Browsing by Topic Islamic banking

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Showing results 137 to 146 of 172
  • item.jpg
  • Journal Article


  • Authors: Hasan, Zubair (2013)

  • This paper responds to the criticism of the Zubair Diminishing Balance model for Islamic home financing that Ahmad Kameel Meera published in the ISRA Journal. The response argues that most of the comments of Meera are frivolous and misplaced. It reiterates that the ZDBM is much different from other models; it is cheaper for the customer without being costlier to the bank. more efficient in resource allocation and improves liquidity in the financial system. However, the mathematical appendix is a positive contribution of the paper.

  • risk_and_regulations.pdf.jpg
  • Book


  • Authors: Lewis, Mervyn K.; Ariff, Mohamed; Ramadili Mohd, Shamsher Mohamad (2014)

  • From a single product offering in 1963, the Islamic financial services industry has grown to an estimated $1.6 trillion in assets. Products must comply with profit and risk-sharing criteria and regulations preventing banks from venturing into activities with high risk and excessive uncertainty. This timely volume analyses these matters and considers the range of new products, discussing both conceptual and practical dimensions. Available in physical copy and ebook (Call Number: HG 3368 A6 R595L)

  • PhD_Risk_shifting_and_Islamic_banking_Alaa_Alaabed.pdf.jpg
  • PhD


  • Authors: Alaabed, Alaa (2015)

  • Risk shifting is, axiomatically, absent in an ideal Islamic banking system, where equity holders are expected to share assets' upside and downside potential with investment account holders (depositors). The Islamic banking model, thus, provides unique paradigm with risk sharing at its core. However, the present formation of Islamic banking has grown out of conventional banking and uses many of its techniques and instruments. Whereas significant research has delineated the theoretical foundations of Islamic banking and its axiomatic characteristics, empirical assessment of the implications of present form Islamic banking is relatively limited and often focused on issues of efficiency, ...

  • risk_return_analysis_islamic_banks_investment_deposit_shareholders_fund_saiful.pdf.jpg
  • Journal Article


  • Authors: Rosly, Saiful Azhar; Mohd. Zaini, Mohammad Ashadi (2008)

  • The purpose of this paper is to study the differences or variance in the yields of Islamic and conventional bank deposits and capital, respectively, in view of their contractual differences, namely the former which is based on equity and the latter on debt. The paper uses a financial ratio approach. It was found that deposit yields in conventional banks were lower than return on equity (ROE), which truly reflect the contractual differences between fixed deposit and bank's capital. Also, it was found that Islamic banks' deposit yield and ROEs do not reflect their risk-taking properties, as their variances were found to be smaller.

  • risk_sharing_financing_of_Islamic_banks_better_shielded_against_interest_rate risk_mansur.pdf.jpg
  • Journal Article


  • Authors: Seho, Mirzet; Alaabed, Alaa; Mohammed Masih, Abul Mansur (2016)

  • In theory, Risk Sharing-based Financing (RSF) is considered a corner stone of Islamic finance. It is argued to render Islamic banks more resilient to shocks. In practice, however, this feature of Islamic financial products is almost negligible. Instead, debt based instruments, with conventional like features, have overwhelmed the nascent industry. In addition, the framework of present-day economic, regulatory and financial reality inevitably exposes Islamic banks in dual banking systems to problems of conventional banks. This includes, but is not limited to, interest rate risk. Empirical evidence has, thus far, confirmed such exposures, despite Islamic banks' interest free operations....

  • risk_sharing_financing_islamic_banks_better_shielded_against_interest_rate_risk_mm.pdf.jpg
  • Journal Article


  • Authors: Seho, Mirzet; Alaabed, Alaa; Mohammed Masih, Abul Mansur (2016)

  • In theory, risk sharing based Financing (RSF) is considered a corner stone of Islamic finance. It is argued to render Islamic banks more resilient to shocks. In practice, however thus feature of Islamic financial products is almost negligible. Instead, debt-based instrument, with conventional like features, have overwhelmed the nascent industry. In addition, the framework of present-day economic, regulatory and financial reality inevitable exposes Islamic banks in dual banking systems to problems of conventional banks. This includes, but is not limited to, interest risk rate. Empirical evidence has, thus far, confirmed such exposures, despite Islamic bank's interest-free operations. T...

