إدارة المخاطر في المصارف الإسلامية

Islamic banks encounter relatively higher risks than usurious banks, where debts make up the majority of the assets of these banks because credit risk management in Islamic banks abides by jurisprudential restrictions in governing financial transactions. This paper seeks to identify one of the most important issues relating to banking investment. It discusses the importance of Islamic banks, the most important risks facing them and how they manage these risks. The importance of the paper lies in the identification of the causes of the high level of risks facing Islamic banking institutions and the appropriate ways to confront them. The researcher adopts the descriptive approach to collect data. The results of the study confirm that the formulas and methods that usurious banks use for risk management are not all available to Islamic banks. Therefore, risks in the credit Islamic banking sector are higher than conventional banks. The researcher recommends the development of legislation governing the work of these banks and the activation of the supervisory role and willingness to apply mechanisms in accordance with the sharia laws.