Log in

Relevant bibliographies by topics / Islamic and conventional banks

Contents

Journal articles
Dissertations / Theses
Books
Book chapters
Conference papers
Reports

Academic literature on the topic 'Islamic and conventional banks'

Author: Grafiati

Published: 10 December 2022

Last updated: 20 February 2023

Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles

Select a source type:

Consult the lists of relevant articles, books, theses, conference reports, and other scholarly sources on the topic 'Islamic and conventional banks.'

Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.

You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.

Journal articles on the topic "Islamic and conventional banks"

1

Alzoubi, Tariq. "Determinants of bank profitability: Islamic versus conventional banks." Banks and Bank Systems 13, no. 3 (September 12, 2018): 106–13. http://dx.doi.org/10.21511/bbs.13(3).2018.10.

Full text

Abstract:

This research analyzes the determinants of bank profitability by investigating the internal factors that affect the profitability of Islamic banks and conventional banks. It then compares the results from the two types in order to understand how they differ from each other. As previous researchers focus on either Islamic or conventional banks, this research will analyze both by comparing how they are each influenced by profitability factors. Few researches have attempted to compare the profitability of Islamic and conventional banks using a relatively small sample. This research uses a fixed effect panel data analysis on a large sample of 68 banks (42 Islamic and 26 conventional banks) from 13 MENA countries, covering the period of 2006 until 2016. Using several variables, including bank size, equities to assets, loans to assets, deposits to assets, cash to assets and securities to assets, the results show that bank size, equities to assets and deposits to assets have a significant positive effect on Islamic banks’ profitability, while they have a significant negative effect on conventional banks’ profitability; loans to assets and cash to assets have no effect on bank profitability for either Islamic or conventional banks; and securities to assets has a significant negative effect on Islamic banks’ profitability, while it has a significant positive effect on conventional banks’ profitability. The results also show that bank size, equities to assets, deposits to assets and cash to assets contribute more to Islamic banks’ profitability compared to conventional banks, while loans to assets and securities to assets contribute more to conventional banks’ profitability compared to Islamic banks.

APA, Harvard, Vancouver, ISO, and other styles

2

Misni, Latifah Syaqirah, Masturah Ma'in, and Siti Sarah Mat Isa. "Off-Balance Sheet Income Activities For Islamic And Conventional Banks." Journal of Emerging Economies and Islamic Research 3, no. 3 (September 30, 2015): 58. http://dx.doi.org/10.24191/jeeir.v3i3.9068.

Full text

Abstract:

The aim of this study is to investigate the determinants of off-balanced sheet income activities, considering the bankspecific and macroeconomic factors as independent variables in Islamic and conventional banks in Malaysia. This study utilizes 16 Islamic banks and 14 conventonal banks panel data from 2008-2013 and 2002-2013 respectively. The result shows that the determinants of off-balance sheet activities in Islamic banks in Malaysia are bank’s size (TA), bank’s profitability (NP), and interest rate (INT). While, the determinants of off-balance sheet activities in conventional banks are bank’s size (TA), bank’s profitability (NP) and the Real Gross Domestic Product (RGDP).

APA, Harvard, Vancouver, ISO, and other styles

3

Khan, Shahbaz, Nida Baig, Shahzad Hussain, and Ajid Ur Rehman. "Strength of Bank-Firm Nexus: Evidence from Islamic and Conventional Banks." Journal of Islamic Business and Management (JIBM) 10, no. 01 (June 30, 2020): 96–109. http://dx.doi.org/10.26501/jibm/2020.1001-007.

Full text

APA, Harvard, Vancouver, ISO, and other styles

4

Al-Harby, Ahmad. "Factors Affecting Capital Structure of Conventional and Islamic Banks: Evidence from MENA Region." Global Review of Islamic Economics and Business 7, no. 2 (December 31, 2019): 069. http://dx.doi.org/10.14421/grieb.2019.072-02.

Full text

Abstract:

This study aim is to investigate and compare the factors affecting conventional and Islamic bank’s capital structure choice as well as their financial characteristics. According to the best of my knowledge, this is the first paper that mainly concentrated in comparing the determinants of capital structure of conventional and Islamic banks using a cross-country data and for a long period of time (20 years). The study revealed several findings. Firstly, descriptive statistics (equality of means test) showed that conventional banks more leveraged and liquid than Islamic banks. In contrast, Islamic banks are larger and more profitable (ROA) than conventional banks. The results also indicated that Islamic banks are not riskier than conventional banks. Secondly, the regression results showed that all variables, except tax-shield, had the same impact on both banking types capital structure. It been found that profitability, tangibility, business risk and age correlated negatively and significantly with capital structure. In the other direction, size, liquidity and inflation had significant and positive relation with capital structure. Vis-à-vis tax-shield, this variable had a weak impact (positive) on Islamic bank’s capital structure but had no effect on conventional banks and this attributed to Islamic banks sample.

APA, Harvard, Vancouver, ISO, and other styles

5

Rizwan, Rabeea. "PERFORMANCE COMPARISON OF ISLAMIC BANKS AND CONVENTIONAL BANKS IN PAKISTAN." International Journal of Islamic Banking and Finance Research 5, no. 1 (June 3, 2021): 34–41. http://dx.doi.org/10.46281/ijibfr.v5i1.1155.

