Publication:
Implementation Of Islamic Elements As A Parameter For Credit Evaluation Process: Exploring Shariah Adviser's Perceptions

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dc.contributor.authorSiti Nor Amira Mohamaden_US
dc.contributor.authorMohamad Yazis Ali Basahen_US
dc.contributor.authorMuhammad Ridhwan Ab. Azizen_US
dc.date.accessioned2024-05-27T14:42:11Z
dc.date.available2024-05-27T14:42:11Z
dc.date.issued2018
dc.description.abstractThe aim of the study is to explore the Shariah adviser’s perceptions on credit evaluation process in commercial financing activities in Islamic banks. To achieve this aim, the study conducts in-depth interviews as to identify the Five C’s and CAMPARI elements in credit evaluation process, Adl’, Ukhwah, Istiqamah, Akhlak, Syura and Tawakkal elements in credit evaluation process, Daruriyyah and Hajiyyah in credit evaluation process and lastly is exploring the credit management (during and after the lifetime). The study found that any development to strengthen credit risk is always welcome. As already mentioned, the parameter provides the value add mechanism in achieving a thorough financing evaluation process. However, Islamic banks must be mindful that moving forward, the financing or credit officers must have the necessary skills and experience to handle the proposed parameter and they have to be well trained. As a result, it is good to implement this parameter if the clients are ready to embrace this parameter and the bank personnel have the necessary experience and skills.en_US
dc.identifier.citationMohamad, S. N. A., Basah, M. Y. A., & Aziz, M. R. A. (2018). Implementation of Islamic Elements as a Parameter for Credit Evaluation Process: Exploring Shariah Adviser’s Perceptions. International Journal of Academic Research in Business and Social Sciences, 8(6), 745–763.en_US
dc.identifier.doihttp://dx.doi.org/10.6007/IJARBSS/v8-i6/4267
dc.identifier.epage763
dc.identifier.issn2222-6990
dc.identifier.issue6
dc.identifier.other1600-104
dc.identifier.spage745
dc.identifier.urihttps://hrmars.com/papers/detail/IJARBSS/4267/Implementation-of-Islamic-Elements-as-a-Parameter-for-Credit-Evaluation-Process-Exploring-Shariah-Advisers-Perceptions
dc.identifier.urihttps://oarep.usim.edu.my/handle/123456789/3636
dc.identifier.volume8
dc.language.isoenen_US
dc.publisherHuman Resource Management Academic Research Societyen_US
dc.relation.ispartofInternational Journal of Academic Research in Business and Social Sciencesen_US
dc.subjectFive C’s elements,en_US
dc.subjectCAMPARI elements,en_US
dc.subjectIslamic elements,en_US
dc.subjectCredit Risk Management,en_US
dc.subjectIslamic Banksen_US
dc.titleImplementation Of Islamic Elements As A Parameter For Credit Evaluation Process: Exploring Shariah Adviser's Perceptionsen_US
dc.typeArticleen_US
dspace.entity.typePublication

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