Comparative empirical analysis on the effect of mortgage loan on capital adequacy ratio / Yusuf Dinç
Capital adequacy ratio is the main indicator for banks to proceed with their operations. Standards for the calculation of the ratio are based on Basel Accord. Key factor for the calculation is credit risk. Credit risk is a function of credit and collateral type. In this case, mortgage has lower risk...
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| Format: | Article |
| Language: | English |
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Universiti Teknologi MARA Selangor
2017
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| Online Access: | https://ir.uitm.edu.my/id/eprint/32232/ |
| _version_ | 1848807970281881600 |
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| author | Dinç, Yusuf |
| author_facet | Dinç, Yusuf |
| author_sort | Dinç, Yusuf |
| building | UiTM Institutional Repository |
| collection | Online Access |
| description | Capital adequacy ratio is the main indicator for banks to proceed with their operations. Standards for the calculation of the ratio are based on Basel Accord. Key factor for the calculation is credit risk. Credit risk is a function of credit and collateral type. In this case, mortgage has lower risk weight based on its collateral structure on credit risk. This research evaluates the effects of mortgages on capital adequacy ratio to understand the effects of collateral based credits. The findings show positive results between capital adequacy ratio and mortgages of participation banks.
However, mortgages have negative impact on capital adequacy ratio of conventional banks. Participation and conventional banks of Turkey are compared on linear regression to analyse the effects of mortgages on capital adequacy ratio. Results are important for further research and professionals. |
| first_indexed | 2025-11-14T22:51:17Z |
| format | Article |
| id | uitm-32232 |
| institution | Universiti Teknologi MARA |
| institution_category | Local University |
| language | English |
| last_indexed | 2025-11-14T22:51:17Z |
| publishDate | 2017 |
| publisher | Universiti Teknologi MARA Selangor |
| recordtype | eprints |
| repository_type | Digital Repository |
| spelling | uitm-322322020-07-14T04:54:16Z https://ir.uitm.edu.my/id/eprint/32232/ Comparative empirical analysis on the effect of mortgage loan on capital adequacy ratio / Yusuf Dinç jeeir Dinç, Yusuf Investment, capital formation, speculation Stock exchanges. Insider trading in securities Capital adequacy ratio is the main indicator for banks to proceed with their operations. Standards for the calculation of the ratio are based on Basel Accord. Key factor for the calculation is credit risk. Credit risk is a function of credit and collateral type. In this case, mortgage has lower risk weight based on its collateral structure on credit risk. This research evaluates the effects of mortgages on capital adequacy ratio to understand the effects of collateral based credits. The findings show positive results between capital adequacy ratio and mortgages of participation banks. However, mortgages have negative impact on capital adequacy ratio of conventional banks. Participation and conventional banks of Turkey are compared on linear regression to analyse the effects of mortgages on capital adequacy ratio. Results are important for further research and professionals. Universiti Teknologi MARA Selangor 2017-09 Article PeerReviewed text en https://ir.uitm.edu.my/id/eprint/32232/1/AJ_YUSUF%20DINC%20JEEIR%20B%2017.pdf Dinç, Yusuf (2017) Comparative empirical analysis on the effect of mortgage loan on capital adequacy ratio / Yusuf Dinç. (2017) Journal of Emerging Economies and Islamic Research (JEEIR) <https://ir.uitm.edu.my/view/publication/Journal_of_Emerging_Economies_and_Islamic_Research_=28JEEIR=29.html>, 5 (3). pp. 1-15. ISSN 2289-2559 https://journal.uitm.edu.my/ojs/index.php/JEEIR/ |
| spellingShingle | Investment, capital formation, speculation Stock exchanges. Insider trading in securities Dinç, Yusuf Comparative empirical analysis on the effect of mortgage loan on capital adequacy ratio / Yusuf Dinç |
| title | Comparative empirical analysis on the effect of mortgage loan on capital adequacy ratio / Yusuf Dinç |
| title_full | Comparative empirical analysis on the effect of mortgage loan on capital adequacy ratio / Yusuf Dinç |
| title_fullStr | Comparative empirical analysis on the effect of mortgage loan on capital adequacy ratio / Yusuf Dinç |
| title_full_unstemmed | Comparative empirical analysis on the effect of mortgage loan on capital adequacy ratio / Yusuf Dinç |
| title_short | Comparative empirical analysis on the effect of mortgage loan on capital adequacy ratio / Yusuf Dinç |
| title_sort | comparative empirical analysis on the effect of mortgage loan on capital adequacy ratio / yusuf dinç |
| topic | Investment, capital formation, speculation Stock exchanges. Insider trading in securities |
| url | https://ir.uitm.edu.my/id/eprint/32232/ https://ir.uitm.edu.my/id/eprint/32232/ |