Influence of Economic Factors on Performance of Investment and Mudharabah Accounts in Maybank, Malaysia

Zainal, Noor Saliza; Yusof, Zulkafli Mohd.; Jusoff, Kamaruzaman

doi:10.5539/ijef.v1n2p221

Cited by 3 publications

(3 citation statements)

References 3 publications

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“…Any change in the rate of interest of conventional banks will have a noteworthy effect on the customers of both conventional and Islamic banks. These results are similar to the previous studies conducted (Abduh et al, 2011;Haron and Ahmad, 2000;Kasri and Kassim, 2009;Zainal et al, 2009). Any increase in BLR will result in a decrease in the amount of conventional bank deposits.…”

Section: Discussionsupporting

confidence: 91%

“…Outcomes illustrate that GDP has a negative but insignificant relation with the deposits of conventional banks. This finding supports the theory of permanent income and is also in line with the findings of Finger and Hesse (2009) and Zainal et al (2009). Furthermore, we have applied CUSUM and CUSUMSQ tests to examine the validity and reliability of empirical results (Bahmani-Oskooee and Nasir, 2004).…”

Section: Discussionsupporting

confidence: 87%

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Determinants of deposits in conventional and Islamic banking: a case of an emerging economy

Akhtar

Akhter

Shahbaz

2017

Int Journal of Emerging Mkts

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Purpose -The purpose of this paper is to examine the impact of base lending rate (BLR), consumer prices, gross domestic product, money supply (M 3 ), Karachi stock exchange composite index, KIBOR, and profit rate of Islamic banks on deposits of both conventional and Islamic banks in Pakistan. Design/methodology/approach -Quarterly data of six years (2006)(2007)(2008)(2009)(2010)(2011) are obtained from 30 banks, consisting of 25 conventional and five Islamic banks. The short-run as well as long-run relationships among these variables are examined by utilizing advanced time series approach. Bounds testing and autoregressive distributed lag have been used to examine cointegration and error correction framework for short-run dynamics. Findings -The empirical results reveal that variables such as interest rate of conventional banks, profit of Islamic banks, consumer prices, M 3 , and BLR have different impact on conventional and Islamic bank deposits. Depositors of conventional and Islamic banks are sensitive to the returns received on deposits. A boost in interest rate increases the deposits of conventional banks but decreases those of Islamic banks. Originality/value -This study signifies that customers of Islamic banks are motivated by profit. This indicates the normal behavior of customers, hence endures the substitution effect in conventional system. The study has important implications for Islamic banks to offer more competitive rates of profit with respect to the interest rate of conventional banks in order to collect more deposits. It also identifies relevant policy implication for the central bank of the country.

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Section: Discussionsupporting

confidence: 91%

Section: Discussionsupporting

confidence: 87%

Determinants of deposits in conventional and Islamic banking: a case of an emerging economy

Akhtar

Akhter

Shahbaz

2017

Int Journal of Emerging Mkts

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“…Hasil penelitian ini mendukung penelitian yang dilakukan oleh Zainal, dkk (Zainal, Yusof, and Jusoff 2009) …”

Section: Breusch-godfrey Serialunclassified

Pengaruh Produk Domestik Bruto (PDB), Jumlah Bagi Hasil dan Jumlah Kantor terhadap Jumlah Deposito Muḍārabah Bank Syariah di Indonesia Periode 2011-2015

Meyliana

Mulazid

2017

Economica

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This study found the influence of Gross Domestic Product (GDP), the amount of profit sharing and the number of offices to the number of muḍārabah deposits of Islamic banks in Indonesia. The data used in this research is quarterly data from 2011-2015 period. The method of analysis used in this research is Data Panel Regression Analysis by using computer program Eviews version 9.0 and Microsoft Excel 2010. The results in this study indicate that partially Gross Domestic Product (GDP), the amount of profit sharing and the number of offices have a significant influence on the amount Muḍārabah deposits. This result is evidenced by a significant value of 0.0000 that is smaller than 0.05 and has a positive direction. So the greater of GDP, number of profit sharing and the number of offices, the greater number of muḍārabah deposits of Islamic banks in Indonesia. Hasil dalam penelitian ini menunjukkan bahwa secara parsial Produk Domestik Bruto (PDB), jumlah bagi hasil dan jumlah kantor memiliki pengaruh signifikan terhadap jumlah deposito muḍārabah. Hasil ini dibuktikan dengan nilai signifikan sebesar 0.0000 yaitu lebih kecil dari 0.05 dan memiliki arah positif. Sehingga semakin besar PDB, jumlah bagi hasil dan jumlah kantor, maka semakin besar pula jumlah deposito muḍārabah bank syariah di Indonesia.

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Backward Stepwise Modelling for Unemployment Rate in Malaysia

Mansor,

Mostapar,

Hasan

et al. 2023

2023 IEEE International Conference on Computing (ICOCO)

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Influence of Economic Factors on Performance of Investment and Mudharabah Accounts in Maybank, Malaysia

Cited by 3 publications

References 3 publications

Determinants of deposits in conventional and Islamic banking: a case of an emerging economy

Determinants of deposits in conventional and Islamic banking: a case of an emerging economy

Pengaruh Produk Domestik Bruto (PDB), Jumlah Bagi Hasil dan Jumlah Kantor terhadap Jumlah Deposito Muḍārabah Bank Syariah di Indonesia Periode 2011-2015

Backward Stepwise Modelling for Unemployment Rate in Malaysia

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