Mustafa Adam | Komar University of Science and Technology (original) (raw)
Papers by Mustafa Adam
International journal of business and social research, 2013
Stability of the banking system is underpinned through an effective bank monitoring mechanism sin... more Stability of the banking system is underpinned through an effective bank monitoring mechanism since the sector is resilient to a range of single and combined shocks. Banks financial stability in the Gulf Cooperation Council (GCC) countries was empirically assessed by using z-score as a dependent variable. A group of macro and microeconomic independent variables were selected to measure their effects on banks stability. All banks in this region that are considered Conventional or Islamic banks were selected. The targeted period was 2003-2010 to cover pre- and post- financial crisis. It was found that there is no evidence that there is a significant difference between the financial stability of Conventional and Islamic banks for the periods 2003-2010, 2003-2007, and 2008-2010. However, Conventional banks tend to be financially stronger than Islamic banks for the pre- financial crisis.
Journal of economics and sustainable development, Dec 31, 2013
This study aims to explore the nexus between electricity consumption and economic growth in Bahra... more This study aims to explore the nexus between electricity consumption and economic growth in Bahrain over the period 1975-2010. This study uses two different test methods to test for causality, namely, the error correction model and Toda-Yamamoto (1995) procedure. The results based on both approaches consistently show a unidirectional long-run causality from economic growth to electricity consumption. Thus, the results support the neutrality hypothesis of electricity consumption with respect to economic growth. The findings have practical policy implications for decision makers in the area of macroeconomic planning; the absent of causality running from electricity consumption to economic growth implies that electricity demand side management measures can be adopted to reduce the wastage of electricity which would not affect future economic growth in Bahrain.
The financial sector plays a crucial role in economic growth; it allows an efficient transfer of ... more The financial sector plays a crucial role in economic growth; it allows an efficient transfer of resources from those who save to those who invest. This sector comprises financial institutions, markets and instruments. This study highlights the fact that change has always been the hallmark of financial markets and the regulatory board of the Sudanese financial market. The Sudanese capital market, although an infant, could follow the route of other well-established capital markets of developing countries, keeping in view the so called globalisation, privatisation and liberalisation phenomena of the Sudanese corporate sector and securities market. There is a need for a more responsive and effective regulator to guide primary as well as secondary securities markets. This paper seeks to extend the literature by exploring the issue related to a small emerging capital market; the paper examines the current practices of Khartoum Stock Exchange (KSE) in trading of shares and evaluates the e...
Abstract:This paper investigates the effect of bank-specific, government, and macroeconomic indic... more Abstract:This paper investigates the effect of bank-specific, government, and macroeconomic indicators on bank profitability in the Kingdom of Saudi Arabia (KSA) over the period from 2009 to 2018.Two-panel data estimators have been utilized:Prais-Winsten and Driscoll-Kraay standard models. The empirical analysis reveals that bank-specific determinants were the key factors in explaining profitability in comparison to government and macroeconomic variables.The assets utilization ratio, credit risk ratio, bank liquidity risk ratio, and investment deposit ratio were found positively and significantly related to the bank's profitability. In contrast, the bank size variable, and the earning assets ratio were found to have a negative impact on the profitability of bank-specific drivers. Similarly, inflation and the growth of gross domestic product were found in both models to have a negative and significant effect on profitability. On the other hand, government effectiveness was found ...
European Journal of Business and Management, 2013
The term electronic banking means an electronic handling of all types of banking business, primar... more The term electronic banking means an electronic handling of all types of banking business, primarily over the internet. E-Banking is one of the most successful on-line businesses, which save the individuals and companies time and money. This paper investigates the problems and opportunities of the electronic banking in Sudan, whereas, the provision and use of financial services and products that conform to interest-free banking principles which pose many challenges. Banking sector plays a crucial role in economic growth, it allows an efficient transfer of resources from those who save to those who invest under certain rules and regulations, and this study highlights the fact that changes have always been the hallmark of this sector. Here, this study replicates, extends and adds a longitudinal dimension to a recently introduced information technology in banking and financial institutions. The study reviews the experience of the Sudan as a developing country, and it concludes that regardless of the progresses achieved in recent years namely, enacting of electronic transactions Act 2007, the study finds out many deficiencies, poor infrastructure, and lack of skilled and well-trained human resource force in banking sector and security, which remain the key factors that constrain the applicability of e-banking.
