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Modeling the Ranking of Credit Facility Risks in Islamic Banking and Customers’ Behavioral Reactions to Risk Perception
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Abbas Nakhaei   , Mohammad Mohebi * , Ebrahim Negahdari |
| Assosiate professor of Email: mohebimh@yahoo.com |
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Abstract: (322 Views) |
| In the contemporary world, Islamic banking, with its unique characteristics, especially in the area of credit facilities, faces distinct challenges in risk management. The primary aim of this research is to identify and assess various risks in the process of providing credit facilities to customers in Islamic banks and analyze the impact of these risks on customer behaviors and decision-making. On this base, identifies the main risks associated with credit facilities in Islamic banking, including credit, financial, liquidity, operational, and legal risks. The study then explores various models for ranking these risks and evaluates their relative importance in risk management within Islamic banking. To achieve this, the meta analysis method is employed to gather and analyze expert opinions in Islamic banking, identifying key risks. These risks are then ranked using the fuzzy Delphi ranking technique. Furthermore, using survey studies and statistical analysis, the research investigates customer understanding and reactions to these risks. The results provide effective strategies for enhancing risk management and boosting customer trust in Islamic banks. This research creates a foundation upon which banks can improve their risk management strategies and strengthen interactions with customers. The research community includes university professors and banking experts. The sample is purposively selected from individuals in the statistical population with at least 10 years of research or executive experience in the banking field. After fuzzy expert analysis, risks in Islamic contracts were identified. The findings also indicate that customers, when informed about the risks of contracts, change their preferences towards contracts with less risk to themselves and higher risk to banks. |
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| Keywords: Islamic banking, credit facility risks, risk management, risk ranking, customer |
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Full-Text [PDF 1105 kb]
(85 Downloads)
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Type of Study: Applicable |
Subject:
Management
Received: 2025/02/4 | Accepted: 2025/03/3 | Published: 2026/03/11
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