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Hendra Eka Saputra and Zul Ihsan. "Comparison Of Good Corporate Governance(GCG) Implementation Practices In Islamic Commercial Banks In Indonesia." Syarikat: Jurnal Rumpun Ekonomi Syariah 4, no. 2 (December 28, 2021): 25–32. http://dx.doi.org/10.25299/syarikat.2021.vol4(2).8502.
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Sharia Banking in Indonesia has a Sharia Supervisory Board that can monitor the operation of Sharia banks so that they are different from other banks. It is hoped that with this monitoring system the operation of corporate governance will be better. This study aims to explain the differences in the application of Good Corporate Governance (GCG) between Islamic banking in Indonesia. Sharia Bank is a bank whose application is different from conventional banks. Where one of the differences is the existence of a Sharia Supervisory Board which ensures bank activities are based on sharia. Then conducted a study of Islamic banks during 2014 to 2018. This research method uses descriptive analysis based on data that has been reported by each Islamic banking. The results of the survey showed that BCA Syariah and BSM received the highest rating among other sharia banks. This explanation shows that the implementation of corporate governance has been "very good" and has been in accordance with the stipulated provisions. BNIS, BRIS, Bukopin Syariah Bank, Mega Syariah Bank, Panin Syariah Bank, Victoria Syariah Bank, and Maybank Syariah, each ranked 2 (two). This means that the implementation of corporate governance goes "well". Interestingly, the Muamalat bank which has been the oldest BUS in Indonesia is ranked 3 (three). This means that the application of corporate governance is "good enough". Some notes on Muamalat's bank that must be corrected.
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Z, Zulkifli, and Rispa Eliza. "DETERMINAN NET INTEREST MARGIN PERBANKAN NASIONAL: APLIKASI MODEL REGRESI DATA PANEL FIXED EFFECT." MIX: JURNAL ILMIAH MANAJEMEN 8, no. 3 (November 19, 2018): 640. http://dx.doi.org/10.22441/mix.2018.v8i3.012.
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The study aims to prove empirically the determinants of the performance of the net interest margin (NIM) ratio of banks listed on the Indonesia Stock Exchange (IDX) during the period 2005-2015 using the fixed effect panel data regression method with eleven banks selected as research samples. The results of the study found that the NPL, LDR, ROA, SBI, and Exchange Rate ratio significantly affected the NIM ratio performance. From the variables that significantly influence, the exchange rate variable is the most dominant variable, while the NPL ratio variable is the variable with the smallest influence. All independent variables, which consist of; CAR, NPL, LDR, BOPO, ROA, SBI, inflation, and exchange rates simultaneously affected the ratio of banking NIMs listed on the Indonesia Stock Exchange (IDX) during the period 2005-2015 significantly. Individually, the bank with the most sensitivity to changes in the NIM ratio is Bank International Indonesia Tbk (BII), while the least sensitive is Bank Victoria Indonesia Tbk (BVI)
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Carnegie, Garry D. "The accounting professional project and bank failures." Journal of Management History 22, no. 4 (September 12, 2016): 389–412. http://dx.doi.org/10.1108/jmh-04-2016-0018.
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Purpose The purpose of this paper is to examine the strategies and dynamics of the fledging accounting professional project in the context of boom, bust and reform in colonial Victoria. In doing so, the study provides evidence of the association of members of the Incorporated Institute of Accountants, Victoria (IIAV) (1886) and other auditors with banks that failed during the early 1890s Australian banking crisis, and addresses the implications for the professionalisation trajectory. Design/methodology/approach The study uses primary sources, including the surviving audited financial statements of a selection of 14 Melbourne-based failed banks, reports of relevant company meetings and other press reports and commentaries, along with relevant secondary sources, and applies theoretical analysis informed by the literature on the sociology of the professions. Findings IIAV members as bank auditors are shown to have been associated with most of the bank failures examined in this study, thereby not being immune from key problems in bank auditing and accounting of the period. The study shows how the IIAV, while part of the problem, ultimately became part of a solution that was regarded within the association’s leadership as less than optimal, essentially by means of 1896 legislative reforms in Victoria, and also addresses the associated implications. Practical implications The study reveals how a deeper understanding of economic and social problems in any context may be obtainable by examining surviving financial statements and related records sourced from archives of surviving business records. Originality/value The study elucidates accounting’s professionalisation trajectory in a colonial setting during respective periods of boom, bust and reform from the 1880s until around 1896 and provides insights into the development of financial auditing practices, which is still an important topic.
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Sari, Ihda Lasna, and Fajri Ryan Isnandar. "Analisis Kinerja Bank Syariah di Indonesia Dengan Pendekatan Sharia Maqashid Index (SMI)Tahun 2016-2018." MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) 11, no. 2 (March 22, 2021): 35–44. http://dx.doi.org/10.33558/maslahah.v11i2.2624.
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This study aims to analyze the performance of Islamic banks using the Sharia Maqashid Index.The variables used in this method adopt Abu Zahra’s maqashid sharia theory, namely Tahdhib alFardh (Individual Education), Iqamah al Adl (Enforcing Justice), and Jalb al Maslahah (Achievementof welfare). From these variables finally obtained 10 performance ratios used in measuring theperformance of Islamic banks, which are then given the respective weights. The existence of thismethod originated from the inadequacy of Islamic bank performance measurements that use generalperformance measurements commonly used in conventional banks in general. This performancemeasurement was promoted by Mustafa Omar, et al in 2008 in his research entitled “The PerformanceMeasures of Islamic Banking Based on the Maqasid Framework”. The object of this research is 12BUS in Indonesia. The data used is the annual report of 12 BUS in 2016-2108. The results of thisstudy indicate that among 12 BUS in Indonesia, Bank Panin Dubai Syariah obtained the highestSMI value with an index value of 36.75. These results indicate that Panin Dubai Syariah Bankhas a good performance using the Sharia Maqashid Index. Rank 12 BUS in Indonesia as follows:Bank Panin Dubai Syariah, Bank Victoria Syariah, BCA Syariah, Bank Muamalat Indonesia, BankSyariahBukopin, BTPN Syariah, Bank BRI Syariah, Bank BNI Syariah, Bank SyariahMandiri,MaybankSyariah Indonesia, Bank JabarBanten Sharia, and Bank Mega Syariah.
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Sari, Ihda Lasna, and Fajri Ryan Isnandar. "Analisis Kinerja Bank Syariah di Indonesia Dengan Pendekatan Sharia Maqashid Index (SMI)Tahun 2016-2018." MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) 11, no. 2 (March 22, 2021): 35–44. http://dx.doi.org/10.33558/maslahah.v11i2.2624.
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This study aims to analyze the performance of Islamic banks using the Sharia Maqashid Index.The variables used in this method adopt Abu Zahra’s maqashid sharia theory, namely Tahdhib alFardh (Individual Education), Iqamah al Adl (Enforcing Justice), and Jalb al Maslahah (Achievementof welfare). From these variables finally obtained 10 performance ratios used in measuring theperformance of Islamic banks, which are then given the respective weights. The existence of thismethod originated from the inadequacy of Islamic bank performance measurements that use generalperformance measurements commonly used in conventional banks in general. This performancemeasurement was promoted by Mustafa Omar, et al in 2008 in his research entitled “The PerformanceMeasures of Islamic Banking Based on the Maqasid Framework”. The object of this research is 12BUS in Indonesia. The data used is the annual report of 12 BUS in 2016-2108. The results of thisstudy indicate that among 12 BUS in Indonesia, Bank Panin Dubai Syariah obtained the highestSMI value with an index value of 36.75. These results indicate that Panin Dubai Syariah Bankhas a good performance using the Sharia Maqashid Index. Rank 12 BUS in Indonesia as follows:Bank Panin Dubai Syariah, Bank Victoria Syariah, BCA Syariah, Bank Muamalat Indonesia, BankSyariahBukopin, BTPN Syariah, Bank BRI Syariah, Bank BNI Syariah, Bank SyariahMandiri,MaybankSyariah Indonesia, Bank JabarBanten Sharia, and Bank Mega Syariah.
