Browsing by Topic Islamic banking

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Showing results 57 to 66 of 178
  • item.jpg
  • PhD


  • Authors: Ludeen, Abdullah (2019)

  • The first objective of this study aims to investigate the current status of financial inclusion and the second research objective aims to study the determinants of populations' refusal or inability to participate in banking system. The qualitative approach is used for the first research objective whereas quantitative technique is used to address the second objective. For the purpose of quantitative approach, primary data was collected through survey questionnaires from financially excluded population (individuals without a bank account or having only salary account) in Kabul province to answer the hypotheses outlined for this study. The data was analyzed using Structural Equation Mode...

  • item.jpg
  • PhD


  • Authors: Abdul Kader Malim, Nurhafiza (2015)

  • This study empirically investigates the financial intermediation costs represented by net financing margins in the Islamic banking sector in OIC countries for 2005-2011 period utilizing Generalized Method of Moments (GMM). We focus on the role of bank-specific, macroeconomic, market-specific and institutional-governance factors on the Islamic banks' margins. For comparative analysis, we assess the difference in margins and analyse whether the factors that affect margins in conventional banks affect Islamic bank differently by constructing an unmatched and matched sample ...

  • item.jpg
  • Master


  • Authors: Gulzar Mohd, Rosana (2016)

  • This study, which compares the German system with Malaysia in the hope of improving Islamic finance, uncovers four paradoxes. Germany is chosen because its focus on mutuality and small enterprises, at the expense of profit maximisation, not only embodies the Shariah principles of justice and social welfare but also makes the system more stable. The banks' profitability and stability between 2006 and 2014 are compared. This covers their performances before, during and after the global financial crisis ...

  • governance_performance_and_risk.pdf.jpg
  • Chapter in Book


  • Authors: Musaeva, Gulzhan; Mohd Rasid, Mohamed Eskandar Shah; Ramadili Mohd, Shamsher Mohamad; Muhamad Sori, Zulkarnain (2015)

  • The body of literature on Islamic banking has expanded significantly in the recent decades. A cursory overview of it paints a picture of an uncertain future for the industry. Admittedly, Islamic banking has experienced some success globally, with an annual double digit growth rate (an average of 15% to 20% annually) in the last decade. But to maintain the momentum, the industry has to improve on a number of pertinent aspects ...

  • item.jpg
  • PhD


  • Authors: Gulzar Mohd, Rosana (2019)

  • Despite the increase in studies on Islamic banks, there is a number of issues. Firstly, the comparison is with commercial banks although in reality, Islamic banks have strayed from their theoretical foundations of mutuality and profit-sharing. A more apt comparison is thus with cooperative banks, which share similar theoretical foundations with Islamic banks. Secondly, this comparison may unlock the stability puzzle for Islamic banks. While theoretically they are argued to be stabilising, empirically, the evidence is mixed. Several works concur with the notion of superior stability in Islamic compared to conventional banks but of late, there are increasing findings to the contrary. Th...

  • hilah_in_the_Islamic_banking_instruments_in_Malaysia_aishath.PDF.jpg
  • Journal Article


  • Authors: Muneeza, Aishath; Nik Yusuf, Nik Nurul Atiqah; Mohd Iqbal, Norariefah; Noor Mohamad, Juyda (2011)

  • The main focus of this paper is to identify the hilah committed in the Islamic banking and finance instruments in Malaysia with reference to other jurisdictions and analyse the complexity in ascertaining the legal status of such practice either in equity or debt based financing when its practice associates with the interest of the people and a need to fulfill the maqasid al-Shariah. At the end of the paper, the authors would attempt to answer the question whether there is a need to uniform the Islamic banking instruments in all the jurisdictions of the world to facilitate cross-border transactions.

  • hotel_investment_financing_call_shariah_consideration_new_methodology_assessment_screening_ahcene.pdf.jpg
  • Journal Article


  • Authors: Lahsasna, Ahcene (2015)

  • It investigates the nature of the hotel business from the Islamic law perspective and its importance in the Malaysian economy. It argues that exclusion of hotel business from Islamic investment and financing activities through Shari'ah screening methodology may be inappropriate. Hence, it recommends that the Shari'ah Advisory Council (SAC) of Securities Commission Malaysia reconsider the assessment and screening process for hotel business in the light of arguments put forward in the research in favour of its Shari'ah compliance.

