Journal

The Effect of Bank-Specific Variables on NSFR of Malaysian Banks

2020-02-10T14:16:07Z

The Effect of Bank-Specific Variables on NSFR of Malaysian Banks Idris Mukhtar; Nur Ainna Ramli; Azrul Azlan Iskandar Mirza The recent 2008 world financial crisis show how the liquidity problem in a particular region can easily affects the whole world. Following the crisis, both supervisory and regulatory bodies recommended various measures that will makes the bank’s liquidity more vibrant. Liquidity crisis in a bank will undermines the performance, while non-performance of a bank will lead to failure. Studies were conducted on the factors affecting the liquidity risk in banks previously. The factors examine includes internal, external and ownerships; some studies indicated that before the 2008 crisis, liquidity risks in banks was not taken as one of the major priority by banks. At the outbreak of the crisis it was realized that liquidity is one of the major cause.; Thus, Basel committee on banking supervision (BCBS) come up with suggestions and structures that will makes the banks liquidity more powerful among which NSFR is included. it is noticed that, after the crisis, banks performance was improved, although some studies indicated that still the performance of some banks failed due to the lack of strong liquidity. This study uses secondary data from Fitch connect databases to evaluate the internal variables and ownership factors that determines the bank’s Liquidity risk. The new liquidity rule (NSFR) act as dependent variable. The findings of the study through Panel corrected standard error (PCSE) model indicated that, all the banks in Malaysia over complied with newly introduced NSFR, the study further finds that, only capital and non-interest income are contributing factor to this over compliance. The implications of this is that maintaining an excessive liquid asset tend to lower the bank’s profitability, thus it is recommended that the Banks need to find other ways to invest their excess liquid assets in order to be more profitable.

Evolving a Model in Islamic Economy : Industrial Development

2020-02-10T14:17:52Z

Evolving a Model in Islamic Economy : Industrial Development Mohamed Mohamed Tolba Said; Krishnan Umachandran, Dr. Economic growth in the Islamic economy depends on the demand and manufacturers competitive capability to compete. The factors such as vicissitude of changes in production volumes, labor productivity, employment, export and import volumes affect the competitiveness of the organization’s position in the Islamic economy. Capital and technological reserves are obligatory to balance the enormous productivity fissure between developing and developed countries symbolizing the world economy. Need to exports is required as a nourishment to fill the productivity gap. The structure of economic openness depends on the level of free-trade, therefore advancement should entail an identical momentum of long-term investment to the absorption of substantial segments of all business activities. Hence this paper drives a weave to connect various aspects of management resources. The enlargement of international commerce requires a critical flexibility in the setting of tariff rates by developing countries and a steady rise in the sum of customers that can participate in business with decreasing debt-line. To a developing country, the benefits when it opens its borders to foreign capital, improves FDIs and leads in generation of positiveemployment impacting both job creation for suppliers, retailers and tertiary employment effecting additional generation ofincomes aggregating on the demand. Islamic economization aidseconomic growth and therefore poverty reduction, hence the ecosystem should encompass complementary economic factors and policies

The Use of Multifocal Electroretinogram to Predict Progression of Diabetic Retinopathy

2020-02-10T14:19:59Z

The Use of Multifocal Electroretinogram to Predict Progression of Diabetic Retinopathy Haizul Ikhwan M., Dr.; Faridah Hanum A., Dr.; Norshamsiah MD., Dr.; Ropilah binti Abdul Rahman, Assoc. Prof. Dr.; Sabrizan O., Dr.; Hazlita I., Dr. The primary cause of visual loss in diabetic retinopathy (DR) is macular edema. Predicting the occurrence of diabetic macular edema may allow institution of early treatment in diabetic patients. A prospective observational study was conducted to determine whether abnormal implicit time in multifocal ERG or mfERG (mfERG IT) within the macular region can predict progression of DR after oneyear. A total of fifty patients with type 2 diabetes and mild to moderate non-proliferative diabetic retinopathy (NPDR) was utilized. At baseline, patients’ mfERG from 61 retinal points within 35 degrees from the center of fovea were recorded and fundus photographs were taken at baseline and 12 month. mfERG IT at baseline were measured and fundus photograph were used to monitor progression of DR within 1-year. The result revealed that 1552 retinal points with abnormal mfERG IT showed DR progression after 1 year. Relative risk of DR progression among retinal points with abnormal mfERG IT at baseline were 6 times greater than retinal points with normal mfERG IT (RR 6.21; p < 0.001). mfERG IT at baseline has 89.9% sensitivity and 81.7% specificity to predict progression of DR. In conclusion, abnormal mfERG IT provides an objective assessment of local retinal health in diabetes and may be useful to predict DR progression.

Comparison of Central Corneal Thickness Between Diabetic and Non-Diabetic Population

2020-02-10T14:20:25Z

Comparison of Central Corneal Thickness Between Diabetic and Non-Diabetic Population KS Wan, Dr.; HF Oh, Dr.; NA Abdul Latiff, Dr.; A Farrah Qistina, Dr.; SL Chieng, Dr.; R Mohd Akmal, Dr.; Aida Zairani MZ, Dr.; Then KY, Dr. A case control study was conducted to compare the central corneal thickness between diabetic and non-diabetic population. The subjects were 185 Malaysian adults who came to the Universiti Kebangsaan Malaysia Medical Centre (UKMMC) Eye Clinic. The sample was divided into two groups in which there were 90 diabetic and 95 non-diabetic participants. All subjects who fulfilled the inclusion and exclusion criteria were recruited after obtaining informed consents. Central cornea thickness (CCT) measurement was carried out on right eye with a Topcon SP-2000P non-contact specular microscope. Readings would only be taken from the left eye if the right eye did not meet the inclusion criteria. Three measurements were taken and the mean was used as the final result. Over half were Malays (n=103, 55.7%) followed by Chinese (n=69, 37.3%) and Indians (n=13, 7.0%). The mean age for diabetic participants was 59.23±10.02 years, ranging from 38-74 years. Among the non-diabetic participants, the mean age was 57.07±13.68 years, ranging from 23-78 years. The difference between age of diabetics and nondiabetics was not statistically significant (p=0.22). CCT of all participants was normally distributed, with the mean of 526.55± 31.82 μm. The mean CCT in diabetic participants was 531.48± 32.88 μm whereas it was 521.88± 30.22 μm in non-diabetic participants. The increase in CCT found in diabetic participants was statistically significant (p=0.04). This study showed that diabetes is associated with thicker CCT which might contribute to overestimation of intraocular pressure in the management of suspected glaucoma patients.