A Comparative Analysis of Profit Rate on Deposit in Islamic Banks in Bangladesh

The study is based on a total number of seven full-fledged listed Islamic Banks operating in Bangladesh. Secondary sources of data are used in this research. Data were collected from the Website of Bangladesh Bank and studying relevant literatures. This paper examines whether there is any differences of profit rate on deposits among different Islamic Banks. It also aims at finding whether there is any relationship between inflation and profit rate on deposits. Analyses have been done for two types of deposits accounts called Mudaraba Term Deposits Account and Mudaraba Savings Account. The results of the study reveal that, in case of Term Deposits the highest mean return is 11.06458% as offered by the First Security Islamic Bank Ltd. and the lowest mean return of 8.687500% is offered by Export Import Bank of Bangladesh Ltd. while in case of Mudaraba Savings Deposits the highest mean return of 6.583333% is offered by the First Security Islamic Bank Ltd. and the lowest mean return of 4.330417% is offered by Al Arafah Islami Bank Ltd. during the studied period. One sample t-test has been applied to find whether there is any significant difference in profit rate in different months and the study unfolds that the profit rate differs significantly in all the banks from month to month. The findings of Paired Sample t-test suggests that there is a significant difference in mean return between the Islamic banks in both of the Mudaraba Term Deposits and Mudaraba Savings Accounts in all the cases except for two pairs as the return on savings deposit does not significantly differ between Al Arafah Islami Bank Ltd. and Social Islami Bank Limited while it does not differ significantly between Social Islami Bank Limited and Islami Bank Bangladesh Ltd. in case of Mudaraba Term Deposits. Finally, the relationship between inflation and rate of profit is found insignificant in case of Mudaraba Saving Deposits while significant relationship has been discovered between Mudaraba Term Deposits and rate of inflation.IIUC Studies Vol.10 & 11 December 2014: 81-98

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An Investigation of the Performance of Islamic and Interest Based Banking Evidence from Pakistan

HOLISTICA – Journal of Business and Public Administration ◽

10.1515/hjbpa-2018-0007 ◽

2018 ◽

Vol 9 (1) ◽

pp. 81-112 ◽

Cited By ~ 2

Author(s):

Tauseef Khan ◽

Waqar Ahmad ◽

Muhammad Khalil Ur Rahman ◽

Fazal Haleem

Keyword(s):

Financial Performance ◽

Banking Sector ◽

Secondary Data ◽

Primary Data ◽

Islamic Banks ◽

Risk Capital ◽

Secondary Sources ◽

Islamic Bank ◽

Significant Difference ◽

Conventional Banks

Abstract The main difference between Islamic and conventional banking is that Islamic banking works on profit and loss while conventional banking work is interest based. The aim of this research study is to measure and compare the financial performance of Islamic and conventional banking in Pakistan during 2006 to 2015. This study is to examine and to evaluate the performance of 5 Islamic banks (Meezan Islamic Bank, Bank Islami Limited, Al Baraka Islamic Bank, Dubai Islamic Bank Limited and Burj Bank Limited) and 5 conventional banks (Muslim Commercial Bank Limited, United Bank Limited, Askari Bank Limited, Allied Bank Limited, Habib Bank Limited) in terms of profitability, liquidity, risk, capital and efficiency. We used quantitative and qualitative data for comparison of Islamic and conventional banks. Collection of data consists on both primary as well as secondary sources. Primary data has been gathered from interviews and Secondary data has been gathered from the balance sheets and income statements of the sampled banks for the period of 2006 to 2015.Financial ratios such as profitability ratios, liquidity ratios, solvency ratios, capital ratios and efficiency ratios are used for measure of the financial performance of both banking sector. The results indicate that Islamic banks are less profitable, more liquid, less risky and less efficient. There is no significant difference in terms of capital between Islamic and conventional banks.

