عوامل الربحية الداخلية في المصارف الاسلامية بالمملكة العربية السعودية باستخدام نموذج الانحدار الذاتي للإبطاء الموزع Ardl

Abstract

This paper discusses the internal factors affecting the profitability of Islamic banks in the Kingdom of Saudi Arabia during the period 2004-2019. To analyze the data collected from four Islamic banks (Al-Rajhi, Al-Bilad, AlJazira, and Al-Inma), the ARDL autoregressive distributed delay model was used in order to understand those factors affecting the profitability of Islamic banking in the Kingdom of Saudi Arabia. Profitability factors in the Islamic banks under study were determined, such as total liquid assets, capital adequacy ratio, rate of return on investment, and their impact on profitability. The result of this study showed that the total liquid assets and the rate of return on investment are positively related to profitability in Islamic banks in the long term, while the short-term estimate shows that the capital adequacy ratio and the liquid assets variables have a significant positive impact on the return on assets index.