نموذج مقترح لقياس مخاطر الائتمان في المصارف الإسلامية

الملخص EN

Islamic banks emerged five decades ago to meet the needs of a large group of depositors and investors who wish to deal with banks while adhering to the teachings of Islamic law.

Despite their recent history and little experience in comaprison to other types of banks, they experienced huge growth throughout the Arab and Islamic worlds, as well as internationally.

There is almost no country in the world without an Islamic bank, or a traditional bank with a window offering services in accordance with Islamic law.

Risk is an integral part of business banking in general, and it is part of the Islamic business banking as well.

Banks are generally exposed to a large number of diverse risks, including financial and non-financial ones.

One of the most important risks to banks in general, whether traditional or Islamic, is the risk due to its direct correlation with the bank's profitability and liquidity.

Therefore, it is necessary to look at the credit risk in Islamic banks in terms of identifying these risks and how to measure them.

At the end, the author proposes a model for measuring credit risk in Islamic banks working in Jordan.