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Register a new userLiquidity 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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يهدف هذا البحث إلى دراسة مشكلة فائض السيولة، إذ تعتبر من أهم المشاكل التي تواجه المصارف الإسلامية و خاصة في ظل المعوقات الآتية: 1- حداثة عهد المصارف الإسلامية. 2- قلة الأدوات المالية المستخدمة في إدارة سيولة المصارف الإسلامية. 3- عدم وجود تشريعات تتناسب مع أهداف و طبيعة عمل المصارف الإسلامية. و قد تم ذلك من خلال التعرف على واقع السيولة لدى هذه المصارف و الأساليب المستخدمة في إدارة سيولتها، إضافةً إلى تبيان الأدوات المالية الإسلامية التي من الممكن للمصارف الإسلامية استخدامها لإدارة السيولة.
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.
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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This study aims to clarify the concept of profitability and
liquidity at the Islamic Banks, and discuss how the liquidity
affects the Islamic banks profitability.
In order to achieve these objectives, the researcher, after
presenting the theoreti
cal framework for the study, conducts a
case study of the Islamic banks working in Syria (Albaraka-
Syria Bank, Cham Bank, Syria International Islamic Bank),
and conducts an appropriate statistical test to show the
relationship between the liquidity and profitability (measured
by ROA) of those Islamic banks. The researcher depends on
the financial statements in the reports published by Islamic
banks, using the statistical program SPSS 18 to get the results
of this test. This study concluded that: there is no a significant
relationship between Islamic banks liquidity and profitability,
although they have high liquidity ratios, and low return on
assets in general.
The research aims to analyse the key issue relating to the management of credit risk in Islamic Banks through the analysis of risk management in the Islamic Bank, the types and formats of Islamic finance risks, the methods used to address those risks
and challenges faced by Islamic banks.
The problem with the research terms seems that credit activity is one of the most single important key functions offered by the banks, one of the activities profitable and most dangerous, where credit risk arises as a result of the inability of the debtors to meet their obligations in the dates of maturity, and the consequent loss incurred by the bank, and therefore. It is based on the premise of basic research related to the analysis of credit risk management in Islamic banks, to maintain low levels of credit risk.
The study concludes that the risk of Islamic modes of financing in the forefront of the risks faced by Islamic banks, so that the activation of the role of risk management in Islamic banks to enable them to understand and identify, measure and address the various risks, and minimize possible.
Islamic banks face many contemporary challenges due to the international events,
global transformations, and the attempt to restrict the growth and expansion of Islamic
banks and its extension across the whole world, as well as errors and illegal a
nd banking
breaches that some Islamic banks has committed.
This situation makes it imperative for all the stakeholders, first and foremost the
Committee of Sharia in these banks, and the control exercised by central banks to Islamic
and conventional banks is a paramount, and that such control has increased the efficiency
of Islamic banks. It did not take into account the working conditions of these banks subject
to the provisions of Islamic law (Sharia). Hence, this research is to learn how to exercise
control over the Islamic banks in Syria. The researcher addressed the types of control on
Islamic banks in Syria represented by the internal control and supervision of the Central
Bank and the Shari'a. The researcher presented at the end of this research a set of
conclusions: there are significant differences between the banking control methods
imposed on Commercial and Islamic banks, as well as the existence of legal supervision of
Islamic banks is necessary to ensure that the provisions of the Islamic law.
Eventually, the researcher concludes a set of proposals and recommendations,
including: the need to develop qualitative and quantitative methods to control the work of
the Islamic banks to achieve desired control objectives in improving the performance of
Islamic banks, as well as the need to allocate a separate department within the Central
Bank of Syria, to carry out inspection and control of Islamic banks, while providing the
Department with trained and qualified human resources on Islamic banking.
Islamic Banking is considered an important subject that researchers and economists are interested in nowadays. Studying economic development finance, identifying and overcoming its obstacles are one of the important issues that help pave the way to e
conomic development. To that end, the researcher seeks to define Islamic Banks, identify the difficulties which they face in Syria, and make proposals. The study shows that there are many obstacles facing the Islamic Banks in Syria, and presents
a number of suggestions which might contribute to overcome these hindrances and accelerate the achievement of economic development in Syria.
Bank credit is exposed to a range of risks resulting in credit default and the
customer's inability to meet its obligations to the bank since the process of
granting credit it is in accordance with the process of acceptance deposits
provided that the credit provide granted with the terms of the deposit granted.
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