Le Tu Dq, Ho Tin H, Nguyen Dat T, Ngo Thanh
University of Economics and Law, Ho Chi Minh City, 700000, Vietnam.
Vietnam National University, Ho Chi Minh City, 700000, Vietnam.
Heliyon. 2022 Mar 12;8(3):e09106. doi: 10.1016/j.heliyon.2022.e09106. eCollection 2022 Mar.
This study investigates the relationship between diversification and Islamic banking systems' performance under the impact of the COVID-19 turmoil using a sample of 24 countries from 2013Q4 and 2020Q4. The findings indicate that the performance of Islamic banking systems is positively associated with sectoral diversification of Shari'ah-compliant financing and income diversification. Although this study confirms a negative impact of the COVID-19 shock, income diversification is found to mitigate the adverse effect of this health crisis on the performance of the Islamic banking systems. In which, Sukuk investment is considered an essential channel for pursuing this diversification strategy. Therefore, this research has important implications for policymakers, managers, and academics.
本研究以2013年第四季度至2020年第四季度期间24个国家为样本，考察了在新冠疫情冲击下多元化与伊斯兰银行体系绩效之间的关系。研究结果表明，伊斯兰银行体系的绩效与符合伊斯兰教法的融资部门多元化和收入多元化呈正相关。尽管本研究证实了新冠疫情冲击的负面影响，但发现收入多元化可减轻这一健康危机对伊斯兰银行体系绩效的不利影响。其中，伊斯兰债券投资被视为推行这一多元化战略的重要渠道。因此，本研究对政策制定者、管理者和学者具有重要意义。