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Pricing Linkage between Islamic Banking and Conventional Banking: The Case of Bangladesh

International Journal of Finance & Banking Studies (2147-4486) ◽

10.20525/.v3i4.193 ◽

2016 ◽

Vol 3 (4) ◽

pp. 84

Author(s):

Sarwar Uddin Ahmed ◽

Ashikur Rahman ◽

Samuel Parvez Ahmed ◽

G M Wali Ullah

Keyword(s):

Profit Sharing ◽

Islamic Banking ◽

Specific Rate ◽

Islamic Banks ◽

Loss Mechanism ◽

Monthly Data ◽

For Profit ◽

Significant Difference ◽

Conventional Banks ◽

The Relationship

Islamic banking is based on profit and loss mechanism where the use of interest is prohibited. Unlike conventional banks, these banks do not charge a specific rate of interest, rather provides financing in exchange for profit sharing. However, there are studies claiming that, in practice, Islamic banking is same as conventional banking with regard to the use of interest. It is also claimed that, Islamic deposits are not interest-free, but are closely attached to conventional deposits. On this background, the objective of this study is to examine the relationship between pricing in Islamic banks vis-à-vis conventional banks by taking the case of Bangladesh. We have used monthly data during the period of 2009-2013. The findings of the study showed that, there is no statistically significant difference between the monthly average lending rates of Islamic banks and conventional banks. However, there is significant difference between deposit rates. The existence of causal relationship was inconclusive, and requires further analysis.

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DETERMINANTS OF SHARIA BANKING MARKET SHARE GROWTH IN INDONESIA

Airlangga International Journal of Islamic Economics and Finance ◽

10.20473/aijief.v1i2.20805 ◽

2020 ◽

Vol 1 (2) ◽

pp. 87

Author(s):

Nizar Hosfaikoni Hadi ◽

Muh. Khairul Fatihin

Keyword(s):

Interest Rates ◽

Market Share ◽

Financial Services ◽

Research Data ◽

Islamic Banking ◽

Islamic Banks ◽

Profit Rate ◽

Banking Market ◽

Banking Markets ◽

Default Rate

AbstractThe purpose of this paper is to investigate the variables that influence Islamic banking markets in Indonesia. The research data were obtained directly from the website of the Central Statistics Agency (BPS) and the financial services authority(OJK) from 2011-2018 which were taken on a quarterly basis. This study uses multiple regression analysis to analyze the factors that have an impact on the market share of Islamic banks in Indonesia. The variable that can affect Islamic banking marketshare in Indonesia is the liquidity ratio (FDR). While other variables such as the default rate (NPF), profit rate (ROA), economic growth (GDP) and conventional bank interest rates (INT) do not affect Islamic banking. The results suggest that Islamic banking regulates liquidity ratios (FDR) so that Islamic banking can effectively increase its market. This study complements previous research so that Islamic banking maintains a liquidity ratio in order to remain balanced.Keywords: marketshare, Islamic banking, FDR, GDP, ROA

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Analisis Perbandingan Kinerja Keuangan Dan Ekonomi Sosial Bank Syariah Antara Sebelum Dan Sesudah Ditetapkannya Fatwa MUI Tentang Haramnya Bunga Bank

Jurnal Ekonomi Syariah Teori dan Terapan ◽

10.20473/vol3iss201612pp973-988 ◽

2017 ◽

Vol 3 (12) ◽

pp. 973

Author(s):

Lia Auliah Rachmah ◽

Nisful Laila

Keyword(s):

Social Performance ◽

Secondary Data ◽

T Test ◽

Quantitative Approach ◽

Islamic Banks ◽

Financial Reports ◽

Significant Difference ◽

Before And After

This study aims to find out the comparison between the performance of Islamic Banks including financial performances such as the ratio of ROA, ROE, FDR and CAR as wells economic and social performance such as MMR ratio before and after the determination of fatwa regarding the prohibition against bank interest. Quantitative approach and independent sample t-test has been used in this study. The data is a secondary data which was obtained by collecting the annual financial reports. The result of the independent sample t-test shows that there are significant differences between the performance of the Islamic banks before and after the fatwa on the ratio of ROE, FDR and MMR. Whereas on the ratio of ROA and CAR have no significant difference before and after the fatwa.

