Browsing by Topic Islamic banking

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Showing results 52 to 61 of 196
  • economic_theory_Islamic_finance_regulation_mabid.pdf.jpg
  • Journal Article


  • Authors: Mahmoud Al-Jarhi, Mabid Ali Mohamed (2016)

  • We argue that regulation can improve the performance of conventional banks up to a limit, but cannot eliminate the inefficiencies resulting from the use of the conventional loan contract. Islamic finance requires complicated and costly procedures compared to conventional finance. Yet, it has significant macroeconomic benefits, which cannot be internalized by individual banks. Therefore, Islamic bankers tend to mimic conventional finance in order to cut costs and maximize short-term profits. Regulation can modify bankers' incentives in order to capture the benefits of Islamic finance.

  • item.jpg
  • PhD


  • Authors: Smolo, Edib (2019)

  • Although the well-functioning financial structure is, in general, a key to long-term sustainable economic growth and overall stability, the debate on the relationship between financial development and economic growth remains non-fading. The theoretical literature provides startlingly different and sometimes conflicting views on the finance growth nexus. In addition to this non-fading debate on finance - growth nexus, the degree of banking competition attracted increasing attention in recent years. Banking consolidations, merger and acquisitions, fuelled by overall banking deregulations and the lowering of economic barriers led to structural changes within the banking and financial env...

  • item.jpg
  • PhD


  • Authors: Seho, Mirzet (2018)

  • The issue of whether banks should diversify or focus their portfolios is theoretically and empirically open to debate. Traditional wisdom in banking argues that diversification can reduce risk and improve retums. The theory of corporate finance, however, contends that diversification increases earnings volatility, write-downs and write-offs, agency problems and inefficiency. While the former suggests that banks should be as diversified as possible, the latter recommends that banks should focus their activities. In an attempt to test these arguments, numerous empirical studies have been conducted - primarily on conventional banks in single-banking systems from developed economies and l...

  • Efficiency_and_bank_margins_a_comparative_analysis_of_Islamic_and_conventional_banks_in_Yemen_fekri_et_al.pdf.jpg
  • Journal Article


  • Authors: Shawtari, Fekri Ali; Abdul Kareem, Mohamed Ariff; Shaikh Abdul Razak, Shaikh Hamzah (2018)

  • This paper examines the determinants of bank margins' in the Yemeni banking sector for Islamic and conventional banks. The first objective is to investigate whether there is a significant difference between the margins of conventional and Islamic banks. The second objective is to examine whether efficiency represents an influential factor in determining bank margins for Islamic and conventional banks controlling for other micro and macro variables. The study finds that the overall bank margin in Yemen has steadily decreased during the observation period with the exception of the year 2011. The parametric and non parametric results show that the bank margins are significantly higher fo...

  • efficiency_assessment_ banking_sector_Yemen_using_data_envelopment_window_analysis_shaikhhamzah.pdf.jpg
  • Journal Article


  • Authors: Shawtari, Fekri Ali; Abdul Kareem, Mohamed Ariff; Shaikh Abdul Razak, Shaikh Hamzah (2015)

  • The purpose of this paper is to examine the banking industry’s efficiency using the case of Yemen. The paper utilises two-stage analysis to evaluate the efficiency adopting Data Envelopment Window Analysis (DEWA) in the first stage for the period 1996-2011. Furthermore, the paper addresses, in two-dimensional matrix, the stability and efficiency of the banking sector in order to assess their ability for survival. In the second stage, panel data analysis is applied to regress a set of bank-specific and macro-economic variables on the efficiency of the banking sector in Yemen in a comparative fashion between Islamic and conventional banks. The findings of the investigation indicate that...

  • efficiency_commercial_banks_Malaysia_azmi_abdul_rahim_rosylin_shabri_eskandar.pdf.jpg
  • Journal Article


  • Authors: Omar, Mohd. Azmi; Abdul Rahman, Abdul Rahim; Mohd. Yusuf, Rosylin; Abd. Majid, M. Shabri; Mohd Rasid, Mohamed Eskandar Shah (2006)

  • This study investigates the change in the productivity of banking industry during the period of 2000 to 2004. The data consists of a panel of 11 commercial banks in Malaysia namely Malayan Banking, Bumiputra-Commerce, Public Bank, RHB Bank, Hong Leong Berhad, EON Bank, Affin Bank, Southern Bank Berhad, Bank Islam Malaysia Berhad (BIMB), Ambank and Bank Muamalat. Productivity is measured by the Malmquist index, using a Data Envelopment Analysis (DEA) technique. The Malmquist productivity measures are decomposed into two components: efficiency change and technical change index. Efficiency change is again decomposed into pure efficiency and scale efficiency. Overall, the results show tha...

  • efficiency_conventional_versus_islamic_banks_evidence_middle_east_shamsher.pdf.jpg
  • Journal Article


  • Authors: Hassan, Taufiq; Ramadili Mohd, Shamsher Mohamad; Bader, Mohammed Khaled I. (2009)

  • This paper aims to investigate the differences in mean cost, revenue and profit efficiency scores of conventional versus Islamic banks. It also aims to examine the effect of size and age on cost, revenue and profit efficiency of the sampled banks. This study evaluates a cross-country level data compiled from the financial statements of 40 banks in 11 Organisation of Islamic Conference (OIC) countries over the period 1990-2005. The data were collected for each year available from the BankScope database. The DEA nonparametric efficiency approach originally developed by Farrell was applied to analyse the data. The findings suggest no significant differences between the overall efficiency...

