Microeconomic factors affecting mudharabah deposits at Islamic banks in Malaysia / Muhammad Najib Hassan

This study attempts to determine the factors affecting determinants of Islamic savings in Islamic banking. The objective of this research is to examine the Islamic saving determinants in Malaysia and the factors affecting saving in the Islamic banks in Malaysia. The hypothesis that were applied in t...

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Main Author:	Hassan, Muhammad Najib
Format:	Thesis
Language:	English
Published:	2021
Subjects:	Macroeconomics Interest rates
Online Access:	https://ir.uitm.edu.my/id/eprint/106366/1/106366.pdf
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id	my-uitm-ir.106366
record_format	uketd_dc
spelling	my-uitm-ir.1063662024-12-15T02:43:29Z Microeconomic factors affecting mudharabah deposits at Islamic banks in Malaysia / Muhammad Najib Hassan 2021-07 Hassan, Muhammad Najib Macroeconomics Interest rates Finance, Islamic This study attempts to determine the factors affecting determinants of Islamic savings in Islamic banking. The objective of this research is to examine the Islamic saving determinants in Malaysia and the factors affecting saving in the Islamic banks in Malaysia. The hypothesis that were applied in this research are if people prefer to making saving in Islamic banking, what are the determinants of saving and do the variables give impact on the savings rate. Next, the variables that were used in this research are Mudharabah deposits/savings for dependent variables, meanwhile the independent variables are money supply, base lending rate, conventional deposit rate, consumer price index and industrial production index growth. The findings underline the significant role of the independent variables in deciding the amount of deposits in Islamic banks. In fact higher Islamic deposits are associated substantially with higher return rates and lower interest rates. In addition, the study shows that there is a displacement of commercial risk between Islamic and conventional banks, so that the depositors of Islamic banks move their funds to conventional banks when the rate of return offered by Islamic banks is considerably lower than their counterparty's interest rate. The results of this analysis have significant consequences for the activities of risk assessment at Islamic banks in Malaysia. 2021-07 Thesis https://ir.uitm.edu.my/id/eprint/106366/ https://ir.uitm.edu.my/id/eprint/106366/1/106366.pdf text en public degree Universiti Teknologi MARA, Johor Faculty of Business and Management Md Isa, Mohamad Azwan
institution	Universiti Teknologi MARA
collection	UiTM Institutional Repository
language	English
advisor	Md Isa, Mohamad Azwan
topic	Macroeconomics Interest rates Macroeconomics
spellingShingle	Macroeconomics Interest rates Macroeconomics Hassan, Muhammad Najib Microeconomic factors affecting mudharabah deposits at Islamic banks in Malaysia / Muhammad Najib Hassan
description	This study attempts to determine the factors affecting determinants of Islamic savings in Islamic banking. The objective of this research is to examine the Islamic saving determinants in Malaysia and the factors affecting saving in the Islamic banks in Malaysia. The hypothesis that were applied in this research are if people prefer to making saving in Islamic banking, what are the determinants of saving and do the variables give impact on the savings rate. Next, the variables that were used in this research are Mudharabah deposits/savings for dependent variables, meanwhile the independent variables are money supply, base lending rate, conventional deposit rate, consumer price index and industrial production index growth. The findings underline the significant role of the independent variables in deciding the amount of deposits in Islamic banks. In fact higher Islamic deposits are associated substantially with higher return rates and lower interest rates. In addition, the study shows that there is a displacement of commercial risk between Islamic and conventional banks, so that the depositors of Islamic banks move their funds to conventional banks when the rate of return offered by Islamic banks is considerably lower than their counterparty's interest rate. The results of this analysis have significant consequences for the activities of risk assessment at Islamic banks in Malaysia.
format	Thesis
qualification_level	Bachelor degree
author	Hassan, Muhammad Najib
author_facet	Hassan, Muhammad Najib
author_sort	Hassan, Muhammad Najib
title	Microeconomic factors affecting mudharabah deposits at Islamic banks in Malaysia / Muhammad Najib Hassan
title_short	Microeconomic factors affecting mudharabah deposits at Islamic banks in Malaysia / Muhammad Najib Hassan
title_full	Microeconomic factors affecting mudharabah deposits at Islamic banks in Malaysia / Muhammad Najib Hassan
title_fullStr	Microeconomic factors affecting mudharabah deposits at Islamic banks in Malaysia / Muhammad Najib Hassan
title_full_unstemmed	Microeconomic factors affecting mudharabah deposits at Islamic banks in Malaysia / Muhammad Najib Hassan
title_sort	microeconomic factors affecting mudharabah deposits at islamic banks in malaysia / muhammad najib hassan
granting_institution	Universiti Teknologi MARA, Johor
granting_department	Faculty of Business and Management
publishDate	2021
url	https://ir.uitm.edu.my/id/eprint/106366/1/106366.pdf
_version_	1818588179236651008

Microeconomic factors affecting mudharabah deposits at Islamic banks in Malaysia / Muhammad Najib Hassan

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