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Komparasi Bank Syariah di Indonesia dan Malaysia ditinjau dari RBBR dan Islamicity Performance

Jurnal Ekonomi Syariah Teori dan Terapan ◽

10.20473/vol6iss201911pp2158-2171 ◽

2020 ◽

Vol 6 (11) ◽

pp. 2158

Author(s):

Yunita Rahmania Herviyani ◽

Dian Filianti

Keyword(s):

Data Collection ◽

T Test ◽

Annual Reports ◽

Business Continuity ◽

Islamic Banks ◽

Whitney Test ◽

Islamic Bank ◽

Health Level ◽

Business Entities ◽

Test Result

To evaluate Islamic Bank for business continuity is usually measured by the Risk-Based Bank Rating (RBBR), But Islamic Bank as Islamic Business entities also need to be measured in terms of the Islamicity Performance. This study aims to analyze the comparison of Risk-Based bank Rating and Islamicity Performance of 11 Indonesian Islamic Banks and 11 Malaysian Islamic Banks. The Data collection in this research was done by collecting all the annual reports of Banks that has been created as sample over the period 2013-2018. The test result of the independent Samples T-test and Mann-Whitney Test show that there were no differences of Islamic Banks in Indonesia and Malaysia as seen from the aspect of FDR, ROA, CAR, and ZPR. While there were differences of Banks Health level and Islamicity Performance as seen from Earning (ROE) and Zakat Performance (ZPR) aspects.Keywords: Bank Helath Level, Risk-Based Bank Rating, Islamicity Performance, Syariah Banking

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Examination of the Relation between Strategic Leadership Expectations and Organizational Justice: A Research on Health Sector

International Journal of Human Resource Studies ◽

10.5296/ijhrs.v8i1.12080 ◽

2017 ◽

Vol 8 (1) ◽

pp. 109

Author(s):

Ayhan Yalçınsoy ◽

Cenk Aksoy

Keyword(s):

Linear Relationship ◽

Organizational Justice ◽

Health Sector ◽

Demographic Variables ◽

Research Data ◽

T Test ◽

Healthcare Sector ◽

Strategic Leadership ◽

Positive Linear Relationship ◽

The Relationship

The aim of this study is to examine the relationship between strategic leadership and organizational justice within the healthcare sector. In the context of the study, the introduced model was tested by a questionnaire instrument with 41 items excluding demographic variables. A total of 320 completed questionnaires were used for analysis. Correlation, regression, T test and Anova analyzes were applied to the research data that obtained by the questionnaire. The study focused on the employees of hospitals in the Diyarbakir province of Turkey. The results suggest that there is a very strong positive linear relationship between strategic leadership and organizational justice variables. The result of the study is consistent with the results of previous research. Also, some disparities were observed among the demographic variables of the study.

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PERBANDINGAN TINGKAT KESEHATAN BANK UMUM KONVENSIONAL DAN BANK UMUM SYARIAH MENGGUNAKAN METODE RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, DAN CAPITAL)

Jurnal Ilmiah Mahasiswa Ekonomi Akuntansi ◽

10.24815/jimeka.v4i4.15325 ◽

2020 ◽

Vol 4 (4) ◽

pp. 635-653

Author(s):

Zara Zettyra R. D ◽

Evi Mutia

Keyword(s):

Corporate Governance ◽

Commercial Banks ◽

Risk Profile ◽

T Test ◽

Islamic Banks ◽

Self Assessment ◽

Good Corporate Governance ◽

Significant Difference

The purpose of this study was to see a comparison of the health levels of conventional commercial banks and Islamic commercial banks using the RGEC method in the 2014-2017 period. The sample of this study were 30 conventional commercial banks and 11 sharia commercial banks. The assessment used uses the RGEC method (Risk Profile, Good Corporate Governance, Earnings, Capital) Risk Profile seen through the NPL and NPF indicators for conventional commercial banks while Islamic banks use LDR and FDR. Corporate governance is measured through Self Assessment. Earnings are measured through ROA and NIM indicators. Capital is measured based on the CAR indicator. Testing the hypothesis in this study using the Independent T-Test and Mann-Wnithey Test samples. The results of this study indicate that there is a difference between conventional commercial banks and Islamic commercial banks seen from the ratio of NPL, LDR, and ROA. While the ratio of GCG, NIM, and CAR does not have a significant difference between conventional commercial banks and Islamic commercial banks.