International Journal of Business and Social Research, 2013
Stability of the banking system is underpinned through an effective bank monitoring mechanism sin... more Stability of the banking system is underpinned through an effective bank monitoring mechanism since the sector is resilient to a range of single and combined shocks. Banks financial stability in the Gulf Cooperation Council (GCC) countries was empirically assessed by using z-score as a dependent variable. A group of macro and microeconomic independent variables were selected to measure their effects on banks stability.
93 | P a g e Testing the Financial Stability of Banks in GCC Countries: Pre and Post Financial Cr... more 93 | P a g e
Testing the Financial Stability of Banks in GCC Countries: Pre and Post Financial Crisis Prof. Dr. Hatem Hatef Abdulkadhim Altaee Cihan University – Sulaimaniya Kurdistan Region – Iraq E-mail: drhatemaltaee@gmail.com Ibaa M. Anis Talo M.Sc. Financial Management M.Sc. Islamic Banking United Nations, Damascus – Syria E-mail: ibaatalo79@gmail.com Mustafa Hassan Mohammad Adam, Ph.D Cihan University – Sulaimaniya Kurdistan Region – Iraq E-mail: koosaye@yahoo.com ABSTRACT Stability of the banking system is underpinned through an effective bank monitoring mechanism since the sector is resilient to a range of single and combined shocks. Banks financial stability in the Gulf Cooperation Council (GCC) countries was empirically assessed by using z-score as a dependent variable. A group of macro and microeconomic independent variables were selected to measure their effects on banks stability. All banks in this region that are considered Conventional or Islamic banks were selected. The targeted period was 2003-2010 to cover pre- and post- financial crisis. It was found that there is no evidence that there is a significant difference between the financial stability of Conventional and Islamic banks for the periods 2003-2010, 2003-2007, and 2008-2010. However, Conventional banks tend to be financially stronger than Islamic banks for the pre- financial crisis.
International journal of business and social research, 2013
Stability of the banking system is underpinned through an effective bank monitoring mechanism sin... more Stability of the banking system is underpinned through an effective bank monitoring mechanism since the sector is resilient to a range of single and combined shocks. Banks financial stability in the Gulf Cooperation Council (GCC) countries was empirically assessed by using z-score as a dependent variable. A group of macro and microeconomic independent variables were selected to measure their effects on banks stability. All banks in this region that are considered Conventional or Islamic banks were selected. The targeted period was 2003-2010 to cover pre- and post- financial crisis. It was found that there is no evidence that there is a significant difference between the financial stability of Conventional and Islamic banks for the periods 2003-2010, 2003-2007, and 2008-2010. However, Conventional banks tend to be financially stronger than Islamic banks for the pre- financial crisis.
Journal of economics and sustainable development, Dec 31, 2013
This study aims to explore the nexus between electricity consumption and economic growth in Bahra... more This study aims to explore the nexus between electricity consumption and economic growth in Bahrain over the period 1975-2010. This study uses two different test methods to test for causality, namely, the error correction model and Toda-Yamamoto (1995) procedure. The results based on both approaches consistently show a unidirectional long-run causality from economic growth to electricity consumption. Thus, the results support the neutrality hypothesis of electricity consumption with respect to economic growth. The findings have practical policy implications for decision makers in the area of macroeconomic planning; the absent of causality running from electricity consumption to economic growth implies that electricity demand side management measures can be adopted to reduce the wastage of electricity which would not affect future economic growth in Bahrain.
The financial sector plays a crucial role in economic growth; it allows an efficient transfer of ... more The financial sector plays a crucial role in economic growth; it allows an efficient transfer of resources from those who save to those who invest. This sector comprises financial institutions, markets and instruments. This study highlights the fact that change has always been the hallmark of financial markets and the regulatory board of the Sudanese financial market. The Sudanese capital market, although an infant, could follow the route of other well-established capital markets of developing countries, keeping in view the so called globalisation, privatisation and liberalisation phenomena of the Sudanese corporate sector and securities market. There is a need for a more responsive and effective regulator to guide primary as well as secondary securities markets. This paper seeks to extend the literature by exploring the issue related to a small emerging capital market; the paper examines the current practices of Khartoum Stock Exchange (KSE) in trading of shares and evaluates the e...
