International Journal of Islamic Business & Management最新文献

THE IMPACT OF EXCHANGE RATE VOLATILITY ON FOREIGN DIRECT INVESTMENT: ARDL TESTING BOUND 汇率波动对外国直接投资的影响：汇率波动对外国直接投资的影响

International Journal of Islamic Business & Management Pub Date : 2024-07-17 DOI: 10.46281/ijibm.v8i1.2222

引用次数: 0

THE EFFECT OF EQUITY ON PROFITABILITY AND RISK: A COMPARATIVE STUDY BETWEEN ISLAMIC AND CONVENTIONAL BANKS 股权对盈利能力和风险的影响：伊斯兰银行与传统银行的比较研究

International Journal of Islamic Business & Management Pub Date : 2024-07-04 DOI: 10.46281/ijibm.v8i1.2220

{"title":"THE EFFECT OF EQUITY ON PROFITABILITY AND RISK: A COMPARATIVE STUDY BETWEEN ISLAMIC AND CONVENTIONAL BANKS","authors":"","doi":"10.46281/ijibm.v8i1.2220","DOIUrl":"https://doi.org/10.46281/ijibm.v8i1.2220","url":null,"abstract":"The nature of the relationship between equity and risk as well as equity and profitability has been the subject of two basic hypotheses in the literature: the structure-behavior-performance (SCP) approach for the capital-profitability relationship and the moral hazard approach for the capital-risk relationship. The objective of this article is to study the relationship between equity and risk and equity and profitability for 215 banks from 18 emerging countries. This study focuses on Islamic banks and conventional banks. We use a GMM estimator. The results obtained for Islamic banks regarding the relationship between equity and risk did not confirm the moral hazard hypothesis. Indeed, equity has a positive effect on risk with the three measures used (the variance of average economic profitability, the variance of average financial profitability, and the logarithm of Z-Score). The same goes for conventional banks. An increase (decrease) in capital leads to an increase in risk (decrease). As for the relationship between equity and profitability, we found a difference in results for the two types of banks studied (Islamic and conventional). Indeed, for Islamic banks, the SCP (structure-behavior-performance) theory is not verified. An increase (or decrease) in capital leads to a decrease (or increase) in profitability. This was found for the three profitability specifications used (average economic profitability, average financial profitability, and net interest margin). For conventional banks, equity positively affects profitability with its different measures, which is consistent with the structure-behavior-performance paradigm.","PeriodicalId":447800,"journal":{"name":"International Journal of Islamic Business & Management","volume":" 3","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141678574","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: 0

COVID-19 AND THE PERFORMANCE OF ISLAMIC BANKS IN INDONESIA 2019冠状病毒病与印尼伊斯兰银行的表现

International Journal of Islamic Business & Management Pub Date : 2022-12-30 DOI: 10.46281/ijibm.v6i1.1900

{"title":"COVID-19 AND THE PERFORMANCE OF ISLAMIC BANKS IN INDONESIA","authors":"","doi":"10.46281/ijibm.v6i1.1900","DOIUrl":"https://doi.org/10.46281/ijibm.v6i1.1900","url":null,"abstract":"Covid-19 has an impact on the profitability of Islamic Banks in Indonesia. Islamic banks' profitability in Indonesia tends to decline during a covid-19 outbreak. Although declining, the profitability indicators measured by Return on Asset and Net Operating Margin are more stable than Return on Equity. The average Return on Equity declined sharply in the fourth quarter of 2021. This study aims to analyze the determinants of the profitability of Islamic banks, including internal bank factors and macroeconomic indicators during the covid-19 outbreak. This study uses a quantitative approach with the fixed effect method. This study employs panel data from 8 Islamic commercial banks from 2020q1 to 2021q4. The results show that capital adequacy, disbursed financing, and operational efficiency has a negative and significant effect on the profitability of Islamic banks. Financing risk and bank size have no significant effect on the profitability of Islamic banks. Macroeconomic indicators such as economic growth, inflation, interest rates, and exchange rates have no significant effect on the profitability of Islamic banks. During the covid-19 pandemic, to increase profitability, banks need to reduce the capital and financing provided to customers. On the other hand, to increase profitability, Islamic banks need to reduce unnecessary costs so that income is not eroded. Macroeconomic indicators do not influence the performance of Islamic banks. This shows that Islamic commercial banks are more resistant to economic turbulence.","PeriodicalId":447800,"journal":{"name":"International Journal of Islamic Business & Management","volume":"103 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115442975","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

