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Deposit Insurance Scheme (DIS) has been identified as one of the most significant component of fi... more Deposit Insurance Scheme (DIS) has been identified as one of the most significant component of financial safety net arrangement. It is aimed at consumer protection for the depositors and investors in the banking sector of nations' economy. The role of Islamic deposit insurance as a Shariah compliant version of a conventional deposit insurance scheme, is to create a level playing field between Islamic and conventional banks, apart from maintaining a foundation for public confidence in the banks, it is also to reinforce the consumer protection aspects that are inherent in Islam. Islamic deposit insurance has become more relevant of late due to the development of Islamic finance, which has grown rapidly not only in the Muslim world but also across the Western world. However virtually all the existing DISs are established on legal, regulatory and operational framework devoid of any Islamic bias, one of the greatest challenge facing the operations of Islamic deposit insurance in part...
Journal of Islamic Banking and Finance, 2016
The present paper seeks to analyze the financial stability of Islamic banks in Malaysia. Using th... more The present paper seeks to analyze the financial stability of Islamic banks in Malaysia. Using the time frame of 2008 to 2012, the paper adopts Z-score analysis, Liquidity ratio, Nonperforming financing as well as Credit risk ratio to assess financial stability of Islamic banks. The relevant data were collected from the annual reports of sixteen Islamic banks in Malaysia as obtainable in the bank-scope data base. The finding of the paper reveals that the Z-score is relatively high and thus suggests that Islamic banks at the moment are on the whole financially stable. The paper however finds that Islamic banks at present grant excessive financing while the total assets they invest on financing are on the increase. This therefore portrays an impending financial crisis for Islamic banks if their current financing mechanism is not revisited. The implication of this paper is that Islamic banks have the potentials of absorbing shock and are not likely to experience financial mess in the immediate term provided their liquidity ratios and loan to deposit ratios are regularly kept under check.
The present paper seeks to analyze the financial stability of Islamic banks in Malaysia. Using th... more The present paper seeks to analyze the financial stability of Islamic banks in Malaysia. Using the time frame of 2008 to 2012, the paper adopts Z-score analysis, Liquidity ratio, Nonperforming financing as well as Credit risk ratio to assess financial stability of Islamic banks. The relevant data were collected from the annual reports of sixteen Islamic banks in Malaysia as obtainable in the bank-scope data base. The finding of the paper reveals that the Z-score is relatively high and thus suggests that Islamic banks at the moment are on the whole financially stable. The paper however finds that Islamic banks at present grant excessive financing while the total assets they invest on financing are on the increase. This therefore portrays an impending financial crisis for Islamic banks if their current financing mechanism is not revisited. The implication of this paper is that Islamic banks have the potentials of absorbing shock and are not likely to experience financial mess in the immediate term provided their liquidity ratios and loan to deposit ratios are regularly kept under check.
Deposit Insurance Scheme (DIS) has been identified as one of the most significant component of fi... more Deposit Insurance Scheme (DIS) has been identified as one of the most significant component of financial safety net arrangement. It is aimed at consumer protection for the depositors and investors in the banking sector of nations' economy. The role of Islamic deposit insurance as a Shariah compliant version of a conventional deposit insurance scheme, is to create a level playing field between Islamic and conventional banks, apart from maintaining a foundation for public confidence in the banks, it is also to reinforce the consumer protection aspects that are inherent in Islam. Islamic deposit insurance has become more relevant of late due to the development of Islamic finance, which has grown rapidly not only in the Muslim world but also across the Western world. However virtually all the existing DISs are established on legal, regulatory and operational framework devoid of any Islamic bias, one of the greatest challenge facing the operations of Islamic deposit insurance in part...
Journal of Islamic Banking and Finance, 2016
The present paper seeks to analyze the financial stability of Islamic banks in Malaysia. Using th... more The present paper seeks to analyze the financial stability of Islamic banks in Malaysia. Using the time frame of 2008 to 2012, the paper adopts Z-score analysis, Liquidity ratio, Nonperforming financing as well as Credit risk ratio to assess financial stability of Islamic banks. The relevant data were collected from the annual reports of sixteen Islamic banks in Malaysia as obtainable in the bank-scope data base. The finding of the paper reveals that the Z-score is relatively high and thus suggests that Islamic banks at the moment are on the whole financially stable. The paper however finds that Islamic banks at present grant excessive financing while the total assets they invest on financing are on the increase. This therefore portrays an impending financial crisis for Islamic banks if their current financing mechanism is not revisited. The implication of this paper is that Islamic banks have the potentials of absorbing shock and are not likely to experience financial mess in the immediate term provided their liquidity ratios and loan to deposit ratios are regularly kept under check.
The present paper seeks to analyze the financial stability of Islamic banks in Malaysia. Using th... more The present paper seeks to analyze the financial stability of Islamic banks in Malaysia. Using the time frame of 2008 to 2012, the paper adopts Z-score analysis, Liquidity ratio, Nonperforming financing as well as Credit risk ratio to assess financial stability of Islamic banks. The relevant data were collected from the annual reports of sixteen Islamic banks in Malaysia as obtainable in the bank-scope data base. The finding of the paper reveals that the Z-score is relatively high and thus suggests that Islamic banks at the moment are on the whole financially stable. The paper however finds that Islamic banks at present grant excessive financing while the total assets they invest on financing are on the increase. This therefore portrays an impending financial crisis for Islamic banks if their current financing mechanism is not revisited. The implication of this paper is that Islamic banks have the potentials of absorbing shock and are not likely to experience financial mess in the immediate term provided their liquidity ratios and loan to deposit ratios are regularly kept under check.