Akademik Veri Yönetim Sistemi
IV. International Conference on Real Estate Development and Management, Ankara, Türkiye, 3 - 05 Şubat 2025, ss.59, (Özet Bildiri)
This study examines Islamic banks' financing of real estate activities and construction projects. Housing affordability is becoming more challenging globally, and the role of Islamic finance through Islamic banks in easing the financing would make acquiring dwellings affordable, especially for low to medium-income earners. This study examined Islamic banks' financing provisions for real estate activities and construction projects from 11 Muslim-majority countries: Indonesia, Iraq, Jordan, Malaysia, Oman, Pakistan, Palestine, Qatar, Saudi Arabia, UAE, Sudan and Kazakhstan. This study obtained quarterly data that ranges from 2014Q1 to 2023Q4 was obtained from the IFSB. The study used the ARDL and panel analysis for country- and aggregate findings. The finding establishes that Islamic bank financing differs across different countries. Nonperforming financing was also analysed, which could be among the discouraging factors for Islamic banks from providing financing. The finding suggests that most Islamic banks need to increase their mode of financing provision and have a greater share in easing housing affordability in their various countries. The study also suggests that Islamic banks should use the client's credit ratings in providing financing, which could reinforce continuing checks and balances so that bank clients can use the funds for the right projects effectively.