yomna daoud - Academia.edu (original) (raw)
Papers by yomna daoud
Handbook of Research on Interdisciplinary Perspectives on the Threats and Impacts of Pandemics, 2022
In December 2019, a new viral pneumonia called COVID-19 appeared in Wuhan, China causing a health... more In December 2019, a new viral pneumonia called COVID-19 appeared in Wuhan, China causing a health crisis that then turned into an economic and social crisis. Since then, entire sectors of the economy have been slowing down, forcing them to integrate innovative digital processes to mitigate the negative impact of this crisis. In this regard, the purpose of the chapter is to initiate a reflection on digitization processes based on a review of the literature to help explain the concept. This work allowed spotlighting the existing research on digitalization through practical case studies in business, education, and health systems, and how organizations perceive digitalization during the COVID-19 pandemic. The authors analyze how digital platforms can increase the survival rate of businesses in times of crisis and ensure the continuity of customers' access to the various goods and services. The purpose behind this is to serve as a basis for further empirical research for academics an...
International Journal of Economics and Financial Issues
International Review of Management and Marketing
This paper investigates whether regulatory pressures have an impact on the relationship between c... more This paper investigates whether regulatory pressures have an impact on the relationship between change in capital and bank risk-taking. On the basis of a well developed theoretical background, capital regulation constitutes the core of prudential regulation within the banking sector. Several researches have investigated this relationship between capital and risk in conventional banks, and this subject has gained in interest since the last financial crisis. This study is one of the few studies that have attempted to provide empirical evidence on this issue for Islamic banks. We use data of Islamic banking sectors over the period 2010–2014. The results reveal that Islamic banks tend to behave differently at each level of capital adequacy. In addition, we provide some evidence that change in capital is positively related to the change in risk for highly capitalized Islamic banks.
International Journal of Economics and Financial Issues
Asian Economic and Financial Review
This research investigates the financial performance of the Islamic banking sectors in Tunisia fr... more This research investigates the financial performance of the Islamic banking sectors in Tunisia from year 2010-2014. The Islamic banking in Tunisia is new as compared to the conventional banking. The literature review shows that no such analysis has been dedicated to Islamic banking in Tunisia before this study. Therefore, to give a clear picture of Islamic banks to the stakeholders, the financial position of the two Islamic banks in Tunisia has been analyzed. The Performance estimates of individual banks in profitability, liquidity, risk and solvency are evaluated using the most significant financial ratios analysis. The study assesses also the overall stability of each bank. The descriptive statistical measurements (mean, standard deviation and coefficient of variation) were used to classify the performance, measuring the dispersion and the variability of these ratios. The results indicated that both banks are holding a robust financial performance position in banking industry during the period studied. Whereas al Baraka bank has slightly better levels of profitability and risk management as compared to Zitouna bank. Overall, two Islamic banks are financially stable, however al Baraka bank is in a greatest position than the Zitouna bank in terms of stability. Contribution/ Originality: This study is one of the few studies which have analyzed the performance of Islamic banking industry in Tunisia. Also it contributes in the existing literature by employing the parametric approach to evaluate banking performance. The finding of this study will attract the attention of Islamic financial practitioners, policy makers and academicians.
Revue Libanaise de Gestion et d'Économie, 2011
ABSTRACT The investment is a need for the perennially and the prosperity of the companies. The be... more ABSTRACT The investment is a need for the perennially and the prosperity of the companies. The behavior of investment of the companies was the object of a large number of theoretical and empirical work. The goal is to identify the determinants of the investment of the companies. The objective of our study is double; on the one hand to give an outline on the determinants of the investment within the framework of the perfect market of capital and in the presence of financial constraints due to asymmetries of information and on the other hand to test, in the context of the Tunisian companies, the importance of the financial constraints in the explanation of the behavior of investment. For this purpose we carried out an empirical analysis on a sample of 17 companies belonging to the various sectors of the Tunisian economy lasting the period going from 2000 to 2007 and this by using the methodology of the data of panel. The empirical tests show that the Tunisian companies (smallest and those with which the banks do not have close relationships) know an environment with strong asymmetry of information between lenders and borrowers; they are also forced in their accesses to the external debt because of the celling of debt.
La Revue Gestion et Organisation, 2011
Growth and Emerging Prospects of International Islamic Banking
Investors from North Africa are interested in financial products with ethical focus and specific ... more Investors from North Africa are interested in financial products with ethical focus and specific risk profile and are in accordance with their religious convictions. This chapter reviews the status of Islamic banking (IB) in North Africa in which the governments have started introducing fundamental legal and regulatory frameworks to promote the development of Islamic finance. The study also discusses the prospect of Islamic banking in these jurisdictions. To fulfill the objectives of the proposed study, a qualitative research was performed. The empirical approach of this study analyzed the financial position of different banks in North African countries. Overall, Islamic finance can be an ideal opportunity for financing infrastructure and development projects in North Africa.