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Braun, Benjamin. "Central banking and the infrastructural power of finance: the case of ECB support for repo and securitization markets." Socio-Economic Review 18, no. 2 (February 20, 2018): 395–418. http://dx.doi.org/10.1093/ser/mwy008.
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Abstract The pre-crisis rise and post-crisis resilience of European repo and securitization markets represent political victories for the interests of large banks. To explain when and how finance wins, the literature emphasizes lobbying capacity (instrumental power) and the financial sector’s central position in the economy (structural power). Increasingly, however, finance also enjoys infrastructural power, which stems from entanglements between specific financial markets and public-sector actors, such as treasuries and central banks, which govern by transacting in those markets. To demonstrate the analytical value of this perspective, the article traces how the European Central Bank (ECB), motivated by monetary policy considerations, has shaped post-crisis financial policymaking in the EU. It shows that the ECB has played a key part in fending off a financial transaction tax on repos and in shoring up and rebuilding the securitization market. With market-based forms of state agency on the rise, infrastructural entanglement and power shed new light on the politics of finance.
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Worthington, Steve, and Peter Welch. "Banking without the banks." International Journal of Bank Marketing 29, no. 2 (March 2011): 190–201. http://dx.doi.org/10.1108/02652321111107657.
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Albanna, Hasan. "vulnerability of islamic banking." Global Review of Islamic Economics and Business 5, no. 2 (December 7, 2017): 094. http://dx.doi.org/10.14421/grieb.2017.052-03.
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The recent global financial crisis has renewed the focus on the resistance of Islamic banks in order to confront the crisis. While several empirical studies show that Islamic banks have no resist from the crisis. thus, Islamic banks run their business side by side with their counterpart and play the game under the same umbrella and the rules of game. In case of Indonesia, which implement dual banking system, Islamic banks have potential to be effected by the variables of conventional banks. Which mean, this condition led the Islamic banks have the vulnerable spot in economic life. This paper aim to examine the stability of Islamic banks and to discern dynamic behavior of Islamic banks to the macroeconomic variables such as GDP, inflation rate, exchange rate and interest rate. the measure of stability of Islamic banks formulated as z-score. Then, We use VAR/VECM analysis in order to see the dynamic behavior and the vulnerability of Islamic banks. the paper found several findings, first, during the global financial crisis, Islamic banks more stable than the conventional banks, while after the global financial crisis conventional banks tend to be more stable than Islamic banks. Second, From the IRF test display that Islamic banks react sensitively to the shock of interest rate. however, Islamic banks prohibit the practice of interest rate. even though, in practical reason, Islamic bank use interest rate as benchmarking to determine the price. This condition put the Islamic Banks in vulnerable condition. Third, the FEVD test showed that the stability of Islamic banks mostly contribute by its own stability then followed by GDP, interest rate, exchange rate and Inflation. At the seventh period the stability of Islamic banks mostly contribute by its stability then followed by Inflation rate, GDP, exchange rate and interest rate.
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Butzbach, Olivier, and Kurt E. von Mettenheim. "Alternative Banking and Theory." Accounting, Economics and Law - A Convivium 5, no. 2 (July 1, 2015): 105–71. http://dx.doi.org/10.1515/ael-2013-0055.
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AbstractUnlike business models of private banks based on profit maximization and shareholder-oriented governance, alternative banks (such as cooperative banks, government savings banks, and special purpose banks) share business models based on sustainable returns with longer time horizons, corporate missions that include social and public policy goals, and stakeholder-oriented governance. Strong evidence from recent research suggests that alternative banks often equal or outperform joint-stock banks in terms of efficiency, profitability, and risk management. This counters core ideas in contemporary banking theory and expectations of regulators about the superiority of private ownership and market-based banking. Concepts and theories from banking studies help explain how alternative banks outperform private banks in core functions such as creating and managing liquidity, pooling deposits, and reducing information asymmetries and agency costs. However, heterodox theories of the firm and institutional approaches to competitive advantage broaden the scope of analysis to explain further historical, social, and organizational advantages (and risks) in alternative banking. Alternative banks therefore require, and may inspire, alternative theories of banking and new approaches to bank regulation.
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Kumar Basu, Udayan. "Banking in India." Foreign Trade Review 40, no. 2 (July 2005): 24–35. http://dx.doi.org/10.1177/0015732515050202.
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Commercial banks play a very important role in the economy of any country. They constitute the most useful intermediary in the financial markets, who have a vital role in ensuring the efficacy of all monetary and fiscal measures. Their continued good health and sustained viability are therefore of immense significance for any economy. Measures to ensure their well-being are of paramount importance in order to maintain a high level of investor confidence. In India, financial liberalization has opened up new vistas for the commercial banks and they can now operate as universal banks offering, under one roof, all kinds of financial services including project financing and leasing. Besides, banks are allowed to go in for investment in securities also. However, the guidelines for direct lending have not been touched so far. Consequently, there are restrictions on the ways in which banks in India can deploy their available resources. In this article, an analysis has been carried out to show how such structural restrictions translate into what is often termed as interest rate rigidities for banks. How the loan losses impact on their interest spread as well as the urgent need to improve the framework for recovery of banks' NPAs has also been gone into. Moreover, the scope for moral hazards in banks, which are limited liability entities, has been explored and need for efficient risk management as well as effective risk-based supervision for ensuring their sustained viability has been analyzed and commented upon. A cut-off risk for bankable projects has also been worked out. The findings are interesting because the analysis takes into account the real life constraints faced by the banking sector and the results reflect the realities of this sector.
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Nisha, Nabila, Mehree Iqbal, and Afrin Rifat. "Green Banking Adoption." International Journal of Technology and Human Interaction 16, no. 2 (April 2020): 69–89. http://dx.doi.org/10.4018/ijthi.2020040106.
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Today, commercial banks of the most environmentally affected countries invest voluntarily in social and environmental activities that targets socially-responsive business in the form of green banking. However, state-owned banks often encounter challenges in doing so since they operate in centralized manner and often lack in resources, government support and client base compared to commercial banks. Moreover, green banking initiates major changes in working environment and alters the provision of banking services for bankers in developing countries like Bangladesh. Given such challenges, it is important to examine the attitude of bankers working in state-owned banks towards the adoption of green banking. Findings claim that central bank regulations, followed by facilitating conditions and environmental concerns, are some of the factors that influence bankers' overall perceptions. Results indicate that bankers are fairly pragmatic in developing general attitudes towards the use of green banking as part of their work activities in all state-owned banks.
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Alandejani, Maha. "An Overview of Efficiency and Profitability in Islamic Banking: A Comparative Study between Islamic Banking and Conventional Banking." Social & Management Research Journal 19, no. 1 (February 28, 2022): 209–34. http://dx.doi.org/10.24191/smrj.v19i1.17675.
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Islamic banks are similar to conventional banks, but differ in some practices, financial contracts, and transactions. The functions and transactions of Islamic Banking and Finance (IBF) are based on Sharia principles, which involve risk sharing. Therefore, there is a significant difference in the applications of lending and investment between Islamic and conventional banks. This review paper aims to map IBF- measurement that related to efficiency and profitability issues, by presenting briefly the nature of IBF, including the prohibition of interest and gambling, with the definition of IBF instruments. It reviews the most valuable existing empirical literature that investigated the efficiency and profitability of Islamic banking, which shows that the business model and techniques for measuring performance in Islamic banking does not differ significantly from that of conventional banking. This paper also discusses the critical terms in the financial methods that are used in IBF studies. It is found that the objectives of profit maximisation and cost minimisation are not vital for IBF and the performance of Islamic banks should be evaluated with indication of the level of promoting socio-economic development. Our finding concludes that, the social objectives of Islamic banks can be achieved after adapting new structures, not only for Islamic banks, but also for central banks, and banking regulations
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Utama, Andrew Shandy. "Digitalisasi Produk Bank Konvensional Dan Bank Syariah Di Indonesia." Jurnal Justisia : Jurnal Ilmu Hukum, Perundang-undangan dan Pranata Sosial 6, no. 2 (December 5, 2021): 113. http://dx.doi.org/10.22373/justisia.v6i2.11532.