THE METHODOLOGY OF ISLAMIZATION OF KNOWLEDGE: A CONCEPTUAL STUDY 知识伊斯兰化的方法论:一个概念性研究

International Journal of Islamic Business & Management Pub Date : 2022-12-30 DOI: 10.46281/ijibm.v6i1.1897

{"title":"THE METHODOLOGY OF ISLAMIZATION OF KNOWLEDGE: A CONCEPTUAL STUDY","authors":"","doi":"10.46281/ijibm.v6i1.1897","DOIUrl":"https://doi.org/10.46281/ijibm.v6i1.1897","url":null,"abstract":"Islamization of knowledge (IOK) merges ethical principles of Islam with the finest contemporary intelligence to reach a new ijma (consensus) pertinent to divine pieces of knowledge, sciences and scientific methods that are compatible with Islamic teachings, ethics and values. Islamizing knowledge and thought are crucial to attaining the objective of Islam in human existence regardless of their religious or geographical identities. It, therefore, is fit to be incorporated in most pure sciences. The process of IOK often in its commencement emphasizes the style and method above its substance to circulate its essence through an appropriate structure. It values the higher objective, Islamic teachings and ethics in its process, which are Islam's foundation in socio-political and epistemological paradigms. There is an actual obscure for any embryonic paradigm to pattern a dynamic methodology, and IOK is not unconventional from that obscure. Although IOK characteristically upholds its strength in terms of its methodological features of direct and indirect divine scriptures, which remarkably minimize the obstacles in its journey, yet, there is a pressing need for the investigation of current methodology and adoption of newly devised methodologies based on the sources of knowledge and whose proposal is to be the aim of the study. A descriptive approach of the qualitative method will be followed to achieve the study's objective.","PeriodicalId":447800,"journal":{"name":"International Journal of Islamic Business & Management","volume":"5 3 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127732261","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: 0

THE IMPACT OF ISLAMIC FINANCE TOWARDS HALAL PRODUCT DEVELOPMENT AND PATRONISING HALAL SMES IN NIGERIA 伊斯兰金融对尼日利亚清真产品开发和光顾清真中小企业的影响

International Journal of Islamic Business & Management Pub Date : 2022-12-30 DOI: 10.46281/ijibm.v6i1.1902

{"title":"THE IMPACT OF ISLAMIC FINANCE TOWARDS HALAL PRODUCT DEVELOPMENT AND PATRONISING HALAL SMES IN NIGERIA","authors":"","doi":"10.46281/ijibm.v6i1.1902","DOIUrl":"https://doi.org/10.46281/ijibm.v6i1.1902","url":null,"abstract":"The study assesses the level of Islamic finance on halal awareness, products, certification, and brands through the behavioural intention to patronise Islamic SMEs products for better Halal production, as most of the SME's products neglect Halal certification in their daily production. Design/Methodology/Approach: The study used the Confirmatory Factor Analysis under Structural Equation modelling using a qualitative data collection technique through convenience sampling. The cluster sampling of selecting the SMEs with their consumer. The validity and reliability were also tested for data justification. This paper designed and collected data from the three categories of stakeholders, Consumers and others in Northern Nigeria, considering the vast population of the states in the Northern part of the country. The result shows that the priority issues that enhanced social awareness, halal products, certification and halal brands have a positive relationship with market patronage. Further, describes the weak factors hindering halal certification through a cluster model based on the categories of the responses proposed by the halal integrity network. The practical implication addressed and developed an alternative way of managing factors that hamper the concerned Halal certification towards Halal industries and their ingredients and logistics for Muslim markets patronage. Originality/Value: It is challenging to find a paper that discusses factors that hamper Halal certification in Northern Nigeria and with a new method introduced of using CFA under SEM for model development industries in Northern Nigeria.","PeriodicalId":447800,"journal":{"name":"International Journal of Islamic Business & Management","volume":"17 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126926654","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: 0

