Efficiency of Islamic and conventional banks in Malaysia
Efficiency of Islamic and conventional banks in Malaysia
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DOI：
10.1108/jfra-03-2013-0011
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发表时间：
2013-11
影响因子：
2.5
通讯作者：
F. Ismail;M. Majid;R. A. Rahim
中科院分区：
文献类型：
--
作者：
F. Ismail;M. Majid;R. A. Rahim
目的-本文件的主要目的是审查选定的伊斯兰和传统的商业银行在2006年至2009年期间在马来西亚的成本效率。设计/方法/方式-数据包络分析（DEA）最初使用，调查马来西亚银行业的成本效率，然后由Tobit回归分析确定影响因素的伊斯兰和传统的银行在马来西亚的效率。结果-DEA结果显示，技术效率的主要贡献者的成本效率为传统的商业银行和分配效率的主要贡献者的成本效率的伊斯兰商业银行。这表明传统商业银行在利用信息技术和电子技术方面已经取得了成效。相反，伊斯兰商业银行在分配和利用其资源方面效率很高。此外，规模效率是伊斯兰和传统商业银行技术效率的主要来源，这表明规模在提高银行效率方面非常重要。Tobit回归分析的结果是双重的。首先，它证明资本化和银行规模与效率呈正相关。其次，贷款质量被发现是负的，并显着相关的效率。独创性/价值-本文通过对伊斯兰和传统银行的效率和银行的具体特点对他们的效率的影响的文献讨论的知识体系。
Purpose - The main purpose of this paper is to examine cost efficiencies of the selected Islamic and conventional commercial banks over the period of 2006 to 2009 in Malaysia. Design/methodology/approach - Data envelopment analysis (DEA) was initially used, to investigate the cost efficiency of the Malaysian banking sector and followed by Tobit regression analysis determine factors influencing the efficiency of Islamic and conventional banks in Malaysia. Findings - The DEA results reveal technical efficiency as the main contributor of cost efficiency for conventional commercial banks and allocative efficiency as the main contributor for cost efficiency of Islamic commercial banks. This indicates conventional commercial banks have been efficient in utilizing information technology and electronics. Islamic commercial banks conversely have been efficient in allocating and utilizing their resources. Additionally, scale efficiency is found to be the main source of technical efficiency for both Islamic and conventional commercial banks, denoting that size is important in improving bank efficiency. The results of Tobit regression analysis are twofold. First, it documents capitalization and bank sizes are positively and significantly associated to efficiency. Secondly, loan quality is found to be negatively and significantly associated to efficiency. Originality/value - This paper contributes to the body of knowledge through its literature discussions on the efficiency of both Islamic and conventional banks and the effect of banks' specific characteristics on their efficiency.