Full text

Abstract:

The objective of this paper is to compare and analyze the performance of Islamic Banks and Conventional Banks operating in Pakistan during the 5 year period of 2015-2019. This study utilizes the CAMEL approach to assess and compare the performance of Islamic Banks and Conventional Banks in Pakistan using a sample of banks. For the purpose of this study, we have used a sample of 4 Conventional banks and 4 Islamic Banks that are operating in Pakistan. All the relevant information for the purpose of comparison for this study was collected from the annual reports of these sample banks which were available on the respective bank’s website. The findings of this study indicate that in Pakistan, Islamic banks have performed better in terms of asset quality and earnings than the conventional banks whereas the conventional banks had a better performance in terms of liquidity, management efficiency and capital during the five-year period of consideration. The findings of the analysis also showed that Islamic banks in Pakistan have shown significant growth over the 5 year period 2015-2019.

APA, Harvard, Vancouver, ISO, and other styles

6

Samad, Abdus. "“Is there any Causality between the Islamic Banks’ Deposit Returns and the Conventional Banks’ Interest Rates? Evidence from Malaysian Commercial Banking”." International Journal of Economics and Financial Issues 12, no. 3 (May 17, 2022): 18–28. http://dx.doi.org/10.32479/ijefi.13003.

Full text

Abstract:

This paper examined and compared the Islamic banks’ time series rates of return to depositors, 1-month, 3-month, 6-month, 9-month, and 12-month as well as the rate of return on Islamic Bank's Mudharabah saving and with the conventional banks’ similar time series deposit interest rates during 2001-2015. Non-cointegration of monthly and quarterly series of deposit interest rates, established by Johansen Cointegration test, led to the VAR Granger causality test which showed unidirectional causality running from the conventional banks’ deposit interest rates to the Islamic banks’ rate of returns. The establishment of cointegration for the conventional bank and the Islamic bank series of 6-month, 9-month, and 12-month as well as saving deposit rates series by Johansen Cointegration test led to the VEC model which establishes the short term dynamics and the stability of long run equilibrium between the rates of return of Islamic banks and interest rates of the conventional banks. The Vector Error correction results showed the speed of convergence varied from 18 percent to 24 percent. The results of the VEC Granger causality /Wald test (F-test) found unidirectional causality i.e. the direction causality running from conventional banks’ interest rate to the Islamic bank’s rate of return in all series, 6-month, 9-month, 12-month, and the saving deposit.

APA, Harvard, Vancouver, ISO, and other styles

7

Jaara, Bassam Omar Ali, Mohammad A. AL-Dahiyat, and Ismail AL-Takryty. "The Determinants of Islamic and Conventional Banks Profitability in the GCC Region." International Journal of Financial Research 12, no. 3 (January 11, 2021): 78. http://dx.doi.org/10.5430/ijfr.v12n3p78.

Full text

Abstract:

The purpose of this study is to examine the factors affecting the profitability levels of commercial banks whether Islamic and non-Islamic over the period 2000-2018, to suggest ways to enhance the Islamic and non-Islamic banks profitability levels’ in the GCC countries. This research employed Bivariate analysis and panel regression in the investigation process. The study employed return on assets ratio as a proxy for banks profitability. The study found out that conventional banks are more efficient than Islamic banks in terms of profitability levels. There are substantial variances between both Islamic and conventional banks in terms of the determinants of banks' profitability. It is found that 89% of the Islamic bank’s profitability and 85% of conventional banks profitability influenced by bank size, market to book value, capital ratio, cash to assets, gross domestic product GDP, GDP growth, and inflation.

APA, Harvard, Vancouver, ISO, and other styles

8

Jaara, Bassam Omar Ali, Mohammad A. AL-Dahiyat, and Ismail AL-Takryty. "The Determinants of Islamic and Conventional Banks Profitability in the GCC Region." International Journal of Financial Research 12, no. 3 (January 11, 2021): 78. http://dx.doi.org/10.5430/ijfr.v12n3p78.

Full text

Abstract:

The purpose of this study is to examine the factors affecting the profitability levels of commercial banks whether Islamic and non-Islamic over the period 2000-2018, to suggest ways to enhance the Islamic and non-Islamic banks profitability levels’ in the GCC countries. This research employed Bivariate analysis and panel regression in the investigation process. The study employed return on assets ratio as a proxy for banks profitability. The study found out that conventional banks are more efficient than Islamic banks in terms of profitability levels. There are substantial variances between both Islamic and conventional banks in terms of the determinants of banks' profitability. It is found that 89% of the Islamic bank’s profitability and 85% of conventional banks profitability influenced by bank size, market to book value, capital ratio, cash to assets, gross domestic product GDP, GDP growth, and inflation.

APA, Harvard, Vancouver, ISO, and other styles

9

Adriansyah, Ahmad, Fathoni Zoebaedi, and Ramzi A. Zuhdi. "Does the Principle of Running a Business in Conventional Vs Sharia Become Differentiator? Study on Banking Industry in Indonesia 2009 - 2014." Jurnal Ilmu Manajemen & Ekonomika 8, no. 2 (June 30, 2016): 116. http://dx.doi.org/10.35384/jime.v8i2.10.

Full text

Abstract:

Comparing to conventional bank, Islamic banking industry in Indonesia relatively still in the early development stage. Islamic bank is different with conventional bank, and therefore there is a special regulation for Islamic bank. Research conducted in 22 countries (including Indonesia), shows that Islamic banking and has differences with conventional banking in term of business orientation, efficiency, asset kuality and stability. But other research 13 countries (not including Indonesia), show that Islamic banking’s performance is lower than conventional banking (Ariss, 2010). Islamic banking in Indonesia has a unique characteristic. Most of Islamic banking in Indonesia is converted from conventional bank, owned by conventional bank or originated from a conventional bank. Some resource of Islamic bank comes from conventional banking even some of them still using resource from their conventional bank as their parent. This result raises a question, whether in the context of Islamic banking in Indonesia, its performance is significantly different from conventional banks. To answer the research questions above, we do a t-test on ROA and ROE Islamic banks and conventional banks from 2009-2014. The results showed that there was no significant difference between the financial performances of Islamic banks with conventional banks, except for 2014. In 2014 Islamic bank’s ROE is lower than conventional banks. This research opens the opportunity to study the factors that could cause a difference in the performance of Islamic banks vs conventional banks.

