Journal articles on the topic 'Kuwait banking sector'

The aim of this paper is to evaluate the practices of customer relationship management (CRM) strategy implementation in the Gulf Banking sector, contextualizing with Kuwait. There is broad consensus in the literature that improving and enhancing the relationship with customers is imperative and a determinant factor to gaining competitive edge in the marketplace. The financial sector in general, particularly the banking sector, has taken on a pro-active role in the Kuwaiti economy and, accordingly, susceptible to wide-ranging reforms which are profoundly impacting sector-specific competitive tactics and strategies. This study provides a preliminary evaluation of the evolutionary trends of CRM strategy implementation through a developed model, the antecedents and consequences in relation to competitive positioning/repositioning of organizations in the Kuwaiti banking sector.

Current literature has not examined gender employment issues in Kuwait’s banking industry. This is a key knowledge gap as many women are entering the sector and might be facing discriminatory conducts in comparison to their male colleagues. The scarcity of available literature regarding the Kuwaiti banking sector and its equality practices calls for more research attention to detect discriminatory conducts and improve governmental legislation. This paper builds an international comparison between Kuwait and Britain’s established discrimination legislation. It uses a primary qualitative research method within two of Kuwait’s private banks to address the following questions: firstly, what is the nature of implemented gender equality policies and practices within the banks? This includes patterns of gender segregation, recruitment and selection processes, promotional opportunities and gender pay gaps. And secondly, how do Islamic and conventional banks differ with regards to their equality practices and gender career opportunities? The findings of the study were similar within both Islamic and conventional banks. Results indicated a strong prevalence within Kuwait of social and cultural factors, which shape gender roles and ideologies. Occupational gender segregation and thus pay inequalities were found to be a distinct feature of the sector in both countries. And this was linked to long working hours cultures, the unbalanced load of domestic and care burden between males and females, as well as discretionary managerial practices for selection, hiring and promotions. The paper highlights key areas of improvements with regards to equality practices and legislative policy planning in Kuwait.

<p>This paper aims at finding the effective factors that influence three sectors in Kuwait stock exchange market (KSE) in addition to the whole stock market. The three sectors are banking, real estate and insurance sectors. The paper measures KSE performance through the average share prices calculated on a quarterly basis starting from 2005 until first quarter of 2015. It is found that each sector behaves differently towards macroeconomic variables. The most important determinants for the KSE overall market performance were found to be gold price and the deposits rate. Individually, the banking sector is influenced by consumer price index, interest rate on loans, oil price and gold price. The insurance sector is influenced by money supply, residential real estate price and oil price. The real estate sector is influenced by the exchange rate with respect to US dollars, interest rate on loans, oil price and gold price.</p>

<p><em>This study is aimed at evaluating the impact bank specific and macroeconomic variables including the global financial crisis upon the performance of Islamic and conventional banks in Kuwait. The data are collected from nine banks operated in Kuwait over the period of 2005 to 2012 with four of them are Islamic banks and five are conventional banks. The ROA and ROE are used to measure profitability while the size, credit risk, bank diversification, efficiency, capital strength, and liquidity were used to measure bank specific variables. There are also three external variables that would be used to measure macroeconomic condition i.e. GDP growth, inflation, and financial crisis. The findings from pooled OLS have shown that credit risk, liquidity and efficiency significantly affecting profitability for both Islamic and conventional banks. For macroeconomic conditions, GDP is positively significantly affecting profitability of Islamic banking sector, while inflation is negatively affecting the profitability of conventional banking sector. The result also evidence that Islamic banking sector is more stable than the conventional banking sector in terms of their performance during and after the crisis period.</em></p>

This study aimed to identify the impact of business intelligence on strategic performance in commercial banks operating in the State of Kuwait the researcher used the descriptive analytical approach to introduce both business intelligence and strategic performance. The study population consisted of employees working in top and middle management in commercial banks operating in State of Kuwait. Stratified random sample amounting 363 subjects was used. 270 questionnaires were collected representing 74.3% of the total sample.
 
 The study concluded that business intelligence system ensures data processing using data storage techniques and data extraction to obtain consistent and qualified information, thus providing the required knowledge to achieve the strategic goals and objectives by end users and executives in the future. The researcher recommends that Kuwaiti banks should keep pace with developments in the field of business intelligence to be employed in a better way in enhancing its strategic performance, in addition to conduct future studies that follow the analytical approach to deepen its utilization in Kuwaiti commercial banking sector.