  • how_islamic_are_islamic_banks_non-linear_assessment_islamic_rate_conventional_rate_relations_mansoribrahim.pdf.jpg
  • Journal Article


  • Authors: Sukmana, Raditya; Ibrahim, Mansor H. (2017)

  • In this paper, we perform a non-linear assessment of Islamic rate - conventional rate relations for the case of Malaysia. Using monthly data covering the period January 1999 to November 2016, we find strong evidence supporting non-linear reactions of the Islamic investment rates to conventional rates in the long run and/or short-run for all matched maturities. More precisely, the Islamic investment rates exhibit faster upward movement (slower downward movement) in responses to conventional deposit rate increases (decreases). The asymmetric pricing behaviour of Islamic banks however tends to weaken as maturity lengthens. Accordingly, we infer that Islamic banks do not rigidly peg their...

  • how_to_expand_role_islamic_banking_trading_saiful.pdf.jpg
  • Industry Article


  • Authors: Rosly, Saiful Azhar (2018)

  • Ever since the establishment of Islamic banks in the 1970s, the difficulty in executing actual buy and sell transactions as the Quran commanded in the verse "Allah has permitted al-bay but prohibits riba" (Al-Baqarah 275) has spurred the industry into using questionable products that resemble interest-bearing loans as evident now in tawaruq munazzam and earlier in bay al-enah. Much of this unfortunate development in Islamic banking has to do with its deposit-taking function. Doing so requires the bank to follow stringent Basel Accord capital requirement against any risky positions it took in the business such as equity, leasing and trading positions. The trading business, namely buy a...

  • item.jpg
  • Master


  • Authors: Chowdhury, Mohammad Ashraful Ferdous (2015)

  • Studies of Islamic banks' profitability are an important tool towards improving performance, evaluating bank operations and determining management plan to help in increasing the chance for the banks to survive in competitive markets. The robust growth in financing and investment activities across most jurisdictions in various real sectors has helped Islamic banks to record generous asset growth rates in their balance sheets. However, the returns become subdued during the financial crisis of years of 2008-2009, reaching lows of ROA 0.74% and ROE 6.16% in 2009 (IFSB, 2014). Over the last twenty years, market conditions in banking sector have undergone extensive changes on both demand an...

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 57 to 66 of 178
  • item.jpg
  • PhD


  • Authors: Ludeen, Abdullah (2019)

  • The first objective of this study aims to investigate the current status of financial inclusion and the second research objective aims to study the determinants of populations' refusal or inability to participate in banking system. The qualitative approach is used for the first research objective whereas quantitative technique is used to address the second objective. For the purpose of quantitative approach, primary data was collected through survey questionnaires from financially excluded population (individuals without a bank account or having only salary account) in Kabul province to answer the hypotheses outlined for this study. The data was analyzed using Structural Equation Mode...

  • item.jpg
  • PhD


  • Authors: Abdul Kader Malim, Nurhafiza (2015)

  • This study empirically investigates the financial intermediation costs represented by net financing margins in the Islamic banking sector in OIC countries for 2005-2011 period utilizing Generalized Method of Moments (GMM). We focus on the role of bank-specific, macroeconomic, market-specific and institutional-governance factors on the Islamic banks' margins. For comparative analysis, we assess the difference in margins and analyse whether the factors that affect margins in conventional banks affect Islamic bank differently by constructing an unmatched and matched sample ...

  • item.jpg
  • Master


  • Authors: Gulzar Mohd, Rosana (2016)

  • This study, which compares the German system with Malaysia in the hope of improving Islamic finance, uncovers four paradoxes. Germany is chosen because its focus on mutuality and small enterprises, at the expense of profit maximisation, not only embodies the Shariah principles of justice and social welfare but also makes the system more stable. The banks' profitability and stability between 2006 and 2014 are compared. This covers their performances before, during and after the global financial crisis ...

  • governance_performance_and_risk.pdf.jpg
  • Chapter in Book


  • Authors: Musaeva, Gulzhan; Mohd Rasid, Mohamed Eskandar Shah; Ramadili Mohd, Shamsher Mohamad; Muhamad Sori, Zulkarnain (2015)

  • The body of literature on Islamic banking has expanded significantly in the recent decades. A cursory overview of it paints a picture of an uncertain future for the industry. Admittedly, Islamic banking has experienced some success globally, with an annual double digit growth rate (an average of 15% to 20% annually) in the last decade. But to maintain the momentum, the industry has to improve on a number of pertinent aspects ...

