The paper examines the level of disclosure on Islamic banks’ performance in the United Arab Emirates (UAE). The data was collected through content analysis of annual reports and financial statements of all fully-fledged Islamic banks working in the UAE over the period 2009 to 2013. Return on Assets is used as a proxy for the performance of Islamic banks while disclosure index is used as a proxy for Islamic banks’ disclosure. Also, predetermined variables are used in the study like Size, Deposits, Non-Performing Investments and Capital to Risk Weighted Assets Ratio. Two-Stage Least-Square regression method is used to check the interdependence relationships between disclosure and performance of Islamic banks in the UAE. The results show a significant relationship between performance and disclosure in the UAE Islamic banks. Our regression results show that Islamic banks with higher levels of disclosure lead to higher operating performance. Furthermore, the performance has a great impact on the level of disclosure which means Islamic banks with high performance measures will disclose more information for investors and other institutions in order to reduce the cost of equity and increase their values in the market. This study is considered as a battery for further studies in the relationship between disclosure and financial performance of Islamic banks at a global level.

The study aims to explore key dimensions of service quality of E-Retailing of Islamic banks in the Kingdom of Saudi Arabia. The convenience sample size consists of 373 respondents who regularly use online Islamic banking facilities in Saudi Arabia was used. For measuring the consumers’ perspective, a four-factor E-SERVQUAL scale; namely efficiency, system availability, fulfillment, and privacy was used. Exploratory Factor Analysis and Confirmatory Factor Analysis are used to test the model fitness. Structural equation modelling is utilized to determine the impact of E-service quality dimensions on customers’ satisfaction. The results of the study reveal that 1) reliability as a dimension of E-retailing of Islamic banks made a significant impact on customers’ overall satisfaction; 2) there is a positive significant relationship between responsiveness and customers’ overall satisfaction. One unit increased in responsive leads to 0.763 unit increases in the overall satisfaction of the customer; and 3) ease of use is the most important dimensions of service quality of E-retailing of Islamic banks. One unit increases in Security/ Privacy leads to 0.473 unit increases in overall satisfaction. There is a positive impact of good E-service on customers’ satisfaction, but it does not override unsatisfactory performance in other areas.

Under the Act No. 21 of 2008, Islamic banks in Indonesia as an intermediary institution are obligated to manage the resources simultaneously, the financial funds as well as the social funds, e.g. zakah, infaq, and sadaqah. This study aims to investigate the productivity change of social funds and financial funds of Islamic Banks in Indonesia. Non-parametric tests of Malmquist Productivity Index (MPI) is applied to annual data from period 2012 to 2017, encompassing post-reform of banking authority from Bank Indonesia to The Financial Services Authority (OJK) at 2012. The samples are nine Islamic banks in Indonesia which were able to provide the data during observation period. The results indicate that social funds are more productive than financial funds and productivity change tends to trade off. The productivity of social funds is progressed by 8.2% while the financial funds is regressed by 5.4%. Overall, the productivity change of Islamic banks is influenced by technological aspect rather than the efficiency aspect. Besides, BRI Syariah is the best performer in managing financial funds while BCA Syariah as the best performer in social funds. It implies that the policymakers may strengthen the supervisory and coaching to increase the Islamic banks’ productivity in both activities.

The purpose of this study is to identify elements of job crafting impacts on work engagement and individual work performance in Vietnamese commercial banks. The research data, collected from 226 bank officers, uses the quantitative research tools as: Cronbach's Alpha Analysis, Explanatory Factor Analysis, Confirmatory Factor Analysis as well as Structural Equation Modeling. The results of the hypothesis test show that only two hypotheses (H2, H3) are accepted: the impact of cognitive crafting on work engagement of bank officers (H2) and the impact of work engagement on individual work performance (H3). However, three remaining relationships (H1, H4, H5) are not accepted in the study: the impact of relational crafting on work engagement of bank officers (H1), the impact of relational crafting on individual work performance of bank officers (H4) and the impact of cognitive crafting on individual work performance of bank officers (H5). The study results indicate that cognition on job crafting leaves positive impacts on work engagement, leading to individual work performance enhancement. On the other hand, the relational crafting element implies contribution on neither collective nor individual working performances. Furthermore, no direct effect of cognition on job crafting to individual performance has been identified.

