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Liquidity Management in Islamic banks (An Applied study on Islamic Banks in Syria)

إدارة السيولة في المصارف الإسلامية (دراسة تطبيقية على المصارف الإسلامية في سورية)

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 Publication date 2014
and research's language is العربية
 Created by Shamra Editor




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This research aims to study the problem of liquidity excess، so it considers from the important problem that is facing the Islamic banks especially in this obstacles: 1- Modernity time of Islamic banks. 2- littleness of financial tools that used to manage the liquidity in Islamic banks. 3- Nonexistence Law are fitting with targets and field of activity of Islamic banks. And It is done that through knowing the liquidity in these banks and the tools used to manage the liquidity، inside to the best Islamic financial tools that Islamic banks are able to use in manage the liquidity.


Artificial intelligence review:
Research summary
يهدف هذا البحث إلى دراسة مشكلة فائض السيولة في المصارف الإسلامية، مع التركيز على المصارف الإسلامية في سوريا، مثل مصرف شام الإسلامي ومصرف سورية الدولي الإسلامي خلال الفترة من 2007 إلى 2010. يتناول البحث المعوقات التي تواجه هذه المصارف، مثل حداثة عهدها، قلة الأدوات المالية المستخدمة، وعدم وجود تشريعات ملائمة. من خلال تحليل القوائم المالية والمقابلات مع مديري المخاطر، تبين أن المصارف تعاني من فائض سيولة عالٍ، حيث وصلت نسبة السيولة في مصرف شام الإسلامي إلى 85% في 2007، وفي مصرف سورية الدولي الإسلامي إلى 59% في 2008. كما أظهر البحث قلة الأدوات المالية المستخدمة في إدارة السيولة، مثل المرابحة والوكالات الاستثمارية. يوصي البحث بضرورة إصدار تشريعات خاصة بالمصارف الإسلامية، وتطوير أدوات مالية جديدة، وإنشاء سوق مالية إسلامية لتداول الأصول.
Critical review
دراسة نقدية: على الرغم من أن البحث يقدم تحليلاً شاملاً لمشكلة فائض السيولة في المصارف الإسلامية السورية، إلا أنه يفتقر إلى تقديم حلول عملية واضحة يمكن تطبيقها على أرض الواقع. كما أن التركيز على فترة زمنية محدودة (2007-2010) قد لا يعكس الصورة الكاملة للوضع الحالي. بالإضافة إلى ذلك، كان من الممكن أن يتناول البحث تجارب دول أخرى في إدارة السيولة في المصارف الإسلامية للاستفادة من أفضل الممارسات العالمية. كما أن الاعتماد الكبير على المقابلات الشخصية قد يثير تساؤلات حول موضوعية النتائج.
Questions related to the research
  1. ما هي المشكلة الرئيسية التي تواجه المصارف الإسلامية في سوريا وفقاً للبحث؟

    المشكلة الرئيسية هي فائض السيولة، حيث تحتفظ المصارف بكميات كبيرة من السيولة غير المستثمرة، مما يؤدي إلى تجميد الأموال وعدم تحقيق أرباح إضافية.

  2. ما هي الأدوات المالية التي تستخدمها المصارف الإسلامية السورية لإدارة السيولة؟

    تستخدم المصارف أدوات مثل المرابحة والوكالات الاستثمارية، ولكنها تفتقر إلى تنويع الأدوات المالية بشكل كافٍ.

  3. ما هي التوصيات التي يقدمها البحث لتحسين إدارة السيولة في المصارف الإسلامية السورية؟

    يوصي البحث بإصدار تشريعات خاصة بالمصارف الإسلامية، تطوير أدوات مالية جديدة، وإنشاء سوق مالية إسلامية لتداول الأصول.

  4. كيف يؤثر فائض السيولة على أداء المصارف الإسلامية؟

    فائض السيولة يؤدي إلى تجميد الأموال وعدم استثمارها بشكل فعال، مما يقلل من قدرة المصارف على تحقيق أرباح إضافية ويساهم في ضعف مساهمتها في التنمية الاقتصادية.


References used
MUNAWAR، I; AUSAF، A. CHALLENGES FACING ISLAMIC BAMKING. Accosional Paper، Saudi Arabia، 1998، 20
SAHA، A. Liquidity Management in Islamic Banks. Bahrain Monetary Agent، 2002، 65
European Central Bank ، Developments in Bank s، Liquidity Profile And Management، OCit ،21
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