The present study provides new empirical evidence of bank stability measure for 12 Islamic and conventional banks in the MENA region, for a period from 2005 to 2014. The most known method of measuring bank stability is using CAMELS variables; it was adopted by multiple central banks. After calculating financial ratios for the CAMELS framework, we calculate the average for each variable for the two types of banks, for three periods: Pre-crisis 2005-2006, Subprime Crisis 2007-2008, and Post-Crisis 2009-2014, to examine the effect of the crisis on the soundness of Islamic and conventional banks.

This study empirically examines the internal and external factors of Islamic banks’ financial stability during the time frame from 2006 to 2017 in the Middle Eastern and North African (MENA) region. The stability of Islamic banks was determined by the Z-score, which is one of the most well-known financial stability indicators. Using multiple regression analysis, it is shown that capital adequacy ratio and liquidity positively impact the Z-score of Islamic banks, whilst size, governance and level of concentration have a negative impact. This study recommends raising the capital and the liquidity level of Islamic banks as it helps to promote the financial stability of Islamic banks.

This study aims to examine the relationship between gender and financial risk tolerance. A mixed (qualitative and quantitative) approach was adopted with 100 respondents consisting of 63 Moroccan men and 37 Moroccan women, aged between 18 and 47 years. The analysis of the responses to the questionnaire based on the risk tolerance question of The Survey Of Consumer Finances, demonstrated that men have a higher risk tolerance than women and that there is a relationship between gender and individuals' attitude toward risk. The results of the questionnaire show that 78.37% of the women surveyed have no tolerance for risk and only 21.62% of women are more tolerant of financial risk. While 35 men in our sample are willing to take significant financial risks and only 11 men prefer not to take any. Otherwise, 23.81% of the men surveyed are intolerant of financial risk and 76.19% are more tolerant of financial risk. The regression analysis examined the relationship between testosterone levels in the sample and financial risk tolerance. It was found that there was a positive relationship between the two variables. However, the study reveals that testosterone is not the only factor that could explain excessive risk-taking and thatother variables can also explain financial risk tolerance.

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