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Customer Demographics Affecting Bank Selection Criteria, Preference, and Market Segmentation: Study on Domestic Islamic Banks in Bangladesh
Mamunur Rashid,M. Kabir Hassan
International Journal of Business and Management , 2009, DOI: 10.5539/ijbm.v4n6p131
Abstract: Bangladesh is a moderate Islamic country. There are six full pledged Islamic banks providing services to wide range of customers. This study is designed to examine the impact of demographic disparities on the bank selection criteria applied by diversified customers of domestic Islamic banks in Bangladesh. We have run regression analysis after controlling for four demographic groupings such as Gender, Marital Status, Age and Educational Qualification. The beta scores were taken for identifying the influential factors chosen by the customers of Islamic Banks. Mostly, non-Islamic factors such as Corporal efficiency, Core-Banking services, Confidence, etc. were given higher weights by majority of the respondents. The report recommends introducing complete E-Banking solution, to increase advanced marketing efforts and to hire experienced human resources for better Islamic Banking activities in Bangladesh.
Human resources development in Nigerian commercial banks: An empirical investigation  [PDF]
Olalekan Anthony Sotunde,Akeem Salami
Management Science Letters , 2012,
Abstract: Human resources development is one of the management functions that are aimed at maximizing the return on the investments. It is a combination of training and education that ensure continual improvement and growth of all stakeholders. The growth witnessed in banking sector of Nigeria has been attributed to many factors among which are the human resources available. The influx of human resources into the banking sector from different disciplines and observed restrictions on employees have necessitated the need for human resources development. Therefore, an attempt is made with this research to investigate the human resources development situation in the sector, with a study of one thousand employees of different commercial banks selected, randomly. Data was collected with a well structured questionnaire and analyzed using descriptive statistics. Hypotheses formulated were tested with t-test and the result shows that manpower from different disciplines are employed in Nigerian banking sector, the sectors has absorbed many from labour market, the new entrants are trained at inception, an average employee in commercial bank hardly has time for personal development effort.
Creating the Superior Islamic Banking Through Improving Quality of Human Resources
Siswanto
Pakistan Journal of Commerce and Social Sciences , 2011,
Abstract: This study attempts to make empirical examination in how psychological empowerment program created by Islamic banking enhancing organizational commitment. This paper develops a model of organizational commitment dimension and the impact of psychological empowerment. It uses data from a sample of Islamic banking employees in Malang City–East Java–Indonesia. The study showed that provide considerable support for the theory. The affective dimension is the greatest factor due to organizational commitment. This study reveals that organizational commitment of Islamic banking employees based on gender and age ware relatively different. Such was the case psychological empowerment, gender relatively was different.
Funds and Means of Investing them in the Islamic Banks
Abdel Wadoud Moustafa Moursi El-Seoudi
Journal of Economics Theory , 2012, DOI: 10.3923/jeth.2012.42.47
Abstract: Sources of the funds of the Islamic bank are the first starting point towards forming an investing policy of the bank. Therefore, these resources should be studied well so that we can decide the favorability extent of these resources to the different forms of investment. Thus, this research will touch upon the basic sources of funds in the Islamic banks. They are of two kinds: firstly, internal sources which are the rights of the ownership of the bank that include the capital, reserves and retained earnings. Secondly, external ones which are the deposits in the Islamic banks. They are one of the most important resources of the bank ever. They also are considered the main resource that the Islamic bank depends on in most of the investiment operation. Then, the researcher moved to speak about the means of investing funds in the Islamic banks which are represented in establishing direct projects, establishing projects in conjunction with others, financing through partnership, financing through Muraabahah (i.e., selling an object while informing the purchaser of its original price and the profit he is getting in this deal), direct trading, sale of Salam (buying in advance), Mudaarabah (i.e., agreement in which a person gives an amount of money to another person in order to trade with it and the second takes a share in the profit, like a half or a third and the like), sale of Ta jeeri (leasehold) and installment sale. Then, the objectives of investing funds in the Islamic banks have been pointed out. These objectives can be divided into two groups. Fisrtly, the group of the objectives of achieving the self benefit of the Islamic bank which are represented in the objective of profitiability, the objective of safety and the objective of grwoth. Secondly, the group of the objectives of achieving the social benefit such as participating in the plans of development, providing the basic needs of socity and achieving the social solidarity.