APA, Harvard, Vancouver, ISO, and other styles

10

Ali, Asif, Malik Fahim Bashir, and Muhammad Asim Afridi. "Do Islamic Banks Perform Better than Conventional Banks?" Turkish Journal of Islamic Economics 8, no. 1 (February 15, 2021): 1–17. http://dx.doi.org/10.26414/a082.

Full text

Abstract:

This study aims to compare the performance of Islamic and conventional banks in Pakistan for the period 2007-2016. For the purpose, the study first employs CAMELS composite rating to find the ratios to highlight the managerial and financial performance of the banks. The study then uses logistic regression technique for the performance comparison of Islamic and Conventional banks. The composite rating results reveal that both Islamic and conventional banks fall in rank 3 and need help from regulatory authorities to improve the performance of banking sector in Pakistan. Furthermore, the logistic regression results reveal that Islamic banks perform well in asset quality, management adequacy and sensitivity to market risk whereas conventional banks are efficient in capital adequacy and liquidity. Robustness of results is achieved by performance comparison of the same size Islamic and conventional banks. This analysis is important because Pakistan’s banking sector is hybrid where both Islamic and conventional banks work in the same environment and under the same regulator. Findings of this study are not only useful for Islamic and conventional banks operating in Pakistan but would also help the policymakers in devising future policies.

APA, Harvard, Vancouver, ISO, and other styles

More sources

Dissertations / Theses on the topic "Islamic and conventional banks"

1

Abdul, Majid Mariani. "The efficiency of islamic and conventional banks." Thesis, Aston University, 2008. http://publications.aston.ac.uk/15262/.

Full text

APA, Harvard, Vancouver, ISO, and other styles

2

Bennasr, Nabil. "Islamic banks facing the conventional banking sector." Thesis, Université Côte d'Azur (ComUE), 2018. http://www.theses.fr/2018AZUR0004.

Full text

Abstract:

Cette thèse analyse les conséquences de l’intégration d’un milieu bancaire conventionnel pour une banque islamique. Elle est composée de trois chapitres. Un premier traité de la conformité Sharia des banques islamiques. Cette conformité est assurée par un comité de supervision éthique. Nous détaillons le rôle et les tâches de ce comité de supervision éthique et montrons comment les contraintes réglementaires internationales ainsi que la pénurie éventuelle de personnels compétents pour alimenter ces sharia boards incitent la banque islamique à externaliser ce contrôle de conformité Sharia. En se proposant sur modèle théorique inspiré de Kornai, Maskin and Roland (2003), ce premier chapitre examine ainsi l'impact de l'externalisation de ce comité sur le business model de la banque islamique. Le deuxième chapitre est essentiellement empirique : nous comparons l'efficacité des deux modèles de banque, l’un internalisant (l’autre externalisant) le processus d’examen/ validation de la conformité Sharia. Pour procéder à cette étude empirique, nous examinons un échantillon d'une centaine de banques qui se divise en deux groupes de banques un premier qui externalise le contrôle de conformité Sharia et le deuxième l'internalise. Nous montrons que les banques sont plus efficaces lorsqu'elles externalisent ce processus de conformité. Finalement, un troisième chapitre traite la question de la création de liquidité au sein des deux banques, conventionnelle et islamique. Dans ce chapitre nous développons un modèle théorique inspiré de Diamond (2007) et nous comparons la création de liquidité de ces deux banques. Nous mettons en évidences les contraintes qui pèsent sur la banque islamique, elles se manifestent dans la structure du bilan des banques islamiques, un bilan qui présente un volume important d'actifs tangibles. On montre que la structure de ce bilan limite la possibilité pour les banques islamiques de concurrencer les banques conventionnelles et ainsi remet en cause leur capacité à intégrer un milieu bancaire conventionnel
This dissertation analyses the consequences of the integration of an Islamic bank into a conventional banking environment. The dissertation is composed of three chapters. The first examines the Islamic banks' compliance, which is ensured by a supervisory ethical committee. We examine the role and the tasks of this committee in detail, showing how international regulatory constraints, as well as a general lack of individuals with the required skills to sit on the Sharia boards, provide incentives for the Islamic bank to outsource the monitoring of Sharia compliance. Basing our study on a theoretical model, inspired by Kornai, Maskin and Roland (2003), this first chapter analyses how the outsourcing of this committee has an impact on the business model of the Islamic bank. The second chapter is largely empirical; we compare the effectiveness of two bank models, one in which the Sharia compliance validation process is internal, and one in which it is external. To test this empirical study, we analyze a sample of around 100 banks which are divided into two groups, one which outsources the Sharia compliance and monitoring and one which internalizes this process. We show that banks are more effective when they outsource the compliance monitoring process. Finally, the third chapter approaches the question of liquidity creation within two types of bank: Islamic and conventional. In this chapter, we develop a theoretical model inspired by Diamond (2007) and we compare the liquidity creation process in these two banks. We demonstrate the constraints that burden the Islamic bank, shown by the high volume of tangible assets in their balance sheets. We demonstrate that the structure of this balance sheet limits the possibilities for Islamic banks to compete with conventional banks, and thus brings into question their capacity to integrate a conventional banking environment

APA, Harvard, Vancouver, ISO, and other styles

3

Kabir, Md Nurul. "Credit Risk in Islamic and Conventional Banks." Thesis, Griffith University, 2016. http://hdl.handle.net/10072/366249.

