المخاطر الائتمانية و إدارتها في المؤسسات المالية و المصرفية الإسلامية : دراسة حالة بنك دبي الإسلامي

Abstract EN

This research paper aims to try to understand the work of Islamic banks and the development that they have known since their inception and adoption globally more and more, and to highlight the extent of their ability to achieve stability and financial balance through them through the characteristics that distinguish them from conventional banks, as well as identify the credit risks facing Islamic banks and the various methods that they use to manage their risks Credit is because the possibility of managing the latter in Islamic banks is limited, and the reason for this is their adherence to the provisions of Islamic Sharia in their financial transactions and the extent of their difference from other banks.

The policies, procedures, and methods adopted in decision-making, which in turn depend on a large degree of financial information and data in each bank.

The study found that Islamic banks were able to offer the Sharia alternative to a large group of savers, especially those who have a legitimate embarrassment in dealing with banks that depend on their transactions for usurious interests, as they focus in most of their financing on the formulas that are less risky by relying on the approved standards of international bodies and Islamic financial institutions