تسعير تأمين الودائع بالبنوك الإسلامية المصرية
Other Title(s)
Deposit insurance pricing in Egyptian Islamic Banks
Author
Source
المجلة المصرية للدراسات التجارية
Issue
Vol. 44, Issue 3 (30 Sep. 2020), pp.1-25, 25 p.
Publisher
Mansoura University Faculty of Commerce
Publication Date
2020-09-30
Country of Publication
Egypt
No. of Pages
25
Main Subjects
Topics
- Financial statements
- Insurance
- Regression analysis
- Statistical inference
- Bank deposits
- Hypothesis
- Credit risk
- Islamic Banks
- Premiums
- Moral hazard
Abstract EN
This research aims to estimate the price-cost-of deposit insurance in Islamic banks operating in Egypt using data in the financial statements of 13 banks in 2018-2019 using the Merton model and the options pricing model.
The results indicate that there is a big difference in insurance premiums between banks, from the highest rate of 2.5% in The United Bank to the lowest rate of 0.0001% in the International Arab Banking Company.
The regression analysis indicates that there is a statistical significance (the level of significance 5% ) positive between insurance premiums and credit risk.
.
These results demonstrate the suitability of applying risk-based insurance premium policy in Islamic banks rather than flat rate policy in Islamic banks.
The results of this research are used to reduce moral hazard behavior.
The research recommends applying risk-based insurance premium instead of the flat rate, , in Islamic banks, as well as being guided by the findings of this research
American Psychological Association (APA)
بدوي، هدى محمد السيد. 2020. تسعير تأمين الودائع بالبنوك الإسلامية المصرية. المجلة المصرية للدراسات التجارية،مج. 44، ع. 3، ص ص. 1-25.
https://search.emarefa.net/detail/BIM-1251859
Modern Language Association (MLA)
بدوي، هدى محمد السيد. تسعير تأمين الودائع بالبنوك الإسلامية المصرية. المجلة المصرية للدراسات التجارية مج. 44، ع. 3 (2020)، ص ص. 1-25.
https://search.emarefa.net/detail/BIM-1251859
American Medical Association (AMA)
بدوي، هدى محمد السيد. تسعير تأمين الودائع بالبنوك الإسلامية المصرية. المجلة المصرية للدراسات التجارية. 2020. مج. 44، ع. 3، ص ص. 1-25.
https://search.emarefa.net/detail/BIM-1251859
Data Type
Journal Articles
Language
Arabic
Notes
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Record ID
BIM-1251859