Full text

Abstract:

This thesis investigates several aspects concerning the financial stability of Islamic and conventional banks. This is important because the strong growth of Islamic banking, notwithstanding their marked uniqueness in operational and financing behaviour, combined with fierce global competition with the prevailing conventional bank system, raises concerns among regulators and practitioners about the long-run sustainability of Islamic banking. First, the thesis compares the level of financial stability in Islamic and conventional banks using three different methods of credit risk measurement. Second, it compares the effect of competition on stability across Islamic and conventional banks. Finally, it investigates whether efficiency significantly modulates the linkage between competition and stability in both Islamic and conventional banks. In the first research question, the thesis considers the levels of credit risk in Islamic and conventional banks, for which existing literature finds no conclusive result. One problem with existing studies is the use of accounting information alone to assess credit risk and this could be especially misleading with Islamic banking. Using a market-based credit risk measure, namely, Merton’s distance-to-default (DD) model, we evaluate the credit risk of 156 conventional and 37 Islamic banks across 13 countries between 2000 and 2012. We also calculate the accounting information-based Z-score and nonperforming loan (NPL) ratio for the purpose of comparison. The results show that Islamic banks have significantly lower credit risk than conventional banks as based on DD. In contrast, and as expected, Islamic banks display much higher credit risk using the Z-score and NPL ratio. These findings suggest that the measure chosen plays a significant role in assessing the actual credit risk of Islamic banks.
Thesis (PhD Doctorate)
Doctor of Philosophy (PhD)
Griffith Business School
Griffith Business School
Full Text

APA, Harvard, Vancouver, ISO, and other styles

4

Beqiri, Arlinda. "Corporate Governance and Banking Governance within Conventional and Islamic banking systems. : A Cross-case Study between Conventional banks in Sweden and Islamic banks in UK." Thesis, Karlstads universitet, Handelshögskolan, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:kau:diva-47998.

Full text

Abstract:

The aim of this study is to understand and analyse the relationship between corporate governance (CG) and banking governance (BG) in Conventional and Islamic banking systems. The reason for choosing this topic was because the regulations and banking systems within Conventional banks are differently in comparison to Islamic banks, which means that their corporate governance and banking governance are influenced by different mechanisms and therefore regulated differently. Since Conventional banks stands for a small amount of Islamic banks in their markets and Islamic countries do have Conventional banks in theirs, made this topic a good case study. Furthermore is Sweden a Conventional country where they don’t offer Islamic financial services and the UK is a Conventional country where they do, which was an interesting fact since both of them are European countries with similar regulations. The author of this thesis chose qualitative, semi-structured interviews, where six persons: three from Sweden and three from the UK stood for answers toward their banking systems. Since these respondents were standing on a high position within their organizations did they have the knowledge needed to answer the questions asked. The result showed that the relationship between CG and BC in Conventional and Islamic banking systems have an impact in the way different types of banks operate. Identifying the Conventional and Islamic banks differences and assessing on how the Corporate Governance and Banking Governance do operate solves the complexity in the system. Based on the findings, countries that are applying the Conventional system need to expand their regulations and mechanisms so that other systems could operate without a need for changes in their own. They also need to expand their knowledge, where the population needs to be familiar with other banking systems and services as well.

APA, Harvard, Vancouver, ISO, and other styles

5

Schoon, Natalie. "Residual income models and the valuation of conventional and Islamic banks." Thesis, University of Surrey, 2005. http://epubs.surrey.ac.uk/596/.

Full text

APA, Harvard, Vancouver, ISO, and other styles

6

Alsagheir, Abdullah Ibrahim M. "Strategizing in practice in Islamic and conventional banks in Saudi Arabia." Thesis, Durham University, 2014. http://etheses.dur.ac.uk/10555/.

Full text

Abstract:

This empirical research has explored strategizing in the banking sector in a non-Western context. Attention was drawn to strategy meaning, strategizing activities and strategy practitioners. A comparison of strategizing was made between Islamic banks governed by Shari’ah and non Islamic ones. Strategy practices and strategy practitioners have received little research attention. Hence, this research is influenced by the strategy as practice perspective to describe the context for strategy actors and strategizing practices. The importance of this study is derived from its focus on the micro level of strategizing and strategists in a cross cultural context. Its focal point is strategy practitioners from different levels of the organisation. A multiple case study approach was adopted. Data were obtained via 41 semi-structured interviews with purposively selected strategy actors, complemented by secondary data, from six of the 12 commercial banks in Saudi Arabia: two Islamic ones, two local conventional ones and two international banks. Findings reveal that no single consensus definition was expressed by strategists, yet there were similarities in the various conceptualizations they offered. Thirteen practices employed by practitioners were identified and classified as recursive or adaptive. This research provides insights into who the strategists (internal and external) are by focusing on capabilities and engagement. Findings confirm that social norms could restrict certain actors’ participation, such as the cultural barrier to women’s participation. The engagement of strategy actors in different practices varied, which means different strategy practices could be practised by different strategy actors; moreover, they differed in their level of influence. In terms of differences between conventional and Islamic banks, there was no distinction in the way strategy was perceived and practised. The only distinctive aspect was in terms of strategy actors, where in the Islamic banks, the Shari’ah Board and Shari’ah Group played key roles. The research contributes to the emerging s-as-p perspective with micro level, cross-cultural data, identifying 13 practices and linking them to modes, timing and actors.

APA, Harvard, Vancouver, ISO, and other styles

7

Hayek, Ali. "An evaluation of Islamic versus conventional banks' efficiency : a global study." Thesis, University of Huddersfield, 2016. http://eprints.hud.ac.uk/id/eprint/30305/.

