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Assets and Liabilities Management in Islamic Banking 伊斯兰银行的资产和负债管理
International Journal of Islamic Banking and Finance Research Pub Date : 2019-05-26 DOI: 10.46281/IJIBFR.V3I2.272
B. Bidabad, Mahmoud Allahyarifard
{"title":"Assets and Liabilities Management in Islamic Banking","authors":"B. Bidabad, Mahmoud Allahyarifard","doi":"10.46281/IJIBFR.V3I2.272","DOIUrl":"https://doi.org/10.46281/IJIBFR.V3I2.272","url":null,"abstract":"Purpose: In this paper, we are going to consider assets and liabilities management (ALM) structure and instrument in Islamic banking. Since in Islamic banking depositors take partnership in benefits of the bank, so Islamic banking follows to maximizing benefits of beneficiaries and among them depositors. Therefore, there are dissimilarities between ALM approaches in Islamic banking and conventional banking. First, this dissimilarity comes from differences in the accounting system in Islamic banking in comparison to conventional banking. Secondly, usury illegalness and its related jurisprudence specifications indicate that time is not the solely the effective factor on increasing equity (deposited capital) return; but profit and loss sharing resulted from investment in the real economy sector is the essential base in monetary transactions. These two important factors are considerable factors in Islamic ALM. \u0000Design/methodology/approach: we consider influence specifications of these factors in two banking approaches for creating Economic Value Added (EVA). \u0000Findings: Comparison of financial indices for the two types of banking leads us that Islamic banking is more efficient than conventional banking. \u0000","PeriodicalId":289590,"journal":{"name":"International Journal of Islamic Banking and Finance Research","volume":"73 3 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-05-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126106984","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 20
Islamic Monetary Policy and Rastin Swap Bonds 伊斯兰货币政策和拉斯丁互换债券
International Journal of Islamic Banking and Finance Research Pub Date : 2019-05-25 DOI: 10.46281/IJIBFR.V3I2.269
B. Bidabad
{"title":"Islamic Monetary Policy and Rastin Swap Bonds","authors":"B. Bidabad","doi":"10.46281/IJIBFR.V3I2.269","DOIUrl":"https://doi.org/10.46281/IJIBFR.V3I2.269","url":null,"abstract":"Purpose: This paper aims to examine monetary instruments in Islamic central banking framework. As a conclusion, to revive Islamic monetary policy, we should provide some public equity-based instrument as a necessary replacement for conventional bonds and treasury bills to activate non-usury open market operations. \u0000Design: We define a type of new negotiable bond as: “Rastin Swap Bonds (RSBs)”, which is based on swapping money between two persons for two different periods. \u0000Findings: RSB is a financial paper that observes the right for the lender to borrow an equal amount to his lending from the borrower. Four types of RSBs in domestic money and foreign currency are defined, and their Sharia allowances and monetary, fiscal, and financial effects are evaluated. \u0000Research limitations: This bond is a novel design, and it is required to be more elaborated for further practical development and adjustment. \u0000Practical implications: Islamic central banking is not different from conventional central banking as a whole, but the role of an Islamic central bank in conducting monetary policy is restricted to use interest-free monetary instruments in an environment that commercial banks are obliged to implement non-usury banking operations. \u0000Social implications: Islamic financial instruments should be usury-free and efficient in applying monetary, fiscal, and financial policies at different levels of the central bank, government and commercial banks and non-banking money and financial institutions. Rastin Swap Bond will serve as an important instrument for resource mobilization and will be a primary vehicle for the development of the Islamic capital market and central banking operations. \u0000Originality/value: Conventional interest-bearing bonds are not allowed in Islamic central banking. This restriction mostly distinguishes Islamic central banking from the conventional one in implementing monetary policy. \u0000Article Type: Technical paper \u0000JEL: G21, G28, H81 \u0000","PeriodicalId":289590,"journal":{"name":"International Journal of Islamic Banking and Finance Research","volume":"31 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-05-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115595201","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
