Testing the Effect of Financial Robustness in Promoting Financial Adaptability: A Comparative Study Between International Islamic Bank and Elaf Islamic Bank

Abstract

The primary objective of the current study was to test the effect of financial robustness in promoting financial adaptability in International Islamic Bank and Elaf Islamic Bank. This was done by collecting the opinions of banking employees working in the two banks. A sample of (38) employees of the International Islamic Bank was taken, and a sample of (43) employees of the Elaf Islamic Bank was taken, so that the total study sample was (81) Employees, and a questionnaire form was distributed to them. After collecting the questionnaire forms, the data obtained was analyzed using the program (SPSS V.22). The results of the study found that there is a significant and positive effect of financial robustness in enhancing financial adaptability in Elaf Islamic Bank, which is greater than in the International Islamic Bank. These results indicate the importance of investing in financial robustness, as institutions that have high financial robustness are more prepared to face changing and accelerating financial challenges and have a greater ability to adapt.