Isa, Mohamad Yazid and Ishak, Muhammad Arif Fadilah and Abd Aziz, Noriza and Tapa, Afiruddin (2018) The Impact of Housing Loan/Financing on Malaysian Bank Risk Performances. The Journal of Social Sciences Research, 6 (6). pp. 140-144. ISSN 2413-6670

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Abstract

This study investigates the impact of housing loan/financing on bank risk performances in Malaysia. The data is collected from 12 commercial banks and 12 Islamic banks in Malaysia within the period of 2002-2016. Nonperforming loan (NPL) and loan loss provision (LLP) are used as proxies for bank risk and they are regressed with housing loan/financing, expenses, total loan, income, gross domestic product and inflation. The results from Random and Fixed Effect models show that housing loan/financing has significant impact on the NPL and the LLP of commercial banks and Islamic banks. The results also show that even though commercial banks seem to dominate housing loan/financing market, but Islamic banks are capable to compete with commercial bank in this specific type of financing

Item Type:	Article
Uncontrolled Keywords:	Commercial bank; Islamic bank; House financing; Risk
Subjects:	H Social Sciences > HB Economic Theory
Divisions:	Islamic Business School
Depositing User:	Mdm. Sarkina Mat Saad @ Shaari
Date Deposited:	11 Oct 2024 17:58
Last Modified:	11 Oct 2024 17:58
URI:	https://repo.uum.edu.my/id/eprint/31375

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