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MOHD NOOR, Nor Halida Haziaton,BAKRI, Mohammed Hariri,WAN YUSOF, Wan Yusrol Rizal,MOHD NOOR, Nor Raihana Asmar,ABDULLAH, Hasni,MOHAMED, Zulkifli Korea Distribution Science Association 2020 The Journal of Asian Finance, Economics and Busine Vol.7 No.12
This study investigates the impact of the country's governance on the revenue efficiency of 108 Islamic banks from 26 countries offering Islamic banking and finance products services. The technical efficiencies of individual Islamic banks have been analyzed using the Data Envelopment Analysis method. The data will be pooled across the selected countries and utilize the intermediation approach. The Ordinary Least Square estimation method is employed to examine the impact of country supervision and regulation on the technical efficiency of Islamic banks. As robustness check, the study examines the impact of the level of bank regulations and supervision on the efficiency of Islamic banks operating in different income-level countries. The results found that the stricter the supervisory power, the less strict capital requirement, the tighter the restrictions on non-banking activities, and the stricter the private monitoring enhance statistically significantly the level of efficiency of Islamic banks. In upgrading the regulations and supervision of the Islamic banks, the existing regulatory framework based on the Basel Committee on Banking Supervision (BCBS) must be complemented with the prescriptions on Islamic banking or Shariah compliance diligently, so that the Islamic banks could be regulated accurately and further improve the technical efficiency of their operations.
MOHD NOOR, Nor Halida Haziaton,BAKRI, Mohammed Hariri,WAN YUSOF, Wan Yusrol Rizal,MOHD NOOR, Nor Raihana Asmar,ABDULLAH, Hasni Korea Distribution Science Association 2020 The Journal of Asian Finance, Economics and Busine Vol.7 No.12
This study investigates the impact of the country's governance on the revenue efficiency in the banking sectors of 42 Islamic banks in 15 countries offering Islamic banking and financial services. Technical efficiencies of individual Islamic banks were analyzed using the Data Envelopment Analysis method. The Ordinary Least Square estimation method is employed to examine the impact of country supervision and regulation on the technical efficiency of Islamic banks. With robustness check, the study assesses the impact of bank regulations and supervision on the efficiency of Islamic banks operating in different regions. The empirical findings suggest that supervisory power, activity restrictions, and private monitoring positively influence the efficiency of Islamic banks. On the other hand, we observe a negative impact of capital requirement on Middle East and North Africa (MENA) countries. The findings indicate that supervisory power, activity restrictions, and private monitoring positively influence the efficiency of Islamic banks in Asia, but vice versa on capital requirement in MENA countries. This study will contribute to the body of knowledge by assessing the types of reforms in bank regulations and supervision that work best for Islamic banks in order to increase the level of efficiency and the level of regulations and supervision of Islamic banks.
Mohd Noor Mohd Shariff,Jauriyah Shamsuddin,Mohd Nizam Abdul Kadir 대한산업공학회 2019 Industrial Engineeering & Management Systems Vol.18 No.3
Overcoming challenging circumstances in a dynamic environment requires markets to have superior performance compared to their rivals. In order to achieve superior performance, this study analyzed two strategic orientation variables which might influence a retail firm performance - market orientation (MO) and entrepreneurial orientation (EO). It also examined the effect of Volatile Environment (VE) as a moderator for both direct affiliations towards the performance. Quantitative data were gathered from the 152 owner-managers of retail firms within the scope of Small and medium-sized enterprises (SMEs) in Malaysia. Dataset were processed for validity and reliability using SPSS and the multivariate regression performed using Smart PLS software. Four hypotheses were postulated and tested through structural equation model evaluations. The results indicated VE strongly moderated the relationship between MO and firm performance (FP). However, there was no significant moderating effect on the relationship between EO and performance. For direct effect relationship, the results revealed that MO had positive significant influence on FP. In contrast, EO had no significant effect on the retail firm performance.
The Diagnosis of Diabetic Retinopathy: A Transfer Learning Approach
Farhan Nabil Mohd Noor,Anwar P.P. Abdul Majeed,Mohd Azraai Mod Razman,Ismail Mohd Khairuddin,Wan Hasbullah Mohd Isa 제어로봇시스템학회 2021 제어로봇시스템학회 국제학술대회 논문집 Vol.2021 No.10
Diabetic Retinopathy is one of the complications of diabetes mellitus that occurs to the eye. It damages the blood vessels, which cause the leaking of the blood and other fluids due to the elevated blood glucose level. Diabetic Retinopathy is a quiet ailment that patients may not discover until abnormalities in the retina have progressed to the point that medication is difficult or impossible. It can also result in patients losing their sight completely. However, an automated screening machine may help overcome this problem by helping the ophthalmologist diagnose diabetic retinopathy patients as soon as possible. Hence, this research investigates the effectiveness of automatic screening machine by employing the Transfer Learning model such as VGG16 to extract the features and fed them to the Support Vector Machine (SVM), k-Nearest Neighbour (kNN) and Random Forest (RF) for the classification. It was shown that the VGG16-SVM pipeline displayed the most promising performance on the classification of Diabetic Retinopathy.
The Impact of the Bank Regulation and Supervision on the Efficiency of Islamic Banks
Nor Halida Haziaton MOHD NOOR,Mohammed Hariri BAKRI,Wan Yusrol Rizal WAN YUSOF,Nor Raihana Asmar MOHD NOOR,Nurazilah ZAINAL 한국유통과학회 2020 The Journal of Asian Finance, Economics and Busine Vol.7 No.11
This study investigates the impact of bank regulation and supervision on the efficiency of banking sectors on 108 Islamic banks from 26 countries offering Islamic banking and finance products and services. The technical efficiencies of individual Islamic banks have been analyzed using the data envelopment analysis method (DEA). The ordinary least square estimation method is employed to examine the impact of country supervision and regulation on the technical efficiency of Islamic banks. The empirical findings suggest that supervisory power, activity restrictions and private monitoring positively influence the efficiency of Islamic banks. The study revealed that Islamic banks that are operating in Middle East and North Africa (MENA) and middle-income countries are more technically efficient given the less stringent rules on capital requirement and we found that there is statistically significant evidence that higher capital requirements are negatively associated with the efficiency of Islamic banks. The empirical findings of this study are expected to help policy-makers and government officials to better understand how their decisions affect the performance.