Use this URL to cite or link to this record in EThOS: http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.629443
Title: A study differentiating credit risk management strategy between Islamic and non-Islamic Banks in UEA
Author: Al-Suwaidi, Hassan
ISNI:       0000 0004 5348 8628
Awarding Body: London Metropolitan University
Current Institution: London Metropolitan University
Date of Award: 2014
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Abstract:
This study attempts to identify any differences between Islamic and non-Islamic banks in UAE. Furthermore, factors affecting rate of return on lending have also been examined for UAE banks, Islamic and non-Islamic banks. This study has used quantitative research design. Data has been collected through questionnaire. Data is obtained directly as primary evidence from the senior credit risk managers from all the local commercial banks within United Arab Emirates. The sample for the study consists of 6 commercial banks from UAE with 3 non-Islamic and 3 Islamic banks with 148 credit risk managers as respondents for the survey. Descriptive statistic and inferential statistics are used to obtain the results. Islamic and non-Islamic banks differ in 'expert system', 'lending policy' and 'lending decisions'. Islamic banks are performing better making lending decision and lending policies than non-Islamic banks. Whereas, non-Islamic (conventional) banks are having better expert system than Islamic bank. All explanatory variables i.e. bank-wise exposure, experts system, company factors, lending decision, corporate borrowers, demographic variables and lending policy have significant influence on the profitability of UAE banks. Overall, credit risk management practices of Islamic banks are significantly contributing in profitability of banks than non-Islamic banks. Originality - This paper uses questionnaire-based methodology has not been used previously in UAE financial sector as well as in studies of credit risk management. Therefore this research could become the cornerstone of further academic research in other developing countries using this methodology. Practical implication. This study is significantly important for the academic point of view as well as for the practitioners, risk managers and policy makers.
Supervisor: Not available Sponsor: Not available
Qualification Name: Thesis (Ph.D.) Qualification Level: Doctoral
EThOS ID: uk.bl.ethos.629443  DOI: Not available
Keywords: 330 Economics
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