability of Islamic banks. The operating efficiency ratio is negatively and statistically significant to retur...

  • PhD_determinants_profit_rates_true_sale_based_Islamic_financing_Safeza_Mohd_Sapian.pdf.jpg
  • PhD


  • Authors: Safeza Mohd Sapian (2016)

  • The fundamental principle of true sale is based on the ownership state of the subject matter of sale where the selling party must own the asset legally and keep full ownership of the goods before making the sale. In the riba-free system, the Islamic bank assumes a role of a trading entity. It undertakes a trading position and exposes itself to business risk as the asset is booked on its balance sheet. It follows that the profit rate it charges the customer will reflect an additional risk-premium to account for the business risk exposure ...

  • item.jpg
  • Journal Article


  • Authors: Shabeer Khan; Baharom Abdul Hamid; Mohd Ziaur Rehman (2022)

  • The purpose of this paper is to empirically investigate the determinants and the impact of financial development on shadow economy in OIC countries and then compared with non-OIC countries. The study applies advanced panel GMM technique. The study finds that macro-variables (unemployment, economic growth, money supply and foreign trade) and institutional variables reduce shadow economy both in OIC and non-OIC countries. The study also explores that financial development mitigates shadow economy; however, its impact is significantly less in case of OIC economies compared to the non-OIC countries. Since the focus of this study is OIC countries vs non-OIC countries, the research only inc...

  • item.jpg
  • Master


  • Authors: Abdullah (2017)

  • The aim of this paper is to investigate the determinants of ESG disclosure in the OIC banking sector. This study considers bank specific, governance specific and macro variables as potential determinants. By analysing 98 banks using Random Login model, the study suggests that asset size and capitalization are significantly positively associated with the disclosure of environmental and social indicators Banks with higher loan to total asset ratio are most likely to disclose their environmental and social indicators. Lower profitable banks perform better environmental and social activities compare to the higher profitable banks.

  • Determinants_of_spread_and_measuring_financial_performance_of_government_staff_personal_loans_Baharom.pdf.jpg
  • Academic Proceeding


  • Authors: Mohammed Hariri Bakri; Shafinar Ismail; Baharom Abdul Hamid; Alias Radam (2017)

  • Malaysian firms have been reported to involve in Asset-Backed Securities since 1986s where Cagamas is a pioneer. This research aims to examine the factor of influencing the primary market spread and measure financial performance of RCE Marketing as case study. Ordinary Least Square (OLS) regression analysis are applied for the study period 2007-2012. The result shows two determinants influence or contribute to the primary market spread and are statistically significant for the case study for RCE Marketing. The financial performance shows that this company is resilient during global financial crisis. RCE Marketing also shows better profitability capacity and dividend payments to their ...

  • item.jpg
  • PhD


  • Authors: Mohamed Hisham Hanifa (2015)

  • Sukuk is dominating the Malaysian capital market with strong support from the government, mega-conglomerates and firms. As an important source of firms' financing, sukuk is increasingly catching up with existing conventional debt in terms of transaction volume and the number of deals. In spite of the rising interest among issuers in sukuk offers, research to appraise firm's issuance motives and the subsequent effects on shareholders' wealth upon sukuk and conventional bond announcement remains limited. Hence, through this initial study, firstly, we examine the association of firm specific characteristics with the respective debt security principles offers ...

  • item.jpg
  • PhD


  • Authors: Mohamed Ashraf Mohamed Iqbal (2016)

  • The rapid growth in Islamic banking has been accompanied by a considerable amount of research on Islamic banks, however all of the research has been at the bank level. To the best of knowledge, no branch level studies of Islamic banks has been published to date despite the recognition that branch level analysis is more critical than bank level studies (Berger & Humphrey, 1997). An often ...