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Technological developments make the world borderless. The development of information and communication technology has touched the banking sector. Based on the operational system, the types of banks can be divided into conventional banks and Islamic banks. This study aims to explain the digitalization of conventional bank products and Islamic banks in Indonesia. The method used in this research is normative legal research. The development of information and communication technology has touched the banking sector. As one of the efforts to increase bank capability, more optimal utilization of information technology development is a prerequisite in supporting bank service innovation. Therefore, digital banking is a very potential business opportunity and an inevitable necessity in the banking sector in the digital era. In addition to increasing the efficiency of bank operational activities, digital banking can improve the service quality of conventional banks and Islamic banks to customers in transactions. The Financial Services Authority of the Republic of Indonesia then issued Financial Services Authority Regulation Number 12/POJK.03/2018 concerning the Implementation of Digital Banking Services by Commercial Banks. There are forms of e-Banking services that can be used at conventional banks and Islamic banks, namely ATM (Automated Teller Machine), EDC (Electronic Data Capture), internet banking, SMS banking, mobile banking, e-Commerce, phone banking, and video. banking
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Nduta, Rosemary Wangari, and Jane Wanjira. "E-Banking Strategy and Performance of Commercial Banks in Kenya." International Journal of Current Aspects 3, no. V (October 24, 2019): 147–65. http://dx.doi.org/10.35942/ijcab.v3iv.68.
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Technological innovations in the aspect of electronic banking (e-banking) have progressively advanced and changed the manner in which banks offer services. The use of varied forms of technological innovations has become a key strategy that influences the competitiveness and performance of commercial banks. Subsequently, banks are investing more in adopting and implementing innovative e-banking strategies. Although numerous studies have inspected the effect of e-banking on banks across the world, the knowledge gap is that few studies have examined the impact of e-banking strategies on commercial banks’ performance in Kenya. The objectives of this study were to predict the impact of agency banking, mobile banking, the use of ATMs, and internet banking on the commercial banks’ financial performance in Kenya. Agency theory, contingency theory, diffusion of innovations theory, and technology acceptance theory formed the theoretical basis of this study. In its research design, the study used the descriptive approach. The target population comprised managers of 40 commercial banks and the study utilized the purposive sampling method to select 100 respondents comprising of 40 senior managers and 60 operations managers. Descriptive statistics, correlation, and regression analysis were used to analyze data. Correlation analysis indicated that mobile banking (r = 806, p = 0.000), agency banking (r = 0.737, p = 0.000), internet banking (r = 0.466, p = 0.000), and ATM banking (r = 0.547, p = 0.000) have statistically significant relationships with the commercial banks’ performance. Findings indicate that e-banking accounts for 71% (R2 = 0.710) of the variation in the commercial banks’ performance. Moreover, the study found out that e-banking strategies of agency banking and mobile banking are statistically significant predictors (p<0.01, while internet banking and ATM banking are statistically insignificant predictors (p>0.01). Based on these findings, the study concludes that rely on e-banking strategies in enhancing their performance, particularly mobile banking and agency banking. Furthermore, the study concludes that ATM banking and internet banking contribute minimally to the commercial banks’ performance in Kenya. Thus, the study recommends banks to optimize mobile banking and agency banking because they are statistically significant predictors while increasing awareness of internet banking and addressing insecurity issues of ATM banking. Thus, further research should consider establishing factors that account for the unexplained variances of 29% in the performance of commercial banks.
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Vdovin, A. "Russian-Chinese Banking Cooperation." World Economy and International Relations, no. 6 (2015): 28–38. http://dx.doi.org/10.20542/0131-2227-2015-6-28-38.
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The article considers current status and trends of Russian-Chinese cooperation in the banking sector. Firstly, it examines scope of activities and main results of specialized inter-state mechanism of deepening inter-bank cooperation between Russia and China. Secondly, a detailed analysis of Chinese banking institutions’ operations in the Russian market is given. The author points out that until now the main reasons for the Chinese banks’ activities in the Russian market have political nature while purely commercial considerations are of secondary importance. The client base mainly consists of Chinese companies and enterprises doing their business in Russia. The revenues of Chinese banks here are primarily generated by interest income. Chinese banks demonstrate low-key approach to searching of new and expansion of existing areas of their business. There is no evidence of major expansion in investment and lending to local businesses, deepening work in the retail sector, etc. Chinese banks retain limited geographical presence in Russia. Thirdly, the scope and trends of Russian banks’ activities in China are analyzed. The author explains extremely weak presence of Russian banks in China (including Hong Kong) and lack of dynamism in their operations in the local market. The key problems are singled out. Mostly, they are determined by the specifics of the Chinese banking sector functioning. In particular, tangible complexity persists in attracting funding from Chinese banks. The documentary operations (letters of credit, factoring) are not yet actively used in the work with the Chinese market. The commercial incentives to work with China remain small for the Russian banks. A general conclusion is drawn that in short term one should not expect any serious penetration of Russian banks into the PRC.
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Ahmed, Sarwar Uddin, Ashikur Rahman, Samuel Parvez Ahmed, and Wali Ullah. "Pricing Linkage between Islamic Banking and Conventional Banking: The Case of Bangladesh." International Journal of Finance & Banking Studies (2147-4486) 3, no. 4 (July 21, 2014): 84–97. http://dx.doi.org/10.20525/ijfbs.v3i4.193.
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Islamic banking is based on profit and loss mechanism where the use of interest is prohibited. Unlike conventional banks, these banks do not charge a specific rate of interest, rather provides financing in exchange for profit sharing. However, there are studies claiming that, in practice, Islamic banking is same as conventional banking with regard to the use of interest. It is also claimed that, Islamic deposits are not interest-free, but are closely attached to conventional deposits. On this background, the objective of this study is to examine the relationship between pricing in Islamic banks vis-à-vis conventional banks by taking the case of Bangladesh. We have used monthly data during the period of 2009-2013. The findings of the study showed that, there is no statistically significant difference between the monthly average lending rates of Islamic banks and conventional banks. However, there is significant difference between deposit rates. The existence of causal relationship was inconclusive, and requires further analysis.
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Татар, М. С., Ю. А. Нужнова, and К. М. Рябус. "ВПЛИВ ІНОЗЕМНОГО КАПІТАЛУ НА БАНКІВСЬКУ СИСТЕМУ УКРАЇНИ В УМОВАХ ГЛОБАЛІЗАЦІЇ." TIME DESCRIPTION OF ECONOMIC REFORMS, no. 3 (October 18, 2019): 66–75. http://dx.doi.org/10.32620/cher.2019.3.08.
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Formulation of the problem. In the last five years the number of insolvent banking institutions was reduced, however, the percentage of banks with foreign capital in the total number of banks was increased, which may affect the banking system stability and require a research of the positive and negative effects of foreign banks on Ukraine banking system. The aim of the research is analizing trends of the foreign capital presence in Ukraine banking sector and determination its positive and negative impact on Ukraine banking system. The subject of the research is the activity of foreign banks in Ukraine. The methods of the research: logical and meaningful method, method of comparison, methods of induction and deduction, etc. The hypothesis of the research. Existence of significant influence of foreign capital on Ukraine banking system. The statement of basic materials. The main tendencies of development of Ukrainian banks and place in ratings of state-owned banks and banks of foreign banking groups are analyzed. It has been found that according to different ratings, banks of foreign banking groups occupy the first leading five positions in the rating, while banks with state-owned shares occupy mostly middle positions. The positive and negative influence of the presence of foreign banks in the territory of Ukraine on the banking system of Ukraine is analyzed. The originality and practical significance of the research is determination the positive and negative impact of foreign capital banks on Ukraine banking system. Conclusions and perspectives of further research. Positive and negative influence of presence of foreign capital banks on the Ukraine banking system is analyzed, which is the basis for further research, in which it is planned to quantify the power of influence of individual banks with foreign capital on Ukraine banking system development, to determine the effectiveness of attracting foreign banking capital in Ukraine, to form a mechanism for admission of banks with foreign capital to the domestic banking services market.