Full text

Abstract:

The study compares the efficiency of Islamic and conventional banks, during the period 2006-2012, by employing a non-parametric approach- the Data Envelopment Analysis (DEA). In order to minimise the bias resulting from the inherent dependency in the first stage of the DEA, the DEA outcomes were replaced with the bootstrapped estimators and replicated them 500 times. Accordingly, confidence intervals are constructed for efficiency measures, which subsequently, improved further the accuracy of the findings and provided more reliable arguments for policy implications. The study applies a two-stage Data Envelopment Analysis. The first stage of the DEA compares banks based on their Overall Technical Efficiency (OTE) and its components (Pure Technical Efficiency (PTE) and Scale Efficiency (SE)). Although proven to be more resilient during the financial crisis (Farooq and Zaheer, 2015), the research found that Islamic banks to be normally on a par with their conventional counterparts in terms of PTE and that they were significantly higher in terms of OTE and SE . In addition, according to the study’s results, both Islamic and conventional banks suffered from managerial underperformance rather than a failure in operating at optimal production levels. In other words, Islamic and conventional banks were managerially inefficient in controlling their operating costs and utilising their resources. The second stage of the DEA, which accounts for the country- and bank- specific factors, confirms the findings that there was no significant difference in PTE between Islamic and conventional banks. Moreover, the findings imply that Islamic banks have no significance on pooled PTE and show no significant difference in PTE when compared to conventional banks during the entire period of the study including the financial crisis (2007-2009). In the light of the study’s empirical findings, Islamic banks should explore the benefits of moving to more diversified investments and tools in order to make use of their liquidity. Moreover, Islamic banks have to employ more solid risk management techniques in order to limit the number of risks, including credit risk, market risk, liquidity risk and operational risk, which may arise in the shari’ah banking industry. The research is extended to study the PTE determinants of four regions, namely, MENA, East Asia and Pacific, South Asia, and Europe and Central Asia. The outcomes show that PTE had a different significance for each region’s determinants related mainly to the levels of the indicators of governance, namely, Voice Accountability (VACC) and Regulation Quality (REGQ). The findings suggested that the more developed and democratic countries were favourable to banks having more operations that are efficient. In addition, these countries’ excessive regulation and supervision (i.e. limited financial freedom), encouraged financial institutions to create unclear new instruments and misjudge the risks. These resulted in the banks being less efficient. The study found, also, that there were different determinants for Islamic and conventional banks operating in Muslim and non-Muslim countries.

APA, Harvard, Vancouver, ISO, and other styles

8

Alkiyumi, Aiman Hamed Said. "Information asymmetry, credit risk, and profitability in Islamic and conventional banks." Thesis, University of Glasgow, 2018. http://theses.gla.ac.uk/8907/.

Full text

Abstract:

The thesis empirically investigates and compares some of the main aspects of Islamic and conventional banks during four periods: the pre-financial crisis, financial crisis, post-financial crisis and entire sample periods (2002-2015). Specifically, it investigates and compares the information asymmetry, credit risk and profitability in Islamic and conventional banks. For the information asymmetry investigation, a total sample of 211 Islamic and conventional publicly listed banks from Asia, Europe and Africa is used over the period 2002-2015. Quarterly data is retrieved from Datastream for the sample. However, for credit risk and profitability investigations, annual data for 225 Islamic and conventional banks are extracted from Datastream for the periods from 2002 to 2015 from Asia, Europe and Africa. The study aims to: (i) investigate and compare the degree of information asymmetry in Islamic and conventional banks for the pre-financial crisis, crisis, post-crisis and full sample periods; (ii) investigate and compare the degree of credit risk in Islamic and conventional banks for the pre-financial crisis, crisis, post-crisis and full sample periods; and (iii) investigate and compare the degree of profitability in Islamic and conventional banks for the pre-financial crisis, crisis, post-crisis and full sample periods. The empirical investigations provide important results in the three areas. First, the results show a significant difference in the information asymmetry level between Islamic and conventional banks for the crisis, post-crisis, and full sample periods. In fact, Islamic banks showed significantly lower information asymmetry levels than their counterparts in all information asymmetry proxy measures (i.e. Bid-Ask Spread, Share Turnover ratio and Stock Price Synchronicity SYNCH). These findings are robust with the intangibility ratio as a proxy of information asymmetry for all four periods (including the pre-crisis period). To the best of the author’s knowledge, such results are presented for the first time, and will add to the Islamic banking literature. Second, mixed results were found for the credit risk levels in Islamic and conventional banking credit risk for the four periods when Z-score and non-performing loans are used as credit risk proxy measures. However, the robustness check shows that there are no significant differences between Islamic and conventional banks in their credit risk for all of the different periods used in the study. This suggests that despite the different nature of both banks, their credit risk for the study periods do not statistically differ. These results contradict some prior studies conducted in the same area. Nevertheless, using only publicly listed banks, this thesis covers a longer period than other studies and investigates credit risk in four periods while using a combination of different control variables. Third, the results show that the profitability of Islamic banks is lower than conventional banks for the crisis, post-crisis and full sample period when using return-on-asset and return-on-equity as profitability measures. However, there are no significant differences between Islamic and conventional banks’ profitability during the pre-crisis period. These results are robust. Nevertheless, they affirm some prior studies’ findings and contradict others. This thesis uses up-to-date data for a longer period and investigates the profitability of publicly listed Islamic and conventional banks four different periods. Its findings add to the Islamic banking literature.

APA, Harvard, Vancouver, ISO, and other styles

9

Helmi, Mohamad Husam. "Essays on monetary policy with Islamic banks." Thesis, Brunel University, 2016. http://bura.brunel.ac.uk/handle/2438/12849.

