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The Asset and Liabilities Gap Management of Conventional and Islamic Banks

An Empirical Study of Pakistan, UAE, Malaysia, and Bahrain

The purpose of this study is to determine the Gap between the assets and the liabilities of Islamic and conventional banks. It also finds the impact of liquidity risk, capital adequacy, management efficiency, operating cost, and transaction size on net interest margin for Conventional Banks (CBs) and net profit margin for Islamic Banks (IBs) in Pakistan, Malaysia, Bahrain, and UAE. Short-term and long-term assets and liabilities gap is further emphasized in this study. Data were extracted from the financial statements of both types of banks for the period of 2008-2014. This study finds that there is a negative short-term gap for both types of banks while the long-term gap for both types of banks is positive. Results show that the operating cost is an important factor which affects the profit margins and progress quality of the management of banks. Finally, the overall results show that the CBs have better assets and liabilities structure of profitable assets at low cost liabilities.

The purpose of this study is to determine the Gap between the assets and the liabilities of Islamic and conventional banks.

Asset Liability Management

Comparative Study Between the Conventional and Islamic Banks in Malaysia

This research evaluates the asset liability management of both conventional banks and Islamic banks in Malaysia, pre and post global financial crisis 2007/2008. This research is motivated by the fact that conventional banking system and Islamic banking system are operating on different frameworks and fundamentals. The purpose of this research study is to examine whether there are any significant differences between the Islamic banks in Malaysia and its conventional counterparts in terms of asset liability management. It is investigated from three aspects, which are interest (profit) rate risk management, credit risk management and liquidity risk management, before and after the global crisis. This research applies a descriptive method of data analysis as well as parametric and non-parametric tests, i.e. independent samples t-test and Mann Whitney U-test. The findings of this research suggest that there does not seem to be any significant differences between the conventional banks and the Islamic banks in terms of interest (profit) rate risk management (Net Interest Margin, Net Interest Income), credit risk management (Equity to Total Assets, Equity to Net Loans) and liquidity risk management (Liquidity Ratio, Net Loans to Total Assets Ratio). Limitation of this research is that the research focused on Malaysian data and to what extend Islamic banking systems is shariah compliant or not is not examined. The outcome of this research may highlight the risk that needs more significant attention in order to reduce the likelihood of exposures to the Islamic banks. Besides that, it may also highlight the need to implement new policy of asset liability composition in Islamic banks by the regulators. Further research on the area of Islamic banking system's asset liability management from the qualitative aspect is highly recommended, as there is limited literature on this area.

This research evaluates the asset liability management of both conventional banks and Islamic banks in Malaysia, pre and post global financial crisis 2007/2008.

Democracy and Administration: Woodrow Wilson’s Ideas and the Challenges of Public Management

Manajemen Komunikasi Pemasaran Terpadu: Integrated Marketing Communications Management - Rajawali Pers

Pola-pola tradisional strategi komunikasi pemasaran yang telah teruji dalam kurun waktu puluhan tahun dan mampu mendukung pencapaian kesuksesan suatu organisasi komersial maupun sosial dalam mencapai visi dan misinya, saat ini mulai dirasakan adanya perubahan-perubahan yang mendasar. Strategi-strategi konvensional dalam bisnis, pemasaran, dan komunikasi pemasaran yang semula tajam dan dapat dihandalkan, mulai kehilangan daya dorongnya. Diperlukan adanya pemikiran dan terobosan baru untuk mengatasi perubahan kondisi dan situasi pada Abad ke-21. Buku ini memberikan pemahaman mendasar tentang Komunikasi Pemasaran Terpadu (Integrated Marketing Communications/IMC), merupakan paradigma baru dalam konsep dan aplikasi perencanaan komunikasi pemasaran yang mampu menjawab tantangan permasalahan bisnis, pemasaran, dan komunikasi pemasaran pada era teknologi informasi dan komunikasi, di masa kini maupun mendatang. Sebagai buku teks, buku ini layak dijadikan buku pedoman bagi para akademisi untuk dasar pengajaran, referensi bagi mahasiswa, dan implementatif bagi para praktisi yang menggeluti bisnis, pemasaran, dan komunikasi pemasaran.

... School of Advertising. Sunarto Prayitno juga aktif menulis sejak mahasiswa sampai kini, beberapa hasil karyanya dimuat di majalah Gadis, Kartini, Manajemen ... belajar di Malaysia Institute of Management, Kuala. Tentang Penulis 151.