表紙画像

Determinants of Malaysian Islamic bank deposits performance

The lower-than-targeted growth rate in Malaysia’s Islamic banking sector is raising concerns. Islamic banking assets account for only 36.3% of total banking assets, missing the Malaysian government's 2022 target of 40%. Furthermore, Islamic deposits and investment accounts comprised only 41.6%...

詳細記述

保存先:
書誌詳細
第一著者: Sazana, Ab Rahman
フォーマット: 学位論文
言語:English
English
出版事項: 2024
主題:
HG Finance
オンライン･アクセス:https://etd.uum.edu.my/11610/1/Depositpermission_s904598.pdf
https://etd.uum.edu.my/11610/2/s904598_01.pdf
https://etd.uum.edu.my/11610/
タグ: タグ追加
タグなし, このレコードへの初めてのタグを付けませんか!
id my.uum.etd.11610
record_format eprints
spelling my.uum.etd.116102025-03-12T03:18:51Z https://etd.uum.edu.my/11610/ Determinants of Malaysian Islamic bank deposits performance Sazana, Ab Rahman HG Finance The lower-than-targeted growth rate in Malaysia’s Islamic banking sector is raising concerns. Islamic banking assets account for only 36.3% of total banking assets, missing the Malaysian government's 2022 target of 40%. Furthermore, Islamic deposits and investment accounts comprised only 41.6% of total bank deposits and savings. The issue is further exacerbated by rapid fluctuations in the growth rate of Islamic bank deposits. Despite these challenges, factors affecting Islamic bank deposits have not been comprehensively studied. Therefore, this research aims to examine the effect of bank-specific factors, macroeconomic factors, and regulatory factors on the performance of Islamic bank deposits. Additionally, business enterprise depositors are measured as a moderating variable in this study. This study employs quantitative approach using secondary data from 16 Islamic banks between 2000 and 2021. The data were collected from Islamic banks’ annual reports, Bank Negara Malaysia, World Bank, Department of Statistics Malaysia, and other specified sources. The data were analyze using panel data regressions. The results indicate that performance of Islamic bank deposits is significantly impacted by bank-specific factors (net profit margin, bank concentration, financing-to-deposit ratio, and bank size) and macroeconomic factors (gross domestic product and inflation). Additionally, the moderating variable of business enterprise depositors only strengthens the relationship between the net profit margin and the performance of Islamic bank deposits. Overall, the findings suggest that bank-specific factors have a more substantial impact on the performance of Islamic bank deposits than macroeconomic and regulatory factors. Therefore, Islamic banks should prioritize bank-specific factors determinants to ensure stability. The efforts shall be performed while also taking macroeconomic factors into meticulous consideration. 2024 Thesis NonPeerReviewed text en https://etd.uum.edu.my/11610/1/Depositpermission_s904598.pdf text en https://etd.uum.edu.my/11610/2/s904598_01.pdf Sazana, Ab Rahman (2024) Determinants of Malaysian Islamic bank deposits performance. Doctoral thesis, Universiti Utara Malaysia.
institution Universiti Utara Malaysia
building UUM Library
collection Institutional Repository
continent Asia
country Malaysia
content_provider Universiti Utara Malaysia
content_source UUM Electronic Theses
url_provider http://etd.uum.edu.my/
language English
English
topic HG Finance
spellingShingle HG Finance
Sazana, Ab Rahman
Determinants of Malaysian Islamic bank deposits performance
description The lower-than-targeted growth rate in Malaysia’s Islamic banking sector is raising concerns. Islamic banking assets account for only 36.3% of total banking assets, missing the Malaysian government's 2022 target of 40%. Furthermore, Islamic deposits and investment accounts comprised only 41.6% of total bank deposits and savings. The issue is further exacerbated by rapid fluctuations in the growth rate of Islamic bank deposits. Despite these challenges, factors affecting Islamic bank deposits have not been comprehensively studied. Therefore, this research aims to examine the effect of bank-specific factors, macroeconomic factors, and regulatory factors on the performance of Islamic bank deposits. Additionally, business enterprise depositors are measured as a moderating variable in this study. This study employs quantitative approach using secondary data from 16 Islamic banks between 2000 and 2021. The data were collected from Islamic banks’ annual reports, Bank Negara Malaysia, World Bank, Department of Statistics Malaysia, and other specified sources. The data were analyze using panel data regressions. The results indicate that performance of Islamic bank deposits is significantly impacted by bank-specific factors (net profit margin, bank concentration, financing-to-deposit ratio, and bank size) and macroeconomic factors (gross domestic product and inflation). Additionally, the moderating variable of business enterprise depositors only strengthens the relationship between the net profit margin and the performance of Islamic bank deposits. Overall, the findings suggest that bank-specific factors have a more substantial impact on the performance of Islamic bank deposits than macroeconomic and regulatory factors. Therefore, Islamic banks should prioritize bank-specific factors determinants to ensure stability. The efforts shall be performed while also taking macroeconomic factors into meticulous consideration.
format Thesis
author Sazana, Ab Rahman
author_facet Sazana, Ab Rahman
author_sort Sazana, Ab Rahman
title Determinants of Malaysian Islamic bank deposits performance
title_short Determinants of Malaysian Islamic bank deposits performance
title_full Determinants of Malaysian Islamic bank deposits performance
title_fullStr Determinants of Malaysian Islamic bank deposits performance
title_full_unstemmed Determinants of Malaysian Islamic bank deposits performance
title_sort determinants of malaysian islamic bank deposits performance
publishDate 2024
url https://etd.uum.edu.my/11610/1/Depositpermission_s904598.pdf
https://etd.uum.edu.my/11610/2/s904598_01.pdf
https://etd.uum.edu.my/11610/
_version_ 1827445201303502848
score 13.251813

類似資料