Are the determinants of credit facilities of Islamic Banks different from conventional commercial Banks? : an Omani perspective

الملخص EN

-This study aims to explore and understand whether the determinants of credit facilities are different in Islamic commercial banks as compared with conventional banks.

Seven groups of determinants of granting credit facilities are tested in both types of Omani banks.

The sample of the study comprises the credit managers of six conventional banks and six Islamic banks (including four Islamic windows) in Oman.

The findings of this study have indicated that no significant differences exist between Islamic and conventional banks regarding client-related, political, economic, guarantees and warranties, financial position, and banking credits system related determinants.

However, a significant difference exists regarding bank-related determinants.

The result of the factor analysis has indicated that the clients’ guarantees and warranties, bank-related determinants, economic conditions of the country, and the banking credits system have a higher priority as determinants of credit facilities in Omani banks.