  • risk_taking_behavior_capital_adequacy_mixed_banking_system_hishamuddin_buerhan_saiful_mansur.pdf.jpg
  • Journal Article


  • Authors: Abdul Wahab, Hishamuddin; Saiti, Buerhan; Rosly, Saiful Azhar; Mohammed Masih, Abul Mansur (2017)

  • This study is the first attempt to investigate the relationship between the level of risky assets and capital level in a mixed Malaysian banking system covering 83 months starting December 2006. The results of dynamic OLS (DOLS) indicate positive relationship between capital ratio (CAR) and risk weighted asset ratio (RWA) in the long run. Furthermore, the causality analysis based on panel VECM and two-step dynamic System GMM indicates unidirectional causality from CAR to RWA. Our results further suggest that higher capital growth and capital buffer provide an extra cushion for the Malaysian banks to pursue relatively riskier financial activities, and the nature of risk taking behavior...

  • item.jpg
  • Master


  • Authors: Mahmood Sanusi, Ilham (2017)

  • This study attempts to investigate the aggressive and highly risky financing behaviour of Islamic banks operating in Malaysia. Particular reference was given to Islamic banks' credit risk-weighted assets for the purpose of determining the state of aggressive risk-taking behaviour in relation to the level of debt financing undertaken. 15 Islamic banks operating in Malaysia were examined over a short period of four years from 2013 - 2016; primarily due to limitations afforded by Pillar 3 Disclosure availabilities. Regulatory guidelines were assessed via the Bank Negara Malaysia (BNM) 2015 Capital Adequacy Framework for Islamic Banking (CAFIB) in attempt to ... Available in physical ...

  • role_of_policymakers_in_introducing_islamic_banking_and_finance_aishath.pdf.jpg
  • Academic Presentation


  • Authors: Muneeza, Aishath (2016)

  • Islamic banking and finance is not a new concept in the world today. Irrespective of the faith convictions and the religious beliefs of jurisdictions, Islamic banking and finance is a concept that has been assepted and promoted as an economic system that is beneficial to the mankind. The objective of this research is to discusss the importance of policymakers in introducing Islamic banking and finance to jurisdictions and ways in which they could facilitate the development of it.

Browsing by Topic Islamic banking

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 137 to 146 of 172
  • item.jpg
  • Journal Article


  • Authors: Hasan, Zubair (2013)

  • This paper responds to the criticism of the Zubair Diminishing Balance model for Islamic home financing that Ahmad Kameel Meera published in the ISRA Journal. The response argues that most of the comments of Meera are frivolous and misplaced. It reiterates that the ZDBM is much different from other models; it is cheaper for the customer without being costlier to the bank. more efficient in resource allocation and improves liquidity in the financial system. However, the mathematical appendix is a positive contribution of the paper.

  • risk_and_regulations.pdf.jpg
  • Book


  • Authors: Lewis, Mervyn K.; Ariff, Mohamed; Ramadili Mohd, Shamsher Mohamad (2014)

  • From a single product offering in 1963, the Islamic financial services industry has grown to an estimated $1.6 trillion in assets. Products must comply with profit and risk-sharing criteria and regulations preventing banks from venturing into activities with high risk and excessive uncertainty. This timely volume analyses these matters and considers the range of new products, discussing both conceptual and practical dimensions. Available in physical copy and ebook (Call Number: HG 3368 A6 R595L)

  • PhD_Risk_shifting_and_Islamic_banking_Alaa_Alaabed.pdf.jpg
  • PhD


  • Authors: Alaabed, Alaa (2015)

  • Risk shifting is, axiomatically, absent in an ideal Islamic banking system, where equity holders are expected to share assets' upside and downside potential with investment account holders (depositors). The Islamic banking model, thus, provides unique paradigm with risk sharing at its core. However, the present formation of Islamic banking has grown out of conventional banking and uses many of its techniques and instruments. Whereas significant research has delineated the theoretical foundations of Islamic banking and its axiomatic characteristics, empirical assessment of the implications of present form Islamic banking is relatively limited and often focused on issues of efficiency, ...

