Determinants of growth of Islamic Retail Bank in Pakistan

Shahid Mohammad Khan Ghauri, Kashif Javaid, Dr. Muhammad Ramzan

Abstract


 

Purpose:  to explore the determinants of growth of Islamic retail banking in Pakistan, and is tested in Pakistan.

Design/methodology/approach: The quantitative methodology is adopted for completion of this paper, through three-fold approach. In first method, growth of Islamic banks is compared with conventional banks through financial statements key statistics for a period of recent three (3) years; in second method an instrument is used through customers of Islamic retail banks and their perspective is assessed; and in third methodology, another instrument is used through bankers of Islamic retail banks.

Findings:Our findings include good bank spread, customers’ perspective of good returns on deposits and better services, part from religious cause of trend for Islamic retail bank; banks’ perspective of better Islamic alternate to retail banking needs.

Research limitations/implications: Study is conducted in Pakistan only. It may expand by including more variables into research.

Practical implications: Practical implication of this paper may relate to the policy makers in Islamic banks for development of products as per customer needs and demands.

Originality/value: To devise better policy related to growth and expansion of Islamic banking in emerging economy.


Keywords


Islamic banks; Retail banks; Bank spread

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DOI: http://dx.doi.org/10.18533/ijbsr.v2i7.121

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International journal of business and social research (Print)
ISSN 2164-2540

International journal of business and social research (Online)
ISSN 2164-2559

[International Journal of Business and Social Research (IJBSR) previously published by MIR Center for Socio-Economic Research, MD, USA. From February 2018 this journal is published by the LAR Center Press, OR, USA]