Abstract-Performance of a company usually reflects its stock price. Companies with a good performance supposedly will have a good demand on its stock, hence boost the price and vice versa. However, there's manipulation game in the market. Rumors, speculation and short-selling are among the manipulation activities that affect the fluctuation of stock price. Fundamental analysis could provide an accurate result on companies' performance which not only base on the company's stock price. This research been conducted to study the relationship of historical performance of selected Islamic banks towards their stock performance and to identify the most significant independent variable. This research is a fundamental analysis, hence financial ratios been used as the main tool to produce data of dependent and independent variables. The research been conducted on licensed Islamic Banks in Malaysia as listed by Bank Negara Malaysia and focus on three independent variables of profitability, efficiency and liquidity and to see their relationship towards the dependent variable of the bank's stock performance. A set of quarterly data from year 2007 to 2012 been used in conducting ratio analysis. The result been further analyse using STATA 10.1 software. This research provides result on significant and relationship direction of profitability, efficiency and liquidity towards the banks stock performance. It also proves the most significant independent variable which has the strongest impact towards the stock performance.
This study investigates the internal and external factors that influence bank lending behaviors in Malaysian’s dual banking system. The final regression of 24 commercial and 15 Islamic banks using the pooled ordinary least square (POLS) method revealed that the size of the bank proxies by the logarithm of total assets as the most significant factor influencing bank lending behavior in Malaysia from 2010 to 2018. This suggests that larger banks are more diversified and have a larger pool of funds to be loaned out. Because banks rely on deposits to issue loans, the deposits received by the bank have a substantial impact on bank lending. The greater the number of deposits obtained; the more bank lending activities will occur. The data also demonstrated that commercial and Islamic bank lending behavior in Malaysia is strongly connected with deposit volume (DEPO), GDP, and bank size (SIZE).
The development of MoneyWise Personal Cash-Flow Simulation Module in teaching and learning focuses on helping students understand the personal financial management elements. The simulation enables the students to experience the essentials of budgeting, record-keeping, valuable tools, and tips on managing cash flows and other related activities in money management. During the simulation, the students have been able to analyse their financial position in various reports, such as the budget template and cash-flow statement. In the meantime, the module will enhance students’ potentials to obtain excellent grades in the personal financial planning course and elevate their skills and readiness to face real-life situations in the future. The findings have shown that the percentage of student’s scores in Part A has increased from 75.9 per cent in semester 20182 to 84.6 per cent in semester 20184. While 80.6 per cent score in 20192 which is above the targeted average, concludes that the objectives have been achieved. The system not only functions as an e-learning material but is also helpful for individuals to record and manage their daily transactions. MoneyWise is an excellent e-learning innovation and relevant financial tool to elevate financial literacy, aligning with the National Strategy for Financial Literacy 2019-2023.
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