This study investigated the impact of corporate culture dimensions (empowerment, competence development, fair rewards and information sharing) on the affective, continuance, and normative organizational commitment in the banking sector in Kuwait. An empirical analysis was conducted across permanent, full-time and part-time employees (managers and non-managers) of five large private banks in Kuwait (n = 398). Both Exploratory Factor Analysis (EFA) and hierarchical regression analyses were used to draw the relationship between these variables. The results showed that sixty percent of variables confirmed previous studies and the remaining ones, surprisingly, were in conflict with previous studies due to some specific Kuwaiti cultural factors. Researchers are challenged to delve deeper into the complex relationship between variables since many of the studies have been conducted in Western societies; thus, the findings can be useful in future comparative studies. A replication of this study in other Arab countries with either the same corporate culture dimensions developed earlier or extended ones could reveal whether these results are country-specified or may be generalized to other countries.

In the past decade, Islamic banking (IB) has seen incredible growth. The purpose of this study is to determine the factors affecting perceptions of customers to adopt Islamic banking and finance. The primary data is collected through a questionnaire survey, conducted amongst university students and bank employees from three Gulf Cooperation Council (GCC) countries (UAE, Kuwait, and Saudi Arabia). This study applies a regression model by analyzing understanding (U), awareness (A), religious inspiration (RI), customer innovativeness (CI), and perceived risk (PR) as independent variables and customer perception (CP) as a dependent variable. The results indicate inclusively that perceptions of customers are optimistic regarding Islamic banking and finance. The findings reveal that all independent constructs significantly influence the perceptions of customers about Islamic financing. Resultantly, the research outputs have significant implications for Islamic regulatory bodies. The foremost implication of this research is to promote academic linkages with the banking sector, i.e. to conduct research studies related to customers’ perceptions about Islamic banking in other GCC countries. This research contributes to enhancing the theoretical perspective of customers’ perception to consider Islamic banking services and gives practical suggestions to help marketers of Islamic banks to maximize outreach. Moreover, the results can serve as a directive factor for future studies.

In stock markets, information plays a crucial role in determining trading dynamics and price discovery. In the investment decisions, an investor may have incomplete information regarding the firm-specific factors because of information asymmetry. Therefore, investors rely on market factors. Extensive work has been done on stock price synchronicity (SYNCH) from the dual banking system viewpoint. Therefore, the present study examines the association of Stock Price Synchronicity with Bank’s Disclosure items and Shariah Compliance using data of 138 banks for 09 years (2011-2019) by taking dual banking system countries. We consider 11 countries, i.e., Bahrain, Bangladesh, Kuwait, Lebanon, Malaysia, Pakistan, Qatar, Saudi Arabia, Turkey, UAE, and Yemen, for analysis. We select different banks based on these countries' dual banking systems and exclude two countries (UAE & Yemen) due to data availability issues. Data of 138 banks is analyzed using specific statistical techniques like descriptive statistics, correlation, Fisher-type unit-root test, endogeneity test, and generalized method of moments (GMM) by using STATA. In the analysis, we found that bank disclosure has a significant positive relationship with SYNCH. However, shariah compliance banks have a significant negative relation with SYNCH. Moreover, control variables which include banks profitability, and leverage have a significant positive relationship with SYNCH. The banks' size has a significant negative relationship because the size affects the banks according to the market.
 Keywords: Stock Price Synchronicity, Bank’s Disclosure, Asymmetric Information, Banking Sector.
 JEL Classification: D82, G21

The objective is to assess the disclosure practices of human capital in the banking sector of the Gulf Council Countries. This study aims to assess the level and quality of human capital disclosure and to investigate the consistency among countries. The study investigates the human disclosure practice of eight banks from each the six gulf countries with a total of 48 banks out of the 56 national banks over five years. The paper develops the variables of the disclosure index based on long discussion with professional and researchers. The disclosure index is computed for each variable for all banks under the sample. Compensation comes as the most disclosed variable with an average score of 2.87 Whereas knowledge is the least disclosed variable with an average score of 0.75. The Bahrain banks score the first level of disclosure with a disclosure score of 391, followed by UAE, Qatar, and Kuwait.

Empirical research on how Islam influences leaders' behaviours and business practices is not easily available. The separation of church and state has never been an Islamic precept; therefore, this paper investigates how Islamic religion affects ethical leadership amongst Kuwait's private sector leaders. Using a constructionist approach within which 40 leaders from Kuwaiti private sector organisations were interviewed, in the banking, investment, real estate and services sectors. The study provides important insights into the concepts related to good and ethical leadership in a non-Western environment and enriches our knowledge in this sector of the management field.