  • item.jpg
  • PhD


  • Authors: Gulzar Mohd, Rosana (2019)

  • Despite the increase in studies on Islamic banks, there is a number of issues. Firstly, the comparison is with commercial banks although in reality, Islamic banks have strayed from their theoretical foundations of mutuality and profit-sharing. A more apt comparison is thus with cooperative banks, which share similar theoretical foundations with Islamic banks. Secondly, this comparison may unlock the stability puzzle for Islamic banks. While theoretically they are argued to be stabilising, empirically, the evidence is mixed. Several works concur with the notion of superior stability in Islamic compared to conventional banks but of late, there are increasing findings to the contrary. Th...

  • hilah_in_the_Islamic_banking_instruments_in_Malaysia_aishath.PDF.jpg
  • Journal Article


  • Authors: Muneeza, Aishath; Nik Yusuf, Nik Nurul Atiqah; Mohd Iqbal, Norariefah; Noor Mohamad, Juyda (2011)

  • The main focus of this paper is to identify the hilah committed in the Islamic banking and finance instruments in Malaysia with reference to other jurisdictions and analyse the complexity in ascertaining the legal status of such practice either in equity or debt based financing when its practice associates with the interest of the people and a need to fulfill the maqasid al-Shariah. At the end of the paper, the authors would attempt to answer the question whether there is a need to uniform the Islamic banking instruments in all the jurisdictions of the world to facilitate cross-border transactions.

  • hotel_investment_financing_call_shariah_consideration_new_methodology_assessment_screening_ahcene.pdf.jpg
  • Journal Article


  • Authors: Lahsasna, Ahcene (2015)

  • It investigates the nature of the hotel business from the Islamic law perspective and its importance in the Malaysian economy. It argues that exclusion of hotel business from Islamic investment and financing activities through Shari'ah screening methodology may be inappropriate. Hence, it recommends that the Shari'ah Advisory Council (SAC) of Securities Commission Malaysia reconsider the assessment and screening process for hotel business in the light of arguments put forward in the research in favour of its Shari'ah compliance.

  • how_islamic_are_islamic_banks_non-linear_assessment_islamic_rate_conventional_rate_relations_mansoribrahim.pdf.jpg
  • Journal Article


  • Authors: Sukmana, Raditya; Ibrahim, Mansor H. (2017)

  • In this paper, we perform a non-linear assessment of Islamic rate - conventional rate relations for the case of Malaysia. Using monthly data covering the period January 1999 to November 2016, we find strong evidence supporting non-linear reactions of the Islamic investment rates to conventional rates in the long run and/or short-run for all matched maturities. More precisely, the Islamic investment rates exhibit faster upward movement (slower downward movement) in responses to conventional deposit rate increases (decreases). The asymmetric pricing behaviour of Islamic banks however tends to weaken as maturity lengthens. Accordingly, we infer that Islamic banks do not rigidly peg their...

  • how_to_expand_role_islamic_banking_trading_saiful.pdf.jpg
  • Industry Article


  • Authors: Rosly, Saiful Azhar (2018)

  • Ever since the establishment of Islamic banks in the 1970s, the difficulty in executing actual buy and sell transactions as the Quran commanded in the verse "Allah has permitted al-bay but prohibits riba" (Al-Baqarah 275) has spurred the industry into using questionable products that resemble interest-bearing loans as evident now in tawaruq munazzam and earlier in bay al-enah. Much of this unfortunate development in Islamic banking has to do with its deposit-taking function. Doing so requires the bank to follow stringent Basel Accord capital requirement against any risky positions it took in the business such as equity, leasing and trading positions. The trading business, namely buy a...

  • item.jpg
  • Master


  • Authors: Chowdhury, Mohammad Ashraful Ferdous (2015)

  • Studies of Islamic banks' profitability are an important tool towards improving performance, evaluating bank operations and determining management plan to help in increasing the chance for the banks to survive in competitive markets. The robust growth in financing and investment activities across most jurisdictions in various real sectors has helped Islamic banks to record generous asset growth rates in their balance sheets. However, the returns become subdued during the financial crisis of years of 2008-2009, reaching lows of ROA 0.74% and ROE 6.16% in 2009 (IFSB, 2014). Over the last twenty years, market conditions in banking sector have undergone extensive changes on both demand an...