Bail Financial Sharing (BFS): A Financial Subsystem of Rastin PLS Banking 保释金财务共享(BFS): Rastin PLS银行的一个财务子系统
International Journal of Islamic Banking and Finance Research Pub Date : 2019-05-25 DOI: 10.46281/IJIBFR.V3I1.266
B. Bidabad
{"title":"Bail Financial Sharing (BFS): A Financial Subsystem of Rastin PLS Banking","authors":"B. Bidabad","doi":"10.46281/IJIBFR.V3I1.266","DOIUrl":"https://doi.org/10.46281/IJIBFR.V3I1.266","url":null,"abstract":"To cover producers and consumers against future prices fluctuation risk, depositors can forward-purchase raw materials or products to be delivered at a specified time in the future through Bail Financial Sharing (BFS). Bail Financial Sharing is a subsystem of Rastin Profit and Loss Sharing (PLS) banking system, and in this regard, instructions, organization and application methods, and electronic devices and contracts are similar to the context defined in the Base System of Rastin PLS banking system. Bail Financial Sharing (BFS) enjoys from Bail Certificate innovation, which can play an important role in stabilizing and increasing efficiency of money and financial markets. Depositor (financer) receives digital Bail Certificate for this kind of participation, which is negotiable in the secondary Rastin Certificate market. Regarding the characteristics of this certificate and its clear substantial differences with futures derivative, it prevents unreal paper markets formation. The latest owner of the certificate is the owner of the commodity. Moreover, the depositor can ask the bank that the entrepreneur sells the commodity and pays the money –instead of commodity- to him at the end of the contract.","PeriodicalId":289590,"journal":{"name":"International Journal of Islamic Banking and Finance Research","volume":"21 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-05-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130449767","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 8
Rastin Crowdfunding (RCF): A Financial Subsystem of Rastin Banking Rastin众筹(RCF): Rastin银行的一个金融子系统
International Journal of Islamic Banking and Finance Research Pub Date : 2019-05-25 DOI: 10.46281/IJIBFR.V3I1.265
B. Bidabad
{"title":"Rastin Crowdfunding (RCF): A Financial Subsystem of Rastin Banking","authors":"B. Bidabad","doi":"10.46281/IJIBFR.V3I1.265","DOIUrl":"https://doi.org/10.46281/IJIBFR.V3I1.265","url":null,"abstract":"Expansion and development of social networks have provided new backgrounds for financial activities. Based on Rastin Banking Regulations, crowdfunding can be installed to apply social networks in the direction of Islamic finance. Two methods of crowdfunding are introduced in Rastin Crowd Funding. Sponsor Crowd Funding (SCF) is for the absorption of peoples’ funds for special protective goals in the form of non-profit and free payments to an entrepreneur through banks. Peer to Peer Loan (PPL) is defined for absorption and collection of peoples’ funds for extending interest-free loans to a specific project of an entrepreneur.Regarding the characteristics of crowdfunding and application of social networks, the Crowd Funding System (CFS) is used as a web-based portal for absorption and collection of money resources for crowdfunding project through social networks in Rastin Banking.","PeriodicalId":289590,"journal":{"name":"International Journal of Islamic Banking and Finance Research","volume":"16 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-05-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115488620","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 5
Rastin Group Funding (RGF): A Financial Subsystem of Rastin Banking Rastin Group Funding (RGF): Rastin Banking的一个财务子系统
International Journal of Islamic Banking and Finance Research Pub Date : 2019-05-25 DOI: 10.46281/ijibfr.v3i1.268
B. Bidabad
{"title":"Rastin Group Funding (RGF): A Financial Subsystem of Rastin Banking","authors":"B. Bidabad","doi":"10.46281/ijibfr.v3i1.268","DOIUrl":"https://doi.org/10.46281/ijibfr.v3i1.268","url":null,"abstract":"Rastin Group Funding (RGF) makes mobilization of limited and determined depositor’s resources for a specific project possible and shares depositors in the outcome of the projects with the intent of benefit and via the bank according to Rastin Banking rules. In Rastin Group Funding, after evaluation of the project proposal, and by observing the rules of the PLS Base System or the applied Financial Subsystem defined in Rastin Banking and considering the Rastin Banking Executive Bylaw; bank mobilizes the pre-specified depositors’ resources for a specific project; and after receiving necessary collaterals and guarantees allocates them to entrepreneur and performs supervision over the project execution. Bank receives capital management fee by supplying capital management services to depositors.","PeriodicalId":289590,"journal":{"name":"International Journal of Islamic Banking and Finance Research","volume":"48 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-05-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131473769","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 3
