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    Interest free banking in Ethiopia: Prospects and challenges
    (Politik Ekonomik ve Sosyal Araştırmalar Merkezi, 2020) Hailu, Suadiq Mehammed; Bushera, İbrahim
    Ethiopia has a substantial number of Muslims estimated more than 38 million. Ethiopia accommodated Islamic finance in its financial system through interest-free banking window in 2011 and Full-fledged interest-free banking by the end of 2019. This study aims to investigate the prospects and challenges of the newly adopted full-fledged interest-free banking system. For these purposes, several secondary data collected and analyzed descriptively. The result indicates that Islamic finance has a notable opportunity in Ethiopia. Unbanked huge customers, lofty demand, the profitability of IFB windows and the ability of under formation full-fledged interest-free banks to collect the minimum paid-up capital easily indicate the prospects. While negative perception toward Islamic finance, legal framework challenges like the exclusiveness of banking business activity, limitation on investment of banks, tax system and unavailability of controlling mechanism last but not least lack of experts and skilled resource are identified as the main impediments of the sector. Therefore, it is recommended to the government of Ethiopia to make accommodative adjustments on the legal frameworks to resolve the shortcomings and for educational institutions to provide programs, seminars, and training in the area of Islamic finance in order to produce experts that serve the sector.
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    Yayın
    Performance measurement of composite textile industries in Pakistan using data envelopment analysis
    (2018) Kuşakcı, Ali Osman; Jasmin, Mariam; Bushera, İbrahim; Yönetim Bilimleri Fakültesi, İşletme Bölümü
    This study aims at evaluating and measuring the relative technical efficiency of Pakistan’s textile industry vertically integrated composite firms using Data Envelopment Analysis under the assumption of variable returns to scale (VRS). The data used for this study is collected from the firm’s official website and the Karachi Stock Exchange. This output oriented study covers 29 firms for the period of 2014-2016 employing three homogeneous inputs and outputs. Current asset, production cost and administration cost of the firms are used as inputs elements, gross profit, and total sales and net income compromised the output constituent. In addition to evaluating technical efficiency, this paper examines variations among efficient and inefficient firms. Our findings indicate that, only 17% percent of the firms are scale efficient while 35% of the firms are technically efficient with a mean value of 0.731. Our analysis also indicates an average of 0.572 technical efficiency from constant returns to scale DEA, an average of 0.731 of technical efficiency from variable returns to scale DEA, and an average of 0.805 Scale efficiency. Accordingly, this study confirmed the existence of scale and technical efficiency difference between the firms of the same industry. Though the determinant and factors of efficiency difference among firms is not examined in this study, we recommend that inefficient firms need to enhance their scale size and perk up their managerial practices to enhance their overall efficiency.