Full text

Abstract:

This thesis examines three different aspects of monetary policy in a varying sample of developing countries, with some Islamic banks. The first essay estimates a variety of interest rate rules for the conduct of monetary policy for Indonesia, Israel, South Korea, Thailand and Turkey, in both high and low inflation conditions. The findings are that the reaction of monetary policy to both inflation and output gaps differs between the high and low inflation regimes and that the exchange rate channel is important only in the low inflation regime. The second essay examines the bank lending channel of monetary transmission in Malaysia, a country with a dual banking system, with both Islamic and conventional banks. The results show that Islamic credit is less responsive to interest rates shocks than is conventional credit, in both high and low growth conditions. In contrast, the relative importance of Islamic credit shocks in driving output and inflation is greater under low -inflation conditions and higher Islamic credit leads to higher growth and lower inflation in such conditions. The third essay re-examines the question of causality between credit and GDP between two sets of countries one set without Islamic banks and the other set with dual banking systems, including some Islamic banks. The results suggest long-run causality from credit growth to GDP in countries with only Islamic banks.

APA, Harvard, Vancouver, ISO, and other styles

10

Yusoff, Remali. "The stability of deposits in Islamic banks versus conventional deposits in Malaysia." Thesis, Durham University, 2004. http://etheses.dur.ac.uk/1832/.

Full text

APA, Harvard, Vancouver, ISO, and other styles

More sources

Books on the topic "Islamic and conventional banks"

1

Solé, Juan. Introducing islamic banks into conventional banking systems. [Washington, D.C.]: International Monetary Fund, Monetary and Capital Markets Dept., 2007.

Find full text

APA, Harvard, Vancouver, ISO, and other styles

2

Thani, Norzrul. An introduction to Islamic and conventional corporate finance. Petaling Jaya, Selangor, Malaysia: Thomson Reuters Malaysia, 2012.

Find full text

APA, Harvard, Vancouver, ISO, and other styles

3

USTAOĞLU, Murat, and Ahmet İNCEKARA, eds. Balancing Islamic and Conventional Banking for Economic Growth. Cham: Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-59554-2.

Full text

APA, Harvard, Vancouver, ISO, and other styles

4

1945-, Kohli Harinder S., and Ahmed Jaseem, eds. Islamic finance. New Delhi: SAGE, 2011.

Find full text

APA, Harvard, Vancouver, ISO, and other styles

5

Greuning, Hennie van. Risk analysis for Islamic banks. Washington, D.C: World Bank, 2008.

Find full text

APA, Harvard, Vancouver, ISO, and other styles

6

Greuning, Hennie van. Risk analysis for Islamic banks. Washington, D.C: World Bank, 2008.

Find full text

APA, Harvard, Vancouver, ISO, and other styles

7

Greuning, Hennie van. Risk analysis for Islamic banks. Washington, D.C: World Bank, 2008.

Find full text

APA, Harvard, Vancouver, ISO, and other styles

8

Greuning, Hennie van. Risk analysis for Islamic banks. Washington, D.C: World Bank, 2008.

Find full text

APA, Harvard, Vancouver, ISO, and other styles

9

Akram, Khan Muhammad. Rural development through Islamic banks. Markfield, Leicester: Islamic Foundation, 1994.

Find full text

APA, Harvard, Vancouver, ISO, and other styles

10

Risk management for Islamic banks. Edinburgh: Edinburgh University Press, 2013.

Find full text

APA, Harvard, Vancouver, ISO, and other styles

More sources

Book chapters on the topic "Islamic and conventional banks"

1

Al-Tamimi, Hussein A. Hassan, Adel Shehadah Lafi, and Md Hamid Uddin. "Bank Image in the UAE: Comparing Islamic and Conventional Banks." In Islamic Finance, 46–65. Cham: Springer International Publishing, 2016. http://dx.doi.org/10.1007/978-3-319-30918-7_4.

Full text

APA, Harvard, Vancouver, ISO, and other styles

2

Hamid, Baharom Abdul, Syed Najibullah, and Muzafar Shah Habibullah. "Marketing Effectiveness of Islamic and Conventional Banks: Evidence from Malaysia." In Islamic Banking, 51–80. Cham: Springer International Publishing, 2016. http://dx.doi.org/10.1007/978-3-319-45910-3_4.

Full text

APA, Harvard, Vancouver, ISO, and other styles

3

Quang Trinh, Vu. "Dual Banking System: Conventional and Islamic Banks." In Fundamentals of Board Busyness and Corporate Governance, 43–62. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-89228-9_4.

Full text

APA, Harvard, Vancouver, ISO, and other styles

4

Hussein, Kassim. "Bank-Level Stability Factors and Consumer Confidence — A Comparative Study of Islamic and Conventional Banks’ Product Mix." In Islamic Finance, 86–104. Cham: Springer International Publishing, 2016. http://dx.doi.org/10.1007/978-3-319-30918-7_6.

Full text

APA, Harvard, Vancouver, ISO, and other styles

5

Ibrahim, Haslindar, Jiunn-Shyan Khong, Zanaliza Abdullah, and Afizar Amir. "Corporate Governance Mechanisms and Financial Performance: A Comparative Study Between Local Islamic Banks and Local Conventional Banks in Malaysia." In Islamic Development Management, 75–104. Singapore: Springer Singapore, 2019. http://dx.doi.org/10.1007/978-981-13-7584-2_6.

Full text

APA, Harvard, Vancouver, ISO, and other styles

6

Biancone, Paolo, and Silvana Secinaro. "Framework and Functioning of the Islamic Bank and Differences with Conventional Banks." In Contemporary Issues in Islamic Law, Economics and Finance, 117–29. London: Routledge, 2022. http://dx.doi.org/10.4324/9781003155218-11.