Service of Islamic Banks
Ali Idiab Mohamed Idiab,Mohamad Sabri bin Haron,Shofian Bin Hj. Ahmad
The Social Sciences , 2013, DOI: 10.3923/sscience.2012.1.8
Abstract: Islamic banks has development in many aspects. In practical performance of banks function, this was a limited activity in service banks and commercial processes. Later, it came to they possess financial power and ability to create Islamic loans. They possess financial power and ability to create Islamic loans. Economical union supported by banks is not restricted to a domestic sphere but has expanded internationally as its operations enjoy fidelity and fulfillment between banking organizations in different countries. As banking systems Islamic banks had developed, they are no longer restricted to role of being financial and service organizations but have become money market within public sector. Furthermore, they follow up monetary flows and banking securities by playing positive role of providing the organised money market with enough information about commercial activities. In addition, as a financial mediator who has adequate statistics about other economical units besides its main role in creating successful development plans and riskless investment. Islamic banks operations have their own characteristics which are intensive, multiple and influential on each other. Many operations are based on trust such as receiving large deposit but also with many banking risks, related to its rights or rights of others. It is also a well known fact that banks within Islamic banks rarely commit major mistakes as consequences of these mistakes will not be restricted to same bank but will expand to include whole banking system. This leads to mistrust between many parties that will increase hazards in dealings in money.
Traditional Banks Conversion Motivation into Islamic Banks: Evidence from the Middle East  [cached]
Farooq Salman Alani,Hisham Yaacob
International Business Research , 2012, DOI: 10.5539/ibr.v5n12p83
Abstract: The increasing awareness on Islamic banking and finance has created a huge demand for shari’ah based or shari’ah compliant products. Banks, especially are trying to capture this huge market by either converting themselves into a full fledge Islamic banks or opening a window for the Islamic based transactions. This study highlights the reasons why traditional banks turned towards Islamic model. The phenomenon of traditional banks turning into Islamic form was reinforced by the success of these banks averting the recent world economic crises. This study examined this phenomenon through four axes, first is the law, second is the risk and profit rates, third is about the customer needs for Islamic products, final one the lessons of successful conversions the region. This study concludes that there is a statistical significance between the trend towards the switching to Islamic banks and the low risk nature with high levels of profits that characterized Islamic banks. Also, religious (Islam) has influenced the conversion towards Islamic model. The study put forward several recommendations. Perhaps the most important call is to unite, integrate and increase interdependence between the Islamic banks. It is also important for the Islamic banks to innovate and create new products for the benefit of the consumers at large.
