Siti Nor Amira MohamadMohamad Yazis Ali BasahMuhammad Ridhwan Ab. AzizMohd. Khairil Faizal KhairiMazlynda Md. YusofNur Hidayah LailiHisham Sabri2024-05-272024-05-272015--2219-60212219-1933http://ijbssnet.com/journal/index/3209https://oarep.usim.edu.my/handle/123456789/3648International Journal of Business and Social Science Vol. 6, No. 7; July 2015This paper aims to explore credit evaluation perspective of dual-banking and full-fledge of Islamic banking approach in Malaysia. This study further used qualitative method of analyzing the data collected from in-depth interviews with them. The study found that credit risk management really has a great role to play because it makes financing decisions less risky, it helps the banks to have a secure system of two-dimension of credit risk management. Besides, the commencement of credit risk management is in the time of stage in before the financing decisions until when it does repayment from customers. During the time of making financing decisions, information needed, most important elements and continuous relationship within customers are both valued differently by the different banks.en-USBanking,Credit Evaluation,Credit Risk Management,Current Practices and IssuesArticle16918567