تقييم كفاءة البنوك الإسلامية في دول الشرق الأوسط وشمال أفريقيا (MENA) باستخدام أسلوب مغلف البيانات (DEA)

ashraf lotfi elsayed

Abstract


نظرا للدور المتزايد للبنوك الإسلامية في دعم اقتصاديات الدول الحاضنة له من خلال التأثير على التنمية المالية؛ حيث يعمل النظام البنكي الكفء على زيادة الدخل القومي والثروة، وبالتالي يكون قادرا على تشجيع المودعين لعمل المزيد من الودائع وتشجيع التقدم النقدي، كان لابد من دراستها عن كثب مع التقييم المستمر لأدائها.

وبالتالي فإن هذه الدراسة تهدف إلى التحقق من وجود كفاءة التكلفة (الكفاءة الاقتصادية) بين البنوك الإسلامية في عدد من دول الشرق الأوسط وشمال افريقيا (التي يتواجد بها بنوك إسلامية) خلال الفترة 2005-2010 باستخدام أسلوب مغلف البيانات (DEA) على عينة من البنوك الإسلامية والتي يصل عددها إلى 14 بنك اسلامي. وقد أظهرت النتائج انخفاضا نسبيا لرتب كفاءة التكلفة (الكفاءة الاقتصادية) للدول محل الدراسة. كما أظهر تحليل كفاءة التكلفة إلى مكوناتها الكفاءة الفنية والكفاءة التوزيعية إلى أن الكفاءة الفنية هي السبب الرئيسي لانخفاض كفاءة التكلفة للبنوك الإسلامية. 


Keywords


البنوك الإسلامية؛ كفاءة التكلفة؛ مغلف البيانات؛ معدل النمو المركب

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