Browsing by Topic Islamic banking

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Showing results 18 to 27 of 165
  • capital_adequacy_lending_deposit_behaviours_conventional_islamic_banks_shamser.pdf.jpg
  • Journal Article


  • Authors: Abdul Karim, Mastura; Hassan, M. Kabir; Hassan, Taufiq; Ramadili Mohd, Shamsher Mohamad (2014)

  • Capital adequacy plays an important role in determining banking activities. A bank must hold a minimum level of capital to ensure sufficient funds to buffer against unexpected losses or adverse shocks. This study analyzes and compares Islamic and conventional banks in 14 Organization of Islamic Conference (OIC) countries from 1999 to 2009. The empirical evidence suggests that capital requirements have a significant impact on the deposit and lending behaviors of the 52 Islamic banks (IBs) and 186 conventional banks (CBs) in the sample. There is a strong positive relationship between capital requirements and deposit and loan growth for both IBs and CBs

  • case_universal_banking_component_Islamic_banking_mabid.pdf.jpg
  • Journal Article


  • Authors: Mahmoud Al-Jarhi, Mabid Ali Mohamed (2005)

  • Universal banking is one of the main components of Islamic banking. Islamic banks provide finance to enterprises through either sharing directly in the net results of their activities or financing their purchases of assets, goods and services on credit. We can therefore expect Islamic banks to hold equity in corporations and sit on their boards of directors. This paper aims to put forward the case of universal banking as a part of Islamic banking. A large amount of literature is surveyed that comes from banking theory, macroeconomic and monetary theory, as well as empirical studies about banking practices. The conclusion is that universal banking on its own is a sound practice that ca...

  • a_case_study_default_Islamic_financing_facilities_Malaysian_perspective_aishath.pdf.jpg
  • Chapter in Book


  • Authors: Muneeza, Aishath (2019)

  • Default can occur in Islamic banking. As the law applicable to Islamic banking is derived from Shariah, it is imperative to check whether the current practice of Islamic banks in default aligns with Shariah. The objective of this chapter is to discuss the rules and procedures Islamic banks in Malaysia follow in case of default. This is a qualitative research where data from primary sources such as laws on the matter are extracted to derive conclusions and secondary sources such as case laws and other published materials in the subject matter are explored. It is anticipated that the outcome of this chapter will assist to comprehend the way in which Islamic banks deal in case of default...

  • clash_of_convictions_conventional_banking_islamic_banking_aishath.PDF.jpg
  • Journal Article


  • Authors: Muneeza, Aishath; Wisham, Ismail; Hassan, Rusni (2010)

  • Malaysia is a religiously and ethnically versatile country with a dual legal structure. Essentially, Malaysia's banking system is plural and thus, two different sets of legal systems work at the same time. The semi-permanent conventional banking system has been leveled off by the Islamic banking system which emerged only in 1983. Whether accepted or not, the dual system which emerged only in 1983. Whether accepted or not, the dual system in the society has created challenges and clashes between the two, and these must be addressed and dealt with properly, so as to trim down such clashes to a minimum. Several quarrels exist between conventional and Islamic banking laws; some which aris...

  • PhD_competition_stability_relationship_dual_banking_systems_Mhd_Moutaz.pdf.jpg
  • PhD


  • Authors: Abojeib, Mhd Moutaz (2017)

  • Numerous attempts have been made to study the impact of competition on banking-stability before and after the recent global financial crisis. In the rich theoretical and empirical literature on the topic, two contradictory views have surfaced, i.e. the competition-fragility view and the competition-stability view. This thesis provides empirical evidence of a nonlinear relationship between competition and stability that explains, at least partially, the conflicting results of previous theoretical and empirical studies. Furthermore, while the existing literature focuses on conventional banking, this thesis investigates both Islamic and conventional banks in dual banking systems and expl...

  • CIAWM_Issue3_corporate_ethical_identity_disclosure_anouar.pdf.jpg
  • Newsletter & Bulletin


  • Authors: Gadhoum, Mohamed Anouar (2017)

  • The importance of ethics in the corporate world has received much attention in the 21st century, after a series of major financial fiascos. In fact, most of the performance of companies in the market have a new dimension of qualitative analysis besides the usual financial analysis that generate quantitative information to ascertain their performance (Guthrie and Farneti, 2008). Dhaliwal et al. (2011) point out that greater disclosure and transparency alighned with non-financial disclosures (social, ethical and environmental) play a complimentary role to financial transparency, leading to lower analyst forecaset errors. Therefore, a more objective assessment of expected financial perfo...

