أثر ادارة المخاطر على ربحية البنوك الاسلامية في قطاع غزة

الملخص EN

The statement of the study limited on answer the major question: what the impact of risk management at profitability of Islamic banks, also the study aimed at clarifying the impact of risk management on the profitability of Islamic banks.

To achieve the objectives, the descriptive analytical method was used.

The study population consisted of (244) employees.

The study sample consisted of (40) employees and employees, and applied a questionnaire consisting of (35) paragraphs.

The researcher used (SPSS) program to analysis data with many methods: One Sample T test, Independent Sample T test, One Way ANOVAs, and Liner Regression.

The results of the study were as follows: The risk management level in Islamic banks was high, with the relative weight of risk management at 71.

92%.

Market risk management ranked first (72.

50%) followed by credit risk management (72.

12% ), And finally the field of operating risk management (71.

14%).

The profitability of Islamic banks in the Gaza Strip was also high (70.

48%).

The results of the hypothesis test showed that there is a statistically significant relationship between risk management and profitability of Islamic banks.

A relationship was also found between the management of credit risk and profitability of Islamic banks and the relationship between market risk management and profitability of Islamic banks.

In light of the findings of the study, a number of recommendations were reached, the most important of which was the follow-up of clients benefiting from credit, that the financing goes for credit purposes, and advising and guidance to customers in order to raise awareness and rationalize the use of the necessary funds periodically, and to disclose financial reports on profitability rates transparently and objectively, And disclosure of revenue sources in precise, understandable and comparable ways.