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This study compares the financial condition and performance of the Islamic banks against those of the conventional banks in Kenya along the dimensions including profitability, liquidity and solvency. The study applies “descriptive financial analysis” research design and is longitudinal in nature spanning a period of six years from 2010 to 2015. A sample of seven banks has been studied covering two fully fledged Islamic banks and five non-Islamic banks under the same small peer group according to the CBK bank supervision report of 2014. Secondary data collected from the banks’ financial statements has been utilized in this study. The study concludes that the difference in profitability and solvency between the Islamic banks and the conventional banks is not statistically significant. On liquidity, however, Islamic banks have proven to be significantly better than the Non-Islamic banks. JEL: G21, G24, E50
2015 •
International Journal of Current Aspects
Shariah Banking and Financial Performance of Selected Commercial Banks in Kenya2019 •
2011 •
2014 •
Islamic banking has a recent origin as compared to its conventional counterparts. Islamic banking is sporadically progressing from being a relatively new sector in local and international finance to one viable economy can hardly do without. Islamic banking is enjoying stable growth even in the world of financial crisis at an average rate of 15% growth. The growth has not been exceptional in the Kenyan scenario despite the small population of the Muslim community. Basing on this, it is important to look into the strategic factors affecting the growth of Islamic banks in Kenya. The study reviewed literature on sharia law and Islamic bank growth. The study adopted a descriptive study design in the empirical part of the study. Self-developed short structured questionnaires were distributed to the various respondents. The study’s population was derived from two Islamic banks customers in Nakuru town having a customer base of 6929 persons. Data collected was edited, coded and analyzed usi...
2016 •
The Purpose of this research study is to measure the comparative financial performance of Islamic banking sector and conventional banking sector of Pakistan in terms of profitability, liquidity and risk & solvency. This research work also facilitate to all the stakeholders of Islamic banking sector and conventional banking sector including country heads of banks, branch managers, shareholders, creditors, investors, religious segment of population and regulatory bodies of Pakistan. Sample size consist of ten banks selected by using the conveyance sampling techniques including five leading Islamic banks (Meezan Bank, Bank Islami, Burj Bank, Dubai Islami Bank and Albarka Bank) and five conventional banks (MCB Bank Ltd, United Bank Ltd, Allied Bank Ltd, Habib Bank Ltd & Bank of the Punjab). The findings of the study indicated that conventional banking stream dominating on Islamic banking sector with respect to profitability at the cost of worst liquidity and high risk. Islamic banking s...
The purpose of the study was to investigate the challenges facing the development of Islamic banking in Kenya. The research designed for study was a case study approach focusing on four Islamic compliant banks in Kenya. These are:-First Community Bank; Gulf African Bank; Dubai Bank; Kenya commercial Bank Ltd and Barclays Bank Ltd. The population of the study consisted of 33 customers, who were the holders of accounts in the respective banks and 11 managers. Sample data collected by use of questionnaires administered by the researcher and a research assistant. Data analysis method used is based on the quantitative approach using descriptive statistics: mean, mode, and median. Frequency tabulations and cross tabulations were used to bring out the finding of the study. The study revealed Islamic banking compliant was driven by religious compliance and customers need being met. It also revealed that continuous review and improvement of shariah compliant products together with diversifying market niche will lead to drastic development and marketing of Islamic banking products. From the study the following conclusions were drawn: firstly, the factors that influence development of Islamic banking products in Kenya are purely religious compliance and customers need being met.
The Global Journal of Business Research
Financial Performance of Islamic and Conventional Banks: Evidence from Jordan2015 •
2015 •
International Journal of Finance
Islamic Banking and Investment Financing: A Case of Islamic Banking in Kenya2017 •
Purpose: The purpose of this study was to establish the effect of Islamic banking on investment financing in Islamic banks in Kenya.Methodology: This study employed descriptive survey design. The population of this research consisted of 8 commercial banks offering Shariah compliant products. The study used secondary data for the period 2009 to 2012. Data was analyzed using Statistical Package for Social Sciences (SPSS) and results were presented in frequency tables and figures. The data was then analyzed in terms of descriptive statistics like frequencies, means and percentages.Results: The study findings indicated that there were various Islamic banking products that Islamic banks used to finance their investments. This included motor vehicle financing, mortgage financing, asset financing, real estate financing, trade financing and SME financing. The study also indicated that there were various modes of financing used by Islamic banking such as profit and loss sharing, Ijara and mu...
This study examines the impact of market interest rate fluctuations on the profitability of Islamic banks in Kenya. Kenya is fast developing as the Islamic finance hub of East Africa. Gulf African Bank and the First Community Bank have operated in Kenya as fully fledged Islamic banks since the year 2007. The Central Bank of Kenya has also licensed several conventional banks to offer Islamic banking products. Most studies done on the profitability determinants of Islamic banks have been mainly focusing on the Middle East countries. This study therefore contributes to literature by examining the Islamic banks within the East African region. Islamic banking financial model does not involve the charging or receiving of interest which is prohibited under the shariah rules. As opposed to the conventional banks which derive their profits mainly from interest charged on borrowings, islamic banks derive their income from arrangements that include joint ventures (musharakah) as well as cost-plus (murahaba) and profit-sharing (mudharabah) undertakings. Though these financial institutions do not charge or receive interest, they exist in an economy characterized by market interest rates which quite often fluctuate. This study therefore sought to establish whether such market interest rate fluctuations directly or indirectly affect the profitability of the Islamic banks. The study adopted a longitudinal survey design in which the banks’ financial data and the average central bank rates (CBR) over a five-year period (2009-2013) were analyzed. The study concluded that there is a positive relationship between the market interest rate changes and profitability of Islamic banks in Kenya.
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