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Ordoñez, Guillermo. "Sustainable Shadow Banking." American Economic Journal: Macroeconomics 10, no. 1 (January 1, 2018): 33–56. http://dx.doi.org/10.1257/mac.20150346.
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Banking regulation is beneficial because it constrains banks' portfolios to prevent excessive risk taking. But given that regulators usually know less than a bank about its investment opportunities, regulation comes at the cost of foregoing profitable investments. I argue that shadow banking improves welfare because it provides a channel to escape excessive regulation that is asymmetrically more valuable for banks with access to efficient investment opportunities. I propose a novel intervention that improves welfare further by taxing shadow activities, subsidizing regulated activities and allowing banks to self-select into being regulated or not. (JEL D82, G21, G28, G31, G32, L25)
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Ahmed, Sarwar Uddin, Ashikur Rahman, Samuel Parvez Ahmed, and G. M. Wali Ullah. "Pricing Linkage between Islamic Banking and Conventional Banking: The Case of Bangladesh." International Journal of Finance & Banking Studies (2147-4486) 3, no. 4 (January 19, 2016): 84. http://dx.doi.org/10.20525/.v3i4.193.
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<p><em>Islamic banking is based on profit and loss mechanism where the use of interest is prohibited. Unlike conventional banks, these banks do not charge a specific rate of interest, rather provides financing in exchange for profit sharing. However, there are studies claiming that, in practice, Islamic banking is same as conventional banking with regard to the use of interest. It is also claimed that, Islamic deposits are not interest-free, but are closely attached to conventional deposits. On this background, the objective of this study is to examine the relationship between pricing in Islamic banks vis-à-vis conventional banks by taking the case of Bangladesh. We have used monthly data during the period of 2009-2013. The findings of the study showed that, there is no statistically significant difference between the monthly average lending rates of Islamic banks and conventional banks. However, there is significant difference between deposit rates. The existence of causal relationship was inconclusive, and requires further analysis.</em></p>
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Rosyadi, Imron. "KOMPARASI EFISIENSI PERBANKAN SYARIAH DAN PERBANKAN KONVENSIONAL DI INDONESIA." Riset Akuntansi dan Keuangan Indonesia 2, no. 1 (April 14, 2017): 61–74. http://dx.doi.org/10.23917/reaksi.v2i1.3683.
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The purpose of this study was to: (i) acknowledge and examine the differences between the financial performance of Islamic banking with conventional banking, (ii) to analyze and explain the differences in efficiency levels between Islamic banking and conventional banking (iii) analyze and compare the efficiency of Islamic banking with banks conventional. The population used in this study is a commercial bank in Indonesia with 124 banking institutions with the details of five state banks and 119 private banks. sample of banking institutions in this study are 5 government-owned banking institution (s) and 12 institutions of Islamic banks. The method of analysis used in quantitative research is descriptive (analytic). Measurement and test efficiency and efficiency ratio of the difference of Islamic banking from conventional banking to use Supplier Data Analysis (DEA) and two different test mean (t-test). The results showed during the observation period 2012-2016, economic activities (banking) of Islamic banks are relatively more efficient than conventional banks Keywords: comparative, efficiency, financial performance
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Ismail, Naima, and Mohamad Sabri bin Haron. "Islamic Banks." INTERNATIONAL JOURNAL OF MANAGEMENT & INFORMATION TECHNOLOGY 10, no. 1 (June 25, 2014): 1754–61. http://dx.doi.org/10.24297/ijmit.v10i1.647.
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Islamic banks has development in many aspects in practical performance of banks function, this was a limited activity in service Banks and commercial processes. Later, it came to They possess financial power and ability to create Islamic loans. They possess financial power and ability to create Islamic loans. Economical union supported by banks is not restricted to a domestic sphere, but has expanded internationally as its operations enjoy fidelity and fulfillment between banking organizations in different countries. As banking systems Islamic banks had developed, they are no longer restricted to role of being financial and service organizations, but have become money market within public sector. Furthermore, they follow up monetary flows and banking securities, by playing positive role of providing the organized money market with enough information about commercial activities. In addition, as a financial mediator who has adequate statistics about other economical units, besides its main role in creating successful development plans and riskless investment.
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Asquith, Maria Teresa. "Milk Banks and Milk Banking." Journal of Human Lactation 2, no. 2 (September 1986): 74–75. http://dx.doi.org/10.1177/089033448600200208.
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Hughes, Vergie. "Milk Banks and Milk Banking." Journal of Human Lactation 3, no. 2 (June 1987): 47–48. http://dx.doi.org/10.1177/089033448700300207.
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Sia, Concepcion G., and Judith E. Palsgraf. "Milk Banks and Milk Banking." Journal of Human Lactation 3, no. 3 (September 1987): 100–101. http://dx.doi.org/10.1177/089033448700300305.
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Brilliant, Richard. "Banking on the Data Banks." Art Bulletin 74, no. 3 (September 1992): 374. http://dx.doi.org/10.2307/3045888.
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Ayeni, Akintunde, Oloruntoba David, and Arandong Jamok. "INTERNET BANKING AND FINANCIAL INTERMEDIATION IN THE NIGERIAN BANKING INDUSTRY." International Journal of Operational Research in Management, Social Sciences, and Education 8, no. 1 (2022): 45–62. http://dx.doi.org/10.48028/iiprds/ijormsse.v8.i1.04.
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The acceptance and deployment of internet banking service is expected to improve financial intermediation banking system by reducing cost of transactions, enhancing liquidity and increased financial intermediation. However, this is a far cry to what is being experienced in the Nigerian banking industry, as credit flow from banks have been on the decline. It has been revealed that the total credit from banks to the economy recorded a decline of #135.8bn from #15.74tn at the end of the fourth quarter of last year to #15.6tn in the first three months of 2020. These revelations suggest that Nigeria’s economic growth trajectory has been diminutive, as individuals have found it difficult to have access for either start-up or expansion of their businesses from banks. On this premise, this study was carried out to investigate the effect of internet banking on financial intermediation. In a clear departure from existing literature, the study factored in the moderating effects of interest rate and cash reserve ratio, which hitherto has been identified as key impediments to bank intermediation. Data was collected from 2009 to 2020 on monthly bases from the Central Bank of Nigeria (CBN) for the variables; financial intermediation (measured as ratio of currency outside banks to broad money supply), interest rate, cash reserve ratio and internet banking service for all commercial banks in Nigeria. Linear Regression models were formulated to achieve the stated objectives. Findings revealed that internet banking service has a negative insignificant effect on financial intermediation, the interaction between internet banking and interest rate has a positive insignificant effect on financial intermediation while the interaction between internet banking and cash reserve ratio has a negative insignificant effect on financial intermediation. It was recommended among others that the Central bank of Nigeria should make efforts to alleviate the cost of internet banking borne by banks. This will certainly reduce the burden on banks and make more money available for intermediation.
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Pambuko, Zulfikar Bagus, Nur Ichsan, and MB Hendrie Anto. "Islamic Banks’ Financial Stability and Its Determinants: a Comparison Study With Conventional Banks in Indonesia." IQTISHADIA 11, no. 2 (September 27, 2018): 371. http://dx.doi.org/10.21043/iqtishadia.v11i2.3346.
