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Financial intermediation costs in Islamic banks: the role of bank-specific, market-specific and institutional-governance factors

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dc.contributor.authorNurhafiza Abdul Kader Malim
dc.contributor.supervisorMansor H. Ibrahim
dc.contributor.supervisorMohamed Eskandar Shah Mohd Rasid
dc.date.accessioned2017-04-27T11:06:12Z
dc.date.available2017-04-27T11:06:12Z
dc.date.issued2015
dc.description.abstractThis study empirically investigates the financial intermediation costs represented by net financing margins in the Islamic banking sector in OIC countries for 2005-2011 period utilizing Generalized Method of Moments (GMM). We focus on the role of bank-specific, macroeconomic, market-specific and institutional-governance factors on the Islamic banks' margins. For comparative analysis, we assess the difference in margins and analyse whether the factors that affect margins in conventional banks affect Islamic bank differently by constructing an unmatched and matched sample. Further, we examine the impact of the global financial crisis on both banks. The findings indicate that risk aversion, bank size, credit risk, inflation and GDP growth are important factors in explaining Islamic banks' margins. While, overhead costs, market concentration and institutional-governance factors have no significant impact on the margins of Islamic banks. We also find evidence that Islamic banks have higher margins that conventional banks in the case of the matched sample. The results also suggest that all the factors above have no differential impact on the margins of Islamic banks except for bank size in both samples. Interestingly, the crisis has a positive impact on Islam banks' margins but a negative impact on those of conventional banks. Our findings demonstrate important policy implications for reducing the financial intermediation costs of Islamic banks which include sound risk management, scale efficiency, macroeconomic stability, products innovation and managerial efficiency.en_US
dc.identifier.citationAbdul Kader Malim, N. (2015). Financial intermediation costs in Islamic banks: the role of bank-specific, market-specific and institutional-governance factors (Doctoral dissertation). INCEIF, Kuala Lumpur. Retrieved from https://ikr.inceif.edu.my/handle/INCEIF/2415en_US
dc.identifier.urihttps://ikr.inceif.edu.my/handle/INCEIF/2415
dc.languageEnglish
dc.language.isoengen_US
dc.publisherINCEIFen_US
dc.rights2015. INCEIF
dc.sourceGS
dc.subjectFinancial intermediation
dc.subjectIslamic banking
dc.subjectIslamic finance
dc.subjectIslamic countries
dc.titleFinancial intermediation costs in Islamic banks: the role of bank-specific, market-specific and institutional-governance factorsen_US
dc.typePhDen_US
dlc.maintopicIslamic bankingen_US
dspace.entity.typePublication
ikr.doctypeTheses
ikr.licenseAvailable in physical copy only (Call Number: t HG 3891.5 N974)
ikr.topic.maintopicIslamic bankingen_US
relation.isAuthorOfPublicationa45f0c66-a9b7-4f24-b073-1c875276163a
relation.isAuthorOfPublicationa45f0c66-a9b7-4f24-b073-1c875276163a
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