The study aims to investigate factors influencing business households’ decision for borrowing credit: the case of commercial banks in Tra Vinh Province, VietNam. The study was conducted by collecting data from 300 business households traded at four commercial banks in Tra Vinh province (Viet Nam bank for agriculture and rural development, Tra Vinh Branch; Viet Nam jointstock commercial bank industry and trade, Tra Vinh Branch; Asia joinstock commercial bank, Tra Vinh Branch; Viet Nam jointstock commercial bank for foreign trade, Tra Vinh Branch). By the use of the Binary Logistic regression method, the research found out that the factors influencing to borrow credit of household business’s decision including: banks brand names, loan interest rates, service attitude, and loan procedures. Of those, the banks brand names and lending interest rates have the strongest impacts on borrow credit decision of business households at commercials banks in Tra Vinh province. Since then, the study has proposed solutions to improve access to credit of business households in commercial banks in Tra Vinh province in the coming time, such as: developing a bank brand; the development of flexible lending interest rate policies; improve service style of bank staff; at the same time, simplifying lending procedures.

Service quality has been a point of discussion from the decades as it is important for customer satisfaction, loyalty and retention. Various models have been proposed to measure the quality in the service sector. Models are modified in accordance with context and geography to assess the quality of service better. This study aims to investigate the impact of the modified e-SERVQUAL model on the customer perception about the existing relation and potential scope of doing business with a bank which in-turn will decide the performance of the bank. Statistical data was analyzed through various tests like reliability analysis, correlation and regression analysis using SPSS 25.0. The primary data of e-SQ and performance was gathered from 721 internet banking users using 32 item questionnaire, representing 72% response rates, of four selected Islamic banks of Malaysia. E-SERQUAL was modified by adding Shariah Compliance information about banks and products for Islamic banking customers. The finding specified that efficient & reliable services, fulfillment, security/trust, and Shariah compliance information have a significant association with the performance of Islamic banks. The research is original and its implications will be helpful for Islamic banks across the world to enhance the online experience of customers, which will help them to retain the customers in the rapid changing virtual environment.

The aim of this study was to determine the appropriate stockpiling methods for revegetation by comparing the germination status of seed banks before and after preservation for 2 years. Soil temperature in stockpiled topsoil was higher in open treatment and at 1.5 m, whereas soil water content was maintained at lower levels (14.06-19.08%), than those in the control group. The seed banks in stockpiled topsoil had 48 species and 1,559 individuals, among which perennials showed the highest number in terms of life forms, whereas Compositae and Gramineae were dominant in terms of families. Based on seed bank type, persistent seed banks had the highest number of species, while transient seed banks had the highest number of individuals. By stockpiling period, the number of species in the seed bank started to increase after 24 months, while the number of individuals began increasing after 12 months and exceeded that of the control group after 24 months. Regarding the treatment of stockpiling methods, the number of species and individuals in open treatment were closer to those of the control group. When analyzed by height, the number of species and individuals were higher at 0 m, but still lower than those of the control group. A multivariate analysis of variance (MANOVA ) showed that the optimal combination was obtained in open treatment and the number of individuals increased with the lengthening of the stockpiling period.

Banks play a crucial role in bringing stability and economic development through their expected contribution in proper financial resource mobilisation across the economy. Despite the importance, there is little focus in recent literature which provided the empirical evidence how the global financial crisis affect the bank efficiency in Bangladesh. Thus, this paper aims to examine the effect of the global financial crisis and other factors on the efficiency of Bangladesh commercial banks. By employing the Data Envelopment Analysis (DEA) method, we computed the technical efficiency of individual banks operating in the Bangladesh banking sector during 2000 to 2013. The empirical findings indicate that the Bangladesh banking sector has exhibited the highest efficiency level during 2001, while efficiency seems to be at the lowest level during 2010. The study finds that crisis along with bank size, capital adequacy ratio, return on average equity and real interest rate have a significant effect on bank efficiency in Bangladesh. In order to keep the sound financial development of Bangladesh, banks operating in the Bangladesh banking sector have to consider all the potential technologies which could improve their profit efficiency levels, since the main motive of banks is to maximise shareholders’ value or wealth through profit maximisation.

