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Bank credit in uncertain times: Islamic vs. conventional banks

Abstract : This paper explores whether the impact of economic uncertainty on credit growth differs for Islamic vs. conventional banks. Using a sample of 416 banks (58 Islamic and 358 conventional) in 12 countries, the findings indicate that an increase in economic uncertainty significantly decreases the credit growth of conventional banks but does not have any significant impact on Islamic banks' credit growth. Our results are robust to alternative specifications and addressing endogeneity concerns using GMM estimators. We further observe that our findings are stronger for the following countries: (1) countries with explicit deposit insurance protection system for Islamic banks, (2) lower foreign dominance, and (3) countries with a higher share of deposits and assets in Islamic banks.
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Article dans une revue
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https://hal-unilim.archives-ouvertes.fr/hal-02624554
Contributeur : Thierno Barry <>
Soumis le : mardi 26 mai 2020 - 12:01:49
Dernière modification le : mercredi 27 mai 2020 - 04:06:10

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  • HAL Id : hal-02624554, version 1

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Huseyin Mehmet Bilgin, Gamze Danisman, Ender Demir, Amine Tarazi. Bank credit in uncertain times: Islamic vs. conventional banks. Finance Research Letters, Elsevier, In press. ⟨hal-02624554⟩

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