How does non-interest income affect bank credit risk? Evidence before and during the COVID-19 pandemic

Real Estate Market Transformations: Insights and Implications for Canadian Investors and Consumers amid U.S. Interest Rate Adjustments

“…Likewise, Mehmood and De Luca hold that even if the Fed announces an increase in the dollar interest rate, it will not necessarily lead to a rise in interest rates for all lenders. To support their stance, they emphasize that some lending institutions, especially the well-established ones, have other sources of income, including commissions and service charges [10]. Therefore, they keep their interest rates intact to appeal to interest-sensitive clients.…”

“…Besides the possibility of the demand for property going down, high interests could be an opportunity for potential homebuyers to explore more competitive mortgage plans. According to Mehmood and De Luca [10], not all lenders will adjust their interest rates based on the fluctuations of the U.S. dollar. Precisely, some lenders take advantage of the skyrocketing interest rates to expand their clientele by not adjusting their rates at all.…”

“…Prospective property buyers should explore other options like investing in banks and brokerage firms when interest rates hike. As Mehmood and De Luca emphasize, interest is the core source of income for banks and brokerage firms [10]. Therefore, a hike in interest rates is an opportunity for these institutions to increase their revenue margins.…”

Perubahan Capital Aset Pricing Model, Risiko, dan Efisiensi: Triger Unit Asuransi Full-Pledge Syariah

“…Penelitian terkait CAPM yang dikaitkan dengan instrument keuangan syariah (Bahloul & Mathlouthli, 2022); Subekti et.al (2022) ;Shaikh et.al (2018). Penelitian lainnya terkait risiko lebih menghubungkan dengan governance, quality asset profitabilitas yang dilatarbelakangi adanya krisis global (Nguye & Dang, 2022); (Sadaa & et.al, 2023); (Abid & et.al, 2022); (Abid et.al, 2021;Mehmood & Luca, 2023). Terkait dengan penelitian spin-off, topik lebih memfokuskan pada dampak terhadap profitabilitas dan efisiensi (Udin, 2010); (Al Arif M. , 2018); (Hollowell, 2009); (Halai, 2015); (Bagus, 2019); (Sihombing & Yahya, M.R, 2016).…”

“…Penelitian yang sama terkait penggunaan CAPM dalam mengukur return saham syariah juga dilakukan oleh Shaikh et.al (2018) dengan hasil return positif untuk pasar atas dan sebaliknya return negative di pasar bawah. Berkaitan dengan risiko, penelitian sebelumnya lebih banyak meneliti perilaku pengambilan risiko dikaitkan dengan tata kelola risiko di industri bank syariah (Abid et.al, 2021;Mehmood & Luca, 2023).…”