Full text

APA, Harvard, Vancouver, ISO, and other styles

7

Kayhan, Selim, and Tayfur Bayat. "Contribution of Islamic Banks on Financial and Economic Stability: An Empirical Comparison Between Conventional and Islamic Banks." In Islamic Finance and Sustainable Development, 331–48. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-76016-8_14.

Full text

APA, Harvard, Vancouver, ISO, and other styles

8

Masood, Omar. "Productivity Growth in the GCC Banking Industry, 1999–2007: Conventional vs. Islamic Banks." In Islamic Banking and Finance, 69–96. New York: Palgrave Macmillan US, 2011. http://dx.doi.org/10.1007/978-1-137-00204-4_3.

Full text

APA, Harvard, Vancouver, ISO, and other styles

9

Causevic, Emina. "The Relationship Between the Performance of Islamic and Conventional Banks." In Lecture Notes in Networks and Systems, 256–64. Cham: Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-319-71321-2_23.

Full text

APA, Harvard, Vancouver, ISO, and other styles

10

Karim, Norzitah Abdul, Syed Musa Syed Jaafar Alhabshi, Salina Kassim, and Razali Haron. "Measuring Bank Stability: A Comparative Analysis Between Islamic and Conventional Banks in Malaysia." In Proceedings of the 2nd Advances in Business Research International Conference, 169–77. Singapore: Springer Singapore, 2017. http://dx.doi.org/10.1007/978-981-10-6053-3_16.

Full text

APA, Harvard, Vancouver, ISO, and other styles

Conference papers on the topic "Islamic and conventional banks"

1

Pavelka, Vivien, Gyöngyi Bánkuti, and Jozsef Varga. "The Comparative Analysis of the Islamic and Conventional Bank System in Turkey." In International Conference on Eurasian Economies. Eurasian Economists Association, 2016. http://dx.doi.org/10.36880/c07.01804.

Full text

Abstract:

The aim of our study is the comparative analysis of the Islamic and conventional bank systems in Turkey focusing on the years of the last financial crisis. The financial crisis of 2008 shocked the world and impeached the confidence in the conventional bank systems. It drew the attention to the alternative financial forms like Islamic banking. The best known specialty of the Islamic bank system is the prohibition of interests and speculative transactions. The question is: are Islamic banks more crisis-resistant than the conventional banks? Are they really more stable? We would like to get answers for these questions through analyzing the four Islamic banks and four conventional banks with the same size in Turkey. We set up three hypothesizes: 1. The profitability of the Islamic banks was higher during the crisis than the profitability of the conventional banks. 2. The liquidity of the Islamic banks was higher during the crisis than the liquidity of the conventional banks. 3. The leverage ratio of the Islamic banks was higher during the crisis than the leverage ratio of the conventional banks. The time horizon of the research is from 2007 to 2013 and we get the data from the annual reports of the banks.

APA, Harvard, Vancouver, ISO, and other styles

2

Mehmood, Khalid, Natalja Lace, and Irena Danilevičienė. "Comparative efficiency analysis of conventional banks and Islamic banks: in evidence of Pakistan." In 11th International Scientific Conference „Business and Management 2020“. VGTU Technika, 2020. http://dx.doi.org/10.3846/bm.2020.583.

Full text

Abstract:

The study evaluates the comparison and efficiency of Pakistani Islamic and conventional banks. Data are collected from the reports of banks website and state bank of Pakistan for the period 2013−2017. Used financial ratios for methodology and descriptive summary, correlation and Trend for analysis technique. The analysis shows conventional banks are more liquid, solvent and less risky. According to profit-ability ratio, Islamic banks are more profitable. Trend analysis shows, both banks have positive trends, but the conventional banks disclose more efficiency and positive trend. Conventional banks are technologically advanced and extensive, but the future of Islamic banks looking bright in case of Pakistan.

APA, Harvard, Vancouver, ISO, and other styles

3

Ascarya, Ascarya, and Diana Yumanita. "The Determinants of Net Interest Margin in Conventional and Islamic Banks in Indonesia." In International Conference on Eurasian Economies. Eurasian Economists Association, 2010. http://dx.doi.org/10.36880/c01.00171.

Full text

Abstract:

Indonesia has adopted dual banking system since 1998, when conventional bank operate side by side with Islamic bank. One measure of bank’s performance as intermediary institution to stimulate economic growth is net interest margin (NIM) in conventional bank or net profit-and-loss sharing/PLS margin (NPM) in Islamic bank. This study analyses the determinants of NIM and NPM in Indonesia using multivariate analysis and dynamic panel data to see the persistence of large NIM and NPM in the recent past, although policy rate has been decreasing significantly.

APA, Harvard, Vancouver, ISO, and other styles

4

Santoso, Teguh, Irlan Rum, and Kinanti Z. Patria. "Islamic and Conventional Banks Stability: A Comparative Analysis." In International Conference, Integrated Microfinance Management for Sustainable Community Development(IMM 2016). Paris, France: Atlantis Press, 2016. http://dx.doi.org/10.2991/imm-16.2016.2.

Full text

APA, Harvard, Vancouver, ISO, and other styles

5

Kaytancı, Bengül Gülümser, Etem Hakan Ergeç, and Metin Toprak. "Satisfactions of Islamic Banks’ Costumers: The Case of Turkey." In International Conference on Eurasian Economies. Eurasian Economists Association, 2013. http://dx.doi.org/10.36880/c04.00642.

Full text

Abstract:

Despite differences in the principles by which they operate between the participation (Islamic) and conventional banks, there is no huge difference between the products and the services provided by these banks. The distinctive features of the participation banks, compliance with the Islamic precepts, are not the only way for these banks to appeal to the customers. For this reason, customer satisfaction is an important element in the banking sector. The major goal of this study is to analyze the level of awareness and satisfaction among the customers of the participation banks. This study which uses the data compiled through the surveys held in Eskişehir with the participation of 500 Islamic bank customers reveals findings that suggest that most of the customers are satisfied with the products and services by the participation banks and that they have high level of awareness on the Islamic banking products.

