The financial impact of deposit interest rates in Iranian Islamic banks: A dependency on the conventional banking system | ||
| International Journal of Nonlinear Analysis and Applications | ||
| مقاله 12، دوره 17، شماره 5، مرداد 2026، صفحه 141-153 اصل مقاله (366.4 K) | ||
| نوع مقاله: Research Paper | ||
| شناسه دیجیتال (DOI): 10.22075/ijnaa.2025.36375.5364 | ||
| نویسندگان | ||
| Raza Tehrani؛ Fatemeh Zandi* ؛ Mohammad Khezri؛ Mahnaz Rabiei | ||
| Department of Economics, South Tehran Branch, Islamic Azad University, Tehran, Iran | ||
| چکیده | ||
| The foundation of Islamic banking lies in profit-sharing, the specification of resource utilization paths, and the supervision of banking operations. Unlike conventional banking, in Islamic banking, depositors' funds are invested according to Sharia-compliant legal frameworks and specific contractual agreements. This study evaluates and compares the financial performance and dependency of deposit interest rates between Islamic banks in Iran and the conventional banking system. Considering the ex-post nature of the research topic, past data (spanning from March 21, 2009, to July 21, 2024) were analyzed using the nonlinear autoregressive distributed lag (NARDL) approach. All analyses were conducted using EViews software version 13. The results indicate that the overnight policy rate, linked to the central bank’s interest rate, serves as a statistically significant determinant, both positively and negatively, for the Islamic money market rate in the short and long term. Furthermore, this study examines maturity-aligned rates and evaluates the significant positive and negative impacts of fixed deposit rates in conventional banks on investment rates in Islamic banks over both short and long horizons. The Islamic money market rate, used as a proxy for monetary policy rates, has a statistically significant positive and negative influence on Islamic bank deposit rates in the short and long term. | ||
| کلیدواژهها | ||
| financial performance؛ deposit interest rate dependency؛ Islamic banks؛ conventional banks | ||
| مراجع | ||
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