The Impact of BNM Guidelines on Household Loans on Commercial Bank and Islamic Bank Performances

Isa, Mohamad Yazid; Hussin, Mohd Yahya Mohd

doi:10.6007/ijarbss/v6-i11/2406

Cited by 2 publications

(2 citation statements)

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“…The GRF's mandatory suitability and affordability assessment has caused concerns among bank consumers, who must go through a rigorous screening procedure before their loan applications can be granted (Isa et al, 2016). The implementation of the GRF in 2012 had an impact on the majority of financial goods and services.…”

Section: Analysis On the Impact Of The Grf In The Malaysian Banking I...mentioning

confidence: 99%

“…Personal financing is profitable for financial organisations since it offers a high profit margin (Musa, 2015). The criteria also had an influence on automotive financing, since car sales decreased as credit conditions tightened (Isa et al, 2016). The home loan is also impacted early on since the borrowers are more likely to be less affluent, with lower income and disproportionately higher expenditures (Musa, 2015).…”

Section: Analysis On the Impact Of The Grf In The Malaysian Banking I...mentioning

confidence: 99%

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Evaluating Responsible Lending Framework Through Suitability and Affordability Assessment in Malaysia

Rafie¹,

Ilias²

2022

IJARBSS

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The purpose of this study is to assess the Malaysian consumer credit industry's current responsible lending policy which includes banking, pawnbroking, hire-purchase, moneylending, credit sale, and cooperatives, as industries are regulated separately. This study employs a doctrinal legal research methodology and content analysis of primary and secondary sources of law, including the Financial Services

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Section: Analysis On the Impact Of The Grf In The Malaysian Banking I...mentioning

confidence: 99%

Section: Analysis On the Impact Of The Grf In The Malaysian Banking I...mentioning

confidence: 99%

Evaluating Responsible Lending Framework Through Suitability and Affordability Assessment in Malaysia

Rafie¹,

Ilias²

2022

IJARBSS

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The Impact of Ijarah/Lease Financing on Malaysian Islamic Bank Performance

Yusuf¹,

Isa²

2021

IJIB

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Ijarah (lease contract) is one of the essential financing contracts offered by Islamic banking institutions to meet the demand of the clients. This study investigates the impact of Ijarah financing on Islamic bank performance in Malaysia for the period from 2004-2018 using Fixed and Random Effect Models. Ijarah financing (IJFA) which becomes the focus variable of this study with other six independent variables; operating efficiency (EXTA), bank size (LTA), total financing (TFTA), base rate (BR), consumer price index (CPI) and gross domestic product (GDP) were regressed against return on asset (ROA) and net profit margin (NPM). The results show that Ijarah financing has a positive and significant impact on NPM. The findings suggest that Islamic banks should increase their portfolio of Ijarah financing and this is also support the concentration strategy used by banks in improving Islamic bank performances. An increase in demand for Ijarah financing will increase Islamic banks performance and this reflects that Ijarah financing as an asset creation tool that banks prefer particularly for generating income.

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The Impact of BNM Guidelines on Household Loans on Commercial Bank and Islamic Bank Performances

Cited by 2 publications

References 1 publication

Evaluating Responsible Lending Framework Through Suitability and Affordability Assessment in Malaysia

Evaluating Responsible Lending Framework Through Suitability and Affordability Assessment in Malaysia

The Impact of Ijarah/Lease Financing on Malaysian Islamic Bank Performance

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