Empirical essays on islamic banking : competition, stability and governance

Abstract : This dissertation highlights three important issues in Islamic banks. In the first chapter, we investigate the impact of dual market competition on the differences in deposit rate setting in Islamic and conventional banks. We show that there are notable differences in the determinants of deposit rates in the two types of institution. Market competition has a significant impact on deposit rate of conventional banks but not Islamic banks. Our result, in general, suggests that although Islamic banks’ deposit seems to be similar than conventional banks, their determinants are different. In the second chapter, we continue our investigations by looking at the competition-stability issue. Does competition between Islamic and conventional banks increase banks’ stability or fragility? Our main finding suggests that competitive dual banking market is not beneficial for banks’ stability. In line with the result from the first chapter, in the next investigation, dual market competition only matters for conventional banks. In the third chapter of this dissertation, we analyze the role of Shariah Supervisory Board (SSB) on banks’ equity financing. Our result shows that Islamic banks’ equity financing is influenced by some characteristics of SSB. The presence of SSB member in the Board of Directors (BOD) or executive member has a positive impact on equity financing whereas the existence of a Shariah department in Islamic banks decreases the proportion of equity financing.
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Submitted on : Tuesday, April 24, 2018 - 11:48:05 AM
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Tastaftiyan Risfandy. Empirical essays on islamic banking : competition, stability and governance. Economies and finances. Université de Limoges, 2018. English. ⟨NNT : 2018LIMO0004⟩. ⟨tel-01775012⟩

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