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Inflation average and its effect on the volume of deposits in Islamic banks

معدل التضخم و أثره على حجم الودائع في المصارف الإسلامية

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 Publication date 2017
and research's language is العربية
 Created by Shamra Editor




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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 method 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.


Artificial intelligence review:
Research summary
تتناول هذه الدراسة تأثير معدل التضخم على حجم الودائع في المصارف الإسلامية في سوريا خلال الفترة من 2007 إلى 2014. اعتمدت الدراسة على المنهج الوصفي التحليلي واستخدمت برنامج SPSS لتحليل البيانات. خلصت الدراسة إلى وجود علاقة إيجابية بين معدل التضخم وحجم الودائع، حيث زادت الودائع في المصارف الإسلامية خلال فترة الدراسة باستثناء عام 2011 الذي شهد انخفاضًا في نسبة الودائع وارتفاعًا في معدلات التضخم. تم تحليل البيانات المالية للمصارف الإسلامية الثلاثة (بنك البركة الإسلامي، بنك الشام الإسلامي، وبنك سوريا الدولي الإسلامي) وأظهرت النتائج أن بنك البركة الإسلامي كان الأكثر استقرارًا في حجم الودائع. أوصت الدراسة بضرورة متابعة معدلات التضخم بشكل مستمر من قبل المصارف الإسلامية والعمل على الموازنة بين السيولة والاستثمارات.
Critical review
دراسة نقدية: على الرغم من أن الدراسة قدمت تحليلًا شاملاً للعلاقة بين التضخم وحجم الودائع في المصارف الإسلامية، إلا أنها لم تتناول بشكل كافٍ تأثير العوامل الأخرى التي قد تؤثر على حجم الودائع مثل السياسات الحكومية والتغيرات الاقتصادية العالمية. كما أن الدراسة اعتمدت على بيانات من فترة زمنية محدودة (2007-2014)، مما قد يؤثر على تعميم النتائج على فترات زمنية أخرى. كان من الأفضل أيضًا تضمين مقارنة بين المصارف الإسلامية والمصارف التقليدية لفهم الفروقات بشكل أفضل.
Questions related to the research
  1. ما هي العلاقة بين معدل التضخم وحجم الودائع في المصارف الإسلامية وفقًا للدراسة؟

    وجدت الدراسة أن هناك علاقة إيجابية بين معدل التضخم وحجم الودائع في المصارف الإسلامية، حيث زادت الودائع مع ارتفاع معدلات التضخم.

  2. ما هي الفترة الزمنية التي غطتها الدراسة؟

    غطت الدراسة الفترة من عام 2007 إلى عام 2014.

  3. ما هي المنهجية التي استخدمتها الدراسة لتحليل البيانات؟

    استخدمت الدراسة المنهج الوصفي التحليلي واعتمدت على برنامج SPSS لتحليل البيانات.

  4. ما هي التوصيات التي قدمتها الدراسة للمصارف الإسلامية؟

    أوصت الدراسة بضرورة متابعة معدلات التضخم بشكل مستمر والعمل على الموازنة بين السيولة والاستثمارات.


References used
MISHKIN , Frederic S, The economics of money, banking, and financial markets , Columbia University, 2004
DEVINAGA , Rasiah, Theoretical Framework of Profitability as Applied to Commercial Bank in Malaysia, European Journal of Economics Finance and Administrative Sciences , 2010
IMAM,Patrick , KPODAR,Kangni, Is Islamic Banking Good for Growth?,Imf working paper , 2015
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