Handbook of Research on Interdisciplinary Perspectives on the Threats and Impacts of Pandemics, 2022
In December 2019, a new viral pneumonia called COVID-19 appeared in Wuhan, China causing a health... more In December 2019, a new viral pneumonia called COVID-19 appeared in Wuhan, China causing a health crisis that then turned into an economic and social crisis. Since then, entire sectors of the economy have been slowing down, forcing them to integrate innovative digital processes to mitigate the negative impact of this crisis. In this regard, the purpose of the chapter is to initiate a reflection on digitization processes based on a review of the literature to help explain the concept. This work allowed spotlighting the existing research on digitalization through practical case studies in business, education, and health systems, and how organizations perceive digitalization during the COVID-19 pandemic. The authors analyze how digital platforms can increase the survival rate of businesses in times of crisis and ensure the continuity of customers' access to the various goods and services. The purpose behind this is to serve as a basis for further empirical research for academics an...
International Journal of Economics and Financial Issues
International Review of Management and Marketing
This paper investigates whether regulatory pressures have an impact on the relationship between c... more This paper investigates whether regulatory pressures have an impact on the relationship between change in capital and bank risk-taking. On the basis of a well developed theoretical background, capital regulation constitutes the core of prudential regulation within the banking sector. Several researches have investigated this relationship between capital and risk in conventional banks, and this subject has gained in interest since the last financial crisis. This study is one of the few studies that have attempted to provide empirical evidence on this issue for Islamic banks. We use data of Islamic banking sectors over the period 2010–2014. The results reveal that Islamic banks tend to behave differently at each level of capital adequacy. In addition, we provide some evidence that change in capital is positively related to the change in risk for highly capitalized Islamic banks.
International Journal of Economics and Financial Issues
Asian Economic and Financial Review
This research investigates the financial performance of the Islamic banking sectors in Tunisia fr... more This research investigates the financial performance of the Islamic banking sectors in Tunisia from year 2010-2014. The Islamic banking in Tunisia is new as compared to the conventional banking. The literature review shows that no such analysis has been dedicated to Islamic banking in Tunisia before this study. Therefore, to give a clear picture of Islamic banks to the stakeholders, the financial position of the two Islamic banks in Tunisia has been analyzed. The Performance estimates of individual banks in profitability, liquidity, risk and solvency are evaluated using the most significant financial ratios analysis. The study assesses also the overall stability of each bank. The descriptive statistical measurements (mean, standard deviation and coefficient of variation) were used to classify the performance, measuring the dispersion and the variability of these ratios. The results indicated that both banks are holding a robust financial performance position in banking industry during the period studied. Whereas al Baraka bank has slightly better levels of profitability and risk management as compared to Zitouna bank. Overall, two Islamic banks are financially stable, however al Baraka bank is in a greatest position than the Zitouna bank in terms of stability. Contribution/ Originality: This study is one of the few studies which have analyzed the performance of Islamic banking industry in Tunisia. Also it contributes in the existing literature by employing the parametric approach to evaluate banking performance. The finding of this study will attract the attention of Islamic financial practitioners, policy makers and academicians.
Revue Libanaise de Gestion et d'Économie, 2011
ABSTRACT The investment is a need for the perennially and the prosperity of the companies. The be... more ABSTRACT The investment is a need for the perennially and the prosperity of the companies. The behavior of investment of the companies was the object of a large number of theoretical and empirical work. The goal is to identify the determinants of the investment of the companies. The objective of our study is double; on the one hand to give an outline on the determinants of the investment within the framework of the perfect market of capital and in the presence of financial constraints due to asymmetries of information and on the other hand to test, in the context of the Tunisian companies, the importance of the financial constraints in the explanation of the behavior of investment. For this purpose we carried out an empirical analysis on a sample of 17 companies belonging to the various sectors of the Tunisian economy lasting the period going from 2000 to 2007 and this by using the methodology of the data of panel. The empirical tests show that the Tunisian companies (smallest and those with which the banks do not have close relationships) know an environment with strong asymmetry of information between lenders and borrowers; they are also forced in their accesses to the external debt because of the celling of debt.
La Revue Gestion et Organisation, 2011
Growth and Emerging Prospects of International Islamic Banking
Investors from North Africa are interested in financial products with ethical focus and specific ... more Investors from North Africa are interested in financial products with ethical focus and specific risk profile and are in accordance with their religious convictions. This chapter reviews the status of Islamic banking (IB) in North Africa in which the governments have started introducing fundamental legal and regulatory frameworks to promote the development of Islamic finance. The study also discusses the prospect of Islamic banking in these jurisdictions. To fulfill the objectives of the proposed study, a qualitative research was performed. The empirical approach of this study analyzed the financial position of different banks in North African countries. Overall, Islamic finance can be an ideal opportunity for financing infrastructure and development projects in North Africa.