today, banking is one of the most important sectors of the economy. banks with their economic and financial operations cause transfer of resources. resources are transferred from people who are not willing or able directly to participate in economic activities to those who need to capital for economic affairs and consequently causing economic growth for society. in islamic banking, circulation ...

Stability analysis is one of the most important fields of study in the Islamic banking and finance industry. For measuring stability in Islamic banking, we introduced, for the first time, an Islamic banking stability index (IBS) during 2013 to 2016 which use all CAMEL factors and so seems to be more comprehensive than Z-score stability index which dominantly used in the existing literatures. To...

In the Western world, consumers complain about the soaring of non-interest bank fees during the recent years, the post global financial crisis in particular. Commercial banks charge a variety of non-interest fees for their transactions. This paper empirically tests whether the free charges are significantly different between conventional commercial banks and interest free Islamic banks. The ave...

This study investigates the banking behavior of Islamic bank customers in Bangladesh. By collecting data from a sample of 100 customers of Islamic banks, researchers conducted a comprehensive profile analysis, a number of chi-square tests, and t tests and found a number of key findings as to the behavior of Islamic bank customers in Bangladesh. First, most of the customers of Islamic banks fall...

credit risk is defined as a situation in which the liability itself and its interests are not paid back based on the terms determined in contract. in fact, it is considered as the most important risk each bank has to encounter, among the ones present in banking operations, which is actually because of bank's later life being dependent on it. therefore, carefully taken into account, the fac...

Islamic finance is a prohibitions-driven industry, which aims primarily to circumvent the canonical Islamic prohibitions of riba and gharar. The concepts of riba and gharar may best be understood as unbundled sales of credit and risk, respectively. An obvious solution is to adopt mutual structures for financial intermediaries of credit (e.g. banks) and risk (e.g. insurance companies), as early ...