مقارنة الأداء المالي للبنوك التقليدية والإسلامية في المملكة العربية السعودية
The 2009-2018 period witnessed many political and economic changes in the world and the Arab Gulf in general, and in the Kingdom of Saudi Arabia in particular. These changes may affect the performance of the banking sector and threaten the growth and continuity of banks. Due to the different base...
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my-usim-ddms-12670 |
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uketd_dc |
| institution |
Universiti Sains Islam Malaysia |
| collection |
USIM Institutional Repository |
| language |
other |
| topic |
Banks and banking--Saudi Arabia Monetary policy--Saudi Arabia--History Saudi Arabia--Economic conditions. |
| spellingShingle |
Banks and banking--Saudi Arabia Monetary policy--Saudi Arabia--History Saudi Arabia--Economic conditions. علوي أبوبكر أحمد بلفقيه ‘Alawi ‘Abo Bakr ‘Ahmed Balfaqih مقارنة الأداء المالي للبنوك التقليدية والإسلامية في المملكة العربية السعودية |
| description |
The 2009-2018 period witnessed many political and economic changes in the world and
the Arab Gulf in general, and in the Kingdom of Saudi Arabia in particular. These
changes may affect the performance of the banking sector and threaten the growth and
continuity of banks. Due to the different bases of business between Islamic and
conventional banks, this study will examine the performance of Islamic and
conventional banks in the Kingdom of Saudi Arabia from 2009 to 2018. The study will
also suggest the necessary recommendations to address the weaknesses and deficiencies
related to the performance of these banks. The study sample comprises all 12 Saudi
national banks (8 conventional banks and 4 Islamic banks). The study relies on the
indicators of liquidity (cash balance ratio), profitability (return on average equity and
return on average assets), activity (percentage of resource investment and investmentdeposit
ratio), and financial solvency. The differences between the means of the
financial ratios of conventional banks and Islamic banks will be measured using
descriptive analysis (mean and standard deviation) and inferential analysis (t-test and
Levene’s test). Data analysis will be carried out using the Statistical Analysis Program
(SPSS). The findings have shown that Islamic banks have high liquidity compared to
conventional banks. Profitability indicators showed that there are no differences
between conventional banks and Islamic banks on the use of their own resources to
achieve profits in the average of study period. Both types of banks had close efficiency
in using assets to achieve profits. In addition, the activity indicators showed that the
conventional banks employ their resources better than Islamic banks, while both types
of banks are approximately similar in investment-deposit ratio. Moreover, both
conventional banks and Islamic banks have an acceptable solvency. The study
concluded with a set of recommendations including that Islamic banks must beware that
the liquidity does not reach the level of excess liquidity. Islamic banks must work
towards increasing cooperation, coordination, and integration between banks at the
local and international levels, as well as develop an Islamic financial market and
innovate Islamic financial tools. In addition, it is recommended for Islamic banks to
amalgamate to form an ideal size of an Islamic bank to be a role model. More attention
must be given to developing and improving Islamic banks system and introducing new
and diversified investment methods. Finally, it is recommended to establish training
institutions to educate bank employees and consequently avoid a shortage of experts in
the field of banking in the future. |
| format |
Thesis |
| author |
علوي أبوبكر أحمد بلفقيه ‘Alawi ‘Abo Bakr ‘Ahmed Balfaqih |
| author_facet |
علوي أبوبكر أحمد بلفقيه ‘Alawi ‘Abo Bakr ‘Ahmed Balfaqih |
| author_sort |
علوي أبوبكر أحمد بلفقيه |
| title |
مقارنة الأداء المالي للبنوك التقليدية والإسلامية في المملكة العربية السعودية |
| title_short |
مقارنة الأداء المالي للبنوك التقليدية والإسلامية في المملكة العربية السعودية |
| title_full |
مقارنة الأداء المالي للبنوك التقليدية والإسلامية في المملكة العربية السعودية |
| title_fullStr |
مقارنة الأداء المالي للبنوك التقليدية والإسلامية في المملكة العربية السعودية |
| title_full_unstemmed |
مقارنة الأداء المالي للبنوك التقليدية والإسلامية في المملكة العربية السعودية |
| title_sort |
مقارنة الأداء المالي للبنوك التقليدية والإسلامية في المملكة العربية السعودية |
| granting_institution |
Universiti Sains Islam Malaysia |
| url |
https://oarep.usim.edu.my/bitstreams/a524c678-eadf-4487-a5a8-1a5aaf59dd14/download https://oarep.usim.edu.my/bitstreams/5a131f3e-f335-42d4-8f8f-7937ad95f1ea/download https://oarep.usim.edu.my/bitstreams/be02125a-a4df-4e60-9b8c-7f85d5b68080/download https://oarep.usim.edu.my/bitstreams/924c49d4-c7be-4ba4-8137-10270b8ec353/download https://oarep.usim.edu.my/bitstreams/44e39867-52b5-4982-8b2e-070a989211e1/download https://oarep.usim.edu.my/bitstreams/42ce60a9-3d5e-4c08-b983-0b72a0281d1f/download https://oarep.usim.edu.my/bitstreams/e063041d-1ae6-41ee-9de2-483917373f89/download https://oarep.usim.edu.my/bitstreams/be90d01e-0a9a-4d18-bec9-5e65b9af7671/download |
