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All Journal Economic Journal of Emerging Markets
Mohammad, Khalil Ullah
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Economics, Econometrics & Finance

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Deciphering the black-box of monetary policy transmission in South Asia Mohammad, Khalil Ullah; Khan, Mohsin Raza
Economic Journal of Emerging Markets Volume 16 Issue 1, 2024
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ejem.vol16.iss1.art5

Abstract

Purpose ─ This study aims to identify the role of the bank capital channel by investigating how monetary policy affects bank lending through its influence on bank equity capital in the transmission of monetary policy.Method ─ The panel vector autoregression (pVAR) is employed to investigate the complex relationship between monetary policy shocks, bank capital, and lending behavior. Results ─ The main findings are as follows: 1) The study finds evidence of both the bank lending and bank capital channels in South Asia. The analysis reveals a Granger causality between changes in bank capital position and policy rate adjustments, indicating a dynamic interplay between these variables. 2) The findings suggest that although the direct effects of capital position changes on bank lending appear negligible, a nuanced examination uncovers the moderating influence of capital position changes on the impact of policy rate fluctuations on lending behavior. 3) The study suggests that healthier banking systems weaken the bank lending channel in South Asia.Implication ─ The research sheds light on the mechanism involved in the interplay between monetary policy, bank capital, and lending, providing valuable insights for policymakers and future research directions.Originality ― This study seeks to fill a gap in the existing literature that offers limited evidence regarding the bank capital channel of monetary policy transmission mechanism, especially within the context of the South Asian region.
Bank-specific determinants of explicit deposit insurance adoption: A global analysis Mohammad, Khalil Ullah; Adnan, Noor Ul Haya; Kasheer, Muhammad; Ali, Madeeha
Economic Journal of Emerging Markets Volume 17 Issue 1, 2025
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ejem.vol17.iss1.art4

Abstract

Purpose — The adoption of explicit deposit insurance has increased significantly over the past two decades, yet there is limited evidence on how bank-specific factors influence this decision. This study addresses this gap by investigating the determinants of explicit deposit insurance adoption.Method — This study uses 25 years of unbalanced data from 107 countries and a probit model to identify the key factors influencing the adoption of the financial safety net. Findings — The analysis reveals that bank-specific factors significantly influence the decision to implement explicit deposit insurance. However, bank capitalization does not significantly impact the decision. Additionally, regulatory quality, economic growth, and financial crises are critical determinants of the adoption decision. The likelihood of adopting explicit deposit insurance also varies considerably across different income groups in countries. Implications — The study provides valuable insights for policymakers on the factors to consider when implementing this financial safety net.Originality — This study contributes to the existing literature by highlighting the previously overlooked role of bank-specific factors in adopting explicit deposit insurance.
Co-Authors Adnan, Noor Ul Haya Ali, Madeeha Kasheer, Muhammad Khan, Mohsin Raza