The Selection Of Islamic Banking Sector Essay

Over the span of this summer I read The Call of the Wild by Jack London. The protagonist or “main” character is Buck; Buck is also a round character he is a round character because he complex and undergoes development. Buck is a dog; he is part St. Bernard, and another part Scotch shepherd. Buck’s “rival” is Spitz. Spitz is the antagonist in this story.

Halloween is an international holiday that is celebrated every year on the 31st of October. Halloween is a holiday that consists of a history of traditions that have been evolved to fit more modern times. Halloween is considered an ancient tradition that was once religious. Halloween has a rich history and has influenced thousands of cultures throughout the 2,000 years that the holiday has been in practice.

An Islamic financial institution such as financial banking has been established before two or three decades ago in the aim to provide satisfactory financial facilities to the interested parties as compared to conventional banks. In 1974 Dubai Islamic bank which is the first Islamic commercial bank was established and later Islamic Development Bank (IDB) has been established in 1975 (Hennie and Iqbal, 2008).

There are several issues that arise in Islamic finance where the issues includes the lack of expertise in conducting Islamic finance system and also to supervise the system so that it according to Shariah compliant. Besides that, the diversion from conventional products to Islamic product also becomes one of the issue in

From reading over the vignette it is evident that Cynthia's insight on her current illness appears to be poor and her judgment was deemed impaired by the LCSW that assessed her. She was in complete denial about there being any issues, she refused any testing or treatments and stated she would decline to be a "trained seal, guinea pig, Mr. Ed, and a barking dog". Her lack of understanding and acceptance of her mental illness has prevented her from seeking the treatment that she needs. It is important when developing treatment plans for clients to understand all aspects of the client such as; genetic, biological, environmental, and psychological factors in order to understand the underlying causes. Different people experience major depression differently. Therefore, the major thing that needs to be taken into consideration is that people of all ages , races, and social classes can be diagnosed with depression.

In most Islamic countries, they tend to practice two types of financing in banking industry which are conventional and Islamic banking. The country like in Malaysia has successfully developed an Islamic banking system that operates in parallel with the conventional banking system. There is similarity between conventional banking and Islamic banking which helps to promote economic growth provided financing services such as credit facilities for business activity, mortgage, securities, etc. in order to achieve their same ultimate profit objectives. However, there are also having differences in practicing financial services due to most investors having their own preferences on their investments and

Results indicate that conventional banks perform better in profitability, while Islamic banks perform better in liquidity and credit risk. In t-test of the return on asset (ROA) and total equity to net loans, there are no major difference between Islamic banks and non-Islamic banks. In the return on equity and common equity to total assets, there are statistically significant differences in these two groups. The statistically significant difference was shown in the area of liquidity which means that the Islamic banks liquidity performance has major difference with the non-Islamic banks.

As a result, a new service “Tawasul” launched in the market and the reason why the Bank choose it as their competitive advantage because it provide all the differences a competitive advantage should hold and as will it met the banks objectives. As a service that is different “Tawasul” have it all. It is Important to the customer, distinctive as no other bank in the same market provide the same, superior .communicable, pre-emptive as it’s not easy to be cloned, affordable to customers and finally profitable to the Bank.

In the Islamic banking system,according to sources and causes of risks, it might be an external risk which due to changes in risk policies and regulations caused by banking supervisory authorities ( regulatory risk ) or macro and external impact of benchmarks such as LIBOR interest rate factors, namely the use of determine the speed mark Islamic Bank ( known as interest rate risk ) ;There are risks to fulfill obligations related to the debtor by Islamic Banking( Credit risk ) , there are a set of risks, operational risks collectively,Islamic banks themselves , the people involved / staff, including errors, negligence and fraud, the system and the use of technology in the Islamic Banking , the proceedings and / or processes and procedures

This study is undertaken to understand the concept and features of Islamic banking and conventional banking, the similarity and differences between the two systems and their economic implications. Generally, a financial institution or a financial intermediary that accepts deposits and channels those deposits into lending activities, either directly or through capital markets is given the name of bank. its source of generating revenue and cost of funds is charging of interest through lending and also accepting deposits for interest respectively. Interest is the major driver of operations of conventional banks although other valuable services including guarantees, funds transfers, safety of wealth, facilitation in international trade etc., also form a substantial part of income of banks.

Main competitive pitch of Islamic banking is in Sharia compliant and interest free. But the real business of Islamic banking is producing profit.

The primary source of data for research is interviews with bank executives. To confirm information collected by primary data, some documents published by banks were used as secondary data. The interviews were recorded and important points were collected. The whole research can be divided into three steps. First is general description of

Globalisation will help bank managers in Saudi Arabia to present both high quality service and efficient management styles by using internet and high technologies. Research shows that weather of using internet is more likely in banking sector which is facilitating business for both employees and consumer. Indeed, over than 50% of population in Saudi Arabia is under 25 years old. Thus, this segmentation will be more interest using new-technology in bank services; as well as, competition will be brought a new demands by foreign banks which are established high quality e-banking, facilities and developed products ( The Middle-East 2003).

The manner, appearance, efficiency, professionalism and knowledge of the staffs of the bank also play an important role in driving customers to their respective banks. The reason is that if the staffs are not able to handle the queries or problems of the staffs then the customers are not tempted to do banking with a particular bank. This may be either with a nationalized or a privatized bank.

the First International Conference on Islamic Banking, held in Dubai in 1979, it has not been widely implemented throughout Islamic financial system (Bendjilali and Khan,1995, p. 16). It is a relatively new and very little used product available for Islamic banks. The paper claims that MMQ is more in line with Shari’ah teachings and as such should be used more by Islamic financial institutions. The study indicates that MMQ possibly has a comparative advantage for both financiers and the customer when compared with