معوقات التمويل بالصيغ الزراعية في المصارف الإسلامية الأردنية
The problem of study refers to the lack of implementation of agricultural financing methods by jordan Islamic banks leading to a lack of cash liquidity needed to maintain productivity and the financial loss amongst the large proportion of banks’ customers in the agricultural sector. Therefore, th...
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my-usim-ddms-13359 |
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uketd_dc |
| institution |
Universiti Sains Islam Malaysia |
| collection |
USIM Institutional Repository |
| language |
other |
| topic |
banking obstacles Risks profitability agricultural financing methods Jordanian Islamic banks |
| spellingShingle |
banking obstacles Risks profitability agricultural financing methods Jordanian Islamic banks أحمد محمد علي الجبالي ‘Ahmad Muhammad Ali Al-Jabali معوقات التمويل بالصيغ الزراعية في المصارف الإسلامية الأردنية |
| description |
The problem of study refers to the lack of implementation of agricultural financing
methods by jordan Islamic banks leading to a lack of cash liquidity needed to maintain
productivity and the financial loss amongst the large proportion of banks’ customers
in the agricultural sector. Therefore, this study aims to analyze the relationship
between the banking obstacles and related governmental management procedures as
well as their impacts on the lack of the implementation of these agricultural financing
methods. The significances of the study are highlighted through the assessment on
credit, operational and market risk factors as well as the bank’s profit in implementing
these financing methods. In order to realise the objectives of this study, quantitative
approaches and questionnaires were used as instruments to measure the impact of risk,
profit and governmental management procedures on agricultural financing methods.
The population of this study consists of 650 officers from respective departments and
units of the Jordanian Islamic banks and the sample size involved a total of 242
officers. This study has reached several findings, amongst them is the most significant
obstacles faced for the implementation of agricultural financing methods are obstacles
related to credit risk, especially the lack of religious and moral awareness about
agricultural contracts among customers and the failure of the farmers to fulfill their
financial and moral obligations towards the banks. Amongst them are also obstacles
related to operational risks, especially the need for qualified and trained human
resources in the financial and Islamic fields to implement these methods as well as the
use of traditional agricultural methods by customers in production. Amongst them are
obstacles related to market risk, particularly the difficulty of marketing agricultural
products, the absence of a minimum price guarantee by the government and the
instability of prices and service charges between the period of contract signing and
harvest season. Amongst them are obstacles related to the banks’ profit, specifically
the difficulty in determining the expected profit, the high cost of agricultural activities
and the non-usage of modern technology in the production. This study concludes that
governmental official procedures could lessen these obstacles through the reduction of
taxes and fees imposed on the banks, the increase of government deposit within the
banks and opening domestic and international markets for better marketing and
promotion of the agricultural products. The study also provides several
recommendations, that include the provision of necessary supports by government to
the Jordanian Islamic banks in order to encourage them implementing agricultural
financing through the reduction of taxes and fees on banks’ transactions and
agricultural production and service requirements, the provision of credit analysis
framework for banks’ customers, the inclusion of all banks’ customers under the risk
management fund for agriculture sector, and the opening of domestic and internal
markets for the marketing of agricultural products at appropriate prices. |
| format |
Thesis |
| author |
أحمد محمد علي الجبالي ‘Ahmad Muhammad Ali Al-Jabali |
| author_facet |
أحمد محمد علي الجبالي ‘Ahmad Muhammad Ali Al-Jabali |
| author_sort |
أحمد محمد علي الجبالي |
| title |
معوقات التمويل بالصيغ الزراعية في المصارف الإسلامية الأردنية |
| title_short |
معوقات التمويل بالصيغ الزراعية في المصارف الإسلامية الأردنية |
| title_full |
معوقات التمويل بالصيغ الزراعية في المصارف الإسلامية الأردنية |
| title_fullStr |
معوقات التمويل بالصيغ الزراعية في المصارف الإسلامية الأردنية |
| title_full_unstemmed |
معوقات التمويل بالصيغ الزراعية في المصارف الإسلامية الأردنية |
| title_sort |
معوقات التمويل بالصيغ الزراعية في المصارف الإسلامية الأردنية |
| granting_institution |
Universiti Sains Islam Malaysia |
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1812444754666848256 |
| spelling |
