مقارنة أداء المصارف الإسلامية والتقليدية في المملكة العربية السعودية خلال الفترة (2008 م - 2017 م) = A Comparion between the Performance of Islamic Banks and Conventional Banks in the Kingdom of Saudi Arabia (KSA) during the Period (2008 - 2017)

2019 ◽  
Vol 19 (3) ◽  
pp. 295-312
Author(s):  
يوسف ، رفعت فتحي متولي
Keyword(s):  
Saudi Arabia ◽  
Islamic Banks ◽  
Kingdom Of Saudi Arabia ◽  
Conventional Banks

Operational Risk Management of Islamic Banks

2020 ◽  
pp. 455-470
Author(s):  
Mahfod Aldoseri ◽  
Andrew C. Worthington
Keyword(s):  
Risk Assessment ◽  
Risk Management ◽  
Saudi Arabia ◽  
Operational Risk ◽  
Islamic Banks ◽  
Operational Risk Management ◽  
Risk Monitoring ◽  
Conventional Banks ◽  
Senior Officers

This chapter investigates the operational risk management and practices of Islamic and conventional banks in Saudi Arabia. Authors employ a sample of four Islamic and eight conventional banks and data gathered through a novel questionnaire administered to senior officers and managers carrying out risk management activity across five aspects of operational risk management: (i) understanding risk, (ii) risk management, (iii) risk assessment analysis, (iv) risk identification, and (v) risk monitoring. The results demonstrate that all of these play an important role in determining the quality of operational risk management. However, risk assessment analysis and risk monitoring are the most influential in determining the overall quality of operational risk management in both conventional and Islamic banks. Overall, conventional banks in Saudi Arabia are better than Islamic banks at operational risk management practices, suggesting the need for careful planning and strategizing, sound recruiting and training policies, and prudent monitoring of capital adequacy by regulators.

Dividend payout policy of Islamic vs conventional banks: case of Saudi Arabia

2017 ◽  
Vol 10 (1) ◽  
pp. 117-128 ◽  
Author(s):  
Lama Tarek Al-Kayed
Keyword(s):  
Saudi Arabia ◽  
Boards Of Directors ◽  
Dividend Policy ◽  
Data Availability ◽  
Future Research ◽  
Islamic Banks ◽  
Content Type ◽  
Dividend Payments ◽  
Conventional Banks ◽  
Practical Implications

Purpose This paper aims to identify the factors that affect dividend payments for Saudi Arabian Islamic and conventional banks and to test whether the factors that affect Islamic banks’ dividend policy differ from the factors affecting conventional banks’ dividends. Design/methodology/approach Panel regression was run on data for six Islamic banks and six conventional banks. Findings The paper found that profitability, lagged dividends and leverage are all significant determinants of Islamic Banks’ dividend policy. Lintner’s (1956) model applies to Islamic bank’s dividend policy, as Islamic banks who payout dividends commit to their payments. All factors included in the study (profitability, liquidity, leverage, growth and lagged dividend) are found to be significant determinants of conventional banks’ dividend payments. Research limitations/implications Future research should include ownership variables in the regression to test the agency theory regarding dividends. Ownership variables were not included in the study because of data availability issues. Practical implications The results of this study have practical implications for analysts, investors and regulators. For Islamic banks to compete in the local and global deposit markets, their management must carefully decide upon their dividend policy. As conventional banks are distributing stable dividends, it is time for Islamic banks to plan for a stable dividend policy to send positive signals to the market. As newcomers to the market Islamic banks should avoid spontaneous and inconsistent dividend distributions that do not carry any signals to the market. It will be difficult for Islamic banks to raise capital or attract investors because of their lower dividend yields compared to conventional banks. Boards of directors of Islamic banks should use dividends as an agency monitoring device; large-scale retention of earnings encourages behaviour by managers that does not maximize shareholder value. Dividends, then, are a valuable financial tool for these firms because they help firms avoid asset/capital structures that give managers wide discretion to make value-reducing investments. Originality/value This is the first study – up to the author’s knowledge – to investigate the financial institutions (banks) dividend policy in Saudi Arabia.

