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 32 to 41 of 183
  • item.jpg
  • PhD


  • Authors: Lokman @ Yusop, Azarahiah (2018)

  • Bank financing is an important external source of financing for SMEs. However, banks often considered SMEs as riskier than large enterprises and therefore use various tools to mitigate their risks in SME lending / financing such as imposing collateral requirement, higher pricing and credit rationing. This may limit access to finance for the SMEs. By understanding SME default risk better, banks may reduce or eliminate the collateral requirement, lower the pricing or avoid credit rationing thus improving access to finance for the SMEs. Studies have considered various risk factors and their impact on default. However, none, to the best of my knowledge has considered religion as a risk fa...

  • Demystifying_small_and_medium_enterprises_adam_ndieye_et_al.pdf.jpg
  • Journal Article


  • Authors: Ndiaye, Ndeye Djiba; Abdul Razak, Lutfi; Nagayev, Ruslan; Ng, Adam Boon Ka (2018)

  • Applying the General-to-Specific modelling on World Bank Enterprise Survey data for 266 economies, this paper models five performance indicators based on 80 potential factors derived from firm characteristics, finance, informality, infrastructure, innovation, technology, regulation, taxes, trade and workforce concerning small and medium enterprises (SMEs). We find that the factors vary regarding statistical significance and magnitude between small and medium enterprises. For example, the percent of firms using e-mail to interact with clients/suppliers has a positive effect on the annual employment growth of medium enterprises, but not the case of small enterprises. The proportion of i...

  • determinants_driving_bank_performance_poi_shamsher_ariff.pdf.jpg
  • Journal Article


  • Authors: Poi, Hun Sun; Ramadili Mohd, Shamsher Mohamad; Ariff, Mohamed (2017)

  • This paper extracts key variables from documented findings on bank intermediation margins of two types of banks in the Organisation of Islamic Countries. The intermediation margins used as the dependent variable are: net interest margins of conventional banks and the net profit margins of Islamic banks. To overcome the endogeneity issue of variables, an appropriate econometric procedure namely the dynamic Generalized Method of Moments is applied using data from 105 commercial banks over 14 years. The results are interesting: there is a significant difference in the margins across the two types of banks, 2.17% and 1.61% respectively. Capital adequacy, management quality, and diversific...

  • item.jpg
  • Master


  • Authors: Mobin, Mohammad Ashraful (2015)

  • The ability of banks in giving out loans and investments depends very much on their ability of attracting deposits. Unlike its conventional counterpart, Islamic principles forbid Islamic banks to take any interest-related income amid the fact that deposits are an important source of fund for its operational and financing. Consequently, the risk of deposit withdrawal by depositors is an important aspect that should be well managed in both conventional and Islamic banking system. Therefore, the objective of this study is to examine the effect of selected economic and bank specific variables on deposits placed at the Islamic and conventional banks ...

  • PhD_Determinants_of_perceptions_of_Islamic_banks_performance_Ahmed_Abdelgadir.pdf.jpg
  • PhD


  • Authors: Elobeid Mohamed, Ahmed Abdelgadir (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: Mohd Sapian, Safeza (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
  • 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. Available in physical copy only (Call Number: t HG 3368...

  • item.jpg
  • PhD


  • Authors: Mohamed Iqbal, Mohamed Ashraf (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 ...

  • development_needs_of_the_islamic_banking_industry.pdf.jpg
  • Chapter in Book


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

  • In this concluding chapter, we summarize of the main themes and ideas in the preceding chapters before considering the challenges the Islamic financial services industry is facing in the second decade of the twenty-first century. The first contribution of this book is that we have sought to connect the Islamic banking theories to the rich conceptual framework already developed over some five decades that form the basis of research (and graduate courses) on conventional banking and financial intermediation, in particular, information asymmetries, adverse selection, moral hazard, agency theory, optimal contract design and incentive structures.

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 32 to 41 of 183
  • item.jpg
  • PhD


  • Authors: Lokman @ Yusop, Azarahiah (2018)

  • Bank financing is an important external source of financing for SMEs. However, banks often considered SMEs as riskier than large enterprises and therefore use various tools to mitigate their risks in SME lending / financing such as imposing collateral requirement, higher pricing and credit rationing. This may limit access to finance for the SMEs. By understanding SME default risk better, banks may reduce or eliminate the collateral requirement, lower the pricing or avoid credit rationing thus improving access to finance for the SMEs. Studies have considered various risk factors and their impact on default. However, none, to the best of my knowledge has considered religion as a risk fa...

  • Demystifying_small_and_medium_enterprises_adam_ndieye_et_al.pdf.jpg
  • Journal Article


  • Authors: Ndiaye, Ndeye Djiba; Abdul Razak, Lutfi; Nagayev, Ruslan; Ng, Adam Boon Ka (2018)

  • Applying the General-to-Specific modelling on World Bank Enterprise Survey data for 266 economies, this paper models five performance indicators based on 80 potential factors derived from firm characteristics, finance, informality, infrastructure, innovation, technology, regulation, taxes, trade and workforce concerning small and medium enterprises (SMEs). We find that the factors vary regarding statistical significance and magnitude between small and medium enterprises. For example, the percent of firms using e-mail to interact with clients/suppliers has a positive effect on the annual employment growth of medium enterprises, but not the case of small enterprises. The proportion of i...

  • determinants_driving_bank_performance_poi_shamsher_ariff.pdf.jpg
  • Journal Article


  • Authors: Poi, Hun Sun; Ramadili Mohd, Shamsher Mohamad; Ariff, Mohamed (2017)

  • This paper extracts key variables from documented findings on bank intermediation margins of two types of banks in the Organisation of Islamic Countries. The intermediation margins used as the dependent variable are: net interest margins of conventional banks and the net profit margins of Islamic banks. To overcome the endogeneity issue of variables, an appropriate econometric procedure namely the dynamic Generalized Method of Moments is applied using data from 105 commercial banks over 14 years. The results are interesting: there is a significant difference in the margins across the two types of banks, 2.17% and 1.61% respectively. Capital adequacy, management quality, and diversific...

  • item.jpg
  • Master


  • Authors: Mobin, Mohammad Ashraful (2015)

  • The ability of banks in giving out loans and investments depends very much on their ability of attracting deposits. Unlike its conventional counterpart, Islamic principles forbid Islamic banks to take any interest-related income amid the fact that deposits are an important source of fund for its operational and financing. Consequently, the risk of deposit withdrawal by depositors is an important aspect that should be well managed in both conventional and Islamic banking system. Therefore, the objective of this study is to examine the effect of selected economic and bank specific variables on deposits placed at the Islamic and conventional banks ...

  • PhD_Determinants_of_perceptions_of_Islamic_banks_performance_Ahmed_Abdelgadir.pdf.jpg
  • PhD


  • Authors: Elobeid Mohamed, Ahmed Abdelgadir (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: Mohd Sapian, Safeza (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
  • 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. Available in physical copy only (Call Number: t HG 3368...

  • item.jpg
  • PhD


  • Authors: Mohamed Iqbal, Mohamed Ashraf (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 ...

  • development_needs_of_the_islamic_banking_industry.pdf.jpg
  • Chapter in Book


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

  • In this concluding chapter, we summarize of the main themes and ideas in the preceding chapters before considering the challenges the Islamic financial services industry is facing in the second decade of the twenty-first century. The first contribution of this book is that we have sought to connect the Islamic banking theories to the rich conceptual framework already developed over some five decades that form the basis of research (and graduate courses) on conventional banking and financial intermediation, in particular, information asymmetries, adverse selection, moral hazard, agency theory, optimal contract design and incentive structures.