  • corporate_ethical_identity_disclosures_perceived_publicized_applied_islamic_banks_bello.pdf.jpg
  • Journal Article


  • Authors: Abdul Rahman, Rashidah; Danbatta, Bello Lawal; Saimi, Nur Syatilla (2014)

  • The public’s perception about Islamic banks is that, they are ethical banks founded on religious precepts hence; they would be more transparent when compared to conventional banks, but our preliminary studies proves that perception to be wrong. This paper examines the levels of expected and actual ethical identity disclosures by Islamic banks using various dimensions of ethical identity disclosures for 21 banks in Bahrain and Malaysia. The main source of data is the annual reports of each bank for five consecutive years, 2007 to 2011. Data collected were analyzed using Ethical Identity Index (EII) model and Descriptive Analysis. Based on EII analysis, we found that, the aggregate actu...

  • credit creation and control_zubair.pdf.jpg
  • Chapter in Book


  • Authors: Hasan, Zubair (2010)

  • Purpose - To reopen for discussion the issue of credit creation and control in the area of Islamic banking. Design/methodology/approach - In view of a rapid expansion of Islamic banking in recent decades, the answer to questions whether Islamic banks can create credit like mainstream banks and, if yes, what methods central banks could use to control it in their case is of paramount importance. An overview of the literature on the subject is provided and credit creation process is explained as background material for the discussion. Findings - The literature on the subject is scanty, controversial and inconclusive. One reason seems to be the mismatch between structural design of Islami...

  • credit_risk_sharing_Islamic_banking_case_Islamic_deposits_investment_accounts_Malaysia_saiful.pdf.jpg
  • Journal Article


  • Authors: Rosly, Saiful Azhar (2016-08-04)

  • This paper argues that the introduction of the investment account (IA) in Islamic banking amongst others should reduce potential Shariah non-compliance risk arising from the disproportionate distribution of income to depositors and banks. While impairment expenses are changed to depositors, the returns on mudaraba deposits (ROMD) do not seem to favour depositors as the ROMD has been consistently lower than returns on equity (ROE) despite evidencing some form of credit-risk sharing between banks and mudaraba depositors as outlined by Framework of Rate of Return of Bank Negara Malaysia. When investment accounts are channeled to fund murabaha transactions, the credit risk should be solel...

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 18 to 27 of 165
  • capital_adequacy_lending_deposit_behaviours_conventional_islamic_banks_shamser.pdf.jpg
  • Journal Article


  • Authors: Abdul Karim, Mastura; Hassan, M. Kabir; Hassan, Taufiq; Ramadili Mohd, Shamsher Mohamad (2014)

  • Capital adequacy plays an important role in determining banking activities. A bank must hold a minimum level of capital to ensure sufficient funds to buffer against unexpected losses or adverse shocks. This study analyzes and compares Islamic and conventional banks in 14 Organization of Islamic Conference (OIC) countries from 1999 to 2009. The empirical evidence suggests that capital requirements have a significant impact on the deposit and lending behaviors of the 52 Islamic banks (IBs) and 186 conventional banks (CBs) in the sample. There is a strong positive relationship between capital requirements and deposit and loan growth for both IBs and CBs

  • case_universal_banking_component_Islamic_banking_mabid.pdf.jpg
  • Journal Article


  • Authors: Mahmoud Al-Jarhi, Mabid Ali Mohamed (2005)

  • Universal banking is one of the main components of Islamic banking. Islamic banks provide finance to enterprises through either sharing directly in the net results of their activities or financing their purchases of assets, goods and services on credit. We can therefore expect Islamic banks to hold equity in corporations and sit on their boards of directors. This paper aims to put forward the case of universal banking as a part of Islamic banking. A large amount of literature is surveyed that comes from banking theory, macroeconomic and monetary theory, as well as empirical studies about banking practices. The conclusion is that universal banking on its own is a sound practice that ca...

  • a_case_study_default_Islamic_financing_facilities_Malaysian_perspective_aishath.pdf.jpg
  • Chapter in Book


  • Authors: Muneeza, Aishath (2019)

  • Default can occur in Islamic banking. As the law applicable to Islamic banking is derived from Shariah, it is imperative to check whether the current practice of Islamic banks in default aligns with Shariah. The objective of this chapter is to discuss the rules and procedures Islamic banks in Malaysia follow in case of default. This is a qualitative research where data from primary sources such as laws on the matter are extracted to derive conclusions and secondary sources such as case laws and other published materials in the subject matter are explored. It is anticipated that the outcome of this chapter will assist to comprehend the way in which Islamic banks deal in case of default...

