خطر و سودآوری بانکهای اسلامی: یک کلاه شرعی یا یک راه حل جایگزین؟
سال انتشار:
2017
ترجمه فارسی عنوان مقاله:
خطر و سودآوری بانکهای اسلامی: یک کلاه شرعی یا یک راه حل جایگزین؟
عنوان انگلیسی مقاله:
Risk and profitability of Islamic banks: A religious deception or an alternative solution?
منبع:
Sciencedirect - Elsevier - European Research on Management and Business Economics 23 (2017) 40–45
نویسنده:
Naama Trad, Mohamed Ali Trabelsi, Jean Francois Goux
چکیده انگلیسی:
The
aim of this paper is to examine whether Islamic finance could be an
alternative to the traditional
financial system and could guarantee stability in times of crisis. To
this end, 78 Islamic banks in 12
countries have been studied over the 2004–2013 period. A series of
bank-specific and other countryspecific indicators are combined to
explain the soundness of Islamic banking in terms of profitability as
measured by ROA and ROE, and risk divided into credit risk measured by
IMLGL and EQL, and insolvency
risk measured by Z-SCORE. The aim is to estimate five regressions using
dynamic panel data econometrics (GMM system). The results indicate that
bank size and capital are the main factors responsible for
increasing profitability and stability of Islamic banks and reducing
their credit risk. However, the ratios
forming the variable liquidity and asset quality often lead to
inconclusive results. It is also found that
macroeconomic variables, except inflation, are able to improve Islamic
banks’ stability. This is not the
case for credit risk where the ratio is still unfavorable.
The conclusion is that there are no major differences between IBs and
CBs in terms of their profitability
and risk features
Keywords: Islamic banks | Credit strength | Risk and profitability | GMM system
چکیده فارسی:
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