Analysis of islamic banking financial performance before, during and after global financial crisis

Rifqi Muhammad, Condro Triharyono
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引用次数: 12

Abstract

The purpose of this study is to analyze the difference of the financial performance of Islamic banking before, during, and after global financial crisis. This study uses CAMEL ratios which consist of Capital, Asset quality, Management, Earning, and Liquidity ratio. The samples are Islamic banks in South-East Asia and East Asia using secondary data from financial statements of those Islamic banks before (2006-2007), during (2008), and after (2009-2010) global financial crisis. This study examines the hypotheses using Analysis of Variance (ANOVA) as analytical tool. This result shows that there are differences performance on the variables of capital, asset quality, management and earning measured by return of asset (ROA) while earning measured by operating expense ratio (OER) and liquidity do not indicate any differences in financial performance during the period. Thus, banks need to strengthen their liability side during a financial crisis.
全球金融危机前、中、后伊斯兰银行财务绩效分析
本研究的目的是分析伊斯兰银行在全球金融危机之前、期间和之后的财务绩效差异。本研究使用CAMEL比率,由资本、资产质量、管理、盈余和流动比率组成。样本是东南亚和东亚的伊斯兰银行,使用的二手数据来自这些伊斯兰银行在全球金融危机之前(2006-2007)、期间(2008)和之后(2009-2010)的财务报表。本研究使用方差分析(ANOVA)作为分析工具来检验假设。这一结果表明,在资本、资产质量、管理和以资产收益率(ROA)衡量的收益变量上存在差异,而以营业费用率(OER)和流动性衡量的收益并未表明期间财务绩效存在差异。因此,在金融危机期间,银行需要加强负债方面的能力。
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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10 weeks
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