Purpose While some work on how employee perceptions of corporate social responsibility (CSR) affect behavioral outcomes has been examined, less work simultaneously investigates whether employee perceptions of internal and external CSR influence the behavioral outcomes of incumbent employees working in organizations. The purpose of this paper is to draw on social exchange theory arguments to investigate the direct and indirect effects of internal and external CSR practices on employee organizational citizenship behavior (OCB) and intention to quit. Design/methodology/approach An empirical study was conducted among 664 employees working in the banking sector in Kuwait. Structural equation modeling techniques were used to test the suggested hypotheses. Findings The results reveal that both internal and external CSR activities are positively related to OCB and OCB is negatively associated with intention to quit. Results also show that distributive justice moderates the relationship between OCB and intention to quit. Practical implications These findings extend the literature on CSR and demonstrate that organizations engaged in CSR activities (internal and external) can enhance citizenship behaviors among employees and thereby increase retention rates. Originality/value This research demonstrates the importance of CSR activities in tax-free countries, particularly, in the Gulf Cooperation Council (GCC) region. Since employees in GCC countries are increasingly concerned about the CSR behaviors of organizations, CSR activities can allow local organizations to signal that they are good corporate citizens. Hence, CSR could be considered as a particularly critical source of competitive advantage for businesses in the region.

Purpose This paper aims to investigate the contextual dimensions that form leadership behaviour amongst Kuwait’s private sector leaders. Design/methodology/approach Using a constructionist approach within which 40 leaders from Kuwaiti private sector organisations were interviewed, in the banking, investment, real estate and services sectors, this paper focuses on two main areas of study: to critically examine the literature and identify the most contextual dimensions found to have significant influence on leadership behaviour and to verify first-hand how the identified dimensions are affecting leaders’ behaviour in the specified context. Findings The research finds that although the content of leadership may not change significantly, the context of leadership is important and is able to alter the quality and behaviour of leaders. Originality/value Empirically based knowledge about leadership in context is limited, as few studies to date have examined the importance of the contextual dimensions in explaining leadership behaviour.

The main purpose of this research is to estimate efficiency and its factors of Islamic banks in GCC countries during the period 2005-2014. In this study, efficiency is measured using data envelopment analysis (DEA), which is divided into technical efficiency (TE), pure technical efficiency (PTE), and scale efficiency (SE). The statistical methods to find the determinants are generalized least squares (GLS), generalized method of moments (GMM) and Tobit regressions. The DEA measures show that the highest efficiency found to be in Islamic banks in Kuwait. The statistical results demonstrate that size of banks is highly important to efficiency as larger Islamic banks could reduce their costs (based on economies of scale approach) and they could provide more services (more outputs) than smaller banks. Focusing on capitalisation, the results suggest that better capitalised banks have better efficiency. The lending services increase the efficiency significantly, which encourage Islamic banks in GCC region to focus more in providing loans. Furthermore, achieving profits is significantly and positively support the efficiency of Islamic banks. In contrast, foreign and local ownerships decreased efficiencies significantly. Additionally, banks in lower rates of economic growth operated more efficiently. Finally, the global financial crisis and Arab spring impacted the efficiency of Islamic banks in GCC countries dangerously. The strength point is that the efficiency of Islamic banks in GCC countries has not been affected by inflation (based on insignificant correlation between efficiency scores and inflation). These results actually help bankers and policy maker to evaluate the financial performance in banking sector. Moreover, identifying the positive and negative determinants allow banks to apply strategies to enhance efficiency.

The state of banking systems is an important issue. The purpose of this paper was to test whether the well-known CAMELS microeconomic methodology, generally used for ranking banks, is applicable to evaluating Islamic banking systems. The hypothesis was tested by implementing a method for a particular case, public, free data – from 2013 till the first quarter of 2018 – on Islamic banking systems from the “Islamic Financial Services Board” (IFBS) database. As expected, modifications were necessary. First, because of the lack of data (in Islamic databases, no data refer to the management (“M”)), and second, to avoid the subjectivity of the five-degree method and to reach more sensibility. Thus, a hundred-level (standardized) rating system was introduced – “CAELS 100”, where “100” refers to the levels. The other part of the methodology – creating a simple average of the (now level 100) rating of raw indicators to get the letters of CA(M)ELS in the relevant period – remained unchanged. After the data cleaning, only six countries (Bahrain, Egypt, Kuwait, Oman, Turkey, and the United Arab Emirates) were able to participate in the analysis.The result showed that Egypt, Turkey and Kuwait were the best ones respectively. Thus, it was concluded that this “CAELS 100” methodology is suitable for evaluating Islamic banking systems. AcknowledgmentThe research was supported by the project “Intelligent specialization program at Kaposvár University”, No. EFOP-3.6.1-16-2016-00007.