APA, Harvard, Vancouver, ISO, and other styles

6

Harahap, Junardi, and Rita Destiwati. "Sharia Banks and Conventional Banks in Historical Perspective and Communication of Community Culture." In 1st International Conference on Islamic Ecnomics, Business and Philanthropy. SCITEPRESS - Science and Technology Publications, 2017. http://dx.doi.org/10.5220/0007079602190221.

Full text

APA, Harvard, Vancouver, ISO, and other styles

7

"Islamic Windows of the Conventional Banks: Challenges and Solutions." In 4th International Legal Issues Conference 2019. Ishik University, 2019. http://dx.doi.org/10.23918/ilic2019.65.

Full text

APA, Harvard, Vancouver, ISO, and other styles

8

Hatane, Saarce Elsye, Ferina Octavia, and Jeannete Florentina. "The Comparison of Earnings Management Practices in Indonesia’s Islamic Banks and Conventional Banks." In Proceedings of the International Conference on Tourism, Economics, Accounting, Management, and Social Science (TEAMS 2018). Paris, France: Atlantis Press, 2019. http://dx.doi.org/10.2991/teams-18.2019.22.

Full text

APA, Harvard, Vancouver, ISO, and other styles

9

Tálos, Lívia, Gyöngyi Bánkuti, and Jozsef Varga. "The Analysis of the Turkish Islamic Banking System Between 2005 and 2014." In International Conference on Eurasian Economies. Eurasian Economists Association, 2016. http://dx.doi.org/10.36880/c07.01803.

Full text

Abstract:

Islamic banking is a banking system that is based on the principles of sharia or Islamic law. The principles of Islamic finance forbid interest - this is commonly known as riba - charity (zakat), forbid high risk (gharar), forbid some transactions like gambling, and are based on PLS (Profit-Loss Share). The most important concept is that both charging and receiving interest are strictly forbidden; money may not generate profits. Islamic banks have largely survived the global economic crisis intact and they offer a safer operation than conventional banks. CAMEL analysis is a supervisory rating system to classify a bank's overall condition according to Capital (C), Assets (A), Management (M), Earnings (E) and Liquidity (L). In the analysis a variety of indicators were calculated based on data from the annual reports. The results of the four banks were averaged separately, then classified (1 = good, 2 = adequate, 3 = satisfactory, 4 = acceptable, 5 = unacceptable) according to the desired criteria, the changes over the years and the relative values of the four banks.

APA, Harvard, Vancouver, ISO, and other styles

10

Dahlia, Indah, Dian Imanina Burhany, and Sumiyati. "Disclosure of Corporate Social Responsibility in Islamic Banks and Conventional Banks and their Determinants." In International Seminar of Science and Applied Technology (ISSAT 2020). Paris, France: Atlantis Press, 2020. http://dx.doi.org/10.2991/aer.k.201221.104.

Full text

APA, Harvard, Vancouver, ISO, and other styles

Reports on the topic "Islamic and conventional banks"

1

MacDonald, Stuart, Connor Rees, and Joost S. Remove, Impede, Disrupt, Redirect: Understanding & Combating Pro-Islamic State Use of File-Sharing Platforms. RESOLVE Network, April 2022. http://dx.doi.org/10.37805/ogrr2022.1.

Full text

Abstract:

In the face of content takedown and account suspensions on the biggest social media platforms, terrorist groups and their supporters have resorted to the use of file-sharing sites to ensure stable access to their propaganda. Amongst those to have employed this strategy are supporters of the so-called Islamic State (IS). Yet, while studies have repeatedly highlighted the key role that file-sharing platforms play in the dissemination of IS propaganda, there has been little investigation of the strategic considerations that may influence the choice of file-sharing sites from the many available. To address this, this report uses data gathered from 13 public IS Telegram channels over a 45-day period in July - September 2021 to assess three possible strategic considerations: the features offered by different file-sharing sites (such as data storage capacity, maximum upload size, and password file protection); a platform’s enforcement activity; and the ability to generate large banks of URLs quickly and conveniently. Based on these findings, the report proposes a four-pronged strategy to combat the exploitation of file-sharing sites by supporters of IS and other terrorist groups: remove terrorist content at the point of upload; impede the automated generation and dissemination of banks of URLs; disrupt the posting of these URLs on other platforms; and redirect users to other content and support services.

APA, Harvard, Vancouver, ISO, and other styles

2

Regional Cooperation and Integration in Asia and the Pacific: Responding to the COVID-19 Pandemic and “Building Back Better”. Asian Development Bank, January 2022. http://dx.doi.org/10.22617/tcs210507-2.

Full text

Abstract:

Unprecedented challenges from the coronavirus disease (COVID-19) pandemic have emphasized the need for Asia and the Pacific countries to work together to build back resiliently and sustainably. This report reflects on lessons learned from efforts to tackle the pandemic through regional cooperation and integration. It provides insights on how region-wide solidarity can be enhanced with the support of multilateral development banks in areas such as trade and investment, connectivity infrastructure, people’s mobility, regional public goods, and policy cooperation. The report was jointly prepared by the Asian Development Bank, the Asian Infrastructure Investment Bank, the European Bank for Reconstruction and Development, the Islamic Development Bank, and the World Bank Group.

APA, Harvard, Vancouver, ISO, and other styles

We offer discounts on all premium plans for authors whose works are included in thematic literature selections. Contact us to get a unique promo code!