Proposing Islamic Elements As A Parameter Of Credit Evaluation Process In Commercial Financing Approval : A Study Of Dual-Banking In Malaysia
The aim of study is to explore on what and how Islamic elements can be applied as a parameter of credit evaluation process in commercial financing approval. To achieve this, the study is first find out the current practices of credit evaluation process within dual-banking approach in Malaysia and fi...
Saved in:
| id |
my-usim-ddms-12435 |
|---|---|
| record_format |
uketd_dc |
| institution |
Universiti Sains Islam Malaysia |
| collection |
USIM Institutional Repository |
| language |
English |
| topic |
Cofinancing Cofinancing |
| spellingShingle |
Cofinancing Cofinancing Siti Nor Amirah Binti Mohamad Proposing Islamic Elements As A Parameter Of Credit Evaluation Process In Commercial Financing Approval : A Study Of Dual-Banking In Malaysia |
| description |
The aim of study is to explore on what and how Islamic elements can be applied as a parameter of credit evaluation process in commercial financing approval. To achieve this, the study is first find out the current practices of credit evaluation process within dual-banking approach in Malaysia and find out there any differences between different types of banks approach regarding the evaluation process of commercial financing practice. This research also aims to implement a good parameter for credit evaluation process in Islamic banking approach. The study uses interview-based approach to the business financing officers that deal with business financing approval particularly. The study also interviews the shariah advisers to get their views and opinions regarding in proposing Islamic elements as a parameter of credit evaluation process in commercial financing approval for Islamic banking approach since there are different practices in dual-banking practices in term of nature of contracts and nature of risk management activities in Islamic banking approach. This study focuses on inductive approach and therefore the method used in this study is qualitative approach. This research also choose commercial financing approval because the elements and tools applied in evaluation process of commercial credit application are still same in practice within dual-bank approach as well as there are complexities in evaluation process as more difficult to analyze, Since the Islamic banking approach used different types of contracts in commercial financing such as Mudharabah, Murabahah, Musharakah, Bai' As-salam, Bai' Al-Istisna' and Ijarah financing contracts and beside the determinant of risk-sharing concept are used in contracts makes this study to focus more on commercial financing approval. The finding from this study found that Islamic element should be added in credit evaluation process and these are tools and guidelines for Islamic banks to refer the development of the parameter in commercial financing activities. The implementation of Islamic elements as a parameter of credit evaluation process in commercial financing approval are worthy to be applied by Islamic bank approach as it is essential instrument and suggestion to support some strategy to cultivate more Islamic elements and practices in making financing decision. |
| format |
Thesis |
| author |
Siti Nor Amirah Binti Mohamad |
| author_facet |
Siti Nor Amirah Binti Mohamad |
| author_sort |
Siti Nor Amirah Binti Mohamad |
| title |
Proposing Islamic Elements As A Parameter Of Credit Evaluation Process In Commercial Financing Approval : A Study Of Dual-Banking In Malaysia |
| title_short |
Proposing Islamic Elements As A Parameter Of Credit Evaluation Process In Commercial Financing Approval : A Study Of Dual-Banking In Malaysia |
| title_full |
Proposing Islamic Elements As A Parameter Of Credit Evaluation Process In Commercial Financing Approval : A Study Of Dual-Banking In Malaysia |
| title_fullStr |
Proposing Islamic Elements As A Parameter Of Credit Evaluation Process In Commercial Financing Approval : A Study Of Dual-Banking In Malaysia |
| title_full_unstemmed |
Proposing Islamic Elements As A Parameter Of Credit Evaluation Process In Commercial Financing Approval : A Study Of Dual-Banking In Malaysia |
| title_sort |
proposing islamic elements as a parameter of credit evaluation process in commercial financing approval : a study of dual-banking in malaysia |
| granting_institution |
Universiti Sains Islam Malaysia |
| url |
https://oarep.usim.edu.my/bitstreams/4cf8e70a-c5f3-42f3-b2f5-07c81f3ed0e7/download https://oarep.usim.edu.my/bitstreams/dc5d12a2-094b-4342-8a92-7c6aabb088d5/download https://oarep.usim.edu.my/bitstreams/78ce37e5-97f8-4b9b-8d74-7b839a594150/download https://oarep.usim.edu.my/bitstreams/78424c15-9264-4946-9fee-adb16d91d37e/download https://oarep.usim.edu.my/bitstreams/478495e3-6267-4f33-9216-fa7935b536a6/download https://oarep.usim.edu.my/bitstreams/a9a8e4d3-9686-4671-b0fa-39b9ec854e09/download https://oarep.usim.edu.my/bitstreams/8f526b88-51d6-4aba-9476-71db414ec577/download https://oarep.usim.edu.my/bitstreams/f609252a-e8d5-42d0-a0c7-4f0e8645b9e3/download https://oarep.usim.edu.my/bitstreams/9dd50bcb-8ae2-4cc7-b936-097e0653cec3/download https://oarep.usim.edu.my/bitstreams/36bee3c3-917d-4346-82bf-2f14869220e8/download https://oarep.usim.edu.my/bitstreams/60ffc668-4b52-4b90-968b-d920e0ad4de5/download |
| _version_ |
1812444868112285696 |