  • PhD_Determinants_of_wellbeing_Maznita_Mokhtar.pdf.jpg
  • PhD


  • Authors: Maznita Mokhtar (2017)

  • GDP, often the proxy to measure progress in policy implementations, does not fully reflect the wellbeing of a nation, although it may be one of the contributing factors. Applying an estimation model based on panel data of 22 sample countries, we illustrate that wellbeing in general can be improved with intrinsic growth, influenced by economic stability, demand composition and sectoral composition. Additionally, key economic and quality of life factors - such as, broader income distribution, lower housing prices, lower infant mortality, effective health expenditure, higher education attainment and broadband access - are significant to households ...

  • item.jpg
  • PhD


  • Authors: Muhammad Arzim Naim (2015)

  • The objective of this study is to investigate the factors affecting the rise of Shariah non-compliance risk that can bring Islamic banks to succumb to monetary loss. The study is also intent to propose a measurement of Shariah non-compliance risk via accounting technique. Subsequently, the study has also entails to identify the causal modelling of the Shariah non-compliance risk ...

  • Developing_a_waqf_market_and_reconceptualising_awqaf_governance_via_regtech_Aishath.pdf.jpg
  • Chapter in Book


  • Authors: Zakariya Mustapha; Aishath Muneeza (2020)

  • As a charitable institution, waqf is envisaged as an inherent segment of the Islamic financial services industry with potential to develop into a market for Islamic social finance. While the industry records growth and development with huge profits in its banking, takaful and capital market segments, it has been observed that pursuit of profits has overshadowed social and financial equity goals and thus disproportionately promoted in Islamic finance. Yet, waqf, with over trillion dollars' worth assets to its credit to advance these goals, is neglected and the assets left undeveloped and idle due to governance issues. Thus, eligible beneficiaries of those assets in several Muslim natio...

  • PhD_Developing_and_examining_sustainability_business_model_for_Omani_MSMEs_Fatin.pdf.jpg
  • PhD


  • Authors: Fatin Said Juma Al Zadjali (2019)

  • Sustainability has become an emerging topic that shapes how firms strategize to secure better business opportunities and financial performance. The recent increase in the number and market share of Environmental Social and Governance (ESG) and sustainable oriented firms whether large or small has intensified competition in this new industry. However, whether it pays to be sustainable in all market types is yet to be determined. The term 'one size fits all' does not apply to sustainability, since there are complexities that require addressing. The complexity of developing a model that is suitable enough to be called sustainable and legitimate enough to matter still requires intense del...

  • Developing_Islamic_finance_in_the_framework_of_maqasid_al-Shariah_Akram.pdf.jpg
  • Journal Article


  • Authors: Mohamad Akram Laldin; Hafas Furqani (2013)

  • The paper aims to investigate the dimensions of maqasid al-Shari'ah in Islamic finance by exploring the ends (maqasid) and the means (wasa'il). Those would clarify the nature and goals of Islamic finance as well as its directional development. Using literature in English and Arabic sources in the area of maqasid al-Shari'ah, as well as from the reading of the primary sources (the Qur'anic texts/nusus), the paper attempts to delineate the dimensions that would constitute the ends (maqasid) and the means (wasa'il) in Islamic finance. The paper explicates three specific ends (maqasid) in Islamic finance, namely wealth circulation, fair and transparent financial practices and justice at t...

Browsing by Title

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 332 to 351 of 1687
  • PhD_Determinants_demand-side_intention_use_Islamic_home_financing_supply-side_challenges_Zulfiqar.pdf.jpg
  • PhD


  • Authors: Zulfiqar Ali Khan (2019)

  • The aim of this research is to examine the issues and challenges of the Islamic home financing market Afghanistan as the country is facing substantial housing shortage due to its growing population and unavailability of land in the major cities where unclear land titles, lack of legal and regulatory frameworks, absence of national housing policies and foreclosure laws constituted major barriers. These problems are compounded with the lack of supply of housing finance and people's low financial capacity to take bank loans and financing. This study first examines the current Islamic banking legal and regulatory framework ...

