This paper aims to investigate the factors influencing the changes of deposit in Islamic banks in the case of a comparative study between Malaysia and Indonesia. The focus of this paper is on the mudharabah deposits. For that purpose, a model is set up to estimate the changes of Islamic deposit. In line with this issue, we find that four variables are being considered: Non-performing financing, reserve, rate of return, and interest rate. The data were collected from 16 Islamic Banks in Malaysia and 11 Islamic Banks in Indonesia during the period 2010-2015. This study used panel data and generalised least square method. The findings show that conventional interest rates and non-performing financing for both countries have a negative relationship with the changes of Mudharabah deposits, while rate of return and bank reserve have a positive relationship and significant with the changes of Mudharabah deposits. To the best of the author's knowledge, this is the first attempt to empirically examine the differentiation of customer bank's behaviour towards Islamic deposit product in Malaysia and Indonesia.
Islamic banks are exposed to a unique risk such as Displaced Commercial Risk (DCR). DCR arises from the assets managed on behalf of the investment account holders which may be borne by the Islamic bank’s own capital, when the Islamic banks forgo part or all of its share of profits on the investment account holders funds, in order to increase the return to the investment account holders. In a dual banking system, DCR could be a threat to the Islamic banks given the competition of fixed and higher return from the conventional banks. However, DCR would not be a threat to Islamic banks if their account holders choose Islamic banks due to religious obligatory factor. Pertaining to this issue, this paper aims to identify the determinants of factors influencing the DCR among the Islamic banks in the case of Malaysia. Results of the study suggest that the DCR is significantly determined by the Investment account holder funds, Islamic deposit, rate of return, and interest rate.
Islamic Banking has become competitive against conventional banking since it is one of the fastest growing institutions nowadays. Therefore, it is reasonable to expect that the performance of both Islamic and conventional banks has become the center of attention particularly in term of their profitability. Hence, the purpose of this study is to investigate the relationship between bank-specific characteristics and profitability of Islamic and conventional in Malaysian banking sector to find the role of internal factors in achieving high profitability from 2008 to 2016. The data is extracted from Fitch Connect database for a nine year period which includes 16 Islamic banks and 22 conventional banks in Malaysia. The findings explained that each variable are justified in the model have statistically significant impacts on Malaysian banks’ profitability. However, the effects are not uniform across profitability measures. Regression findings reveal that bank capital and deposit ratio are significant of bank profitability in Islamic banks. This result implying that high profitability may drive higher capital ratios since profits are a source of capital. The implication shows that a more profitable bank may desire a smaller capital buffer since it knows that it will be able to draw on internal funds to fund expected investment opportunities.
Purpose This paper aims to investigate empirically whether creative industries are boosting the economic performance of the ASEAN countries (Malaysia, Indonesia, Singapore, Thailand, Vietnam and Brunei Darussalam) during the Coronavirus disease (COVID-19) pandemic. Design/methodology/approach This paper applied a random effect and fixed effect estimation approach to investigate the impact of creative industries’ development (government expenditure on education, export of creative industries, trade openness, innovation index, sukuk issuances) on the economic performance spanning from 2010 to 2020. Findings The economic performance was proxied by two dependent variables, namely, the gross domestic product and the Misery Index. On top of containment and vaccination measures, the findings demonstrated that creative industries are enhancing economic growth in Association of Southeast Asian Nations (ASEAN) countries, supported by the significant role of the sukuk market as a vital contributor to economic growth. Originality/value This study is unique because it provides novel and empirical results of the creative industries’ development on economic performance in the ASEAN countries before and during the COVID-19 pandemic.
The objective of this paper is to evaluate framework of 5S quality management for university ecosystem to achieve green campus. The main elements in 5S quality management are sort (seiri), set in order (seiton), shine (seiso), standardize (seiketsu), and sustain (shitsuke). The 5S quality improvement method is defined as a methodology that results in a workplace that is clean, uncluttered, safe, and well organized to help reduce waste and optimize productivity. It's designed to help build a quality work environment, both physically and mentally. The function of 5S method is to improve process efficiency and safety, reduces waste, prevents errors and defects. This paper focuses on implementation of 5S in university environment that mainly on areas of education system, finance management, man power arrangement, energy saving operation and building maintenance. In the same time, this paper propose evaluation of green 5S quality management in considering effect to environmental issues. The novelty of this framework is it provides academic institutional about standard operational for implementing quality management that considering environmental issues and efficient procedure for proses in management of university.
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