  • risk_return_analysis_islamic_banks_investment_deposit_shareholders_fund_saiful.pdf.jpg
  • Journal Article


  • Authors: Rosly, Saiful Azhar; Mohd. Zaini, Mohammad Ashadi (2008)

  • The purpose of this paper is to study the differences or variance in the yields of Islamic and conventional bank deposits and capital, respectively, in view of their contractual differences, namely the former which is based on equity and the latter on debt. The paper uses a financial ratio approach. It was found that deposit yields in conventional banks were lower than return on equity (ROE), which truly reflect the contractual differences between fixed deposit and bank's capital. Also, it was found that Islamic banks' deposit yield and ROEs do not reflect their risk-taking properties, as their variances were found to be smaller.

  • risk_sharing_financing_of_Islamic_banks_better_shielded_against_interest_rate risk_mansur.pdf.jpg
  • Journal Article


  • Authors: Seho, Mirzet; Alaabed, Alaa; Mohammed Masih, Abul Mansur (2016)

  • In theory, Risk Sharing-based Financing (RSF) is considered a corner stone of Islamic finance. It is argued to render Islamic banks more resilient to shocks. In practice, however, this feature of Islamic financial products is almost negligible. Instead, debt based instruments, with conventional like features, have overwhelmed the nascent industry. In addition, the framework of present-day economic, regulatory and financial reality inevitably exposes Islamic banks in dual banking systems to problems of conventional banks. This includes, but is not limited to, interest rate risk. Empirical evidence has, thus far, confirmed such exposures, despite Islamic banks' interest free operations....

  • risk_sharing_financing_islamic_banks_better_shielded_against_interest_rate_risk_mm.pdf.jpg
  • Journal Article


  • Authors: Seho, Mirzet; Alaabed, Alaa; Mohammed Masih, Abul Mansur (2016)

  • In theory, risk sharing based Financing (RSF) is considered a corner stone of Islamic finance. It is argued to render Islamic banks more resilient to shocks. In practice, however thus feature of Islamic financial products is almost negligible. Instead, debt-based instrument, with conventional like features, have overwhelmed the nascent industry. In addition, the framework of present-day economic, regulatory and financial reality inevitable exposes Islamic banks in dual banking systems to problems of conventional banks. This includes, but is not limited to, interest risk rate. Empirical evidence has, thus far, confirmed such exposures, despite Islamic bank's interest-free operations. T...

  • risk_taking_behavior_capital_adequacy_mixed_banking_system_hishamuddin_buerhan_saiful_mansur.pdf.jpg
  • Journal Article


  • Authors: Abdul Wahab, Hishamuddin; Saiti, Buerhan; Rosly, Saiful Azhar; Mohammed Masih, Abul Mansur (2017)

  • This study is the first attempt to investigate the relationship between the level of risky assets and capital level in a mixed Malaysian banking system covering 83 months starting December 2006. The results of dynamic OLS (DOLS) indicate positive relationship between capital ratio (CAR) and risk weighted asset ratio (RWA) in the long run. Furthermore, the causality analysis based on panel VECM and two-step dynamic System GMM indicates unidirectional causality from CAR to RWA. Our results further suggest that higher capital growth and capital buffer provide an extra cushion for the Malaysian banks to pursue relatively riskier financial activities, and the nature of risk taking behavior...

  • item.jpg
  • Master


  • Authors: Mahmood Sanusi, Ilham (2017)

  • This study attempts to investigate the aggressive and highly risky financing behaviour of Islamic banks operating in Malaysia. Particular reference was given to Islamic banks' credit risk-weighted assets for the purpose of determining the state of aggressive risk-taking behaviour in relation to the level of debt financing undertaken. 15 Islamic banks operating in Malaysia were examined over a short period of four years from 2013 - 2016; primarily due to limitations afforded by Pillar 3 Disclosure availabilities. Regulatory guidelines were assessed via the Bank Negara Malaysia (BNM) 2015 Capital Adequacy Framework for Islamic Banking (CAFIB) in attempt to ... Available in physical ...

  • role_of_policymakers_in_introducing_islamic_banking_and_finance_aishath.pdf.jpg
  • Academic Presentation


  • Authors: Muneeza, Aishath (2016)

  • Islamic banking and finance is not a new concept in the world today. Irrespective of the faith convictions and the religious beliefs of jurisdictions, Islamic banking and finance is a concept that has been assepted and promoted as an economic system that is beneficial to the mankind. The objective of this research is to discusss the importance of policymakers in introducing Islamic banking and finance to jurisdictions and ways in which they could facilitate the development of it.