The study examines whether comprehensive income numbers reported under International Financial Reporting Standards (IFRS) have value relevance over net income in equity valuation. We use a sample of firms that are listed in Kuwait Stock Exchange from banking, investment, real estate, industrial, basic materials, telecommunications, consumer services, oil & gas and health care sectors during the years 2012-2015.The study applies a methodology used by Collins, Maydew and Weiss (1997) that is based on Ohlson (1995) equity valuation model and Theil (1971) technique to measure and compare the relative and the incremental explanatory power of comprehensive income and net income. The study provides evidence that comprehensive income is not superior to net income in equity valuation. Reporting other comprehensive income gains and losses as elements of the income statement produces a measure of earnings that decreases the explanatory power of the valuation model; decreases the incremental information content of earnings. Other comprehensive income gains and losses when added as an explanatory variable to the valuation model did not enhance significantly its explanatory power.The results we obtained supports the current requirement by the IFRS and US GAAP of deferring other comprehensive gains and losses and contributes to the literature on the value relevance of other comprehensive income gains and losses in emerging capital markets.

PurposeIn this paper family entrepreneurship and its banking support in Kuwait is discussed, as one of the wealthiest countries in the world. In the beginning is provided an overview of the Kuwaiti context of entrepreneurship and small- and medium-sized enterprises (SMEs), followed by discussion of family businesses' profile and benefits to the economy and society. The paper discusses the banking sector in Kuwait and its contribution to the development of family entrepreneurship and the small business sector in Kuwait.Design/methodology/approachFor purposes of this study a multiple case study approach and a snowballing sample was used.FindingsEven that, Kuwait is considered as an Islamic country, from the answers and comments that were received from our research, we concluded that most of the family businesses cooperate with conventional banks, instead of Islamic banks.Practical implicationsSeveral supporting products are described and analysed in this paper, which can help family business and SMEs' owners where to address when a support is needed. Also are provided information on similarities and differences between Islamic and conventional banking.Originality/valueThis paper is one of the first papers that discusses family businesses and entrepreneurship in Kuwait and the support they receive from Islamic and conventional banks. It provides original quotes from family business owners regarding this topic.

This paper examines the efficiency performance of the Islamic banks that consist of 14 countries namely Bahrain, Bangladesh, Iran, Jordan, Kuwait, Lebanon, Malaysia, Pakistan, Qatar, Saudi, Tunisia, Turkey, UAE, and Yemen during the period of 2004-2011 with 44 Islamic banks involved. The efficiency estimates of individual banks are evaluated using the Data Envelopment Analysis (DEA) approach. The empirical findings suggest that during the period of study, pure technical efficiency outweighs scale efficiency in the global Islamic banking sector implying that the Islamic banks have been managerially efficient in exploiting their resources to the fullest extent. The empirical findings seem to suggest that the global Islamic banks have exhibited high pure technical efficiency. During the period of study it is found that pure technical efficiency has greater influence in determining the total technical inefficiency of the Global Islamic banking sectors.

The development of Islamic finance is governed by Islamic laws (Shariah). The main principles that regulate all forms of transactions in Islamic banking activities include the prohibition of interest or usury (riba),the use of excessive risk (gharar), and gambling (maysir). The Islamic finance industry has become a prominent sector and is one of the fastest growing components of financial developments over the last decade in the global financial system. The availability of large numbers of Islamic finance products will increase significantlyas there have been a growing demand throughout the world, especially in OIC participating countries. Hence, the objective of this study is to identify the important factors that enhances financial development in the selected OIC countries (Malaysia, Indonesia, Jordan, Kuwait, Saudi Arabia, Sudan and Yemen). Three indicators of financial development were used; Islamic finance, broad money and liquid liabilities. The data used in this study is the panel data from the year 1990 to 2012 which were obtained from the International Monetary Fund, Islamic Banks and Financial Institutions Information (IBIS), and World Bank databases. This study employed pooled OLS, fixed and random effect model. The results indicate that there are significant relationships between Islamic finance and financial development. Specifically, this study found that liquid liabilities and Islamic finance are two factors that have significantly influenced financial development in the OIC countries. Furthermore, the findings suggest that the OIC governments are required to develop policies that would integrate Islamic finance into their financial system. These policies should be centred around regulatory framework and supervisory role to utilize Islamic finance for greater economic growth. Keywords: Islamic finance; financial development; OIC countries; pooled OLS, fixed effect; random effect

