ادارة المخاطر الائتمانية في المصارف الاسلامية أنواعها و تحليلها

Abstract EN

SummaryManaging and analyzing credit risk in Islamic banks and their types• The banking industry has made significant progress in the face of technological developments in communication, the globalization of the economy and the liberalization of financial markets.

This has led to increased competition among banking institutions and increased risks to their existence and sustainability.

• Credit risk is one of the natural secretions of banking and successful credit risk management means that the Islamic Bank is more efficient in managing investor funds and thus more able to achieve the developmental side of society and to increase its competitiveness.

• The bank, whether traditional or Islamic, plays the role of financial intermediary between the owner of the money and customers who lack such funds to satisfy their needs.

However, traditional banks rely on the lending base of the usury benefit system to attract the funds of depositors or when granting financing to investors.

The risk ratio is low, while Islamic banks base their activity on the system of co-recruitment of investors' funds and when granting funding to customers on the basis of the system of buy-to-let or end-of-title leave, etc.

This means that the Islamic bank is exposed to a high percentage of credit risk.

However, the Islamic Bank is exposed to a high degree of risk due to the intensity of the competition and its granting of funding to customers through the Al-Haraba purchase order system and others, but it has ways and tools to control these risks.

In this research, we will highlight that God willing the concept of credit risk at the Islamic Bank and how it is managed, described and analyzed