Rastin Swap Card (RSC): A Financial Instrument of Rastin Banking Rastin互换卡(RSC): Rastin银行的金融工具
International Journal of Islamic Banking and Finance Research Pub Date : 2019-05-25 DOI: 10.46281/IJIBFR.V3I2.271
B. Bidabad
{"title":"Rastin Swap Card (RSC): A Financial Instrument of Rastin Banking","authors":"B. Bidabad","doi":"10.46281/IJIBFR.V3I2.271","DOIUrl":"https://doi.org/10.46281/IJIBFR.V3I2.271","url":null,"abstract":"Rastin Swap Card is defined in Rastin Banking. This card is issued based on the Swap Contract in Rastin Banking or principle of sovereignty rights of contracts. In Rastin Swap Card there are two periods. In the first period card issuer lends money to the cardholder, and in the second period borrows money from card holder instead. At the first stage card issuer credits a certain amount of money for specific time duration to the card of cardholder and requests the cardholder to deposit the same amount for the same period at the end of the cited time duration (first maturity) in the issuer's deposit account. Card issuer and cardholder can agree for a combination of amount and duration for which the product of them (amount by the duration) be equal for both operations of lending money by the issuer and depositing by the cardholder.Rastin Swap Card (RSD) has no interest rate and is different from conventional debit and credit cards, but considering the ICT-based systems, RSD is being processed and managed through electronic banking systems. Rastin Swap Card can be issued in both local and foreign currencies. Bank receives a fee by offering Rastin Swap Card service. \u0000JEL: E43, E44, E52, E58, E62, E63 \u0000 \u0000 ","PeriodicalId":289590,"journal":{"name":"International Journal of Islamic Banking and Finance Research","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-05-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125785217","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 5
Rastin Swap Deposit (RSD): A Financial Account of Rastin Banking Rastin掉期存款(RSD): Rastin银行的一个财务账户
International Journal of Islamic Banking and Finance Research Pub Date : 2019-05-25 DOI: 10.46281/IJIBFR.V3I2.270
B. Bidabad
{"title":"Rastin Swap Deposit (RSD): A Financial Account of Rastin Banking","authors":"B. Bidabad","doi":"10.46281/IJIBFR.V3I2.270","DOIUrl":"https://doi.org/10.46281/IJIBFR.V3I2.270","url":null,"abstract":"This paper introduces Rastin Swap Deposit account as a new banking deposit account which is interest-free and is based on Swap Contract in Rastin Banking. In this depositing by opening the deposit, the depositor is entitled to use an interest-free loan to the amount and duration that his resources have been being deposited and then return the money back to the bank. Depositor and bank agree that a combination of money and duration be selected in such a way that the products of amount and duration in both operations of depositing and loaning be the same. From the time of depositing to the first maturity (the date that depositor requests loan), the depositor is lender and bank is borrower; and from the time of the first maturity to second maturity (the date that depositor returns the money back to the bank) depositor is borrower and bank is a lender. Rastin Swap Deposit (RSD) can be issued in both local and foreign currencies. \u0000JEL: E43, E44, E52, E58, E62, E63 \u0000","PeriodicalId":289590,"journal":{"name":"International Journal of Islamic Banking and Finance Research","volume":"4 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-05-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129860809","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 5
Installment Financial Sharing (IFS): A Financial Subsystem of Rastin PLS Banking 分期付款财务共享(IFS): Rastin PLS银行的财务子系统
International Journal of Islamic Banking and Finance Research Pub Date : 2019-05-25 DOI: 10.46281/IJIBFR.V3I1.267
B. Bidabad
