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All Journal Journal of Management and Islamic Finance Journal of Finance and Islamic Banking
Sali, Najeeb Razul
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Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Islamic Banking in the Philippines: Financial Performance During the Covid-19 Pandemic Sali, Najeeb Razul
Journal of Finance and Islamic Banking Vol. 6 No. 2 (2023)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v6i2.5133

Abstract

This study investigates the impact of the Covid-19 pandemic on the financial performance of the Al-Amanah Islamic Investment Bank of the Philippines (AAIIBP), the country’s first and only Islamic bank. The research focuses on several key financial indicators, including Capital Adequacy Ratio (CAR), Return on Assets (ROA), Return on Equity (ROE), and the performance of both Islamic and conventional deposits. Using quarterly data from the first quarter of 2019 to the fourth quarter of 2020, this study applies a significant difference test to compare the financial performance before and during the pandemic. The findings reveal that while the total assets and conventional deposits of the bank decreased during the pandemic, Islamic deposits saw a significant increase. Additionally, the Return on Deposits (ROD) and net income showed positive growth, while the CAR experienced a significant decline. These results suggest that, despite the global economic crisis, AAIIBP demonstrated resilience, particularly in its Islamic banking operations. The study provides insights into the unique stability of Islamic banks in a non-Muslim country during economic turmoil, offering valuable information for policymakers and financial institutions in strengthening Islamic banking practices.
THE EFFECT OF ECONOMIC GROWTH ON ISLAMIC BANKING PROFITABILITY IN THE PHILIPPINES Ibnohajad, Al-Ameen; Kawasan, Gary; Sali, Najeeb Razul
Journal of Management and Islamic Finance Vol. 5 No. 1 (2025): Journal of Management and Islamic Finance
Publisher : UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jmif.v5i1.12267

Abstract

This paper investigated the economic history of Islamic banks in the Philippines, particularly the effect of the economy on its profitability. Net income of the Islamic bank was used as proxy for the bank’s profitability while GDP per capita and inflation rate in the country were used as proxy to represent the economy. Each variable was composed of 68 data points starting from first quarter of 2002 to the fourth quarter of 2019. Using Vector Error Correction Model (VECM) it finds that there is no long-run relationship running from the economy to Islamic banking profitability. The short-run test revealed that there was enough evidence to show that both GDP per capita and inflation, statistically significantly affected the financial growth of the net income of Islamic banking in the Philippines. This study concluded that Islamic banking profitability is not only determined by its internal operations, but external economic factors also affected the Islamic bank in the country.
Co-Authors Ibnohajad, Al-Ameen Kawasan, Gary