  • clash_of_convictions_conventional_banking_islamic_banking_aishath.PDF.jpg
  • Journal Article


  • Authors: Muneeza, Aishath; Wisham, Ismail; Hassan, Rusni (2010)

  • Malaysia is a religiously and ethnically versatile country with a dual legal structure. Essentially, Malaysia's banking system is plural and thus, two different sets of legal systems work at the same time. The semi-permanent conventional banking system has been leveled off by the Islamic banking system which emerged only in 1983. Whether accepted or not, the dual system which emerged only in 1983. Whether accepted or not, the dual system in the society has created challenges and clashes between the two, and these must be addressed and dealt with properly, so as to trim down such clashes to a minimum. Several quarrels exist between conventional and Islamic banking laws; some which aris...

  • PhD_competition_stability_relationship_dual_banking_systems_Mhd_Moutaz.pdf.jpg
  • PhD


  • Authors: Abojeib, Mhd Moutaz (2017)

  • Numerous attempts have been made to study the impact of competition on banking-stability before and after the recent global financial crisis. In the rich theoretical and empirical literature on the topic, two contradictory views have surfaced, i.e. the competition-fragility view and the competition-stability view. This thesis provides empirical evidence of a nonlinear relationship between competition and stability that explains, at least partially, the conflicting results of previous theoretical and empirical studies. Furthermore, while the existing literature focuses on conventional banking, this thesis investigates both Islamic and conventional banks in dual banking systems and expl...

  • CIAWM_Issue3_corporate_ethical_identity_disclosure_anouar.pdf.jpg
  • Newsletter & Bulletin


  • Authors: Gadhoum, Mohamed Anouar (2017)

  • The importance of ethics in the corporate world has received much attention in the 21st century, after a series of major financial fiascos. In fact, most of the performance of companies in the market have a new dimension of qualitative analysis besides the usual financial analysis that generate quantitative information to ascertain their performance (Guthrie and Farneti, 2008). Dhaliwal et al. (2011) point out that greater disclosure and transparency alighned with non-financial disclosures (social, ethical and environmental) play a complimentary role to financial transparency, leading to lower analyst forecaset errors. Therefore, a more objective assessment of expected financial perfo...

  • corporate_ethical_identity_disclosures_perceived_publicized_applied_islamic_banks_bello.pdf.jpg
  • Journal Article


  • Authors: Abdul Rahman, Rashidah; Danbatta, Bello Lawal; Saimi, Nur Syatilla (2014)

  • The public’s perception about Islamic banks is that, they are ethical banks founded on religious precepts hence; they would be more transparent when compared to conventional banks, but our preliminary studies proves that perception to be wrong. This paper examines the levels of expected and actual ethical identity disclosures by Islamic banks using various dimensions of ethical identity disclosures for 21 banks in Bahrain and Malaysia. The main source of data is the annual reports of each bank for five consecutive years, 2007 to 2011. Data collected were analyzed using Ethical Identity Index (EII) model and Descriptive Analysis. Based on EII analysis, we found that, the aggregate actu...

  • credit creation and control_zubair.pdf.jpg
  • Chapter in Book


  • Authors: Hasan, Zubair (2010)

  • Purpose - To reopen for discussion the issue of credit creation and control in the area of Islamic banking. Design/methodology/approach - In view of a rapid expansion of Islamic banking in recent decades, the answer to questions whether Islamic banks can create credit like mainstream banks and, if yes, what methods central banks could use to control it in their case is of paramount importance. An overview of the literature on the subject is provided and credit creation process is explained as background material for the discussion. Findings - The literature on the subject is scanty, controversial and inconclusive. One reason seems to be the mismatch between structural design of Islami...

  • credit_risk_sharing_Islamic_banking_case_Islamic_deposits_investment_accounts_Malaysia_saiful.pdf.jpg
  • Journal Article


  • Authors: Rosly, Saiful Azhar (2016-08-04)

  • This paper argues that the introduction of the investment account (IA) in Islamic banking amongst others should reduce potential Shariah non-compliance risk arising from the disproportionate distribution of income to depositors and banks. While impairment expenses are changed to depositors, the returns on mudaraba deposits (ROMD) do not seem to favour depositors as the ROMD has been consistently lower than returns on equity (ROE) despite evidencing some form of credit-risk sharing between banks and mudaraba depositors as outlined by Framework of Rate of Return of Bank Negara Malaysia. When investment accounts are channeled to fund murabaha transactions, the credit risk should be solel...