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<p><em>The research aimed to analyze the stability of Islamic banking industry and its determinants in Indonesia. The same analysis was also done to the conventional banking industry as Indonesia practices dual banking systems. Using monthly data on Indonesian Banking Statistics for 2008-2013, this research implemented the Banking Stability Index (BSI) model for predicting the bank's stability. The analysis began with measuring BSI then using VECM to examine the effect of variables on BSI. </em><em>The result showed that the BSI of both banking system was exhibiting the moderate level of stability though Islamic banking is </em><em>more stable and safe way of financing</em><em> than conventional banking. The shocks of inflation, exchange rate, efficiency, income diversity, liquidity, and Industrial Production Index responded positively by Islamic Bank' stability, while interest rate and market share responded negatively. In another hand, conventional bank' stability responded positively the shock of the exchange rate, income diversity, interest rate, liquidity, and market share, while other variables responded negatively. The results of shocking variables strongly indicated that the conventional banking is more vulnerable than Islamic banking. Islamic banking looked tend to the shock resistance and less volatile. This conclusion, however, might be still questioned as the BSI was not designed specifically for Islamic banking. </em><em>Therefore, constructing an Islamic BSI (under Islamic banking characters) was important to measure the banking stability more appropriate and to develop a proper early warning system for Islamic banking industry.</em></p>
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Sudarsono, Heri, Muamar Nur Kholid, Aidha Trisanty, Jannahar Saddam Ash Shidiqie, and Priyonggo Suseno. "Examining the adoption of mobile banking: Empirical evidence from Indonesian Muslim students." Banks and Bank Systems 17, no. 2 (June 27, 2022): 138–49. http://dx.doi.org/10.21511/bbs.17(2).2022.12.
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The shifting trend toward m-banking services has caused competition, as multiple banks compete to convince customers to adopt m-banking services, and so must deliver excellent services. As a result, banks must prioritize meeting client expectations and providing high-quality services to compete. This study aims to examine the factors influencing Muslim students’ intentions to use mobile banking (m-banking) in Islamic banks (IB), conventional banks (CB), and conventional Islamic banks in Indonesia (ICB). The study sample consisted of 315 Muslim students who use m-banking in Islamic banks, 369 Muslim students who use conventional banks, and 207 Muslim students who use conventional Islamic banks. The partial least square (PLS) method was used to evaluate the unified theory of acceptance and the use of technology (UTAUT) on Muslim students’ intention in using m-banking. Based on the value of the coefficient of determinant (R2), the UTAUT model in this study is classified as a moderate model. This study reveals that facilitating conditions (FC), habit (HA) and performance expectancy (PE) affect Muslim students’ intentions to use m-banking at Islamic and conventional banks. Meanwhile, the intentions of Muslim students who use m-banking in conventional Islamic banks is influenced by effort expectancy (EE), FC, HA and PE. Surprisingly, social influence (SI) has no effect on Muslim students’ intentions to use mobile banking at Islamic, conventional, and Islamic conventional banks.
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Swanson, Kara W. "Body Banks: A History of Milk Banks, Blood Banks, and Sperm Banks in the United States." Enterprise & Society 12, no. 4 (December 2011): 749–60. http://dx.doi.org/10.1017/s1467222700010661.
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My dissertation traces the invention and development of a new form of banking, body banking. Today, the body bank as an institution that collects, stores, processes, and distributes a human body product is a taken-for-granted aspect of medicine in the United States. We donate to blood banks, we cherish sperm bank babies, and we contemplate many sorts of banks, including cord blood banks, gene banks, and egg banks. Such institutions have existed for the past century in the metaphorical shadow of financial banks, and like those better-studied banks have stirred considerable controversy. The driving question behind my dissertation is simply, why banks? How did we come to use “bank” to apply to bodies as well as to dollars? More intriguingly, what does this analogy show us and what is it hiding?
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Giddey, Thibaud, and Malik Mazbouri. "Banking crises, banking mortality and the structuring of the banking market in Switzerland, 1850–2000." Financial History Review 29, no. 2 (August 2022): 247–70. http://dx.doi.org/10.1017/s0968565022000129.
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The Swiss financial centre, as it developed during the twentieth century, has for a long time been presented and perceived as a singularly stable and solid environment escaping crises and restructuring. This view, promoted by the dominant actors – private banks, cantonal banks and large commercial banks – presenting their own development, in a teleological vision, as success stories, is strongly challenged by more recent research developments. Our article deals with the evolution of banking demography in Switzerland between 1850 and 2000 and examines the exits of banking institutions from the statistics, identifying six periods of crisis and restructuring. The article proposes a new statistical series that makes it possible to scrutinise with a high level of granularity the banks that fail or are taken over, in particular by observing their category of bank and, for the period 1934–99, their size. It uses historical banking demography as a gateway to understand more broadly the phases of transformation of the financial centre. In doing so, this contribution questions the gap between the existence of significant phases of banking instability, their low importance in collective memory, and the perception of the Swiss banking sector as a model of stability. It also helps to refine our understanding of the evolution of the Swiss financial centre in general.
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Nurjannah, Afifah Zahroh, and Suryo Budi Santoso. "USE OF E-BANKING IN ISLAMIC BANKS IN INDONESIA." Computer Based Information System Journal 10, no. 2 (September 30, 2022): 7–12. http://dx.doi.org/10.33884/cbis.v10i2.5565.
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This article focuses on the use of computer bases in making bank accounts at Islamic banks, and later on the data will be compared with existing data in conventional banks. This is because in banking, there are two types of banks based on their operational activities, namely Islamic banks and conventional banks. The research in this article is a qualitative study, because it requires various information from Islamic banks and conventional banks. From the information obtained related to Islamic banks and conventional banks, both types of banks have used E-Banking services to make it easier for their customers. However, there are some differences regarding the E-Banking services provided by each bank. So with the research in this article, it is expected to be able to provide information regarding the differences in E-Banking services that exist in Islamic banks and conventional banks. The results of this study are able to provide information related to what e-banking is used by conventional banks and Islamic banks.
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Sumra, Sana Haider, Mohammad Khurram Manzoor, Hassan H. Sumra, and Momina Abbas. "The Impact of E-Banking on the Profitability of Banks: A Study of Pakistani Banks." Journal of Public Administration and Governance 1, no. 1 (June 2, 2011): 31. http://dx.doi.org/10.5296/jpag.v1i1.692.
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The proliferation and penetration of internet has opened new horizons and scenarios for the retail banking industry. The retail banks are now providing their products and services through the electronic medium; e-banking. E-banking is considered to have a substantial impact on banks’ performance. The aim of this paper is to examine the impact of e-banking on the profitability of Pakistani banks, in particular. This paper covers twelve banks across Pakistan. The study is qualitative in nature which examines different objectives which determine the performance of banks mainly in terms of profitability. It also discusses the effect of customers’ literacy on provision of services from banks’ perspective. It also discusses the basic motive of banks to adopt e-banking services. The study is done through taking interviews from the managers of these banks.The results show that e-banking has increased the profitability of banks, it has enabled the banks to meet their costs and earn profits even in the short span of time. The illiteracy of customers is not regarded as a major impediment in provision of their products and services. For banks, the main motive to adopt e-banking is to increase their clientage and to retain their customers. The profitability of banks has augmented in transitioning to e-banking medium.
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Benston, George J. "Universal Banking." Journal of Economic Perspectives 8, no. 3 (August 1, 1994): 121–43. http://dx.doi.org/10.1257/jep.8.3.121.
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Universal banks can offer the entire range of financial services within the bank or through subsidiaries. Most countries permit universal banking. In contrast, the United States is served only by specialized banks. Universal banking, particularly in Germany, is contrasted with specialized banking with respect to their effect on financial stability, economic development, other financial institutions, concentration of political and economic power, consumer choice, and conflicts of interest. This examination, including a review of relevant empirical studies, leads to the conclusion that universal banking offers many benefits and few costs to U.S. consumers.
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Abubakar, Abbas Said, and Dr Josiah Aduda. "ISLAMIC BANKING AND INVESTMENT FINANCING: A CASE OF ISLAMIC BANKING IN KENYA." International Journal of Finance 2, no. 1 (January 23, 2017): 66. http://dx.doi.org/10.47941/ijf.42.