  • item.jpg
  • PhD


  • Authors: Gamal Nassar Ali Alhamdani (2017)

  • Technology startups (TSs) are critical to develop economic capacity, support innovation and stimulate entrepreneurial spirit In a nation. As TSs embark on innovative and disruptive journeys, they face their biggest challenge: financing. This study aims to examine the determinants of financing among TSs in Malaysia while critically examining the role of Islamic Finance. The study adopts a triangulation methodological approach, which consists of questionnaire survey and semi-structured interviews. It focuses on Malaysian technology startups, entrepreneurs and their financing needs mainly at two stages: the early stage and the later stage. The study examines the following dependent varia...

  • determinants_flood_fatalities_baharom.pdf.jpg
  • Journal Article


  • Authors: Jaharudin Padli; Muzafar Shah Habibullah; Baharom Abdul Hamid (2013)

  • There is available evidence from different parts of the world that floods and storm account for about 67 percent of the natural disasters. While, earthquake, landslides, drought, extreme temperature, wildfire and volcano eruptions contribute to the remaining 23 percent. In many developing countries, the frequent occurrences of natural disasters, particularly floods are not uncommon. Yearly recurrence of floods bring devastate economies. The objective of the present study is to investigate factors that can mitigate the impact of floods on human fatalities and damages. We use a panel of 79 countries for the period of 1981-2005 and employ the two-step system GMM estimator to show...

  • Determinants _of_foreign_banking_activity_in_Malaysia_Khan_Saiful.pdf.jpg
  • Journal Article


  • Authors: Khan Masood Ahmad; Saiful Azhar Rosly (1995)

  • This paper studies the factors which determine the level of activity of foreign banks in the Malaysian economy, in the contect of the policy framework laid down by the central bank of the country. The authors conclude that, with trade financing as the the main activity of foreign banks, they did not benefit much from the growth of the economy per se. What has actually happened is that the business growth of domestic banks has been at the expense of foreign banks.

  • Phd_The_determinants_of_mission_drift_in_microfinance_and_threshold_of_outreach_financial_stability_Ashraful_Mobin.pdf.jpg
  • PhD


  • Authors: Mohammad Ashraful Mobin (2017)

  • The microfinance industry can reach the poor in large scale and yet attain profitability. To maintain these two objectives which is known as double bottom line, microfinance institutions (MFIs) have to find the right balance between financial sustainability and social performance. However, there have been considerable debates on whether the goals of the double bottom line have been compromised. It is argued that to attain profitability, MFIs have allegedly shifted away from its mandate of serving the poorest borrowers in pursuit of financial sustainability. This phenomenon is described as "mission drift" ...

  • determinants_perceived_auditor_independence_Malaysian_financially_distressed_companies_zulkarnain.pdf.jpg
  • Journal Article


  • Authors: Dharmaraj, Joyce Christina; Muhamad Sori, Zulkarnain; Mohd Saat, Nur Ashikin (2017)

  • The determinants of perceived auditor independence were identified for financially distressed companies in Malaysia. These determinants included country-specific variables such as ethnicity - specifically, of the external auditor, directors, and majority shareholders - and political connection. A survey captured the perceptions of practitioners registered with the Malaysian Institute of Accountants and the data was factor analyzed. The focus on financially distressed companies and the inclusion of country-specific variables resulted in a different combination of determinants from existing auditor independence literature.

  • PhD_Determinants_of_perceptions_of_Islamic_banks_performance_Ahmed_Abdelgadir.pdf.jpg
  • PhD


  • Authors: Ahmed Abdelgadir Elobeid Mohamed (2017)

  • This imbalance nature of Islamic bank's performance is of great concern, which motivates this research, which is to examine the determinants of the imbalance of the imbalance nature of Islamic banks' performance in Sudan. In doing so, it seeks to fulfill three main objectives, namely examining the imbalance nature of Islamic banks' performance in Sudan, examining the awareness of the policy makers and the Islamic banks' managers to this imbalance nature, and to investigate its determinants ...