ISLAMIC FINANCIAL INSTITUTIONS AS SOLUTION TO FINANCIAL EXCLUSION IN NORTHERN NIGERIA: A MODEL DEVELOPMENT 伊斯兰金融机构作为尼日利亚北部金融排斥的解决方案:一种模式发展

International Journal of Islamic Business & Management Pub Date : 2022-12-30 DOI: 10.46281/ijibm.v6i1.1981

Tijjani Muhammad, Besar bin Ngah, Fahd Al-Shaghdari, ID Orcid

{"title":"ISLAMIC FINANCIAL INSTITUTIONS AS SOLUTION TO FINANCIAL EXCLUSION IN NORTHERN NIGERIA: A MODEL DEVELOPMENT","authors":"Tijjani Muhammad, Besar bin Ngah, Fahd Al-Shaghdari, ID Orcid","doi":"10.46281/ijibm.v6i1.1981","DOIUrl":"https://doi.org/10.46281/ijibm.v6i1.1981","url":null,"abstract":"The study is to assess the causes and barriers of financial exclusion using three theories, including vulnerability theory (Poverty and Religiosity), financial literacy theory (Awareness), and public service theory (Attitude of Government Policy), to evaluate the relationship between the Islamic financial institutions and financial exclusion in Northern Nigeria. The study adopted a random sampling method with 450 respondents using Confirmatory Factor Analysis under Structural Equation Modelling (SEM) and SPSS. The study indicates the positive relationship between the three theories and financial exclusion and further identified some theoretical contributions indicating highly influential relationships between the predicted variables of the above theories. The study further identified the most significant contribution to the financial institutions by developing relevant literature to sort out the issues and challenges behind financial exclusion in Nigeria. Islamic financial institutions are considered a phenomenon and solution to this current issue of financial exclusion. The present study developed an integrated model which defines financial exclusion and its approach through three theories in addressing financial exclusion in Nigeria. It is also considered among the country's first attempts to solve financial exclusion.","PeriodicalId":447800,"journal":{"name":"International Journal of Islamic Business & Management","volume":"4 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123923050","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

MOSLEM BEHAVIOR TOWARD DEBT MANAGEMENT 穆斯林在债务管理方面的行为

International Journal of Islamic Business & Management Pub Date : 2022-11-05 DOI: 10.46281/ijibm.v6i1.1821

{"title":"MOSLEM BEHAVIOR TOWARD DEBT MANAGEMENT","authors":"","doi":"10.46281/ijibm.v6i1.1821","DOIUrl":"https://doi.org/10.46281/ijibm.v6i1.1821","url":null,"abstract":"Islam teaches Muslims to be clever in seeking of “rizki” (income) and spending it wisely to achieve well-being, happiness in the Islamic way. This study aims to prove whether Islamic Financial Knowledge, religiosity, self-control, and lifestyle are determinants of debt management behavior in Muslim communities. Furthermore, this study also examines whether debt management behavior affects financial well-being. This study is a quantitative study using a carefully developed questionnaire and tested for validity and reliability. The selected samples are residents of Surabaya who earning money from work. By surveying 331 respondents and using SEM analysis tools, behavior towards debt was confirmed as a determinant of welfare even the correlation number is small but significant. This study also proved that financial knowledge does not affect self-control but lifestyle and religiosity do. Furthermore, financial knowledge together with self-control and religiosity are predictor of behavior. Interestingly, the result shows that the higher the religiosity, the lower the debt behavior. This fact may be since there are some cultural rituals on a religious event that need extra spending. This result implies that Moslem should be careful with their lifestyle especially regarding Islamic events and consumerism as identity since it can reduce self-control and in turn potentially lower financial management. Using debt to fulfill the lifestyle is dangerous for well being.","PeriodicalId":447800,"journal":{"name":"International Journal of Islamic Business & Management","volume":"41 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-11-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116471982","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: 0

International Journal of Islamic Business &amp; Management最新文献

International Journal of Islamic Business & Management最新文献