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Purpose: The purpose of this study was to establish the effect of Islamic banking on investment financing in Islamic banks in Kenya.Methodology: This study employed descriptive survey design. The population of this research consisted of 8 commercial banks offering Shariah compliant products. The study used secondary data for the period 2009 to 2012. Data was analyzed using Statistical Package for Social Sciences (SPSS) and results were presented in frequency tables and figures. The data was then analyzed in terms of descriptive statistics like frequencies, means and percentages.Results: The study findings indicated that there were various Islamic banking products that Islamic banks used to finance their investments. This included motor vehicle financing, mortgage financing, asset financing, real estate financing, trade financing and SME financing. The study also indicated that there were various modes of financing used by Islamic banking such as profit and loss sharing, Ijara and murahaba. Regression results revealed that motor vehicle financing was statistically significant in explaining loans advanced to customers in Islamic banks. However mortgage financing, asset financing, real estate financing, trade financing and SME financing were not statistically significant in explaining loans advanced to customers in Islamic banks but they were positively correlated.Unique contribution to theory, practice and policy: The study recommends that the management of the banks to get well equipped and competent employees on Islamic banking products as most Islamic banks are currently managed by people who have been educated and trained in the conventional banking system. Thus, more time may be required for the unique characteristics of Islamic financial instruments to be completely accepted and understood by both bank personnel and customers. It is also recommended that the terms and conditions of acquiring a loan be made more appealing and considerate for more investors to approach the banks for assistance as the Shari`ah restricts the type of businesses for which Islamic banks can provide financing.
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Johora, Fatema Tuz. "A Comparative Performance Analysis of Conventional Banking and Islamic Banking in Bangladesh." Asian Accounting and Auditing Advancement 6, no. 1 (December 31, 2015): 59–71. http://dx.doi.org/10.18034/4ajournal.v6i1.36.
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Commercial banks can be said to be the major contributor to the financial market mechanism in Bangladesh. Two forms of commercial banking systems are functioning here: the conventional banking system and the Islamic banking system. The two banking systems differentiate each other according to their compliance with different norms, values, beliefs, and religious views while conducting business. Conventional banks follow borrowing and lending mechanisms while Islamic banks follow trading and investment mechanisms. Conventional banks provide and receive interest while receiving deposits and providing loans respectively. However, Islamic banks neither pay nor accept interest since it is prohibited in Islam. Rather they do business on the profit and loss sharing concept. The purpose of this experiential study is to compare the performance of both the banking streams and to discover the superiority of any one or at least to find out which one is performing better than the other in which area(s). For the intended performance comparison, all the public limited conventional commercial banks and all the (except one) Islamic commercial banks have been included in the calculation of financial ratios for the years 2007 to 2011. The researcher has calculated six profitability ratios including Return on Equity (ROE), Return on Assets (ROA), Net Interest Margin (NIM), Cost to Income Ratio (COINR), Net Profit Margin (NPM), and Earning Per Shares (EPS); four liquidity ratios containing Liquid Assets to Customer Deposits & Short Term Funds Ratio (LdCDSF), Loans to Deposits (LTD), Loans to Deposits & Borrowing (LTD&B) and Loans to Assets (LTA); four credit risk ratios comprising Capital to Assets Ratio, Common Equity to Assets Ratio (EQTA), Total Equity to Loan Ratio (EQL) and Non-Performing Loans to Loans (NPL). In addition to ratio calculation, the solvency of both the banking streams has also been calculated using a model called Bank-o-meter. The analysis concludes that conventional banks are dominating in profitability and liquidity whereas Islamic banks are leading in credit risk management and solvency maintenance.
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Easa, Nasser Fathi. "Knowledge Management at Banking Industry." International Journal of Customer Relationship Marketing and Management 10, no. 2 (April 2019): 21–34. http://dx.doi.org/10.4018/ijcrmm.2019040102.
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The present research reviews the literature had been done on knowledge management (KM) in the banking industry in different countries and provides further guidelines to ensure successful implementation of KM in banks. The findings indicated that the application of KM in banks started at the World Bank in 1996 and was followed by banks in several developed countries then spread out to different places in developing counties. The majority of banks in Western developed countries such as the UK and USA, Canada and Germany, are both human- and technology-oriented in terms of managing knowledge. The majority of KM studies in developing counties were exploratory using quantitative data to investigate to what extent these banks were aware of the importance of KM and how they practiced KM. Additionally, little research had been done to link KM in banks to different topics such as innovation, customer relation management and risk management. Finally, literature provided considerable conclusion to enhance effective KM implementations in banks.
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Dzombo, Gift Kimonge, James M. Kilika, and James Maingi. "The Mediating Effect of Financial Inclusion on the Relationship between Branchless Banking Strategy and Performance of Commercial Banks in an Emerging market Context: The Case of Kenya." International Journal of Economics and Finance 10, no. 7 (June 25, 2018): 161. http://dx.doi.org/10.5539/ijef.v10n7p161.
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Since 1990 to date, a lot of banking innovation has taken place in order to improve commercial banks financial performance. Branchless banking which involves the use of agency banking and electronic banking channels in the distribution of banking products and services is one such innovation. This study investigated the role of financial inclusion on the relationship between branchless banking strategy and financial performance of commercial banks in Kenya. The specific objectives of the study were to analyze the effect of agency banking and electronic banking channels on the financial performance of commercial banks in Kenya. The study also aimed at determining the mediating effect of financial inclusion on the relationship between branchless banking and financial performance of commercial banks in Kenya. The study adopted a correlational research design. A survey of all the 42 licensed commercial banks in Kenya was done. Both primary and secondary data on branchless banking and financial performance of banks was obtained from the commercial banks and Central Bank of Kenya banking annual supervision reports respectively. Return on Assets (ROA) was used as the main indicator of commercial banks financial performance. The amount of investment in agency and electronic banking was used as indicators for agency and electronic banking. Data analysis was done using SPSS and STATA statistical software. Study findings indicated that when used in isolation; both agency and electronic banking had a significant negative effect on the financial performance of commercial banks. However when agency and electronic banking channels were used together as a multichannel strategy, the effect on bank’s financial performance was found to be positive and significant at the 95 percent significance level. Study findings also indicate that the strength of the relationship between branchless banking strategy and financial performance of commercial banks in Kenya depends on the level of financial inclusion. The study recommends that for positive returns, commercial banks should invest in both agency and electronic banking as a multichannel strategy since these channels are complimentary to each other and calls on the government to come up with policies to foster financial inclusion within the banking industry in order for the industry to achieve maximum returns from branchless banking strategies.
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Auzin, I. S. "Investment banking as a promising area of banking." Scientific notes of the Russian academy of entrepreneurship 21, no. 2 (July 9, 2022): 26–30. http://dx.doi.org/10.24182/2073-6258-2022-21-2-26-30.
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Financial market participants are constantly trying to implement the adaptation of modern foreign products of banking institutions and innovative service tools as the formation of certain competitive advantages in this market.The Russian financial market is quite dynamic. It is no coincidence that many financial analysts note the fact that Russia is characterized by profound changes in the economic sphere, and especially in the banking services market.As banking institutions, it is customary to consider such organizations that collect funds from citizens of the country with special tools established by law, as well as transfer this capital to the process of use by various legal entities on the basis of the principle of repayment.Over the past few years, the banking institutions themselves have gradually changed their own status with the transformation from an additional financial instrument of the largest corporations into individual players in the market. A fairly rapidly developing area of such banking activity is investment banking (in other words, investment banking).For the first time, investment banking began to appear in the United States in the 30s of the last century, when, on a legislative basis, such banks were united into a separate conglomerate in order to manage the risks that arose as part of speculative operations in financial markets through deposits and customer deposits. This separation was further abolished, and commercial banks were again given the right to provide investment services.The subject of research in the article is the economic relations that arise in the process of intermediary activities of investment banks. The research results consist in identifying the actual features of the development of investment banking within the framework of the main types of investment activities of banks. The author substantiated the advantages of investment banks functioning as financial institutions, the main task of which is to attract investments for companies on a commercial basis or for state and municipal authorities.
