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Register a new userThe effect of Liquidity on Islamic Banks Profitability (Empirical Study on Syrian Islamic Banks)
أثر السيولة في ربحية المصارف الإسلامية (دراسة تطبيقية على المصارف الإسلامية السورية)
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ميمون العبيد( باحث )
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يهدف هذا البحث إلى توضيح مفهومي السيولة و الربحية لدى المصارف الإسلامية، وكيفية تأثير السيولة في قدرة هذه المصارف على تحقيق الأرباح. و لذلك قام الباحث، بعد عرض الإطار النظري للدراسة، بدراسة حالة المصارف الإسلامية العاملة في سورية ( بنك البركة-سورية، بنك الشام، بنك سورية الدولي الإسلامي)، و اجراء الاختبارات الإحصائية المناسبة، لبيان فيما إذا كان هناك علاقة بين سيولة هذه المصارف و ربحيتها ( مقاسة بالعائد على الأصول ROA ), و ذلك بالاعتماد على البيانات المالية المنشورة لهذه المصارف، و باستخدام البرنامج الإحصائي SPSS. و قد تم التوصل إلى عدد من النتائج، أهمها: عدم وجود علاقة ذات دلالة معنوية بين سيولة المصارف الإسلامية العاملة في سورية و ربحيتها، على الرغم من ارتفاع نسب السيولة لديها عموماً، و انخفاض معدل العائد على الأصول.
This study aims to clarify the concept of profitability and liquidity at the Islamic Banks, and discuss how the liquidity affects the Islamic banks profitability. In order to achieve these objectives, the researcher, after presenting the theoretical framework for the study, conducts a case study of the Islamic banks working in Syria (Albaraka- Syria Bank, Cham Bank, Syria International Islamic Bank), and conducts an appropriate statistical test to show the relationship between the liquidity and profitability (measured by ROA) of those Islamic banks. The researcher depends on the financial statements in the reports published by Islamic banks, using the statistical program SPSS 18 to get the results of this test. This study concluded that: there is no a significant relationship between Islamic banks liquidity and profitability, although they have high liquidity ratios, and low return on assets in general.
References used
عثمان، عمر، 2009 ، إدارة الموجودات و المطلوبات لدى المصارف التقليدية و المصارف الإسلامية- دراسة تحليلية تطبيقية مقارنة، رسالة دكتوراه، برنامج التعاون العلمي بين جامعة دمشق و الأكاديمية العربية للعلوم المالية و المصرفية، سورية.
الدهراوي، كمال الدين، 2011 ، مدخل معاصر في تحليل القوائم المالية، المكتب الجامعي الحديث، الإسكندرية، مصر، ص 260.
دويك، عبد القادر، 2010 ، إدارة السيولة في المصارف الإسلامية، ورقة عمل مقدمة إلى المؤتمر الخامس للمصارف و المؤسسات المالية الإسلامية، المنعقد تحت شعار - "نجاح الصيرفة الإسلامية في ظل الأزمة المالية العالمية، دمشق، سورية، 15 - 2010/3/16 ص 7-8
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This research aims to study the problem of liquidity excess، so it considers from the important problem that is facing the Islamic banks especially in this obstacles:
1- Modernity time of Islamic banks.
2- littleness of financial tools that used to
manage the liquidity in Islamic banks.
3- Nonexistence Law are fitting with targets and field of activity of Islamic banks.
And It is done that through knowing the liquidity in these banks and the tools used to manage the liquidity، inside to the best Islamic financial tools that Islamic banks are able to use in manage the liquidity.
Liquidity is considered to be one of the most important subject in the banking sector
because it’s the key to maintain a secure financial position and it’s the main mean to gain
the customer and depositor trust, and meet any obligation that might c
ome up.
In this paper we study effect of the liquidity and risk on the Syrian private bank’s
profitability and the nature of this effect, to achieve this object we choose ten financial
ratios for a sample of ten commercial banks between 2008 – 2014. The data have been
basically collected from the financial statements of the studied banks. To analyze the
research data we use one of the Panel Data Models which is the Fixed Effects Model. The
data have been analyzed by using EViews 7.
We conclude that the liquidity ratio have a significant negative effect on the bank’s
profitability. liquidity risk have a significant positive effect on the profitability ratio .
The research aims to analyse the key issue relating to the management of credit risk in Islamic Banks through the analysis of risk management in the Islamic Bank, the types and formats of Islamic finance risks, the methods used to address those risks
and challenges faced by Islamic banks.
The problem with the research terms seems that credit activity is one of the most single important key functions offered by the banks, one of the activities profitable and most dangerous, where credit risk arises as a result of the inability of the debtors to meet their obligations in the dates of maturity, and the consequent loss incurred by the bank, and therefore. It is based on the premise of basic research related to the analysis of credit risk management in Islamic banks, to maintain low levels of credit risk.
The study concludes that the risk of Islamic modes of financing in the forefront of the risks faced by Islamic banks, so that the activation of the role of risk management in Islamic banks to enable them to understand and identify, measure and address the various risks, and minimize possible.
This survey has aimed at knowledge how the effect of inflation
average is on the volume of the Islamic deposit banks. This survey has
been made on a group of Islamic banks in Syria during the period from
2006 to 2014. The descriptive analytical me
thod has been followed in
this survey, and analyzing data by using the program Statistical
Package for the Social Sciences spss. And this survey has concluded
that there is a positive relation between inflation average and the
volume of deposits, in addition the increase of deposit volumes in
Islamic banks during the survey period except for the year 2011 which
saw a decrease in the deposits average, and also an increase in inflation
average in general until the year2011. However, the increases have
become sudden and so big.
This research aims to know the adequacy of liquidity risks issued by the Central Bank of Syria, which it uses in its supervision of banks operating in Syria and their contribution to the administrative decision-making process.
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