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Essay / Research Paper Abstract
This 16 page paper looks at the role and performance of Islamic banks and considers the hypothesis that Islamic banks are ore profitable than non Islamic banks. The paper starts by considering the role of banks and the application of Islamic banking. The paper then presents primary research using data from Islamic bank accounts and performs an hypothesis test both return in assets and return on equity as profitability measures. This is compared with existing research before a conclusion is reached. The bibliography cites 20 sources.
Page Count:
16 pages (~225 words per page)
File: TS14_TEisbank.rtf
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Unformatted sample text from the term paper:
5 CONCLUSION 18 REFERENCES 18 1. Introduction The purpose of any business it to create a profit. This is true of the majority of business
in all different culture. The differences may be seen in the way that the profit is created. One area of business that has been increasing in the last few decades
have been Islamic banking institutions. In the 1970s these banks had about 2% of the markets in their respective companies, by 2000 this had increased to 15% (Aggarwal and Yousef,
2000). For this level of growth the be seen the demand must be present for both the savers and the borrowers, with the ability of the bank to create a
profit despite the restriction on interest payments and charges under Islamic law. The hypothesis of this paper is that the model of Islamic banking is likely to create a
higher profit level than non Islamic banks. For this we need to look at the concept of Islamic banks and then test how they create financial returns for the organisations
comparing their efficiency with non Islamic banks. The value of this study may be broad ranging as there are few studies which have considered Islamic banking in terms
of profitability. Some studies, such as that by Khan and Mirakhor (1987) and Khan (1986) have examined the implications of eliminating interest payments. However, when it comes to measuring profitability
and comparing this the results so far have been inconclusive not producing any conclusive results that give a single clears picture (Zaher and Hassen, 2001, Hassan, 1999, Bashair, 1999,
Bashir et al, 1993). Whilst this report will be too short and suffer too many constraints to rectify this situation, but this may add to the data which is being
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