IDEAS home Printed from https://ideas.repec.org/p/hal/wpaper/hal-00996357.html
   My bibliography  Save this paper

La banque conventionnelle et la banque islamique avec fonds propres : contrat de dépôt et partage du risque de liquidité

Author

Listed:
  • Jean-Baptiste Desquilbet

    (EQUIPPE - Economie Quantitative, Intégration, Politiques Publiques et Econométrie - Université de Lille, Sciences et Technologies - Université de Lille, Sciences Humaines et Sociales - PRES Université Lille Nord de France - Université de Lille, Droit et Santé)

  • Fedi Kalai

    (EQUIPPE - Economie Quantitative, Intégration, Politiques Publiques et Econométrie - Université de Lille, Sciences et Technologies - Université de Lille, Sciences Humaines et Sociales - PRES Université Lille Nord de France - Université de Lille, Droit et Santé)

Abstract

We consider liquidity creation alternatively in an Islamic and a conventional banking system, a dapting the Dia mond and Dybvig (1983) model to take into account the specifics of Islamic deposit contracts : a contingent payment, a predetermined sharing ratio, guaranteed deposit amounts. We show that, at the equilibrium without runs, an Islamic banking system would offer deposit contracts that are less favourable to depositors, hold more liquid assets and have a lower equity to deposit ratio than a conventional banking system.

Suggested Citation

  • Jean-Baptiste Desquilbet & Fedi Kalai, 2013. "La banque conventionnelle et la banque islamique avec fonds propres : contrat de dépôt et partage du risque de liquidité," Working Papers hal-00996357, HAL.
    • Handle: RePEc:hal:wpaper:hal-00996357
    Note: View the original document on HAL open archive server: https://hal.univ-lille.fr/hal-00996357
    as

    Download full text from publisher

    File URL: https://hal.univ-lille.fr/hal-00996357/document
    Download Restriction: no
    ---><---

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:hal:wpaper:hal-00996357. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: CCSD (email available below). General contact details of provider: https://hal.archives-ouvertes.fr/ .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.