Saudi Cultural Missions Theses & Dissertations
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Item Restricted The Impact of Microeconomic Factors on Banks' Stability and Profitability in the Middle East: Islamic Banks vs. Conventional Banks(Durham University, 2024-09-13) Trabulsi, Ahmed Abdullah A; Ebrahim, Muhammed SThis study investigates the impact of macroeconomic factors, specifically interest rates and GDP growth, on the profitability of Islamic and conventional banks in the Middle East. Using ARIMA/X and VAR models, the study reveals that Islamic banks exhibit lower sensitivity to interest rate fluctuations due to their reliance on profit-and-loss sharing mechanisms, while conventional banks show no significant profitability changes in response to interest rate movements. However, conventional banks are more responsive to GDP growth, benefiting from periods of economic expansion, while Islamic banks demonstrate more stability but are less responsive to short-term economic fluctuations. These findings offer valuable insights for policymakers and regulators, highlighting the need for differentiated regulatory frameworks to ensure the resilience of both banking models in dynamic economic environments.44 0Item Restricted A Comparative Analysis of Islamic and Commercial Banks in the MENA Region: Stability and Response during the COVID-19 Crisis(Saudi Digital Library, 2023-11-23) Alsuwaid, Razan Fayez M; Cave, JoshuaThis study investigates the resilience and performance of Islamic banks compared to commercial banks in the MENA region during the COVID-19 pandemic. Utilising panel data from 10 MENA countries from 2018 to 2022, the research employs regression analysis to discern the determinants influencing these banks' Return on Assets (ROA) and Return on Equity (ROE). The findings underscore the superior resilience of Islamic banks, particularly in terms of ROA, during this challenging period. Critical determinants of Islamic banks' profitability, such as credit risk, cost-to-income ratio, and liquidity, emerged as pivotal in shaping the performance of Islamic banks during the pandemic. The study reveals that Islamic banks' adherence to Shariah principles, especially risk-sharing, and their unique approach to credit management have been instrumental in navigating the challenges of the pandemic. The research contributes to the growing literature on Islamic banking resilience, offering valuable insights for policymakers, banking professionals, and academics.9 0Item Restricted Exploring the Influence of Culture on the Ability–Motivation– Opportunity Framework to Enhance Employee Performance: A Case Study of Performance in Islamic Banks of Saudi Arabia(Saudi Digital Library, 2023-11-09) Alharethi, Ali Saleh; Klikauer, ThomasCulture is a vital component of society, and it influences all people regardless of their status— poor, rich, working, or non-working. This study focuses on Hofstede’s cultural dimensions and employee ability, motivation, and opportunity (AMO). This thesis explores the influence of culture on the AMO framework in relation to how it can enhance employee performance. The two research questions concentrate on determining the influence of cultural dimensions on the AMO framework, and the second emphasises how culture and AMO can enhance employee performance. The research design uses a qualitative method approach. The research was exploratory, involving 35 semi-structured interviews with Islamic banking employees working in different positions. Their opinion was sought on whether cultural dimensions affect employee performance along with the collective effect of the AMO framework in Saudi Arabia’s Islamic banking sector. The analysis was performed in two stages to determine the desired results. At first, researcher conducted a self-assessment analysis of all recorded interviews and extracted themes and sub- themes from the recorded interviews. The self-assessment findings revealed that all of Hofstede’s cultural dimensions affected employee AMO. They also affected employee performance positively according to the cultural pattern of the country, such as collectivism/individualism, indulgence/restraint, short-term/long-term orientation, uncertainty avoidance, and femininity/masculinity. But there was no significant evidence for power distance. In the second analysis stage, thematic analysis was conducted by using NVivo-12 to confirm the results of the self-assessment analysis. Researcher applied the most suitable techniques, including a word tag cloud, codes compared by the numbers of coding references, items clustered by word similarity, and tree map analysis. Overall, the results confirmed that power distance had no influence on the overall performance of employees. Otherwise, all of Hofstede’s cultural dimensions positively affected the AMO framework and enhanced employee performance. The primary contribution arising from this study supports the claim that cultural dimensions are a useful theory to understand how employee AMO enhance performance. The second contribution relates to the changing cultural aspects of Saudi Arabia that negate the influence viii of power distance on employee performance. Only a handful of studies (e.g. Applebaum et al. 2000; Elbaz et al. 2018; Heriyanto et al. 2018; Hughes 2006; Obeidat et al. 2016; Van Waeyenberg & Decramer 2018) have examined the effect of cultural factors on employee performance in other cultural settings. However, none examine employee AMO in the context of Saudi Arabian Islamic culture and the Islamic banking sector. Therefore, the third theoretical contribution of this study is the provision of guidelines for future researchers who might be interested in conducting cultural research. Fourthly, the findings of this study suggest that self- assessment of the influence of AMO on employee performance should not just be limited to ability, motivation and opportunity. An accurate value for enhancing employee performance may only be realised if the influence on all levels of employees in the banking sector is also considered.43 0