Abstract:This paper investigates the effect of bank-specific, government, and macroeconomic indic... more Abstract:This paper investigates the effect of bank-specific, government, and macroeconomic indicators on bank profitability in the Kingdom of Saudi Arabia (KSA) over the period from 2009 to 2018.Two-panel data estimators have been utilized:Prais-Winsten and Driscoll-Kraay standard models. The empirical analysis reveals that bank-specific determinants were the key factors in explaining profitability in comparison to government and macroeconomic variables.The assets utilization ratio, credit risk ratio, bank liquidity risk ratio, and investment deposit ratio were found positively and significantly related to the bank's profitability. In contrast, the bank size variable, and the earning assets ratio were found to have a negative impact on the profitability of bank-specific drivers. Similarly, inflation and the growth of gross domestic product were found in both models to have a negative and significant effect on profitability. On the other hand, government effectiveness was found ...
European Journal of Business and Management, 2013
The term electronic banking means an electronic handling of all types of banking business, primar... more The term electronic banking means an electronic handling of all types of banking business, primarily over the internet. E-Banking is one of the most successful on-line businesses, which save the individuals and companies time and money. This paper investigates the problems and opportunities of the electronic banking in Sudan, whereas, the provision and use of financial services and products that conform to interest-free banking principles which pose many challenges. Banking sector plays a crucial role in economic growth, it allows an efficient transfer of resources from those who save to those who invest under certain rules and regulations, and this study highlights the fact that changes have always been the hallmark of this sector. Here, this study replicates, extends and adds a longitudinal dimension to a recently introduced information technology in banking and financial institutions. The study reviews the experience of the Sudan as a developing country, and it concludes that regardless of the progresses achieved in recent years namely, enacting of electronic transactions Act 2007, the study finds out many deficiencies, poor infrastructure, and lack of skilled and well-trained human resource force in banking sector and security, which remain the key factors that constrain the applicability of e-banking.
International Journal of Business and Social Research, 2013
Stability of the banking system is underpinned through an effective bank monitoring mechanism sin... more Stability of the banking system is underpinned through an effective bank monitoring mechanism since the sector is resilient to a range of single and combined shocks. Banks financial stability in the Gulf Cooperation Council (GCC) countries was empirically assessed by using z-score as a dependent variable. A group of macro and microeconomic independent variables were selected to measure their effects on banks stability.
93 | P a g e Testing the Financial Stability of Banks in GCC Countries: Pre and Post Financial Cr... more 93 | P a g e
Testing the Financial Stability of Banks in GCC Countries: Pre and Post Financial Crisis Prof. Dr. Hatem Hatef Abdulkadhim Altaee Cihan University – Sulaimaniya Kurdistan Region – Iraq E-mail: drhatemaltaee@gmail.com Ibaa M. Anis Talo M.Sc. Financial Management M.Sc. Islamic Banking United Nations, Damascus – Syria E-mail: ibaatalo79@gmail.com Mustafa Hassan Mohammad Adam, Ph.D Cihan University – Sulaimaniya Kurdistan Region – Iraq E-mail: koosaye@yahoo.com ABSTRACT Stability of the banking system is underpinned through an effective bank monitoring mechanism since the sector is resilient to a range of single and combined shocks. Banks financial stability in the Gulf Cooperation Council (GCC) countries was empirically assessed by using z-score as a dependent variable. A group of macro and microeconomic independent variables were selected to measure their effects on banks stability. All banks in this region that are considered Conventional or Islamic banks were selected. The targeted period was 2003-2010 to cover pre- and post- financial crisis. It was found that there is no evidence that there is a significant difference between the financial stability of Conventional and Islamic banks for the periods 2003-2010, 2003-2007, and 2008-2010. However, Conventional banks tend to be financially stronger than Islamic banks for the pre- financial crisis.