{"title":"Installment Financial Sharing (IFS): A Financial Subsystem of Rastin PLS Banking","authors":"B. Bidabad","doi":"10.46281/IJIBFR.V3I1.267","DOIUrl":"https://doi.org/10.46281/IJIBFR.V3I1.267","url":null,"abstract":"Installment Financial Sharing (IFS) is a subsystem of Rastin Profit and Loss Sharing (PLS) Banking System, and the guidelines, instructions, organization, workflow and electronic mechanism of Rastin PLS Banking have been put forward for this subsystem as well. Profit in this financial sharing method is based upon the yield of the real sector, and bank as an intermediary of funds, receives a commission as like as an agent, and provides capital management and financial services to financer (depositor) and participates in investment project of the entrepreneur on behalf of the depositor. In installment Financial Sharing, the contribution of the depositor is paid back by installments and ownership of the project is finally transferred to entrepreneur.Financial innovations of \"Mughasatah Certificate\" and \"Musharakah Mughasatah Certificate\" and \"Rental Mughasatah Certificate\" are used in this subsystem. The financer (depositor) of sharing project receives a certificate, which is negotiable in Rastin Certificate Market via the internet.","PeriodicalId":289590,"journal":{"name":"International Journal of Islamic Banking and Finance Research","volume":"34 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-05-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125251903","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 6
Practice of Islamic Financial Management in Bangladesh: Evidence from Islamic Banks 孟加拉国伊斯兰金融管理的实践:来自伊斯兰银行的证据
International Journal of Islamic Banking and Finance Research Pub Date : 2019-01-17 DOI: 10.46281/IJIBFR.V3I1.227
S. Islam, T. Sultana
{"title":"Practice of Islamic Financial Management in Bangladesh: Evidence from Islamic Banks","authors":"S. Islam, T. Sultana","doi":"10.46281/IJIBFR.V3I1.227","DOIUrl":"https://doi.org/10.46281/IJIBFR.V3I1.227","url":null,"abstract":"The growing awareness of the systemic importance of Islamic banking and finance to the development has prepared the ground for the work of upgrading the existing Islamic banking practices. Hence, this study aims to evaluate the Islamic Financial Management (IFM) practices of Islamic banks in Bangladesh. In line with the objective of the study, several ratio analyses were conducted based on ANNOVA test and the sample size includes 8 Islamic banks from 2007 to 2013.The findings revealed that the Islamic banks in Bangladesh are homogenous; however, they are not financially healthy when liquidity measurements are concerned. Additionally, capital structure efficiency results revealed that most of the Islamic Banks in Bangladesh are practicing debt-based financing rather than equity. While the study has observed that the practices of IFM in Bangladesh are promising, however, there are numerous challenges encroaching the industry. Hence, immediate attention from the respective authorities, including practitioners and policy makers are indeed vital.","PeriodicalId":289590,"journal":{"name":"International Journal of Islamic Banking and Finance Research","volume":"83 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-01-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127724213","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 7
Theories Explaining Stock Price Behavior: A Review of the Literature 解释股票价格行为的理论:文献综述
International Journal of Islamic Banking and Finance Research Pub Date : 2018-12-10 DOI: 10.46281/IJIBFR.V2I2.215
Fatima Ruhani, MD Aminul ISLAM, T. S. T. Ahmad
{"title":"Theories Explaining Stock Price Behavior: A Review of the Literature","authors":"Fatima Ruhani, MD Aminul ISLAM, T. S. T. Ahmad","doi":"10.46281/IJIBFR.V2I2.215","DOIUrl":"https://doi.org/10.46281/IJIBFR.V2I2.215","url":null,"abstract":"Estimation of stock price behavior is important for several reasons and for different stakeholders in the market. Many studies are trying to put forward theories to explain this phenomenon and more still have tried to use these theories in order to predict future changes in prices. The growing linkages of national markets in currency, commodity and stock with world markets and the existence of common players, have given stock price behavior a new property – that of its speedy transmissibility across markets. The present study aims to review the existing literature of the theories explaining stock price behavior. To review the literature, this study presented the theories in two different eras. First era is the pre modern era in financial theory and the second one is the theories in modern financial economics with technological development","PeriodicalId":289590,"journal":{"name":"International Journal of Islamic Banking and Finance Research","volume":"201 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-12-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132577401","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 8
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