Price efficiency on Islamic banks vs. conventional banks in Bahrain, UAE, Kuwait, Oman, Qatar and Saudi Arabia: impact of country governance

2018 ◽  
Vol 11 (4) ◽  
pp. 363 ◽  
Author(s):  
Fakarudin Kamarudin ◽  
Fadzlan Sufian ◽  
Annuar Md. Nassir ◽  
Nazratul Aina Mohamad Anwar ◽  
Nur Ainna Ramli ◽  
...  
Keyword(s):  
Saudi Arabia ◽  
Islamic Banks ◽  
Price Efficiency ◽  
Conventional Banks

scholarly journals PERCEPTION ON BANK INTEREST AND THE USE OF ISLAMIC BANKS: CASE STUDY INDONESIAN STUDENTS IN MEDINA SAUDI ARABIA

2020 ◽  
Vol 5 (2) ◽  
pp. 142-152
Author(s):  
Ahmad Bilal Almagribi ◽  
Bayu Taufiq Possumah ◽  
Halimi Husayn
Keyword(s):  
Saudi Arabia ◽  
Data Collection ◽  
Credit Cards ◽  
Sampling Technique ◽  
Islamic Banks ◽  
Kingdom Of Saudi Arabia ◽  
Collection Method ◽  
Online Transactions ◽  
Debit Cards

This study aims to investigate the perceptions of Indonesian students in Medina, the Kingdom of Saudi Arabia about bank interest and Islamic banks usage. By using questionnaires data collection method and purposive sampling technique, 40 students have been interviewed online in this study. The data is then analyzed by descriptive percentage. This study found that most Indonesian students in Medina consider bank interest as usury and only 5% of them thought that both were different. The students who consider bank interest as usury argue that the contract between the customer and the bank is a Qordh (loan) contract. In contrast, respondents who consider the bank interest and usury are different, arguing that the interest is not always as usury according to some scholars who do not categorize the contract between bank and customer as Qordh, but as Tamwil (financing). This study also found that most of the students using Islamic banks and at the same time some of them also have conventional accounts for various reasons, such as the limited number of ATMs and branch offices, and no Islamic debit cards yet that are accepted as credit cards in online transactions.

Comparative analysis of customers’ awareness toward CSR practices of Islamic banks: Bahrain vs Saudi Arabia

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Sutan Emir Hidayat ◽  
Ahmad Rafiki
Keyword(s):  
Saudi Arabia ◽  
Quantitative Methods ◽  
Statistical Tests ◽  
Islamic Banks ◽  
Kingdom Of Saudi Arabia ◽  
Content Type ◽  
Weighted Means ◽  
Significant Difference ◽  
Set Up ◽  
Corporate Social

Purpose This study aims to analyze the level of customer awareness of Islamic Banks’ activities toward corporate social responsibility (CSR) in the Kingdoms of Bahrain and Saudi Arabia and test whether both groups have similarities or not. The outcome of this study determines the extent to which customer awareness regarding Islamic banking activities furthering the betterment of society and achieving socioeconomic goals beyond their financial objectives. Design/methodology/approach Quantitative methods are used in this study covering Islamic Banks in both the Kingdoms of Bahrain and Saudi Arabia; using a survey questionnaire distributed to a total of 150 customers in the Kingdom of Bahrain and 100 customers in the Kingdom of Saudi Arabia. The weighted means are calculated, and statistical tests are used, such as, Kruskal–Wallis H and independent sample tests, in analyzing the data. Findings The results of the survey reveal that the level of customer awareness is generally low in terms of the pursuit of corporate social responsibilities by the Islamic Banks. The significant statistical difference in the data gathered from the sample is highlighted when they are grouped according to their respective banks. It proves that the level of customer awareness varies considerably among the Islamic banks in the survey. It was also found that there is no significant difference between the two groups of Islamic banks’ customers in the two countries in terms of their awareness toward the CSR practices of the Islamic banks. Originality/value The findings of this study could be used to aid policymakers in the field of CSR of Islamic banks to formulate a more efficient set of CSR activities that are better aligned with the ultimate goal of achieving society’s betterment. This study may also facilitate Islamic banks in the region to set up strategies that highlight their CSR efforts and raise the awareness levels of their customers.