my-usim-ddms-133592024-05-29T18:42:34Z معوقات التمويل بالصيغ الزراعية في المصارف الإسلامية الأردنية Ma’awqat al-tamwil bi li siyagh al-zira’iyah fi al-masarif al-islamiyah al-urduniyah أحمد محمد علي الجبالي ‘Ahmad Muhammad Ali Al-Jabali The problem of study refers to the lack of implementation of agricultural financing methods by jordan Islamic banks leading to a lack of cash liquidity needed to maintain productivity and the financial loss amongst the large proportion of banks’ customers in the agricultural sector. Therefore, this study aims to analyze the relationship between the banking obstacles and related governmental management procedures as well as their impacts on the lack of the implementation of these agricultural financing methods. The significances of the study are highlighted through the assessment on credit, operational and market risk factors as well as the bank’s profit in implementing these financing methods. In order to realise the objectives of this study, quantitative approaches and questionnaires were used as instruments to measure the impact of risk, profit and governmental management procedures on agricultural financing methods. The population of this study consists of 650 officers from respective departments and units of the Jordanian Islamic banks and the sample size involved a total of 242 officers. This study has reached several findings, amongst them is the most significant obstacles faced for the implementation of agricultural financing methods are obstacles related to credit risk, especially the lack of religious and moral awareness about agricultural contracts among customers and the failure of the farmers to fulfill their financial and moral obligations towards the banks. Amongst them are also obstacles related to operational risks, especially the need for qualified and trained human resources in the financial and Islamic fields to implement these methods as well as the use of traditional agricultural methods by customers in production. Amongst them are obstacles related to market risk, particularly the difficulty of marketing agricultural products, the absence of a minimum price guarantee by the government and the instability of prices and service charges between the period of contract signing and harvest season. Amongst them are obstacles related to the banks’ profit, specifically the difficulty in determining the expected profit, the high cost of agricultural activities and the non-usage of modern technology in the production. This study concludes that governmental official procedures could lessen these obstacles through the reduction of taxes and fees imposed on the banks, the increase of government deposit within the banks and opening domestic and international markets for better marketing and promotion of the agricultural products. The study also provides several recommendations, that include the provision of necessary supports by government to the Jordanian Islamic banks in order to encourage them implementing agricultural financing through the reduction of taxes and fees on banks’ transactions and agricultural production and service requirements, the provision of credit analysis framework for banks’ customers, the inclusion of all banks’ customers under the risk management fund for agriculture sector, and the opening of domestic and internal markets for the marketing of agricultural products at appropriate prices. Universiti Sains Islam Malaysia 2023-03 Thesis other https://oarep.usim.edu.my/handle/123456789/13359 https://oarep.usim.edu.my/bitstreams/70ab18d4-9de5-4fc7-9143-ace622f00c72/download 68b329da9893e34099c7d8ad5cb9c940 https://oarep.usim.edu.my/bitstreams/2c35cf4d-fd0b-469d-ac5e-43b7af1e72ca/download 3a0a78e346c40d294575008d96ff0ed6 https://oarep.usim.edu.my/bitstreams/26cf3700-1172-4521-81c3-3a9814bd6fe1/download 575a3254de4c93dbeb38d68695fd9f24 https://oarep.usim.edu.my/bitstreams/a19e2e13-0f44-49d2-b43f-4fd67bec6e48/download 1327e94bf6a3104cffeab3a841329cb9 https://oarep.usim.edu.my/bitstreams/38c91f6b-fd1a-4336-9b7e-79b9227d65fa/download aa97a84a5583c3609ea18ccf3f5a0e17 https://oarep.usim.edu.my/bitstreams/f251153a-2a08-4a6d-b3b5-443a393bbb49/download 9f9a78c4868ea3e735680589318ead25 https://oarep.usim.edu.my/bitstreams/b6faad8c-c95c-4419-b2fd-29f8839f8df0/download 096fee42806aa5793425290420114893 https://oarep.usim.edu.my/bitstreams/c456f26c-44d4-40fe-8cbe-f9026be419d0/download 228d6f6c0c66f7042afb4b036b3c5562 https://oarep.usim.edu.my/bitstreams/856e2e4a-a0e8-41a2-89fa-70e00846a74e/download 947729f3ed0e819e0eddd49fb887d632 https://oarep.usim.edu.my/bitstreams/406cd9f0-1478-4d0c-9ee8-baff52a6bfbd/download bd46ededf19078d6120ae44a85dc8071 https://oarep.usim.edu.my/bitstreams/c9af345a-1d6a-453e-ac00-fda1067b5ee5/download 6ff561126b6c1098c70cad8b5ad7399d https://oarep.usim.edu.my/bitstreams/3b3e8e76-5c94-4e80-aaa1-9fc67cf98153/download 321b80781ea91d6b3b93444c4e0df523 https://oarep.usim.edu.my/bitstreams/df952a68-92fb-46bb-a1d6-a9e57c35e303/download a20cf98736584a4a0f9bd54adec75fcd https://oarep.usim.edu.my/bitstreams/3143eb7c-d6ba-4d40-8810-8afdc44a88f1/download 9920a9ec08e6b02c28c57eb4d67ab840 https://oarep.usim.edu.my/bitstreams/73524e74-bd8b-49bc-a25e-95b1e6ac476f/download 5afa7826da5a153ab9894664534f1baf https://oarep.usim.edu.my/bitstreams/8a7ffd42-22fa-43f8-ac69-93a1084c5d2b/download 0940f9e93b7114d27b9a59cf4a25f9c9 https://oarep.usim.edu.my/bitstreams/195b8188-9c91-421b-b237-21bc7283d930/download fa384a364558f46d8377313f42a36c43 https://oarep.usim.edu.my/bitstreams/a944c025-2b4f-4885-aa6f-5ed55c3f03b6/download 1a10081632a69c15fa5156b1f6d3eebc https://oarep.usim.edu.my/bitstreams/9a03aafa-44c8-47f9-9b67-dbdc1587647f/download 8a4605be74aa9ea9d79846c1fba20a33 banking obstacles, Risks, profitability agricultural financing methods, Jordanian Islamic banks |