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Perbandingan Hasil Belajar Matematika Antara Yang Menggunakan Pendekatan Konstruktivisme Dengan Pendekatan Open Ended

SAP (Susunan Artikel Pendidikan) ◽

10.30998/sap.v3i1.2741 ◽

2018 ◽

Vol 3 (1) ◽

Author(s):

Avini Nurazhimah Arfa

Keyword(s):

Learning Outcomes ◽

Research Method ◽

Mathematics Learning ◽

Research Data ◽

T Test ◽

Chi Square ◽

Learning Mathematics ◽

Significant Difference ◽

Chi Square Test ◽

Better Than

The purpose of this research is to know whether or not there are differences of learning outcomes of students of class X TKJ 1 and X TKJ 2 between those using a constructivism approach and those using an open-ended approach in learning mathematics in statistics chapter. The research method used is a quasi-experiment with population of students of SMK TERPADU HUTAMA and with samples of 68 people simply and randomly taken by using a self-developed instrument in the form of test about Mathematics Learning Outcomes. The research data for the experimental and controlled classes are collected by analyzing the test using t test, while the normality analysis requirement is analyzed by testing with chi-square test and homogeneity with F test. The result of the research shows that there is a significant difference between students’ learning outcomes through constructivism approach and through an open-ended approach to mathematics learning in SMK TERPADU HUTAMA. From the research results, it can be concluded that the constructivism approach is better than the open-ended approach in statistics learning because the former can encourage the development of individual’s skill in the classroom.

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Physical Self-Concept dan Body Mass Index: Hubungan dan Perbedaan berdasarkan Gender

Jurnal Terapan Ilmu Keolahragaan ◽

10.17509/jtikor.v4i2.19016 ◽

2019 ◽

Vol 4 (2) ◽

pp. 127-132

Author(s):

Iman Ermawan ◽

Jajat Jajat ◽

Nana Sutisna

Keyword(s):

High School ◽

Body Mass Index ◽

Correlation Coefficient ◽

Body Mass ◽

Significant Relationship ◽

T Test ◽

Self Concept ◽

Men And Women ◽

Significant Difference ◽

The Relationship

Penelitian ini bertujuan untuk mengkaji hubungan antara Physical Self-Concept (PSC)dengan Body Mass Index (BMI)serta perbedaan PSC dan BMI berdasarkan gender. Metode yang digunakan pada penelitian ini adalah assosiasonal (correlational dan kausal-komparatif). Sample berjumlah 59 orang siswa remaja SMA di Kabupaten Ciamis. Instrument yang digunakan untuk mengukur PSC adalah Physical Self Description Questionnaire (PSDQ). Untuk menguji hubungan antara PSC dan BMI digunakan koefisien korelasi, dan untuk uji beda digunakan independent sample t-test. Hasil pengolahan dan analisis menunjukan bahwa, (1) tidak ada hubungan yang signifikan antara PSC dan BMI (p 0.05); (2) tidak terdapat perbedaan BMI yang signifikan antara laki-laki dan perempuan (p 0.05); (3) terdapat perbedaan PSC yang signifikan antara laki-laki dan perempuan (p 0.05).This study aims to examine the relationship between Physical Self-Concept (PSC) and Body Mass Index (BMI) and differences in PSC and BMI based on gender. The method used in this study is associational (correlational and causal-comparative). Sample amounted to 59 high school teenagers in Ciamis Regency. The instrument used to measure PSC is Physical Self Description Questionnaire (PSDQ). To test the relationship between PSC and BMI used the correlation coefficient, and for the different tests used independent sample t-test. The results of processing and analysis show that, (1) there is no significant relationship between PSC and BMI (p 0.05); (2) there was no significant difference in BMI between men and women (p 0.05); (3) there are significant differences in PSC between men and women (p 0.05).

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Efficiency Of Islamic Banks During Subprime Crisis: Evidence Of GCC Countries

Journal of Applied Business Research (JABR) ◽

10.19030/jabr.v29i1.7615 ◽

2013 ◽

Vol 29 (1) ◽

pp. 285 ◽

Cited By ~ 10

Author(s):

Zied Ftiti ◽

Olfa Nafti ◽

Safa Sreiri

Keyword(s):

Data Envelopment ◽

Subprime Crisis ◽

Panel Analysis ◽

Islamic Banks ◽

Font Size ◽

Macroeconomic Variables ◽

Explanatory Variables ◽

Islamic Bank ◽

Gcc Countries ◽

The Relationship

This paper investigates the efficiency of the Islamic bank in GCC countries around the subprime crisis of 2008. The score of efficiency is evaluated by using the Data envelopment approach (DEA). Two different approaches are evaluated; the constant return scale (CRS) and Variable return scale (VRS). Then, a regression panel analysis is employed to examine the relationship between efficiency scores derived from the DEA to a set of explanatory variables combined between macroeconomic variables and microeconomic variables. The main finding of this paper is to show that the Islamic bank remains efficient under subprime crisis.

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