Comparison of Credit Risk Management Practices among Islamic and Public Commercial Bank’s in Pakistan
The main objective of this research is to explain credit risk management practices. Furthermore, this research evaluates credit risk management practices in Pakistani banks. It compares and evaluates the techniques used by Islamic and public commercial banks. Quantitative research methods were used...
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| Format: | Article |
| Language: | English |
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Superior University
2023
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| Online Access: | https://repo.uum.edu.my/id/eprint/31379/1/IJMRES%2013%2003%202023%20104-132.pdf https://doi.org/10.56536/ijmres.v13i3.509 |
| _version_ | 1824451127174758400 |
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| author | Iqbal, Muhammad Saeed Sofi, Mohd Fikri |
| author_facet | Iqbal, Muhammad Saeed Sofi, Mohd Fikri |
| author_sort | Iqbal, Muhammad Saeed |
| collection | UUM |
| description | The main objective of this research is to explain credit risk management practices. Furthermore, this research evaluates credit risk management practices in Pakistani banks. It compares and evaluates the techniques used by Islamic and public commercial banks. Quantitative research methods were used in the present study. A total of 400 self-administrated questionnaires have been distributed among Pakistani employees of selected banks. SPSS version 24 has been used to analyze responses using correlation, regression, and t-tests. Study results showed that all variables are significantly correlated. Moreover, this study found a significant difference (p<0.5) of credit risk management practices include credit risk understanding, credit risk identification, credit risk assessment, credit risk monitoring and credit risk analysis, among Islamic and public commercial banks of Pakistan. It is concluded that this study results may help the banks to find the solutions that enable quality loan creation and growth as well as to determine the relationship among the theories, concepts, of credit score and credit policies both at country level and regional level. Hence, this study is assumed to be significant in indicating best practices and concept for practical lending to enhance the performance of credit management to all mangers and policy makers of the banks as well as to all financial institutions and banks |
| first_indexed | 2025-02-19T02:29:41Z |
| format | Article |
| id | uum-31379 |
| institution | Universiti Utara Malaysia |
| language | English |
| last_indexed | 2025-02-19T02:29:41Z |
| publishDate | 2023 |
| publisher | Superior University |
| record_format | eprints |
| spelling | uum-313792024-10-11T18:14:30Z https://repo.uum.edu.my/id/eprint/31379/ Comparison of Credit Risk Management Practices among Islamic and Public Commercial Bank’s in Pakistan Iqbal, Muhammad Saeed Sofi, Mohd Fikri HB Economic Theory The main objective of this research is to explain credit risk management practices. Furthermore, this research evaluates credit risk management practices in Pakistani banks. It compares and evaluates the techniques used by Islamic and public commercial banks. Quantitative research methods were used in the present study. A total of 400 self-administrated questionnaires have been distributed among Pakistani employees of selected banks. SPSS version 24 has been used to analyze responses using correlation, regression, and t-tests. Study results showed that all variables are significantly correlated. Moreover, this study found a significant difference (p<0.5) of credit risk management practices include credit risk understanding, credit risk identification, credit risk assessment, credit risk monitoring and credit risk analysis, among Islamic and public commercial banks of Pakistan. It is concluded that this study results may help the banks to find the solutions that enable quality loan creation and growth as well as to determine the relationship among the theories, concepts, of credit score and credit policies both at country level and regional level. Hence, this study is assumed to be significant in indicating best practices and concept for practical lending to enhance the performance of credit management to all mangers and policy makers of the banks as well as to all financial institutions and banks Superior University 2023 Article PeerReviewed application/pdf en cc4_by_nc https://repo.uum.edu.my/id/eprint/31379/1/IJMRES%2013%2003%202023%20104-132.pdf Iqbal, Muhammad Saeed and Sofi, Mohd Fikri (2023) Comparison of Credit Risk Management Practices among Islamic and Public Commercial Bank’s in Pakistan. International Journal of Management Research and Emerging Sciences, 13 (3). pp. 104-132. ISSN 2223-5604 https://ijmres.pk/index.php/IJMRES/article/view/509 https://doi.org/10.56536/ijmres.v13i3.509 https://doi.org/10.56536/ijmres.v13i3.509 |
| spellingShingle | HB Economic Theory Iqbal, Muhammad Saeed Sofi, Mohd Fikri Comparison of Credit Risk Management Practices among Islamic and Public Commercial Bank’s in Pakistan |
| title | Comparison of Credit Risk Management Practices among Islamic and Public Commercial Bank’s in Pakistan |
| title_full | Comparison of Credit Risk Management Practices among Islamic and Public Commercial Bank’s in Pakistan |
| title_fullStr | Comparison of Credit Risk Management Practices among Islamic and Public Commercial Bank’s in Pakistan |
| title_full_unstemmed | Comparison of Credit Risk Management Practices among Islamic and Public Commercial Bank’s in Pakistan |
| title_short | Comparison of Credit Risk Management Practices among Islamic and Public Commercial Bank’s in Pakistan |
| title_sort | comparison of credit risk management practices among islamic and public commercial bank s in pakistan |
| topic | HB Economic Theory |
| url | https://repo.uum.edu.my/id/eprint/31379/1/IJMRES%2013%2003%202023%20104-132.pdf https://doi.org/10.56536/ijmres.v13i3.509 |
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