إدارة مخاطر الائتمان في البنوك الإسلامية و البنوك التقليدية في الأردن

Abstract EN

The study analyses the perceptions of the 180 credit officers from 13 conventional and 3 Islamic banks of Jordan in order to identify the distinction in credit risk management processes.

The investigation process uses descriptive to identify the differences in credit risk management processes between conventional and Islamic banks in Jordan.

The findings reveal that there is a significant perceived difference between conventional banks and Islamic banks in credit risk identification, assessment, understanding the risk and risk management practices.

The study also finds that the respondents of conventional banks are more sensitive in overall risk management control system where as Islamic banks are more careful in credit risk identification, monitoring and controlling processes.

The study recommended that effective credit risk management particularly in traditional banks requires establishing an appropriate credit risk environment where board of directors approves credit policy and strategy and senior management implements these; operating under sound credit granting process by establishing well defined credit granting criteria; maintaining an appropriate credit administration of credit portfolio; measurement and monitoring process and ensuring adequate control over the risk