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1812444842884595712 |
| spelling |
my-usim-ddms-126702024-05-29T19:51:03Z مقارنة الأداء المالي للبنوك التقليدية والإسلامية في المملكة العربية السعودية Muqaranah al-‘ada al-mali lil bunok al-taqlidiyah wa al-islamiyah fi al-mamlakah al-arabiyyah al-saudiyyah علوي أبوبكر أحمد بلفقيه ‘Alawi ‘Abo Bakr ‘Ahmed Balfaqih The 2009-2018 period witnessed many political and economic changes in the world and the Arab Gulf in general, and in the Kingdom of Saudi Arabia in particular. These changes may affect the performance of the banking sector and threaten the growth and continuity of banks. Due to the different bases of business between Islamic and conventional banks, this study will examine the performance of Islamic and conventional banks in the Kingdom of Saudi Arabia from 2009 to 2018. The study will also suggest the necessary recommendations to address the weaknesses and deficiencies related to the performance of these banks. The study sample comprises all 12 Saudi national banks (8 conventional banks and 4 Islamic banks). The study relies on the indicators of liquidity (cash balance ratio), profitability (return on average equity and return on average assets), activity (percentage of resource investment and investmentdeposit ratio), and financial solvency. The differences between the means of the financial ratios of conventional banks and Islamic banks will be measured using descriptive analysis (mean and standard deviation) and inferential analysis (t-test and Levene’s test). Data analysis will be carried out using the Statistical Analysis Program (SPSS). The findings have shown that Islamic banks have high liquidity compared to conventional banks. Profitability indicators showed that there are no differences between conventional banks and Islamic banks on the use of their own resources to achieve profits in the average of study period. Both types of banks had close efficiency in using assets to achieve profits. In addition, the activity indicators showed that the conventional banks employ their resources better than Islamic banks, while both types of banks are approximately similar in investment-deposit ratio. Moreover, both conventional banks and Islamic banks have an acceptable solvency. The study concluded with a set of recommendations including that Islamic banks must beware that the liquidity does not reach the level of excess liquidity. Islamic banks must work towards increasing cooperation, coordination, and integration between banks at the local and international levels, as well as develop an Islamic financial market and innovate Islamic financial tools. In addition, it is recommended for Islamic banks to amalgamate to form an ideal size of an Islamic bank to be a role model. More attention must be given to developing and improving Islamic banks system and introducing new and diversified investment methods. Finally, it is recommended to establish training institutions to educate bank employees and consequently avoid a shortage of experts in the field of banking in the future. Universiti Sains Islam Malaysia 2023-06 Thesis other https://oarep.usim.edu.my/handle/123456789/12670 https://oarep.usim.edu.my/bitstreams/a524c678-eadf-4487-a5a8-1a5aaf59dd14/download 824f8003355110f611c56878e4f1b27d https://oarep.usim.edu.my/bitstreams/5a131f3e-f335-42d4-8f8f-7937ad95f1ea/download f870ecd3dce4f5cec12fca93c468f16c https://oarep.usim.edu.my/bitstreams/be02125a-a4df-4e60-9b8c-7f85d5b68080/download 41cbd54688008810beb4ef8d1a422348 https://oarep.usim.edu.my/bitstreams/924c49d4-c7be-4ba4-8137-10270b8ec353/download dc7ec96501593c675a2d6b9cf151ca30 https://oarep.usim.edu.my/bitstreams/44e39867-52b5-4982-8b2e-070a989211e1/download 498577d6b32f60b47140e70dfe117376 https://oarep.usim.edu.my/bitstreams/42ce60a9-3d5e-4c08-b983-0b72a0281d1f/download 23ecefc6238ce7175265a6ea460d3437 https://oarep.usim.edu.my/bitstreams/e063041d-1ae6-41ee-9de2-483917373f89/download 1fae12401e9cb16ac2e3e31a7f2fe0d9 https://oarep.usim.edu.my/bitstreams/be90d01e-0a9a-4d18-bec9-5e65b9af7671/download eac3b762f7ac0b8dad521d3cc2f0e981 https://oarep.usim.edu.my/bitstreams/9692bd2a-f278-4b01-84a9-9f11a5ad23a3/download 8a4605be74aa9ea9d79846c1fba20a33 https://oarep.usim.edu.my/bitstreams/cf98ea0e-78a0-4aeb-bc13-76fd0bd11c5d/download 805c342d973b344698acf094066011ca https://oarep.usim.edu.my/bitstreams/c2f175fd-1f5d-465a-9be6-15c653dcc3e1/download bae7f421184437b69fe53ecb770be092 https://oarep.usim.edu.my/bitstreams/ca78f6ce-c5d2-4666-84df-f0c064443ba3/download 5b58891cde5b71b52f1298dbf02d56e6 https://oarep.usim.edu.my/bitstreams/68de6cf3-48fa-45ba-87ed-8c1488f183e8/download b12f923da4caf40bcee0bd58e8c0f616 https://oarep.usim.edu.my/bitstreams/f3a83e59-eef6-497d-8606-1462772d3d6b/download 5f3d7571d991ce26e8b3bf01ec3dc38c https://oarep.usim.edu.my/bitstreams/de82fa48-26f2-4c1c-899e-c08016330a27/download 7ea1dc8eb49df4c7a1acbe9c621b3d7b https://oarep.usim.edu.my/bitstreams/bbe1f41a-4216-40c1-9759-250676658c36/download a98ba4ddcd373ad02560a7a559ee2034 https://oarep.usim.edu.my/bitstreams/681dcc33-0329-4938-a635-4e9e90da6d8e/download 68b329da9893e34099c7d8ad5cb9c940 Banks and banking--Saudi Arabia Monetary policy--Saudi Arabia--History Saudi Arabia--Economic conditions. |