A strong capital adequacy ratio is crucial to a financial institution's success and helps it to survive any potential financial crisis. From Q1 2017 to Q4 2019, the influence of the Capital Adequacy Ratio (CAR) on the performance of Commercial Islamic Banks in MENA nations (Qatar, Oman, Bahrain, Kuwait, United Arab Emirates, Saudi Arabia, and Jordan) is examined. The performance measures utilized in this study are Return on Assets (ROA) and Return on Equity (ROE). The study's sample frame comprises all Islamic commercial banks in the designated MENA nations, with a sample size of 18 Islamic commercial banks. Panel data, fixed and random models, are applied in this study since there are multiple entities and time series. The findings of the study showed that the selected Islamic banks are committed to Capital Adequacy Ratio (CAR) which is defined under Basel III. This is considered the largest percentage regulated by the Basel Committee. The study also found that there is a statistically negative significant influence of CAR on both performance indicators ROE and ROA in the commercial Islamic banks in the selected MENA countries. The results of the study can be useful to a policymaker or decision-makers in the Islamic Banks industry. First, the research could be a reference to financial regulators such as central banks which may use the findings to provide regulation on optimal capital levels for local banks in terms of regulations, deregulations, and financial disruption. Next, the practice implications in the Islamic banking sector will provide them with insight as to how a bank’s capital influences its earnings. Hence, management can work towards attaining an optimal structure that maximizes their performance as well as identifying “best” and “worst” practices associated with capitalization levels.

From 1978 to 1981, Kuwait’s two stock markets, one the conservatively regulated “official” market and the other the unregulated Souk al-Manakh, exploded in size, growing to the point where the amount of capital actively traded exceeded that of every other country in the world except the United States and Japan. A year later, the system collapsed in an instant, causing huge real losses to the economy and financial disruption lasting nearly a decade. This Commentary examines the emergence of the Souk, the simple financial innovation that evolved to solve its rapidly increasing need for liquidity and credit, and the herculean efforts to solve the tangled problems resulting from the collapse. Two lessons of Kuwait’s crisis are that it is difficult to separate the banking and unregulated financial sectors and that regulators need detailed data on the transactions being conducted at all financial institutions to give them the understanding of the entire network they must have to maintain financial stability. If Kuwaiti officials had had transaction-by-transaction data on the trades being made in both the regulated and unregulated stock markets, then the Kuwaiti crisis and its aftermath might not have been so severe.

Penelitian ini bertujuan untuk mengetahui Peran Mediasi Komitmen Organisasional pada Pengaruh Big Five Personality dan Persepsi Dukungan Organisasi Terhadap Organizational Citizenship Behavior. Metode penelitian yang digunakan dalam penelitian ini adalah menggunakan metode deskriptif kuantitatif. Sampel yang digunakan dalam penelitian ini yakni perawat dan bidan pada RSUD Sultan Syarif Mohamad Alkadrie. Data diperoleh dari kuesioner yang kemudian diolah dan dianalisis dengan menggunakan analiais jalur melalui Doftware SPSS 17.00.Hasil penelitian menunjukkan bahwa Big FivePersonality dan Persepsi Dukungan Organisasi berpengaruh signifikan terhadap Komitmen Organisasional. Sementara itu Big Five Personality dan Persepsi Dukungan Organisasi juga berpengaruh langsung terhadap Organizational Citizenship Behavior. Sementara itu, Komitmen Organisasional berpengaruh terhadap Organizational Citizenship Behavior. Dari hasil analisis jalur diketahui bahwa variabel Komitmen Organisasional merupakan variabel mediasi antara Big FivePersonality dan Persepsi Dukungan Organisasi terhadap Organizational Citizenship Behavior. Kata Kunci : Komitmen Organisasional, Big Five Personality, Persepsi Dukungan Organisasi dan Organizational Citizenship BehaviorDAFTAR PUSTAKA Abdullah, I., Omar, R. & Rashid, Y. (2013). Effect of personality on organizational commitment and employees' performance: Empirical evidence from banking sector of Pakistan. World Applied Sciences Journal. 27. 140-147. Ali H. Muhammad, A. H., (2014). Perceived Organizational Support and Organizational Citizenship Behavior: The Case of Kuwait. International Journal of Business Administration, 5(3), 59-72. Ali, F.H., Rizavi, S. S., Ahmed, I., Rasheed, M. (2018). Effects of perceived organizational support on organizational citizenship behavior-Sequential mediation by well-being and work engagement. 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