Trend analysis of Islamic financing : a case of Islamic Banks in Malaysia
Joint Authors
Qurayshi, Muhammad Husayn
Husayn, Talat
Source
Journal of Islamic Business and Management
Issue
Vol. 10, Issue 1 (30 Jun. 2020), pp.79-95, 17 p.
Publisher
Riphah International University Riphah Centre of Islamic Business
Publication Date
2020-06-30
Country of Publication
Pakistan
No. of Pages
17
Main Subjects
Abstract EN
The objective of this study is to identify and analyze the trend of di erent modes of financing o ered by standalone Islamic banks and Islamic subsidiaries of conventional banks of Malaysia.
At present, there are 5 standalone Islamic banks and 11 Islamic subsidiaries of conventional banks operating in Malaysia.
All banks are selected for analysis.
Annual audited financial statements of standalone Islamic banks and Islamic subsidiaries of conventional banks have been utilized for obtaining data.
The study period is from year 2010 to 2016.
Vertical and horizontal analysis techniques are applied for analyzing the data.
The results indicate that Islamic subsidiaries of conventional banks are more ecient in providing di erent modes of financing out of 6 popular modes; Islamic subsidiaries of conventional banks are capturing 4 modes which are in double figure as percentage of the total portfolio; while in standalone Islamic banks, 3 modes are in double figure.
In sales base products standalone Islamic banks are more ecient, while Islamic subsidiaries of conventional banks are more ecient in providing rental base products.
In products like mur¯abah.
ah and ij¯arah, Islamic subsidiaries of conventional banks are more ecient, while standalone Islamic banks are more eciently managing the controversial products such as Bai Bithaman Ajil and tawarruq.
While three products are showing upward trends, the other three are showing downward trend.
The study concluded that despite being exalted in Islamic banking and finance, still the Islamic financing base of Malaysian banks comprises the debt creating modes.
American Psychological Association (APA)
Qurayshi, Muhammad Husayn& Husayn, Talat. 2020. Trend analysis of Islamic financing : a case of Islamic Banks in Malaysia. Journal of Islamic Business and Management،Vol. 10, no. 1, pp.79-95.
https://search.emarefa.net/detail/BIM-1254909
Modern Language Association (MLA)
Qurayshi, Muhammad Husayn& Husayn, Talat. Trend analysis of Islamic financing : a case of Islamic Banks in Malaysia. Journal of Islamic Business and Management Vol. 10, no. 1 (2020), pp.79-95.
https://search.emarefa.net/detail/BIM-1254909
American Medical Association (AMA)
Qurayshi, Muhammad Husayn& Husayn, Talat. Trend analysis of Islamic financing : a case of Islamic Banks in Malaysia. Journal of Islamic Business and Management. 2020. Vol. 10, no. 1, pp.79-95.
https://search.emarefa.net/detail/BIM-1254909
Data Type
Journal Articles
Language
English
Notes
Includes margin notes.
Record ID
BIM-1254909