The banking sector is viewed as an important figure in the economic development. However, this sector is vulnerable to macroeconomic instability which lead to higher credit risk of banks. Motivated by the fact that unlike conventional banking, there is limited research study about the impact of macroeconomic factors on credit risk in Islamic banking. Therefore, further research to study about it has become important. This research aim is to evaluate the association between macroeconomic factors with credit risk through comparative analysis of these two kinds of banking system. Empirical results suggest that Islamic banks are more resistant during crisis, and only two variables (Exchange Rate and MS) which are significant to credit risk in Islamic banks. Meanwhile, in conventional banks almost all variables are significant except Industrial Production Index. This research is expected to give contributions to literature, and provide comparable information on the credit risk profile across the banks to stakeholders.

Abstract-In the Internet age, every computer user is likely to inadvertently encounter highly contagious viruses. Over the past several years, a new type of web attack has spread across the web, that is, when a client connects to a malicious remote server, the server responds to the request while simultaneously transporting malicious programs to the client's computer, thereby launching a drive-by download attack. If the attack is successful, malicious servers can control and execute any program from the client's computer. Malicious websites frequently harbor obfuscation mechanisms to evade signaturebased detection systems. These obfuscators have become increasingly sophisticated that they have begun to invade multimedia files (JPG, Flash, and PDF). Under such circumstances, unless specific behaviors are triggered by malicious webpages, identifying programs with malicious intent by merely analyzing web content is extremely difficult, not to mention the formidable quantity of webpages and the ever changing attack techniques. Based on a client-side honeypot system, this study proposes a model for determining whether a webpage is malicious. We present a technique to improve the accuracy of malicious web detection. First, static content analysis is performed to accelerate the detection, followed by actual browsing on webpages for in-depth probing using the client-side honeypot system. Using this method, user's security is protected when surfing the Internet.

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Can investments in information technology translate into benefits for investors? This study uses Bayesian theory to explore whether the benefits of adopting a technology (that increases the quality of information) extend to the investing community. An added value to firms investing in technology is that such investment may increase the demand for information from outside the firm. As the market demand for this information increases, companies that seek capital in the security markets may have a greater incentive to adopt technologies that increase information quality.