| spelling |
my-usim-ddms-124352024-05-29T20:10:06Z Proposing Islamic Elements As A Parameter Of Credit Evaluation Process In Commercial Financing Approval : A Study Of Dual-Banking In Malaysia Siti Nor Amirah Binti Mohamad The aim of study is to explore on what and how Islamic elements can be applied as a parameter of credit evaluation process in commercial financing approval. To achieve this, the study is first find out the current practices of credit evaluation process within dual-banking approach in Malaysia and find out there any differences between different types of banks approach regarding the evaluation process of commercial financing practice. This research also aims to implement a good parameter for credit evaluation process in Islamic banking approach. The study uses interview-based approach to the business financing officers that deal with business financing approval particularly. The study also interviews the shariah advisers to get their views and opinions regarding in proposing Islamic elements as a parameter of credit evaluation process in commercial financing approval for Islamic banking approach since there are different practices in dual-banking practices in term of nature of contracts and nature of risk management activities in Islamic banking approach. This study focuses on inductive approach and therefore the method used in this study is qualitative approach. This research also choose commercial financing approval because the elements and tools applied in evaluation process of commercial credit application are still same in practice within dual-bank approach as well as there are complexities in evaluation process as more difficult to analyze, Since the Islamic banking approach used different types of contracts in commercial financing such as Mudharabah, Murabahah, Musharakah, Bai' As-salam, Bai' Al-Istisna' and Ijarah financing contracts and beside the determinant of risk-sharing concept are used in contracts makes this study to focus more on commercial financing approval. The finding from this study found that Islamic element should be added in credit evaluation process and these are tools and guidelines for Islamic banks to refer the development of the parameter in commercial financing activities. The implementation of Islamic elements as a parameter of credit evaluation process in commercial financing approval are worthy to be applied by Islamic bank approach as it is essential instrument and suggestion to support some strategy to cultivate more Islamic elements and practices in making financing decision. Universiti Sains Islam Malaysia 2015-12 Thesis en https://oarep.usim.edu.my/handle/123456789/12435 https://oarep.usim.edu.my/bitstreams/04bed8f5-d491-4172-ba83-68db878c8563/download 8a4605be74aa9ea9d79846c1fba20a33 https://oarep.usim.edu.my/bitstreams/4cf8e70a-c5f3-42f3-b2f5-07c81f3ed0e7/download a5a129ded6a06c8af83d3ad3bec44a7e https://oarep.usim.edu.my/bitstreams/dc5d12a2-094b-4342-8a92-7c6aabb088d5/download 00e68c24f660ab67ff2281b0cf253c29 https://oarep.usim.edu.my/bitstreams/78ce37e5-97f8-4b9b-8d74-7b839a594150/download ea51320204a02587db047c92a3b2b69b https://oarep.usim.edu.my/bitstreams/78424c15-9264-4946-9fee-adb16d91d37e/download ec48991e258c3595d4a723a62fc41542 https://oarep.usim.edu.my/bitstreams/478495e3-6267-4f33-9216-fa7935b536a6/download a14812c1b3cec3291722abfb4f839148 https://oarep.usim.edu.my/bitstreams/a9a8e4d3-9686-4671-b0fa-39b9ec854e09/download 836d80033aae6da28873e53fe91f504e https://oarep.usim.edu.my/bitstreams/8f526b88-51d6-4aba-9476-71db414ec577/download a73ae3237fc13369a8f5a2d617239d9e https://oarep.usim.edu.my/bitstreams/f609252a-e8d5-42d0-a0c7-4f0e8645b9e3/download 406420ead62b416f2bcd7a8ff6393747 https://oarep.usim.edu.my/bitstreams/9dd50bcb-8ae2-4cc7-b936-097e0653cec3/download ffc8284d3a8cc68b3924c95dde331d33 https://oarep.usim.edu.my/bitstreams/36bee3c3-917d-4346-82bf-2f14869220e8/download 5b410ac46bed33f40321735fe9919bd9 https://oarep.usim.edu.my/bitstreams/60ffc668-4b52-4b90-968b-d920e0ad4de5/download 28351aeebe7eb657ae895da9047eb474 https://oarep.usim.edu.my/bitstreams/b1029a8f-169e-4310-beaa-e8747947518e/download 4de91040355f1c5297cf762121cdcb2c https://oarep.usim.edu.my/bitstreams/719753e3-b446-4c24-a5a9-b72bf1c87cae/download cc9067c2ee470dc248b14b194209a34e https://oarep.usim.edu.my/bitstreams/e3770882-b303-4cb5-a1b4-73d35f316530/download 9c4008eb03055cbb415559aa86df6c2a https://oarep.usim.edu.my/bitstreams/f7a5a184-6671-43f8-9d63-d937a16e6df1/download 24e648839aa31918bceb936aff170ec0 https://oarep.usim.edu.my/bitstreams/691e70da-d8c7-4144-bc53-6e037a25de89/download 1b70f87af6fdb6f73d267b35669fa6d4 https://oarep.usim.edu.my/bitstreams/49b7dbed-10b4-4aef-9a99-48477ffdfc75/download 85feea28f98c2c0579d46de97c4adc99 https://oarep.usim.edu.my/bitstreams/346cf407-7348-4fa7-90f3-e8f1345c91bf/download b308b7fe5c1c2bbdc0cb686d451b84aa https://oarep.usim.edu.my/bitstreams/93ea1cd5-3b3c-4183-82c7-b87950a6b376/download b308b7fe5c1c2bbdc0cb686d451b84aa https://oarep.usim.edu.my/bitstreams/dc8ebf44-cd59-46ed-947d-cf132fe6c690/download 06b7e51e8fc077b8c75076712e4dd2b3 https://oarep.usim.edu.my/bitstreams/03d8a83b-e8b4-4d65-9ed8-ba76aa28eba1/download 36c6f0b2061da514c400c0bc2749b5cf https://oarep.usim.edu.my/bitstreams/9101492e-4cd3-4781-913c-e63dee333979/download fa4ea51a0f77146f48e0db0f0159801b Cofinancing Loans, Foreign—Developing countries |