Stochastic Frontier Model for Cost and Profit Efficiency ofIslamic Online Banks
Why this work is in the frame
A frame that forgets how it found something cannot be audited. These are the routes that admitted this work.
Bibliographic record
Abstract
Are Islamic online banks stable and efficient? This paper addresses this question. Parametric technique, Stochastic Frontier Analysis is used to evaluate and compare the cost and profit efficiency of the Islamic banks in Bangladesh over the period of 2001- 2010. The specification of functional forms of Translog stochastic cost and profit frontier models are developed. Translog stochastic cost and profit frontier models were found preferable than Cobb-Douglas production function. In case of cost model, other earning assets are found negative but significant and price of labor is observed positive and significant. On the other hand, price of fund with the value of (-0.421) is found significant and negative for profit model, suggest that bank can control more personnel expenses than depositor profit expenses. The year-wise average cost inefficiency and profit efficiency were observed 43.9% and 82% respectively. IBBL was recorded as the most profit efficient bank and ICB limited bank was observed as the most cost inefficient bank. IBBL, Al-Arafah and EXIM banks were more stable in terms of cost efficient than other Islamic banks.
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Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.006 | 0.002 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.000 | 0.000 |
| Science and technology studies | 0.000 | 0.000 |
| Scholarly communication | 0.000 | 0.000 |
| Open science | 0.001 | 0.000 |
| Research integrity | 0.000 | 0.000 |
| Insufficient payload (model declined to judge) | 0.000 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from it