PurposeThemaingoalsofthisstudyare(1)tostudythe–informationsourcesusedthemostbycustomersofIslamicbanks;and(2)tocomparethiswithconventionalbankcustomers. Researchdesign,data,andmethodology125Islamicbank–customersand125conventionalbankcustomersweresurveyed.Thestudyemployedtwoindependentsampletests.Additionally,anexploratorystudywasconductedtosupportthequantitative analysis. ResultTheresultsshowthatIslamicbankcustomersuse–personalaswellasmarketinginformationsourcesmorein-tenselythanconventionalbankcustomers,althoughtheresultdifferenceswerenotsignificant.Specifically,customersofIslamicbanksusecertainpersonalresources(parentsandfriends)andmarketinginformation(marketers)intenselythancon-ventionalbankcustomers. ConclusionThestudyrevealedthatfriendsandparentsare–themostimportantinformationsourcesfortheselectionoftheIslamicbank.Inaddition,basedontheresourcesused,Islamicbankingcustomerscanbeclassifiedastraditionalandreligiouscommunities.Therefore,themosteffectivecustomercommunica-tionswillbethroughIslamicgroupssuchasIslamicsocialin-stitutionsandIslamiceducationalinstitutions.

Purpose – This paper aims to study the main selection criteria for Islamic banks in Indonesia, and to compare them with those for conventional banks. Research Design, Data, and Methodology – This study employs an exploratory approach and a natural experimental design with Factor Analysis and two independent sample tests as statistical analysis methods. A total of 363 questionnaires were distributed to three groups of bank customers–customers of Islamic and conventional banks individually, and those of both banks together (121 respondents in each group). Results – The research shows that service appears to be the most important factor in selecting Islamic banks, in addition to other emotional and rational factors. However, this service cannot be expressed as the Islamic banks' advantage compared to conventional banks, because the latter's customers also perceived service as the most important factor. The parametric mean of importance of service for both Islamic and conventional banks' customers is insignificantly different. Conclusion – Customers of both conventional and Islamic banks have a similar degree of importance for convenience, price, and service.

This paper aims to provide an overview of customer trust toward Islamic banks, and to study the effect of trust on the selection of Islamic banks services. A total 375 questionnaires were distributed to the three groups of bank customers, i.e. Islamic banks customers, conventional banks customers, and customers of both banks (125 respondents in each group). Trust is measured based on three constructs, namely Ability, Integrity, and Benevolence. To test the hypothesis this study employs Analysis of Variance and Tukey Test. The results show that bank customers have degree of trust towards Islamic banks relatively high enough, although among the respondents had never become customers of Islamic banks. Benevolence as the dimension with the lowest average score revealed the Islamic banks are more believed as a competent and honest bank in carrying out the business than the bank that will work for the benefit of customers. Other findings suggest that degree of trust have significant affects on the decision for using the Islamic banks services. The positive values that embedded in the concepts and systems of the Islamic is the key to improving the competitiveness of Islamic banks.

본 연구에서는 복렬사주의 모드를 객관적으로 판단할 수 있는 2중 퓨리에 해석을 수행하여 하폭의 변화에 따른 복렬사주의 발달 과정을 정량적으로 분석하였다. 초기에 직선하도에서 하안침식이 발생하고, 하폭 대 수심의 비가 증가하면서 복렬사주가 발달하였다. 사주가 하류로 이동하면서 성장하고, 사주의 주변에서 흐름이 분리되어 하안 침식을 가속시키면서, 지형이 지속적으로 변하여 유사의 유출특성에 영향을 주었다. 2중 Fourier 해석에 의한 하상파(wave)의 분포와 지배적인 성분의 변화를 분석한 결과, 초기에 1-1 모드(mode)인 교호사주가 지배적이지만, 시간이 지나면서 하폭이 증가하여 상대적으로 수심이 감소하면서 2-3 모드가 지배적인 것으로 나타났으며, 교호사주의 강한 비선형 특성이 상호작용하기 때문이다. 하안침식이 진행되면서 하폭 대 수심의 비가 증가하고, 무차원 소류력이 감소하였다. 하폭 대 수심의 비가 증가할수록 사주의 이동속도가 감소하고, 사주의 파장은 증가하였다. 무차원 소류력이 증가하면서, 사주의 이동속도는 증가하였다.

본 연구에서는 에너지 방정식에 기초하여 정수 식생이 존재하는 자연하도에 적용 가능한 1차원 수치모형을 제시하였다. 수위계산을 위한 마찰경사는 Darcy-Weisbach의 마찰식에 의해 계산되었다. 각 단면의 전체 Darcy-Weisbach 마찰계수는 하상조도높이, 식생, 식생구역과 비식생구역 사이의 전단저항, 그리고 홍수터와 주수로의 경계면 전단저항을 고려하여 산정하였다. 경계면 마찰계수는 Mertens방법과 Nuding방법에 의해 계산되었다. 제시된