Online Journal from Kulliyyah of Muamalat & Management Sciences (UniSHAMS) http://unisep.lib.unishams.edu.my/xmlui/handle/123456789/11851 2026-04-21T09:31:48Z 2026-04-21T09:31:48Z Idris Mukhtar Nur Ainna Ramli Azrul Azlan Iskandar Mirza http://unisep.lib.unishams.edu.my/xmlui/handle/123456789/11898 2020-02-10T14:16:07Z 2018-12-01T00:00:00Z

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.

2018-12-01T00:00:00Z Mohamed Mohamed Tolba Said Krishnan Umachandran, Dr. http://unisep.lib.unishams.edu.my/xmlui/handle/123456789/11895 2020-02-10T14:17:52Z 2018-12-01T00:00:00Z

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

2018-12-01T00:00:00Z