ISLAMIC BANKING IN PAKISTAN: CHALLENGES AND OPPORTUNITIES-A PERFORMANCE BASED ANALYSIS

2014 ◽  
Vol 01 ◽  
pp. 49-70
Author(s):  
Mahmood Shah Khan ◽  
◽  
Farrukh Ijaz ◽  
Keyword(s):  
Islamic Banking ◽  
Challenges And Opportunities ◽  
A Performance

scholarly journals Islamic banking in Australia: Challenges and opportunities

2003 ◽  
Vol 23 (2) ◽  
pp. 347-359 ◽  
Author(s):  
Abdul Malik Mirza ◽  
Abdel-Karim Halabi
Keyword(s):  
Islamic Banking ◽  
Challenges And Opportunities

scholarly journals Financing Schemes and Lost Profit Sharing in Islamic Banking : Challenges and Opportunities

2020 ◽  
Vol 3 (1) ◽  
pp. 1-13
Author(s):  
Syarifuddin Syarifuddin
Keyword(s):  
Banking System ◽  
Profit Sharing ◽  
External Factors ◽  
Government Support ◽  
Monitoring Systems ◽  
Islamic Banking ◽  
Main Mode ◽  
Internal Factors ◽  
Challenges And Opportunities ◽  
Lost Profit

A profit and lost sharing system is an agreement between a financier (shahibul mal) and a capital manager (mudharib) to run a particular economic business with a profit sharing and risk loss scheme. At this time a lot of literature encourages PLS schemes as the main mode of Islamic banking system, but in practice it is avoided. The research aims to theoretically evaluate the causes of PLS ​​contracts in Islamic banking fail to be fully accepted and be excellent for investors in Islamic Banking. The results showed that the use of PLS ​​(mudharabah and musharakah) schemes in Islamic (sharia) Banking in Indonesia, Malaysia, Pakistan, Turkey and Morocco did show a low percentage of total financing. There are internal factors and external factors that hinder the development of PLS ​​schemes. Internal factors include moral hazard concern from partners, low trust in partners, weak monitoring systems, weak capabilities and collateral from partner companies. While external factors include; public literacy on Islamic banking products, government support, and supervision from regulators. Some of these factors arise because of a misunderstanding of the PLS system. Therefore, it is necessary to reprogram the perception of Shahibul mal and mudarib in the PLS scheme. This research is expected to contribute to the development and improvement of PLS ​​schemes in Islamic Banking.

Layers of misconceptions about Islamic banking

2019 ◽  
Vol 10 (3) ◽  
pp. 874-892 ◽  
Author(s):  
Malik Shahzad Shabbir ◽  
Awais Rehman
Keyword(s):  
Data Analysis ◽  
Financial Institutions ◽  
Design Methodology ◽  
Banking System ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Content Type ◽  
Significant Difference ◽  
Challenges And Opportunities ◽  
Islamic Financial Institutions

Purpose This paper aims to identify some important misconceptions about Islamic banks, which impact investor’s portfolio in term of threats, challenges and opportunities. This paper is trying to attempt to present five different layers of misconceptions regarding investor portfolio. Design/methodology/approach This paper distributed 132 questionnaires among investors of Islamic financial institutions and multiple regression of least significant difference (LSD) method implied for data analysis. Findings The results of this paper show that two variables, such as opportunity and challenge, out of three are positively significant and the remaining one variable, threat, is insignificant regarding investor portfolio. Originality/value This paper is the first ever attempt in its nature to identify the different misconceptions about Islamic banking system and its impact on investor portfolio.

Islamic banking and finance: potential approach for economic sustainability in China

2019 ◽  
Vol 11 (6) ◽  
pp. 1725-1741
Author(s):  
Md Nazirul Islam Sarker ◽  
Most Nilufa Khatun ◽  
GM Monirul Alam
Keyword(s):  
Economic Development ◽  
Islamic Finance ◽  
Islamic Banking ◽  
Economic Sustainability ◽  
Muslim Country ◽  
Content Type ◽  
Banking And Finance ◽  
One Belt One Road ◽  
Finance Model ◽  
Challenges And Opportunities