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Hwa, Erh-Cheng, and Yang Lei. "China's Banking Reform and Profitability." Review of Pacific Basin Financial Markets and Policies 13, no. 02 (June 2010): 215–36. http://dx.doi.org/10.1142/s0219091510001925.
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Just as the worse global financial crisis since the Second World War threatens the survival of many global financial giants, the strong financial performance of the Chinese banks stands out. The record profits of Chinese banks are commendable considering that they were considered insolvent not too long ago. The paper reviews the reform strategy of Chinese state commercial banks and its implementation, as well as their strong financial performance in 2007 based upon the four largest listed state commercial banks. Even though a strong economy may have boosted performance, banking reform should have played a significant role in turning around Chinese banks.
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Korobov, Yury. "Banking competition and its development in Russia." SHS Web of Conferences 61 (2019): 01009. http://dx.doi.org/10.1051/shsconf/20196101009.
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The article discusses theoretical issues of banking competition as well as its ifluences on the development of banking system (transformation of the essence of a bank; change of the target setting in banking; transfer of emphasis from operations to services; universalization of banking; transition from individual services to integrated banking products; change of priority from price to non-price methods of competition; transition from extensive to intensive type of network development; increasing the role of near-banks and nonbank banks). Factors influencing banking competition in Russia are shown: both restraining (reduction in the number of banks; concentration of assets at the largest banks; uneven territorial distribution of banks; local character of banking markets) and strengthening (financial globalization; digitalization of economy; forming of new banking culture).
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Voinova, Yevheniia. "The competitiveness of Ukraine’s banks in the world banking market." Herald of Ternopil National Economic University, no. 4(90) (December 12, 2018): 81–98. http://dx.doi.org/10.35774/visnyk2018.04.081.
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The article examines the market of banking services in Ukraine through comparing indicators of competitiveness of Ukrainian banks and banks with foreign capital in the domestic market and global market. Taking into account the network-type structure of banks, six groups of banks are determined according to the degree of branching, namely: systemically important banks, all-Ukrainian equilibrium banks, all-Ukrainian concentrated banks, regional banks, local individual banks, closed banks. A particular emphasis is placed on a range of banking services and pricing policies of banks groups. The classification of factors developed by M. Yokoi-Arai and N. Yoshino is used in order to assess the competitiveness of Ukraine’s banks in terms of effectiveness and volume of services provided, information technology and resource management. About fifty indicators of banking activites performed by groups of banks with domestic and foreign capital are compared, and also best-performing banks in these groups are described based on the analysis of 82 operating banks in Ukraine. The article presents evidence that, under current conditions in Ukraine, banks with domestic and foreign capital are represented in all categories of banking services. It is pointed out that the highest competitiveness of Ukraine’s banks is observed in developing the network of ATM terminals, promoting Internet banking and, thus, a wide coverage of banking services. It is noted that Ukraine’s banks are less competitive in providing services for big businesses, international companies, funding projects, innovations and start-ups. The findings of the research paper can be useful for educational purposes as well as for professionals in the banking sector.
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Latifah, Luluk, and Ahmad Zahro. "AMANAH'S PHILOSOPHICAL VALUE IN SHARIA BANKING." Advanced International Journal of Banking, Accounting and Finance 2, no. 2 (March 13, 2020): 21–30. http://dx.doi.org/10.35631/aijbaf.22003.
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The philosophical value of the security is a very great value, which comes from Allah SWT, which is given to his creatures, and humans as the bearer of the highest mandatory value to carry out, maintain and implement it, with security between humans there will be a belief and this trust will ultimately cultivate an inner calm or soul. To find out and measure philosophical values of the trust in both conventional and Islamic banking, then in this study will present the results of the study with respondents divided into two groups, the first group is those with a bachelor's degree in general and the second group is those who have S2 degrees and doctoral candidates for Islamic Economics. Quantitative research methods, with frequency distribution and cross-tabulation of selected variables with data analysis using SPSS. Based on the results of the study, the values of security from the highest to the lowest are: In the first group of respondents, the values of security from the highest to the lowest are: (1) Value of Maintaining Trustworthiness, Islamic Banks get a value of 4.42 and a conventional bank of 3.67. (2) The value of responsible Islamic banks is 4.00 and conventional banks are 3.08. (3) The value of maintaining bank secrets, Islamic Banks is 3.92 and conventional banks are 3.83. (4) The trust value of Islamic Banks is 3.58 and conventional banks are 2.42. (5) Honest Value, carrying out the assignment of 2.17 for Conventional Banks and (6) Trust value in delivering messages 3.33 for Conventional Banks at Islamic Banks has the same value of 3.42. In the second group of respondents (1) The value of safeguards of customer secrets, Islamic banks get the highest value of 4.70. whereas Conventional Bank 4.0. (2) The value of guarding the customer's trust, Islamic banks get a value of 4.50 and Conventional Bank 3.60. (3) Value of liability, Islamic banks 4.40 and Conventional Banks 3.90. (4) Value can be trusted, Islamic banks get a value of 4.20, and Conventional Banks 3.40. (5) The value of honesty and ability to perform tasks, Islamic banks get a value of 4.10, while in conventional banks is the lowest value of 1.70.
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Dzombo, Gift Kimonge, James M. Kilika, and James Maingi. "The Effect of Branchless Banking Strategy on the Financial Performance of Commercial Banks in Kenya." International Journal of Financial Research 8, no. 4 (September 14, 2017): 167. http://dx.doi.org/10.5430/ijfr.v8n4p167.
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The Banking sector acts as the life blood of modern trade and economic development. Commercial banks influence, facilitate and integrate the economic activities like resources mobilization, poverty elimination, production, and distribution of public finance. The financial performance of commercial banks has great implications in the financial sector and in the country at large, and will still remain an important subject of concern by all the stakeholders in the banking industry. In the last two decades, a lot of banking innovation has taken place in order to improve commercial banks financial performance. Branchless banking which involves the use of agency banking and electronic banking channels in the distribution of banking products and services is one such innovation. This study purpose was to evaluate the effect of branchless banking on the financial performance of commercial banks in Kenya. The specific objectives of the study were to analyze the individual effects of agency banking and electronic banking channels on the financial performance of commercial banks in Kenya and the combined effect of both agency and electronic banking on the financial performance of commercial banks in Kenya. The study adopted an exploratory research design. A survey of all the 42 licensed commercial banks in Kenya was done. Both primary and secondary data on branchless banking and financial performance of banks was obtained from the individual commercial banks, Central Bank of Kenya banking annual supervision reports respectively. Return on Assets (ROA) was used as the main indicator of commercial banks financial performance. The amount of investment in agency and electronic banking was used as indicator for agency and electronic banking. Data analysis was done using SPSS and STATA statistical softwares. Descriptive statistics, diagnostic tests and tests of hypothesis were done. Data was presented using tables and charts. Study findings indicated that when used in isolation; both agency and electronic banking had a significant negative effect on the financial performance of commercial banks at 5 percent significance level. However, when agency and electronic banking channels were used together as a multichannel strategy, they had a significant positive effect on bank’s financial performance at 5 percent significance level. The study recommends that for positive returns, commercial banks should invest in both agency and electronic banking as a multichannel strategy since these channels are complimentary to each other.
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Yuksel, Serkan. "The causality between returns of interest-based banks and Islamic banks: the case of Turkey." International Journal of Islamic and Middle Eastern Finance and Management 10, no. 4 (November 13, 2017): 519–35. http://dx.doi.org/10.1108/imefm-12-2013-0133.