Pediatrics’ Total Parenteral Nutrition: Initiative and implementation of standardized formulation in Saudi Arabia

2018 ◽  
Vol 4 (3) ◽  
pp. 492-496
Author(s):  
Yousef Ahmed Alomi ◽  
Hussam Saad Almalki ◽  
Aisha Omar Fallatah ◽  
Awatif Faraj Alshammari ◽  
Nesreen Al-Shubbar
Keyword(s):  
Saudi Arabia ◽  
Clinical Outcome ◽  
Parenteral Nutrition ◽  
Drug Related Problems ◽  
Kingdom Of Saudi Arabia ◽  
Parental Nutrition ◽  
Management Project ◽  
Improve Patient ◽  
New System

The national total parental nutrition program with an emphasis on pediatrics started before several ago at Ministry of health hospitals In Kingdom of Saudi Arabia. The program covered several regions and consisted from the foundation of Intravenous Admixture and preparation of pediatric parenteral nutrition to administration and follow up of patients outcomes. In addition to the prior system, the new initiative project with the standardized formulation of pediatric’s parenteral nutrition is the complementary project of the parental nutrition for pediatrics. The project initiated to prevent drug-related problems of parental nutrition, improve patient clinical outcome and reduce the unnecessary economic burden on the healthcare system. It is the new system in the Middle East and Gulf counties in additional to Saudi Arabia. The initiatives are the systemic implementation of standardized pediatrics formulation using management project tools of starting new idea until finding in the ground.

Adult’s Total Parenteral Nutrition: Initiative and Implementation of Standardized Formulation in Saudi Arabia

2018 ◽  
Vol 4 (3) ◽  
pp. 483-487
Author(s):  
Yousef Ahmed Alomi ◽  
Hussam Saad Almalki ◽  
Aisha Omar Fallatah ◽  
Awatif Faraj Alshammari ◽  
Nahedh Rashed Alotaibi
Keyword(s):  
Saudi Arabia ◽  
Parenteral Nutrition ◽  
Pharmacy Practice ◽  
International Standards ◽  
Kingdom Of Saudi Arabia ◽  
Parental Nutrition ◽  
International Regulations ◽  
One Year ◽  
New Formulation ◽  
New System

The general administration of pharmaceutical care started potential pharmacy practice program. The program is part of accreditation professional’s process of national and international regulations. The adult’s parenteral nutrition was one of the critical programs. The most healthcare professionals are not familiar with the new system. The new initiatives system adult’s standardized concentration formulation of total parental nutrition as complementary to the previous one. The new formulation consisted of all parental nutrition requirements based on national and international standards. The new system can be converted as computerized physician orders. The new initiatives may implement as project management model over one year or less than that’s. The new system prevents nutrition-related problems, and medication errors, and improve clinical outcomes of the adults’ population in the Kingdom of Saudi Arabia.

Filipino Guest Workers, Gender Segregation, and the Changing Social/Labor-Scape in the Kingdom of Saudi Arabia

2019 ◽  
Vol 16 (4) ◽  
pp. 503-512
Author(s):  
Simeon S. Magliveras
Keyword(s):  
Saudi Arabia ◽  
Migrant Workers ◽  
Major Part ◽  
Gender Segregation ◽  
Guest Workers ◽  
Kingdom Of Saudi Arabia ◽  
Gcc Countries ◽  
Overseas Filipino Workers ◽  
Dress Codes ◽  
Social Labor

Filipinos are a major part of the workforce in the Kingdom of Saudi Arabia with a population of almost one million. This article investigates the effects of gender segregation on Filipino workers and how they navigate their lives through systems imposed on them. In particular, it examines the Kafala system (administrative sponsoring system) used for recruiting migrant workers for GCC countries. This article suggests that contrary beliefs about gender segregation and dress codes, Filipinas found it empowering. However, this article also concludes that gender segregation and dress codes also lead to isolation and loneliness. In addition, it is concluded that the fate and contentment of the overseas Filipino workers are directly dependent on who sponsors them.

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