  • determinants_of_performance_2728.jpg.jpg
  • Chapter in Book


  • Authors: Chowdhury, Mohammad Ashraful Ferdous; Mohd Rasid, Mohamed Eskandar Shah (2017)

  • The main objective of this study is to identify the main determinants of the Islamic banks' performance in Gulf Cooperation Council (GCC) regions. The research uses both static model (fixed effects and random effects) and Generalized method of Moments (GMM). The data for this study are obtained from the annual reports of 29 Islamic banks from GCC countries using Bankscope database for the period from 2005 to 2013. The empirical findings reveal that Islamic banks' specific factors such as the equity financing and bank size are positive and statistically significant to the profitability of Islamic banks. The operating efficiency ratio is negatively and statistically significant to retur...

  • PhD_determinants_profit_rates_true_sale_based_Islamic_financing_Safeza_Mohd_Sapian.pdf.jpg
  • PhD


  • Authors: Safeza Mohd Sapian (2016)

  • The fundamental principle of true sale is based on the ownership state of the subject matter of sale where the selling party must own the asset legally and keep full ownership of the goods before making the sale. In the riba-free system, the Islamic bank assumes a role of a trading entity. It undertakes a trading position and exposes itself to business risk as the asset is booked on its balance sheet. It follows that the profit rate it charges the customer will reflect an additional risk-premium to account for the business risk exposure ...

  • item.jpg
  • Journal Article


  • Authors: Shabeer Khan; Baharom Abdul Hamid; Mohd Ziaur Rehman (2022)

  • The purpose of this paper is to empirically investigate the determinants and the impact of financial development on shadow economy in OIC countries and then compared with non-OIC countries. The study applies advanced panel GMM technique. The study finds that macro-variables (unemployment, economic growth, money supply and foreign trade) and institutional variables reduce shadow economy both in OIC and non-OIC countries. The study also explores that financial development mitigates shadow economy; however, its impact is significantly less in case of OIC economies compared to the non-OIC countries. Since the focus of this study is OIC countries vs non-OIC countries, the research only inc...

  • item.jpg
  • Master


  • Authors: Abdullah (2017)

  • The aim of this paper is to investigate the determinants of ESG disclosure in the OIC banking sector. This study considers bank specific, governance specific and macro variables as potential determinants. By analysing 98 banks using Random Login model, the study suggests that asset size and capitalization are significantly positively associated with the disclosure of environmental and social indicators Banks with higher loan to total asset ratio are most likely to disclose their environmental and social indicators. Lower profitable banks perform better environmental and social activities compare to the higher profitable banks.

  • Determinants_of_spread_and_measuring_financial_performance_of_government_staff_personal_loans_Baharom.pdf.jpg
  • Academic Proceeding


  • Authors: Mohammed Hariri Bakri; Shafinar Ismail; Baharom Abdul Hamid; Alias Radam (2017)

  • Malaysian firms have been reported to involve in Asset-Backed Securities since 1986s where Cagamas is a pioneer. This research aims to examine the factor of influencing the primary market spread and measure financial performance of RCE Marketing as case study. Ordinary Least Square (OLS) regression analysis are applied for the study period 2007-2012. The result shows two determinants influence or contribute to the primary market spread and are statistically significant for the case study for RCE Marketing. The financial performance shows that this company is resilient during global financial crisis. RCE Marketing also shows better profitability capacity and dividend payments to their ...

  • item.jpg
  • PhD


  • Authors: Mohamed Hisham Hanifa (2015)

  • Sukuk is dominating the Malaysian capital market with strong support from the government, mega-conglomerates and firms. As an important source of firms' financing, sukuk is increasingly catching up with existing conventional debt in terms of transaction volume and the number of deals. In spite of the rising interest among issuers in sukuk offers, research to appraise firm's issuance motives and the subsequent effects on shareholders' wealth upon sukuk and conventional bond announcement remains limited. Hence, through this initial study, firstly, we examine the association of firm specific characteristics with the respective debt security principles offers ...