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Purpose This paper aims to shed light on the risk structure in the presence of Islamic banking. The author concentrates on the relationship between Islamic banking and conventional banking in Turkey. Islamic banking and conventional banking are considered to be different kinds of sources for funding. Returns in the conventional banking are expected to be heavily influenced by the interest rate in the money market. However, Islamic banking returns are interest-free so that interest rate changes are not expected to affect the deposit returns in Islamic banks. Interest rates in the economy are a proxy to highlight the general risk level of the economy. By looking at the causal relationship between the deposit returns of both Islamic banks and conventional banks, it is possible to address the different types of banking in the general risk structure of the economy. This is one of the first studies to address the mentioned difference in banking sector in Turkish economy. Design/methodology/approach This paper tries to identify the direction of causality between Islamic and conventional banking term deposit rates by means of Granger Causality. Also, Granger Causality test results will guide to explore the Islamic and conventional banking deposit return linkages. The author has extended the study with vector autoregressive analysis to understand the correlation structure between conventional deposit rates and the profit–loss sharing ratio of Islamic Banks. The author has also extended this study with impulse response functions to see whether the shocks hitting into the conventional banking affect Islamic banking and vice versa. Findings The results suggest that there is no significant clear relationship between both banking sectors. This result can be interpreted, as Islamic banks do not adjust their profit–loss sharing (PLS) ratios pegged to the interest rate offered by conventional banks. Also, conventional banks determine their interest rate without any connection to the Islamic banking PLS ratios. Overall results of this study contradict the findings of studies which conclude that Islamic banking might not be different from the conventional banking. It is reported that inferences from pair-wise Granger causality alone might be spurious, as the analysis based on non-stationary series can be a consequence of time functional characteristics of the time series. Social implications The results can be taken as counter evidence to the hypothesis “Islamic banks determine their PLS ratios based on the interest rates offered by conventional banks”. This address that the Islamic banks may offer alternative financing methodology which has different procedure. Hence, Islamic finance can be taken as an alternative method with its asset-based healthier structure. Originality/value This is one of the first studies to address the Islamic versus interest-based banking difference in banking sector in Turkish economy. This paper tries to identify the direction of causality between Islamic and conventional banking term deposit rates by means of Granger causality.
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Siddiq, Abbokar, and Ebrahim Al Gamal. "IMPACT OF CREDIT RISK AND CAPITAL ADEQUACY ON ISLAMIC AND CONVENTIONAL BANKING HEDGING." International Journal of Research -GRANTHAALAYAH 8, no. 10 (November 2, 2020): 198–206. http://dx.doi.org/10.29121/granthaalayah.v8.i10.2020.1410.
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This study aims to examine the relationship between credit risk and capital adequacy with the banking hedging of Islamic and conventional banks in Yemen. A sample of 4 conventional banks and 3 Islamic banks was used during (2012-2017). Using Pearson correlation and regression analysis, the study concludes that there is a statistically significant relationship between credit risk and banking hedging and a strong statistically significant relationship between capital adequacy and banking hedging. Based on the type of bank, results indicate a negative relationship but no statistical significance between conventional banks' credit risk and banking hedging. There is a statistically significant relationship between credit risk and banking hedging of Islamic banks. Capital adequacy positively interacts with the banking hedging in both banks.
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Regi, Bulomine, and Eugine Franco. "MEASURING CUSTOMERS’ ATTITUDE TOWARDS INNOVATIVE BANKING SERVICES OF PUBLIC AND PRIVATE SECTOR IN TIRUNELVELI DISTRICT." International Journal of Research -GRANTHAALAYAH 4, no. 5SE (May 31, 2016): 58–66. http://dx.doi.org/10.29121/granthaalayah.v4.i5se.2016.2725.
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The beginning of empowerment of banking customers for their own transactions started with the evolution of ATMs as a delivery channel. The emergence of innovative banking services such as Self Service Banking Technologies (SSBT) i.e ATMs/ Debit Card, Credit Card, Internet Banking (IB), Mobile Banking (MB) with the concept of “Anytime and Anywhere Banking” has intensified the need of innovative banking services. With the advent of internet, the application of innovative banking services has been proven as an effective way to reduce the costs of operation for the financial institutions. Innovative banking services do allow banks to reduce expenditures on physical structures. It is believed that the e-banking will help the banks to cut costs, increase revenue and become more convenient for customers to do banking transactions. The methodology used in the study four banks were selected for the study and 90 customers were selected from each bank purposively those who are using innovative banking services namely ATM/Debit Card, Credit Card, Internet Banking and Mobile Banking. Four banks were selected based on Technological Award 2013-14. The select banks are State Bank of India, Canara Bank of public sector and ICICI and AXIS of private sector banks. The interview schedule was categorised into six parts using TAM extension model framed by the researcher. So it is important to anlayse the customers’ attitude towards innovative banking services of public and private sector banks.
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Eha Hasni Wahidhani. "BANKING RISK ANALYSIS OF BANKING FINANCIAL PERFORMANCE (Empirical Study on LQ45 Registered Banking Period 2014 – 2019)." International Journal of Social Science 2, no. 2 (September 28, 2022): 1565–74. http://dx.doi.org/10.53625/ijss.v2i2.3621.
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Banking is one of the institutions that influence economic growth and becomes the only state financial intermediary, this causes the level of public confidence in depositing funds in the banking sector is very high. High public confidence in depositing funds in banks is also an influence and value for financial performance in banks. This banking risk can be minimized if the bank can manage and control the risk properly. Therefore from the beginning the bank must be able to identify problems or risks to come. Not only the banks should be able to identify future risks, the debtor should also be able to identify the risks to a bank by analyzing its financial statements to find out how high the level of health and performance at the bank. To find out how well a bank performs can be seen from profitability
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Liyanagamage, Champika. "Banking sector competitiveness." International Journal of Research in Business and Social Science (2147- 4478) 10, no. 2 (March 21, 2021): 195–202. http://dx.doi.org/10.20525/ijrbs.v10i2.1062.
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Despite core banking, banks also engage in off-balance-sheet (OBS) market activities. In many developed banking industries, OBS activities have grown to be significant during the last two decades. This paper provides rather scarce evidence on the competitiveness among banks for OBS activities and its impact on the degree of banking sector competition in Sri Lanka. Panzar-Ross H statistic approach employing in this study to estimate bank competition used a comprehensive set of bank-level data of the whole commercial banking sector in Sri Lanka covering the period 1996-2018. The first-round analysis of the study uncovers substantial differences among banks concerning the OBS activities. EGLS panel estimation procedure applied in this study provides evidence for a lower level of competitiveness among Sri Lankan banks for OBS activities. More interestingly, the findings further reveal that the degree of competitiveness for OBS activities has a significant positive impact on the overall competitiveness of the banking sector in Sri Lanka. These results suggest banking institutions re-visit their business models with greater emphasis on nonconventional banking activities in enhancing bank-level efficiency and hence positively contributing to the overall competitiveness of the banking sector.
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Söderström, Rebecca. "Regulating Banks in Europe." European Company Law 12, Issue 2 (April 1, 2015): 115–19. http://dx.doi.org/10.54648/eucl2015017.
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EU banking regulation has grown from a fundamental set of rules targeting the vast majority of banks, to a large amount of detailed rules with a focus to regulate the few very large banks in the Union. The EU passport for conducting banking business and other financial services was one of the first regulatory steps in this field. Today the rules are highly harmonized and also supervision is in focus not least since the Banking Union was set up.
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Ferli, Ossi. "FAKTOR MACROECONOMIC DAN BANK SPESIFIC DETERMINAN DARI PROFITABILITAS BANK DI INDONESIA DENGAN PENERAPAN INTERNET BANKING." Jurnal Ilmu Manajemen & Ekonomika 7, no. 2 (October 16, 2018): 103. http://dx.doi.org/10.35384/jime.v7i2.88.
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The purpose of this research is to use a linier regression model and analyze the effect of macroeconomic and bank spesific factors to profitability of banks in Indonesia considering the implementation of internet banking. Spesifically we analyze the performance different between banks with internet banking and non internet banking. We use data of 30 banks in Indonesia periode of 2008 until 2010.The result shows that macroeconomic and some of bank spesific factors also internet banking has a significant influence to banks profitability. The research also showed bank with internet banking has a better performance than non internet banking, mostly because the overall condition of the banks and that internet banking has been a complementary factor in bank service to their customer.Keywords: Internet banking, data panel, bank spesific, macroeconomic