  • efficiency_asset_quality_stability_banking_sector_Malaysia_ariff et al.pdf.jpg
  • Journal Article


  • Authors: Abdul Kareem, Mohamed Ariff; Shawtari, Fekri Ali (2019)

  • Malaysia practices a dual banking system, where conventional banks coexist with Islamic banks. While conventional banks are well established, Islamic banks are growing rapidly. Since Islamic banks consist of two types, namely stand-alone or wholesome Islamic banks and Islamic subsidiaries of conventional banks, it would be revealing to examine if Islamic subsidiaries of conventional banks differ from standalone Islamic banks in terms of efficiency, stability and assets quality. A few studies in the literature that examine the issue have focused on comparisons between Islamic banks and conventional banks, with no consideration given to the differentiation between the two categories of ...

  • etatisme versus market driven_rodney.pdf.jpg
  • Chapter in Book


  • Authors: Wilson, Rodney (2012)

  • The world's largest Islamic banks in terms of assets are based in the Persian Gulf region, Bank Melli of Iran being first ranked with assets worth over $57 bilion and Al Rajhi Bank of Saudi Arabia being second, with assets worth over $45 billion. Yet these two banks operate in very different jurisdiction, with all banks being nominally Islamic in Iran, whereas on the Arab side of the Gulf Islamic banks compete with conventional banks. The aim here is to examine the contrasting approaches taken by Iran and its Guld Arab neighbors to Islamic banking.

  • Ethical_choice_Islamic_banks_incorporating_Al_Ghazali_ethical_philosophy_Shinaj.pdf.jpg
  • PhD


  • Authors: Shamsudheen, Shinaj Valangattil (2018)

  • While ample emphasis has been given to the juristic (fiqh) aspects of Shariah compliance in Islamic banking and finance, relatively little has been attempted to explore its ethical dimensions (akhlaq) in the compliance parameters. Further, Shariah compliance has been product centric rather than people-centric. This is evident in view of recurring unprincipled events reported in the Islamic banking and finance industry where its ethical standing is under public scrutiny. Given this undesirable circumstance, this study intends to examine the factors determining decision-making behaviour in Islamic banking related to ethical issues as defined by the Ferrell and Gresham (1985) contingency...

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 52 to 61 of 196
  • economic_theory_Islamic_finance_regulation_mabid.pdf.jpg
  • Journal Article


  • Authors: Mahmoud Al-Jarhi, Mabid Ali Mohamed (2016)

  • We argue that regulation can improve the performance of conventional banks up to a limit, but cannot eliminate the inefficiencies resulting from the use of the conventional loan contract. Islamic finance requires complicated and costly procedures compared to conventional finance. Yet, it has significant macroeconomic benefits, which cannot be internalized by individual banks. Therefore, Islamic bankers tend to mimic conventional finance in order to cut costs and maximize short-term profits. Regulation can modify bankers' incentives in order to capture the benefits of Islamic finance.

  • item.jpg
  • PhD


  • Authors: Smolo, Edib (2019)

  • Although the well-functioning financial structure is, in general, a key to long-term sustainable economic growth and overall stability, the debate on the relationship between financial development and economic growth remains non-fading. The theoretical literature provides startlingly different and sometimes conflicting views on the finance growth nexus. In addition to this non-fading debate on finance - growth nexus, the degree of banking competition attracted increasing attention in recent years. Banking consolidations, merger and acquisitions, fuelled by overall banking deregulations and the lowering of economic barriers led to structural changes within the banking and financial env...

  • item.jpg
  • PhD


  • Authors: Seho, Mirzet (2018)

  • The issue of whether banks should diversify or focus their portfolios is theoretically and empirically open to debate. Traditional wisdom in banking argues that diversification can reduce risk and improve retums. The theory of corporate finance, however, contends that diversification increases earnings volatility, write-downs and write-offs, agency problems and inefficiency. While the former suggests that banks should be as diversified as possible, the latter recommends that banks should focus their activities. In an attempt to test these arguments, numerous empirical studies have been conducted - primarily on conventional banks in single-banking systems from developed economies and l...

  • Efficiency_and_bank_margins_a_comparative_analysis_of_Islamic_and_conventional_banks_in_Yemen_fekri_et_al.pdf.jpg
  • Journal Article


  • Authors: Shawtari, Fekri Ali; Abdul Kareem, Mohamed Ariff; Shaikh Abdul Razak, Shaikh Hamzah (2018)

  • This paper examines the determinants of bank margins' in the Yemeni banking sector for Islamic and conventional banks. The first objective is to investigate whether there is a significant difference between the margins of conventional and Islamic banks. The second objective is to examine whether efficiency represents an influential factor in determining bank margins for Islamic and conventional banks controlling for other micro and macro variables. The study finds that the overall bank margin in Yemen has steadily decreased during the observation period with the exception of the year 2011. The parametric and non parametric results show that the bank margins are significantly higher fo...

