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Microeconomic factors affecting mudharabah deposits at Islamic banks in Malaysia / Muhammad Najib Hassan

This study attempts to determine the factors affecting determinants of Islamic savings in Islamic banking. The objective of this research is to examine the Islamic saving determinants in Malaysia and the factors affecting saving in the Islamic banks in Malaysia. The hypothesis that were applied in t...

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Main Author: Hassan, Muhammad Najib
Format: Thesis
Language:English
Published: 2021
Subjects:
Macroeconomics
Interest rates
Finance, Islamic
Online Access:https://ir.uitm.edu.my/id/eprint/106366/1/106366.pdf
https://ir.uitm.edu.my/id/eprint/106366/
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spelling my.uitm.ir.1063662024-12-15T02:43:29Z https://ir.uitm.edu.my/id/eprint/106366/ Microeconomic factors affecting mudharabah deposits at Islamic banks in Malaysia / Muhammad Najib Hassan Hassan, Muhammad Najib Macroeconomics Interest rates Finance, Islamic This study attempts to determine the factors affecting determinants of Islamic savings in Islamic banking. The objective of this research is to examine the Islamic saving determinants in Malaysia and the factors affecting saving in the Islamic banks in Malaysia. The hypothesis that were applied in this research are if people prefer to making saving in Islamic banking, what are the determinants of saving and do the variables give impact on the savings rate. Next, the variables that were used in this research are Mudharabah deposits/savings for dependent variables, meanwhile the independent variables are money supply, base lending rate, conventional deposit rate, consumer price index and industrial production index growth. The findings underline the significant role of the independent variables in deciding the amount of deposits in Islamic banks. In fact higher Islamic deposits are associated substantially with higher return rates and lower interest rates. In addition, the study shows that there is a displacement of commercial risk between Islamic and conventional banks, so that the depositors of Islamic banks move their funds to conventional banks when the rate of return offered by Islamic banks is considerably lower than their counterparty's interest rate. The results of this analysis have significant consequences for the activities of risk assessment at Islamic banks in Malaysia. 2021-07 Thesis NonPeerReviewed text en https://ir.uitm.edu.my/id/eprint/106366/1/106366.pdf Microeconomic factors affecting mudharabah deposits at Islamic banks in Malaysia / Muhammad Najib Hassan. (2021) Degree thesis, thesis, Universiti Teknologi MARA, Johor.
institution Universiti Teknologi Mara
building Tun Abdul Razak Library
collection Institutional Repository
continent Asia
country Malaysia
content_provider Universiti Teknologi Mara
content_source UiTM Institutional Repository
url_provider http://ir.uitm.edu.my/
language English
topic Macroeconomics
Interest rates
Finance, Islamic
spellingShingle Macroeconomics
Interest rates
Finance, Islamic
Hassan, Muhammad Najib
Microeconomic factors affecting mudharabah deposits at Islamic banks in Malaysia / Muhammad Najib Hassan
description This study attempts to determine the factors affecting determinants of Islamic savings in Islamic banking. The objective of this research is to examine the Islamic saving determinants in Malaysia and the factors affecting saving in the Islamic banks in Malaysia. The hypothesis that were applied in this research are if people prefer to making saving in Islamic banking, what are the determinants of saving and do the variables give impact on the savings rate. Next, the variables that were used in this research are Mudharabah deposits/savings for dependent variables, meanwhile the independent variables are money supply, base lending rate, conventional deposit rate, consumer price index and industrial production index growth. The findings underline the significant role of the independent variables in deciding the amount of deposits in Islamic banks. In fact higher Islamic deposits are associated substantially with higher return rates and lower interest rates. In addition, the study shows that there is a displacement of commercial risk between Islamic and conventional banks, so that the depositors of Islamic banks move their funds to conventional banks when the rate of return offered by Islamic banks is considerably lower than their counterparty's interest rate. The results of this analysis have significant consequences for the activities of risk assessment at Islamic banks in Malaysia.
format Thesis
author Hassan, Muhammad Najib
author_facet Hassan, Muhammad Najib
author_sort Hassan, Muhammad Najib
title Microeconomic factors affecting mudharabah deposits at Islamic banks in Malaysia / Muhammad Najib Hassan
title_short Microeconomic factors affecting mudharabah deposits at Islamic banks in Malaysia / Muhammad Najib Hassan
title_full Microeconomic factors affecting mudharabah deposits at Islamic banks in Malaysia / Muhammad Najib Hassan
title_fullStr Microeconomic factors affecting mudharabah deposits at Islamic banks in Malaysia / Muhammad Najib Hassan
title_full_unstemmed Microeconomic factors affecting mudharabah deposits at Islamic banks in Malaysia / Muhammad Najib Hassan
title_sort microeconomic factors affecting mudharabah deposits at islamic banks in malaysia / muhammad najib hassan
publishDate 2021
url https://ir.uitm.edu.my/id/eprint/106366/1/106366.pdf
https://ir.uitm.edu.my/id/eprint/106366/
_version_ 1818838338194374656
score 13.226497

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