  • item.jpg
  • PhD


  • Authors: Mohamed Ashraf Mohamed Iqbal (2016)

  • The rapid growth in Islamic banking has been accompanied by a considerable amount of research on Islamic banks, however all of the research has been at the bank level. To the best of knowledge, no branch level studies of Islamic banks has been published to date despite the recognition that branch level analysis is more critical than bank level studies (Berger & Humphrey, 1997). An often ...

  • PhD_Determinants_of_wellbeing_Maznita_Mokhtar.pdf.jpg
  • PhD


  • Authors: Maznita Mokhtar (2017)

  • GDP, often the proxy to measure progress in policy implementations, does not fully reflect the wellbeing of a nation, although it may be one of the contributing factors. Applying an estimation model based on panel data of 22 sample countries, we illustrate that wellbeing in general can be improved with intrinsic growth, influenced by economic stability, demand composition and sectoral composition. Additionally, key economic and quality of life factors - such as, broader income distribution, lower housing prices, lower infant mortality, effective health expenditure, higher education attainment and broadband access - are significant to households ...

  • item.jpg
  • PhD


  • Authors: Muhammad Arzim Naim (2015)

  • The objective of this study is to investigate the factors affecting the rise of Shariah non-compliance risk that can bring Islamic banks to succumb to monetary loss. The study is also intent to propose a measurement of Shariah non-compliance risk via accounting technique. Subsequently, the study has also entails to identify the causal modelling of the Shariah non-compliance risk ...

  • Developing_a_waqf_market_and_reconceptualising_awqaf_governance_via_regtech_Aishath.pdf.jpg
  • Chapter in Book


  • Authors: Zakariya Mustapha; Aishath Muneeza (2020)

  • As a charitable institution, waqf is envisaged as an inherent segment of the Islamic financial services industry with potential to develop into a market for Islamic social finance. While the industry records growth and development with huge profits in its banking, takaful and capital market segments, it has been observed that pursuit of profits has overshadowed social and financial equity goals and thus disproportionately promoted in Islamic finance. Yet, waqf, with over trillion dollars' worth assets to its credit to advance these goals, is neglected and the assets left undeveloped and idle due to governance issues. Thus, eligible beneficiaries of those assets in several Muslim natio...

  • PhD_Developing_and_examining_sustainability_business_model_for_Omani_MSMEs_Fatin.pdf.jpg
  • PhD


  • Authors: Fatin Said Juma Al Zadjali (2019)

  • Sustainability has become an emerging topic that shapes how firms strategize to secure better business opportunities and financial performance. The recent increase in the number and market share of Environmental Social and Governance (ESG) and sustainable oriented firms whether large or small has intensified competition in this new industry. However, whether it pays to be sustainable in all market types is yet to be determined. The term 'one size fits all' does not apply to sustainability, since there are complexities that require addressing. The complexity of developing a model that is suitable enough to be called sustainable and legitimate enough to matter still requires intense del...

  • Developing_Islamic_finance_in_the_framework_of_maqasid_al-Shariah_Akram.pdf.jpg
  • Journal Article


  • Authors: Mohamad Akram Laldin; Hafas Furqani (2013)

  • The paper aims to investigate the dimensions of maqasid al-Shari'ah in Islamic finance by exploring the ends (maqasid) and the means (wasa'il). Those would clarify the nature and goals of Islamic finance as well as its directional development. Using literature in English and Arabic sources in the area of maqasid al-Shari'ah, as well as from the reading of the primary sources (the Qur'anic texts/nusus), the paper attempts to delineate the dimensions that would constitute the ends (maqasid) and the means (wasa'il) in Islamic finance. The paper explicates three specific ends (maqasid) in Islamic finance, namely wealth circulation, fair and transparent financial practices and justice at t...