Islamic Banking Experience of Pakistan: Comparison between Islamic and Conventional Banks  [cached]
Ashfaq Ahmad,Kashif ur Rehman,Muhammad Iqbal Saif
International Journal of Business and Management , 2010, DOI: 10.5539/ijbm.v5n2p137
Abstract: This study examines the relationship between service quality and customer satisfaction regarding Islamic banks as well as conventional banks in Pakistan. It also investigated how service quality affects customer satisfaction by assessing the magnitude of the relationship between selected variables. This study is important due to an emerging trend of Islamic banking practices in Pakistan in the existence of conventional banking system. Data were collected from 720 bank customers by using stratified random sampling. The results reflect that there is strong positive relationship between service quality and customer satisfaction in case of Islamic banks as well as in case of conventional banks. Findings showed that there is stronger positive relationship between service quality and customer satisfaction in Islamic banks as compared to Conventional banks in Pakistan. The study has a number of implications for bankers, policy makers and academicians. Key words: Islamic Banking, Bank Customers, Service Quality, Customer Satisfaction,Pakistan, Conventional bank
The Post Consolidation of Banks: Human Resources Management Challenges and Prospects in Nigeria Banking Sector
Bolaji Daniel Anifowose,Kabiru Ishola Genty,Olusegun Sulaiman Atiku
International Journal of Business and Management , 2011, DOI: 10.5539/ijbm.v6n11p67
Abstract: Around the world, more companies are turning to mergers and acquisition based on recapitalization of their sector to enter into new global markets; provide expanded services to customers; and improve operating efficiencies. Yet, most of the organizations that fused to meet-up with these competitive challenges fail to reach their intended objectives because merging organizations typically overlook the importance of the Human resource factor in such arrangements. This paper examines the importance of Human resource management as a strategic option in the Nigerian corporate environment during merger and acquisition programmes in order to promote effectiveness and efficiencies. The study adopted both quantitative and qualitative research design, using primary and secondary data to investigate the resultant effects of recapitalization on Human resource management in the Nigerian Banking Industry. Some vital information were collected from relevant literatures while questionnaires were distributed to elicit information about mergers and acquisition and its effects on Human resource practices of the affected banks. This was complemented by Interview in the affected banks, to determine how the consolidation exercise has expanded their service to customers and improve operating efficiencies. Two hypotheses were formulated and tested, using chi-square inferential statistical tool to analysis the collected data. The findings reveal that Human resource is an active agent of an organization which must be taken into consideration before embarking on reform exercises like mergers and acquisition to improve on the organizational performance. The study also posited that two-third of mergers ends in failure because of staff hostility and others because of insufficient preparation and inability to integrate personnel with the new system.Conclusively,it is important to realize how it can be difficult to drive people out of their comfort Zone because of the fear of the unknown(change) which the workers envisage in a new Organization. However, these changes must be communicated to the old staff in order to proffer a lasting solution to the resisters of change through adequate participation in such mergers and acquisitions.
Superiority of Conventional Banks & Islamic Banks of Bangladesh: A Comparative Study  [cached]
Md. Safiullah
International Journal of Economics and Finance , 2010, DOI: 10.5539/ijef.v2n3p199
Abstract: The commercial banking system dominates the financial sector with limited role of non-bank financial institutions and the capital market. The Banking sector alone accounts for a substantial share of assets of the financial system. Commercial banks contribute significantly in the economic development through the development of major contributory economic indicators directly or indirectly. Commercial banks in Bangladesh operate under branding of interest-based conventional banks and interest-free Islamic banks (based on Islamic sariah).The study emphasis on the financial performance analysis of both stream of banks to measure superiority. The study indicates that financial performance (business developments, profitability, liquidity and solvency, commitment to economy and community, efficiency and productivity) of both streams of banks is notable. Study result based on commitment to economy & community, productivity and efficiency signifies that interest-based conventional banks are doing better performance than interest-free Islamic banks. But performance of interest-free Islamic banks in business development, profitability, liquidity and solvency is superior to that of interest-based conventional banks. That is comparatively Islamic banks are superior in financial performance to that of interest-based conventional banks.
Liquidity Risk and Islamic Banks: Evidence from Pakistan  [PDF]
Naveed Ahmed,Zulfqar Ahmed,Imran Haider Naqvi
Interdisciplinary Journal of Research in Business , 2011,
Abstract: In order to safely and successfully run the business operations and to build healthy relations with the stakeholders, the banks as intermediaries, should manage the supply and demand of the liquidity. This study seeks to investigate the firm’s level determinants of liquidly risk of listed Islamic banks of Pakistan. For this purpose, liquidity risk is used as dependent variable while size, tangibility of assets, leverage, profitability and age are employed as independent variables. The results indicate that leverage, tangibility and age are important determinants to define the liquidity risk of Islamic banks of Pakistan while liquidity risk has statistically insignificant relationship with profitability and size of Islamic banks of Pakistan.
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