Agency theory predicts that the separation of ownership from control may lead to incentive problems. When equity ownership is widely distributed, shareholders have less economic incentive to monitor management and to closely oversee the affairs of the firm. In contrast, when the…
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Depository institutions play an important role in today's economic activities. Debt contracts are the most commonly used tools of those institutions. This dissertation affirms that debt contracts are risky for economic stability, especially when the overall indebtedness that cou…
A healthy and vibrant economy depends on a safe payment system and the efficiency of the financial institutions in channeling funds from savers to those who need capital to invest. Many scholars have criticized the founding of Western financial institutions in Muslim countries b…
Ethical decisions related to development and use of information systems (I.S.) are subject to several factors. Research shows that legal codes, corporate policies, and professional codes of conduct are among the main factors that influence individuals' courses of action. However…
Saudi society has undergone a technological, economical, and social revolution driven by the development and use of computers in the work environment. Saudi Arabia was the largest market place for computers in the Middle East during the eighties, however, importing such a large …
There are two schools of thought on the role of finance in the process of economic development: the financial structuralist and the financial repressionist hypotheses. The financial structuralists favor the spread of financial institutions and greater diversification in financia…
This study tests empirically contracting theory in financial market. The model is based on Krasa and Villamil model (1992) which is modified to let each investor has k units of endowment, each bank has equity B, and monitoring cost depends on project size. In this model loan siz…
The thesis examines the current legislative framework for regulating banking business in both Canada and Nigeria with a view to determining their adequacy to contain the incidence of bank insolvencies. It reviews the historical justification for introducing specific statutes to …
This is the first-known study conducted in the United States on the determinants of the intended use of Islamic banking and financial services by U.S. Muslims. An extended Theory of Planned Behavior (TPB) model was tested, using structural equation modeling (SEM). The hypothesiz…
The regional coordination toward financial integration of the ASEAN economies started in the aftermath of the 1997 Asian crisis. Along with banking structural reforms in individual countries, several regional financial integration initiatives were launched to promote regional fi…
The purpose of the quantitative descriptive correlation study was to understand whether leaders of financial institutions considered operational risks when making decisions. A 6-point Likert scale questionnaire surveyed 30 leaders from 30 publicly held Small, Midsize, and Large …
The growth of microfinance over the past two decades has been nothing short of astounding. Fueled by a mixture of good intentions and the potential to earn profit the industry quickly became the development world's new silver bullet to end poverty as many microfinance institutio…
This phenomenological study explored the lived experiences of Information Technology (IT) and business managers in the oil/gas and IT/telecoms companies in Nigeria to better understand how they maximize returns from IT investments. The resource-based view theory was used to conc…
The main goal set for this work is to investigate and analyze the Islamic financial and banking market in the USA, specifically its development, evolution, and perspectives and to find out whether the USA is an attractive financial market to offer Shariah compliant products and …
During financial crises, the profitability of businesses often tends to be eroded. Managements, therefore, aim to minimize inefficiencies in the operations of their business organizations. This study analyzes operating and profit efficiency of 24 leading commercial banks from fi…
This dissertation includes three essays in microfinance. Using primary data from Bangladesh, the first essay examines the role of bank-borrower relationships in the application and approval of microcredit. The empirical findings suggest that the likelihood of applying, and being…
Intellectual capital can generate value to organizations and improve the performance of the organizations. To understand the relationship between intellectual capital and the performance of organizations, a quantitative correlational study was conducted to analyze the relationsh…
The purpose of this quantitative nonexperimental study, grounded in conventional economic efficiency theory, was to compare the change in efficiency of different banks, specifically Islamic and Western, that occurred during the 2007 to 2009 economic downturn, using 2006 as basel…
In the first chapter, I analyze the effect of various risks faced by commercial banks on the executive compensation in banking industry. Executives in any industry are, on average, risk averse if their compensation is not tied to the long term performance of the firm. Commercial…