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This Author published in this journals
All Journal Edukasi Islami: Jurnal Pendidikan Islam Journal of Islamic Monetary Economics and Finance Journal of Islamic Economics and Finance Studies Millah: Journal of Religious Studies Islamic Economics Journal
Saim Kayadibi, Saim
Intenational Islamic University of Malaysia
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences

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Journal : islamic economics journal

 1 
The Dynamics Shaping Profitability in the Turkish Banking Sector: An Empirical Assessment Aliyeva, Lale; Kayadibi, Saim
Islamic Economics Journal Vol. 11 No. 02 (2025): Islamic Economics Journal
Publisher : Faculty of Economics and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v11i02.22

Abstract

This study empirically examines the key determinants of bank profitability in the Turkish banking sector from 2001 to 2023. Recognizing the sector’s pivotal role in macroeconomic stability and financial intermediation, the analysis employs second-generation panel econometric techniques to explore both the long-run and short-run dynamics influencing profitability. Drawing on a comprehensive dataset covering 25 banks, the study utilizes return on assets (ROA) as the dependent variable. It considers capital adequacy, deposit-to-asset ratio, loan-toasset ratio, and non-interest income as core explanatory variables. The findings reveal robust and statistically significant long-run relationships between all explanatory variables and bank profitability. Capital adequacy emerges as the most influential determinant, underscoring the strategic importance of robust capitalization in ensuring resilience and sustained performance. In the short term, while non-interest income continues to exert a positive impact, deposit mobilization exhibits a temporary adverse effect reflecting the complexities of funding costs in Türkiye’s inflationary environment. The use of both Pooled Mean Group (PMG) estimation and Fully Modified OLS (FMOLS) enhances the credibility and robustness of the results. These findings underscore the importance of maintaining strong capital buffers, managing deposit structures effectively, supporting sustainable credit growth, and fostering income diversification through digital and non-traditional banking services. The study provides valuable insights for bank managers, regulators, and policymakers seeking to enhance the profitability and resilience of the Turkish banking system in the face of evolving macroeconomic and structural challenges.
Integrating Mawarith in Islamic Social Finance to Advance Economic Growth (SDG 8) and Responsible Consumption (SDG 12) Puspitasari, Indah; Muhammad, Atha Mahdi; Kayadibi, Saim
Islamic Economics Journal Vol. 11 No. 02 (2025): Islamic Economics Journal
Publisher : Faculty of Economics and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v11i02.24

Abstract

Islamic inheritance law (mawarith) provides a crucial mechanism for ensuring justice and equity in the distribution of wealth among Muslim families. Beyond its personal scope, mawarith holds significant socio-economic potential when linked with Islamic social finance. Drawing on the Islamic moral economy perspective particularly the maqāṣid principle of hifz al-māl, this study examines how utilizing inherited wealth productively, by integrating it with instruments like waqf, zakat, sadaqah, and hibah, can contribute to enhancing inclusive economic growth (SDG 8) and supporting responsible consumption (SDG 12). Using a qualitative method based on analysis of Islamic legal texts and inheritance practices, the study develops a conceptual explanation showing how mawarith ensures fair distribution, reduces the likelihood of disputes, and opens pathways for economic justice and asset sustainability. When integrated with Islamic social finance tools, mawarith has the potential to unlock dormant capital, strengthen community resilience, and encourage locally grounded economic activity. Furthermore, these mechanisms naturally help mawarith advance the achievement of SDG 8 and SDG 12, supporting inclusive growth, circular prosperity, and intergenerational equity. The paper therefore recommends raising awareness of the economic potentials of mawarith and incorporating mawarith into national development policies to realize its full potential. Mawarith linked to Islamic principles on global development goals can be a powerful tool for achieving economic inclusivity and sustainability
Co-Authors Aliyeva, Lale Ariffin, Muhammad Irwan Gürler, Safiye Sena Baytan Harun, Muhammad Safwan INDAH PUSPITASARI Lokman, Md Azzaat Ahsanie Mohamad Nadzli, Nurin Sofiya Mohd Noor, Muaz Muhammad Shulthoni Muhammad, Atha Mahdi Nashr Akbar, Nashr Nur Arifin Saad, Norma Md Suyurno, S Salahudin