Purpose The purpose of this paper is to explore the unique aspects of Islamic finance and its role in economic development. It also explores the suitability of Islamic finance in China. Design/methodology/approach The paper explores the potential of Islamic banking and finance for economic sustainability in China. This study adopts the content analysis approach and focuses on various aspects of finance. Moreover, a critical investigation has been done by using various indicators of a new finance system adoption by considering the economic, cultural, religious and political aspects of China. Findings The study reveals that China already tested Islamic finance on a pilot basis in Ningxia, China. China is suitably positioned to adopt Islamic finance for its economic development. It also reports that Islamic finance will be more helpful to implement One Belt One Road initiative of China, as the Gulf and Arab Islamic finance-based countries are the major partners of China. This study analyzes Islamic micro-finance literature and proposes suitable measures for adoption in China. Practical implications Despite some limitations, the findings have a large implication on Islamic financing in general. It will be helpful to researchers and practitioners to understand the Islamic finance model for implementing it in a new environment. Social implications This study analyzes the demand, rules and regulations, related challenges and potential of launching Islamic banking and finance in China. Originality/value This study analyzes the demand, rules and regulations, related challenges and potential of launching Islamic banking and finance in China. The paper fills a gap to the existing literature on Islamic finance uniqueness, challenges and opportunities from the perspective of a non-Muslim country.

MANAJEMEN STRATEGIK DALAM PERBANKAN SYARIAH

WADIAH ◽  
2021 ◽  
Vol 5 (1) ◽  
Author(s):  
Arif Zunaidi ◽  
Sri Anugerah Natalina
Keyword(s):  
Strategic Management ◽  
Financial Institutions ◽  
Policy Making ◽  
Swot Analysis ◽  
Negative Impact ◽  
Market Competition ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Challenges And Opportunities ◽  
The Right

The current economic development has led to competition between companies in controlling and maintaining the market. Companies with other companies are competing to be winners in business competition. Likewise, bank or non-bank financial institutions. With the increasing quantity of customers and the growth of the nation's economy, it has made Islamic banking compete with other Islamic banks to be at the forefront of providing satisfaction and controlling customers. A special management is needed to determine the right strategy in every policy step taken. For this reason, strategic management is needed so that every policy taken is not misplaced. Because every mistake in policy making will certainly have a negative impact on the company, either in the form of loss of customers or loss of coffers of income. This writing uses the literary method, which collects data based on written texts from various sources to analyze. The results can be seen, to win market competition requires strategic management, making a SWOT analysis to determine the strengths and weaknesses of the company. Make an analysis of challenges and opportunities, in order to dominate the market.Keywords: Strategic management, Islamic banks, SWOT analysisAbstrak Perkembangan perekonomian saat ini menimbulkan persaingan antar perusahaan dalam menguasai dan mempertahankan pasar. Perusahaan satu dengan perusahaan lain berlomba-lomba untuk menjadi pemenang dalam persaingan usaha. Demikian juga lembaga keuangan bank atau non bank. Dengan meningkatnya kuantitas jumlah nasabah dan pertumbuhan perekonomian bangsa ini, menjadikan perbankan syariah bersaing dengan perbankan syariah lain untuk menjadi yang terdepan dalam memberikan kepuasan dan menguasai  pelanggan. Diperlukan sebuah manajemen khusus untuk menentukan strategi yang tepat dalam setiap langkah kebijakan yang diambil. Untuk itu, manajemen strategik diperlukan  agar dalam setiap kebijakan yang diambil tidak salah sasaran. Karena setiap kesalahan dalam pengambilan kebijakan tentunya akan berdampak negatif bagi perusahaan, baik kerugian dalam bentuk hilangnya pelanggan, atau pun hilangnya pundi-pundi pendapatan. Penulisan ini menggunakan metode pustaka, yakni mengumpulkan data berdasarkan teks-teks tulisan dari berbagai sumber untuk menganalisa. Hasilnya dapat diketahui, untuk memenangkan persaingan pasar dibutuhkan manajemen strategi, membuat analisa SWOT untuk mengetahui kekuatan dan kelemahan perusahaan. Membuat analisa tantangan dan peluang, agar bisa menguasai pasar.Kata Kunci: Manajemen strategi, bank syariah, analisis SWOT

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