Browsing by Author "Arshad, Mohamed Bahrain Shamsul"

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    AN ANALYSIS OF THE LITERATURE ON ISLAMIC BANK RISK-TAKING
    (Department of Banking & Finance, Nasarawa State University, Keffi, 2018-10-11) Mairafi, Salihu Liman; Hassan, Sallahuddin; Arshad, Mohamed Bahrain Shamsul
    This article reviews empirical literature on Islamic banks risk-taking behaviour and point out directions for future research. Extant studies on Islamic banking risk-taking have identified risk associated with the Islamic banking product. The paper discusses different scholar’s findings and highlight areas of concerns. Recent studies focus on risk-taking behaviour with emphasis on area of governance, ownership structures and performance. The paper discusses issues that are important to Islamic banking risk-taking behaviour and discover areas for future research.
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    Determinants of Bank Risk-Taking: A Comparative Analysis between Islamic and Conventional Banks
    (Department of Banking & Finance, Nasarawa State University, Keffi, 2019-10-31) Mairafi, Salihu Liman; Hassan, Sallahuddin; Arshad, Mohamed Bahrain Shamsul
    Even though several majors have been implemented by the regulators to ensure stability in the banking sector, the incessant failure of banks and their poor performance in the aftermath of the 2007-2008 global financial have generate concerns. As a result, this study compares the bank-specific determinants of bank risk-taking between the Shariahcompliant banks and the conventional counterpart. Using a panel regression on data from selected countries during the period 2006-2015, the findings disclose that capital, liquidity, size, and significantly affect conventional banks’ risk-taking while for the Islamic banks, assets quality and bank size are the only variable that shows significant relationship. Hence, we recommend further studies to consider other factors such as the macroeconomic variables in comparing their effects on bank risk-taking behaviour of the dual banking systems to provide additional insights to various stakeholders for an informed decision and policy making.
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    SYSTEMATIC REVIEW OF LITERATURE ON EFFECT OF LIQUIDITY ON BANK
    (Department of Banking & Finance, Nasarawa State University, Keffi, 2018-08-13) Mairafi, Salihu Liman; Hassan, Sallahuddin; Arshad, Mohamed Bahrain Shamsul
    This study carries out a systematic review on related empirical literature on the role of liquidity on banks’ performance as well as risk-taking. The review of existing literature revealed that bank’s liquidity has significant influence on banking outcomes such as banks performance, banks risk-taking behaviour, moral hazard, and other financial risks. However, we find that empirical evidence on all these is majorly skewed toward developed market. Therefore, we recommend that further studies in this area to provide additional insight for understanding of the impact of liquidity on the performance as well as the risk-taking behaviour and moral hazard. Thus, policy makers, banking regulators shareholder and other stakeholders will be properly guided on the potential impact of banks’ liquidity and their performance and risk-taking behaviour.