مخاطر الإئتمان في المصارف الإسلامية : دراسة حالة البنك العربي الإسلامي الدولي

الملخص EN

Islamic banks can face credit risks when the client expands his credit, he will be late on payment, will stop his payment, or will direct his funds to investments that will not achieve appropriate return.

However, Islamic banks follow methods and tools to minimize these risks, at the same time they cannot handle these risks as the conventional banks, which work to increase the cost of debt that lead to riba.

Islamic International Arab Bank one of Islamic banks in Jordan that faces such risks and takes appropriate ways to confront them.

The aim of this study is to measure the credit risks in this bank and the methods to deal with these risks.

The study found that the credit risks in Islamic International Arab Bank are high in 2009 and 2010 because of the high level of bad debts, where the bank cannot deal with the debt as conventional banks.