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Between Interest Banks and Non-Interest Banks

بين المصارف الربوية و المصارف اللاربوية

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 Publication date 2010
and research's language is العربية
 Created by Shamra Editor




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The research tackles the study of the concept of each of Interest Banks including commercial banks and other banks whose most works focus upon interest "Usury" such as industrial, agricultural and real estate banks the dealing with which has resulted in local and international financial crisis conditions, as well as the Non-Interest banks which refuse dealing in usury and encourage the share in money investment and human effort by all means.

References used
PRISSERT P., 1995- Analyse et dynamique du marche' des capitaux, p.u.f. Paris, 450
JACOUND G.G., 1994- Monnaie dans l'economie Nathan, paris...65
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The interest issue was for long time ago and still one of the critical issues debated among economists through it monetary policy tools can be implemented in order to reach the economic goals set by the economic policy of any country, With the appear ance of the banks, which have been considered as the backbone of the economy and the basic cell of the national economy growth and its engine as they keep, move, develop, and facilitate the exchange of money the interest rate has become as a nervous system for commercial banks because of its significant impact on the revenues and expenses of these banks through the interest rates debtors and creditors imposed on their activities,Therefore, the main aim of this research is to study the impact of the net interest margin on the profitability of commercial bank by conducting an empirical study in The Bank of Syria and Overseas (BSO), the commercial bank has been chosen because the interests debtors and creditors constitute the largest proportion of revenues and expenses of commercial banks by displaying the size of revenues and expenses of the bank and their vulnerability to interest rates imposed by the central bank this study found that the profitability of commercial banks consists mainly of the net interest margin which reflects the difference between the creditor interests levied for the facilities granted and the debtors interests paid on deposits.
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.
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 theoreti cal 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.
Customer Retention Management (CRM) provides a strong competitive advantage for the organization to stay in the market. It helps management to track customer interactions with the organization and allows employees access to all customer,s previous information; CRM gains its importance by creating a strategic vision to achieve the organization's goals of maintaining customers and reaching loyalty through integration with marketing policies and product development To increase the sales of the organization and to make offers that attract the target customer and interact with him in a way that ensures its preservation. The aim of the study is to define the reality of the application of CRM during the crisis period )8402-8400( in the Syrian private banks in Lattakia, and study the dimensions of customer relationship management in these banks, and then study the impact of these dimensions on the performance indicators that were measured through indicators of profitability, customer complaints, strong relationships with customers, customer satisfaction and loyalty. In order to achieve this, two main hypotheses were formulated. The researcher used the questionnaire technique to collect the data analyzed using statistical tests, the most important of which were the one-sample t. test, and the Pearson Correlation test. The researcher has reached several results, the most important of which is: a good evaluation of the availability of CRM dimensions in the studied banks, and there is a positive relationship between these dimensions and performance.
This research aims to recognize the reality of the application of internal marketing policies in the Syrian banking through a comparative study between public and private banks in the extent of the application of these policies (the culture of serv ice, internships, Publishing of marketing information), the study included three public banks (Commercial Bank of Syria, real Estate Bank of Syria, the agricultural Bank), three private banks (international Bank for trade and finance, Arab Bank, Bank Audi), and to achieve the study objectives were to build a questionnaire, applied to a sample of employees and customers at the six banks, and the search is over to the following conclusions Private banks tend to apply the internal marketing policies are larger and clearer than the public banks, There is a difference in the application of the service culture variable depending on the type of bank (in-particular), There is no difference in the application of in-house training variable depending on the type of bank (in-particular), There is a difference in the application deployment marketing information variable depending on the type of bank (inparticular) and The private banks internal marketing policies applied better than public banks.
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