Measuring Credit Risk Management and its Impact on Bank Performance in Iran

Ahmadyan, Azam

doi:10.33844/mbr.2018.60427

Cited by 14 publications

(11 citation statements)

References 11 publications

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“…This will help them to understand and propose a comprehensive credit risk management framework. The level of credit risk is found to be a significant influence in the performance of banks (Ahmadyan 2018). Therefore, examining the key drivers of credit risk is important for the banks to manage its function in an efficient way.…”

Section: Literature Reviewmentioning

confidence: 99%

The Determinants of Credit Risk: An Evidence from ASEAN and GCC Islamic Banks

Misman

Bhatti

2020

JRFM

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In less than a decade, the Islamic Banking (IB) industry has become an essential part of the global financial system. During the last ten years, the IB industry has witnessed changes in economic conditions and proved to be resilient during the periods of financial crisis. This paper aims to examine the important issues related to credit risk in selected Islamic banks in nine countries from Association of South East Asian Nations (ASEAN) and Gulf Cooperation Council (GCC) regions. It employs the generalized least squares panel data regression, to estimate the ratio of non-performance financing to total financing as dependent variables and bank specific variables (BSV) to determine the credit risk. It uses 12 years of unbalanced panel data from 40 different Islamic banks. The overall findings show that financing quality has a significant positive effect on credit risk. It is observed that the larger IBs owned more assets with lower credit risk compared to smaller banks. The bank’s age is also an important factor influencing the credit risk level. Moreover, regulatory capital significantly reduces the credit risk exposure adherence to the minimum regulatory capital requirements which help IBs to manage their credit risk exposures. It was also observed that IBs were not affected by the global financial crisis due to less credit risk compared to the conventional banks.

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Section: Literature Reviewmentioning

confidence: 99%

The Determinants of Credit Risk: An Evidence from ASEAN and GCC Islamic Banks

Misman

Bhatti

2020

JRFM

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“…Jika mengukur tingkat kredit yang disalurkan oleh perbankan pada profitabilitas, terdapat temuan bahwa kredit yang disalurkan memiliki pengaruh positif pada profitabilitas perbankan (Utami & Putra, 2016). Profitabilitas ini harus didukung dengan manajemen kredit dan risiko untuk menjaga kondisi kesehatan perbankan (Ahmadyan, 2018). Pertumbuhan kredit yang terjadi di masyarakat juga cenderung lebih berpengaruh positif ke profitabilitas dari perbankan ketimbang GDP di suatu negara (Kohlscheen & Murcia, 2018).…”

Section: Bank Umum Syariah Bank Umum Konvensionalunclassified

Apakah Kredit Perbankan Berpengaruh pada Performa Bank Syariah di Indonesia?

Saputra

2022

pjieb

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Sistem perbankan syariah memiliki perbedaan dengan sistem perbankan konvensional yang berlaku di Indonesia dan di dunia secara umum. Perbedaan sistem ini disebabkan oleh perbankan syariah yang menerapkan syariat islam sebagai dasar penyelenggaraan perbankan, salah satunya dalam hal penyaluran pinjaman/kredit. Dalam penelitian ini akan dikaji mengenai bagaimana pengaruh dari kredit yang dilakukan oleh perbankan umum pada performa dari perbankan syariah dalam jangka panjang beserta bagaimana proporsi pengaruh dan pengaruh guncangan pada varaibel penelitian di waktu ayng akan datang. Penelitian ini menggunakan analisis vector error correction model dengan variabel berupa return on asset sebagai indikator performa dan non-performing loan serta proporsi kredit perbankan sebagai indicator kredit perbankan umum. Hasil dari penelitian ini menunjukkan bahwa indicator NPL dan alokasi kredit berpengaruh negative dalam jangka panjang. Selain itu, variabel kredit perbankan umum juga memiliki proporsi pengaruh yang berbeda dalam analisis prediksi melalui impulse responses dan variance decomposition. Penelitian selanjutnya disarankan untuk menguji bagaimana perbandingan pengaruh yang diberikan oleh risiko kredit pada perbankan konvensional dan perbankan syariah.

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“…bilimname XLI, 2020/1 CC BY-NC-ND 4.0 Ahmadyan (2018) investigated the effects of credit risk management on the profitability and survival of banks in Iran for the period 2005-2016. The empirical results pointed out that there is a significant relationship between risk management, profitability, and bank survivability.…”

Section: Current Situation Of Islamic Banking In Iranmentioning

confidence: 99%

İran Bankacılık Sistemi Üzerine Bir Araştırma: Sorunlar ve Çözüm Önerileri

2020

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Iran is one of the two countries that have full-fledged Islamic banking in their banking systems. Although there are many criticisms about the operation of the Islamic system in Iran, this country has the greatest proportion of Islamic banking assets in the global Islamic financial system. Islamic banking in Iran, as one of the milestones of the reorganization of Iranian society after the Iranian Revolution, continues its operation by the contracts which take their roots from the economic and social factors. The banking system in Iran contains commercial state banks, specialized state banks, qard al-hassan banks, and private banks. In addition to contributing to economic development by supporting economic activities, the banking system also supports the strategies of income distribution equality. Some portion of the banking sources in Iran is used to support individuals who are below adequate income level. In this study, the performance of the Islamic banking system in Iran will be analyzed. The study consists of three parts. In the first part, the historical development of Islamic finance and Islamic banking and in the second part, the current situation of the Iranian banking sector will be discussed. In the last part, challenges related to the local economic problems as well as the sanctions initiated by the US, other countries, and organizations will be explained. Besides, some policy recommendations to improve the performance of Islamic banking in Iran will be put forth.

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Measuring Credit Risk Management and its Impact on Bank Performance in Iran

Cited by 14 publications

References 11 publications

The Determinants of Credit Risk: An Evidence from ASEAN and GCC Islamic Banks

The Determinants of Credit Risk: An Evidence from ASEAN and GCC Islamic Banks

Apakah Kredit Perbankan Berpengaruh pada Performa Bank Syariah di Indonesia?

İran Bankacılık Sistemi Üzerine Bir Araştırma: Sorunlar ve Çözüm Önerileri

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