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All Journal Emerging Science Journal Shirkah: Journal of Economics and Business
Ahmed, Amanj Mohamed
Unknown Affiliation
Economics, Econometrics & Finance Environmental Science

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Consumer Behavior toward the Use of Credit Cards: The Empirical Evidence from Iraq Ahmed, Amanj Mohamed
Shirkah: Journal of Economics and Business Vol 5, No 1 (2020)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (655.082 KB) | DOI: 10.22515/shirkah.v5i1.303

Abstract

Credit card is a payment tool in the modern world and it is being called the plastic money. In Iraq and especially in Kurdistan region, the credit card utilization now is appealing to be more attractive. To address this issue, the present study sheds some light on the impact of credit cards on the consumer behavior and the benefits of credit cards for people of Kurdistan, Iraq. The data were obtained from 40 participants consisting of academicians in the related field, managers of banks, and credit card users by means of questionnaires. A range of variables that agreed to demographic information, such as level of education, gender, and income, were also considered. Drawing on chi-square and modeling analysis, the results portrayed a positive relationship between the costumer information and their behavior in using credit cards. The results of this study further suggest that since people in Kurdistan region of Iraq would like to apply credit cards in all aspects of life, the financial institutions should provide accessible information and valuable services. All in all, from this study it is implied that the “plastic money” makes a revolution in banking industry across the world and nowadays electronic banking becomes familiar to the world.
A Critical Review of the Market Efficiency Concept Mustafa, Karwan Hussein; Ahmed, Amanj Mohamed
Shirkah: Journal of Economics and Business Vol 5, No 2 (2020)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (629.983 KB) | DOI: 10.22515/shirkah.v5i2.326

Abstract

The market efficiency hypothesis has attracted a notable number of economists to conduct investigations in this field. It could be considered as an effective method of driving investors towards the right direction while trading in the security market. A large number of researches believe that the market is efficient in some of its forms, while others take a different view. Drawing on previous theoretical and empirical studies investigating market efficiency and its three forms, this paper critically examines the concept of market efficiency through a critical review from different points of views. Moreover, it highlights a number of empirical tests and their results with regard to the three forms of market efficiency. It also focuses on the influence of market efficiency on the security prices. This paper concludes that the market seems to be more efficient in regards to its weak form instead of the strong and semi- strong forms, as a result, it is difficult to predict future security prices and obtain abnormal profits by only analyzing historical records.
Role of Cost Efficiency, Capital Leverage, and Cost of Capital in Determining Shareholders' Value Hágen, István Zsombor; Ahmed, Amanj Mohamed
Emerging Science Journal Vol. 10 No. 1 (2026): February
Publisher : Ital Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28991/ESJ-2026-010-01-027

Abstract

The objective of this research is to explore the impact of cost efficiency, capital leverage, and cost of capital on shareholder value regarding the GCC, a dynamic and inventive economy. Data from 41 banks that were listed on the stock exchange from 2015 to 2023 were collected. The Refinitiv Eikon interface provided bank-level data to achieve the aim of this study. GLS with cross-sectional weight as a panel econometric method was applied. The findings display that cost efficiency has a significant impact on shareholder value in the GCC banking sector. Reduced operational expenses, increased asset utilization, and effective tax planning have a positive effect on shareholders' return. Although financing with debt has a minimal effect on GCC banks' productivity, it is nevertheless important for evaluating the market performance, with DMC possessing a negative effect and DTA holding a positive influence. Moreover, revenue generation and the value of shareholders are all continuously improved by an optimum cost of capital (WACC). The outcomes of this study enrich the current literature by proposing a combined framework for assessing cost efficiency, capital leverage, and cost of capital. It also fills the gap in earlier regional research by providing new perspectives for creating shareholder value in the GCC banking industry.
Co-Authors Hágen, István Zsombor Mustafa, Karwan Hussein