PERFORMANCE OF ISLAMIC BANKING AND CONVENTIONAL BANKING IN BOSNIA AND HERZEGOVINA – A COMPARATIVE STUDY

Journal Human Research in Rehabilitation Pub Date : 2022-04-29 DOI:10.21554/hrr.042205

Edin Djedović, Irfan Djedović, Adna Alijagic

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Abstract

The main objective of this study is to compare the performance of two areas of banking in Bosnia and Herzegovina, that is, Islamic and conventional banking. In order to measure the performance of two banking sectors, profitability, efficiency and liquidity measures are implemented. For the purpose of the study secondary data from both banking sectors is used. The time interval covered in the study spans from 2008 to 2020. Ratio analysis and independent sample t-test is applied in order to check the characteristics of two banking sectors. Currently, studies investigating comparative performance of these two banking sectors in BiH are rare, therefore theoretical contribution will be evident. Practically, it will help bank customers to understand how Islamic banking sector performs relative to the conventional banking sector. Also, bank managers of selected banks will be able to compare performance of their banks relative to the other banks in terms of the ratios used in the study. The limitation of the study is that in Bosnia and Herzegovina there is only one bank that operates according to Islamic banking principles, which will represent Islamic banking sector in this study.

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波斯尼亚和黑塞哥维那伊斯兰银行与传统银行的绩效比较研究

本研究的主要目的是比较波斯尼亚和黑塞哥维那两个银行领域的表现，即伊斯兰银行和传统银行。为了衡量两个银行部门的绩效，实施了盈利能力，效率和流动性措施。为了研究的目的，我们使用了来自两个银行部门的二手数据。研究涵盖的时间间隔从2008年到2020年。采用比率分析和独立样本t检验来检验两个银行部门的特征。目前，调查波黑这两个银行部门比较绩效的研究很少，因此理论贡献将是显而易见的。实际上，它将帮助银行客户了解伊斯兰银行业相对于传统银行业的表现。此外，选定银行的银行经理将能够比较其银行相对于其他银行在研究中使用的比率方面的表现。这项研究的局限性在于，在波斯尼亚-黑塞哥维那，只有一家银行按照伊斯兰银行原则运作，在这项研究中将代表伊斯兰银行部门。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Journal Human Research in Rehabilitation

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