  • efficiency_assessment_ banking_sector_Yemen_using_data_envelopment_window_analysis_shaikhhamzah.pdf.jpg
  • Journal Article


  • Authors: Shawtari, Fekri Ali; Abdul Kareem, Mohamed Ariff; Shaikh Abdul Razak, Shaikh Hamzah (2015)

  • The purpose of this paper is to examine the banking industry’s efficiency using the case of Yemen. The paper utilises two-stage analysis to evaluate the efficiency adopting Data Envelopment Window Analysis (DEWA) in the first stage for the period 1996-2011. Furthermore, the paper addresses, in two-dimensional matrix, the stability and efficiency of the banking sector in order to assess their ability for survival. In the second stage, panel data analysis is applied to regress a set of bank-specific and macro-economic variables on the efficiency of the banking sector in Yemen in a comparative fashion between Islamic and conventional banks. The findings of the investigation indicate that...

  • efficiency_commercial_banks_Malaysia_azmi_abdul_rahim_rosylin_shabri_eskandar.pdf.jpg
  • Journal Article


  • Authors: Omar, Mohd. Azmi; Abdul Rahman, Abdul Rahim; Mohd. Yusuf, Rosylin; Abd. Majid, M. Shabri; Mohd Rasid, Mohamed Eskandar Shah (2006)

  • This study investigates the change in the productivity of banking industry during the period of 2000 to 2004. The data consists of a panel of 11 commercial banks in Malaysia namely Malayan Banking, Bumiputra-Commerce, Public Bank, RHB Bank, Hong Leong Berhad, EON Bank, Affin Bank, Southern Bank Berhad, Bank Islam Malaysia Berhad (BIMB), Ambank and Bank Muamalat. Productivity is measured by the Malmquist index, using a Data Envelopment Analysis (DEA) technique. The Malmquist productivity measures are decomposed into two components: efficiency change and technical change index. Efficiency change is again decomposed into pure efficiency and scale efficiency. Overall, the results show tha...

  • efficiency_conventional_versus_islamic_banks_evidence_middle_east_shamsher.pdf.jpg
  • Journal Article


  • Authors: Hassan, Taufiq; Ramadili Mohd, Shamsher Mohamad; Bader, Mohammed Khaled I. (2009)

  • This paper aims to investigate the differences in mean cost, revenue and profit efficiency scores of conventional versus Islamic banks. It also aims to examine the effect of size and age on cost, revenue and profit efficiency of the sampled banks. This study evaluates a cross-country level data compiled from the financial statements of 40 banks in 11 Organisation of Islamic Conference (OIC) countries over the period 1990-2005. The data were collected for each year available from the BankScope database. The DEA nonparametric efficiency approach originally developed by Farrell was applied to analyse the data. The findings suggest no significant differences between the overall efficiency...

  • efficiency_asset_quality_stability_banking_sector_Malaysia_ariff et al.pdf.jpg
  • Journal Article


  • Authors: Abdul Kareem, Mohamed Ariff; Shawtari, Fekri Ali (2019)

  • Malaysia practices a dual banking system, where conventional banks coexist with Islamic banks. While conventional banks are well established, Islamic banks are growing rapidly. Since Islamic banks consist of two types, namely stand-alone or wholesome Islamic banks and Islamic subsidiaries of conventional banks, it would be revealing to examine if Islamic subsidiaries of conventional banks differ from standalone Islamic banks in terms of efficiency, stability and assets quality. A few studies in the literature that examine the issue have focused on comparisons between Islamic banks and conventional banks, with no consideration given to the differentiation between the two categories of ...

  • etatisme versus market driven_rodney.pdf.jpg
  • Chapter in Book


  • Authors: Wilson, Rodney (2012)

  • The world's largest Islamic banks in terms of assets are based in the Persian Gulf region, Bank Melli of Iran being first ranked with assets worth over $57 bilion and Al Rajhi Bank of Saudi Arabia being second, with assets worth over $45 billion. Yet these two banks operate in very different jurisdiction, with all banks being nominally Islamic in Iran, whereas on the Arab side of the Gulf Islamic banks compete with conventional banks. The aim here is to examine the contrasting approaches taken by Iran and its Guld Arab neighbors to Islamic banking.

  • Ethical_choice_Islamic_banks_incorporating_Al_Ghazali_ethical_philosophy_Shinaj.pdf.jpg
  • PhD


  • Authors: Shamsudheen, Shinaj Valangattil (2018)

  • While ample emphasis has been given to the juristic (fiqh) aspects of Shariah compliance in Islamic banking and finance, relatively little has been attempted to explore its ethical dimensions (akhlaq) in the compliance parameters. Further, Shariah compliance has been product centric rather than people-centric. This is evident in view of recurring unprincipled events reported in the Islamic banking and finance industry where its ethical standing is under public scrutiny. Given this undesirable circumstance, this study intends to examine the factors determining decision-making behaviour in Islamic banking related to ethical issues as defined by the Ferrell and Gresham (1985) contingency...