Dear Professor Kantakji,
Thank you for your kind reply. I am trying to calculate the total expenses that the Islamic Banks incur in their operations in order to measure the efficiency utilization of the Islamic Banks. Of the dependent variables that I am using the total expenses as proxy to measure the efficiency or the inefficiency of the Islamic banks; the expenses that I am focusing on are salary, wages, office, and other related expense, including the loan loss provision for anticipated bad debt. If this is clear, my question is as follows: Is it possible that the Islamic Banks have almost 45% of their total assets tied up with the total expenses? Appreciate your kind input. Kind regards, From: [email protected] [mailto:[email protected]] On Behalf Of Dr. Samer Kantakji Sent: Tuesday, March 30, 2010 2:59 PM To: [email protected] Cc: [email protected] Subject: RE: {Kantakji Group}. Add '6915' Non-Interest Expense ratio in Islamic Banks cid:[email protected] ǡӡǣ ڡퟣ 摍㉠ǡ/span> Dear Sir, I did not understand your idea, what the meaning of the ratio which you calculate? For Sharia'h analysis we calculate the forbidden expenses and divide it on the total expenses, if the result is exceed 5% we say this company is not match the Islamic criteria. But if you divide non-interest expenses on the total assets, you will got a non-meaning ratio as I know. Islamic Banks must be an Islamic institutions, so the ratio which I mentioned must be zero. ᇠʤӠǡաlj ڡ젤ȭ ǡэ㉠懡Ϛǁ ǡՇ፠ᡣӡ㭤.. Prof. Samer Kantakji The Scandinavian University Chairman website: <http://www.e-su.no> www.e-su.no website: <http://www.kantakji.com/> www.kantakji.com email: <mailto:[email protected]> [email protected] Mobile: +963 944 273 000 Fax: +963 33 230 772 SKYPE: Kantakji From: [email protected] [mailto:[email protected]] On Behalf Of ImpossibleQ80007 Sent: Tuesday, March 30, 2010 7:30 PM To: [email protected] Subject: {Kantakji Group}. Add '6913' Non-Interest Expense ratio in Islamic Banks Importance: High Dear all, I am writing to share and to receive information on the right calculation that I should be implementing in order to get the right calculation for the non-interest expense ratio. My calculation of the non-interest expense consist of salary, wages, office, and other related expense, including the loan loss provision for anticipated bad debt. Once we have the total non-interest expense, we divide the number over the total assets. As per my calculations, there are many Islamic banks with which the non-interest expense ratio consists of approximately 45% of total assets. Is this a normal percentage for the Islamic Banks? Appreciate your kind thoughts and assistance with this matter. Kind regards, -- You received this message because you are subscribed to the Google Groups "Kantakji Group" group. To post to this group, send email to [email protected] To unsubscribe from this group لفټ/span> الاشتراټ/span> من المجموعة أرسل للعنوان التالي رسالة فارغؼ/span>, send email to [email protected] For more options, visit this group at <http://groups.google.com/group/kantakjigroup?hl=en> http://groups.google.com/group/kantakjigroup?hl=en سياسة النشر في المجموعؼ/span>: - ترټ/span> ما عارض أهل السنة والجماعؼ/span>. - الاټ/span>تفاء بأمور ذات علاقة بالاقتؼ/span>اد الإسلامي وعلومه ولو بالشيء البسيط. ويستثنى من هذا مايتعلق بالشأټ/span> العام على مستوى الأمة ټ/span>حدث غزة مثلؼ/span>. - عدم ذټ/span>ر ما يتعلق بشخؼ/span> طبيعي أو اعتباري بعينه. باستثناء الأمر العام الذي يهم عامة المسلميټ/span>. - تمرير بعض الأشياء الخفيفة المسلية ضمن قواعد الأدب وخاؼ/span>ة منها التي تأتي من أعضاء لا يشارټ/span>ون عادةؼ/span> والقؼ/span>د من ذلټ/span> تشجيعهم على التفاعل الإيجابي. - ترټ/span> المديح الشخؼ/span>ي. To unsubscribe from this group, send email to kantakjigroup+unsubscribegooglegroups.com or reply to this email with the words "REMOVE ME" as the subject. -- You received this message because you are subscribed to the Google Groups "Kantakji Group" group. To post to this group, send email to [email protected] To unsubscribe from this group ǡǔʑǟ 㤠ǡ㌣暉 Ñӡ ᡚ䦇䠇ኇ᭠ѓǡɠ݇ћɬ send email to [email protected] For more options, visit this group at http://groups.google.com/group/kantakjigroup?hl=en ӭǓɠǡ䔑 ݭ ǡ㌣暉: - ʑߠ㇠ڇі å᠇ᓤɠ懡̣ǚɮ - ǡǟʝǁ ȃ㦑 ЇʠڡǞɠȇᇞʕǏ ǡœᇣ�ڡ棥 桦 ȇᔭ`ǡȓ혮 歓ʋ䬠㤠吇 ʚហȇᔃ䠼br /> ǡڇ㠚ᬠ㓊欠ǡãɠߍϋ ےɠ㋡Ǯ - ڏ㠐ߑ ㇠튚ហȔΕ ؈횭 æ ǚʈǑ�ڭ䥮 ȇӊˤǁ ǡãѠǡڇ㠇ᐭ � ڇ㉠ǡ㓡㭤. - ʣѭѠȚ֠ǡÔ퇁 ǡΝ흉 ǡ㓡퉠֣䠞懚ϠǡÏȠ掇Չ 㤥Ǡǡʭ ʃʭ 㤠Úև`ᇠ픇џ椠ڇω 懡ޕϠ㤠Сߠʔ̭ڥ㠚ᬠǡʝǚ᠇ᅭ̇ȭ. - ʑߠǡ㏭͠ǡԎխ. To unsubscribe from this group, send email to kantakjigroup+unsubscribegooglegroups.com or reply to this email with the words "REMOVE ME" as the subject. -- You received this message because you are subscribed to the Google Groups "Kantakji Group" group. To post to this group, send email to [email protected] To unsubscribe from this group لفك الاشتراك من المجموعة أرسل للعنوان التالي رسالة فارغة, send email to [email protected] For more options, visit this group at http://groups.google.com/group/kantakjigroup?hl=en سياسة النشر في المجموعة: - ترك ما عارض أهل السنة والجماعة. - الاكتفاء بأمور ذات علاقة بالاقتصاد الإسلامي وعلومه ولو بالشيء البسيط. ويستثنى من هذا مايتعلق بالشأن العام على مستوى الأمة كحدث غزة مثلا. - عدم ذكر ما يتعلق بشخص طبيعي أو اعتباري بعينه. باستثناء الأمر العام الذي يهم عامة المسلمين. - تمرير بعض الأشياء الخفيفة المسلية ضمن قواعد الأدب وخاصة منها التي تأتي من أعضاء لا يشاركون عادة، والقصد من ذلك تشجيعهم على التفاعل الإيجابي. - ترك المديح الشخصي.
<<image001.jpg>>
