Mine HALİS, Ahmed Elmabruk ABDSSALM ELTAWİL

İSLAM BANKALARI’NDA RİSK YÖNETİMİ: LİBYA’DAKİ BULGULAR

İslami bankacılık, geçen yüzyılın 70'li yıllarından itibaren İslam dünyasında ortaya çıkan yeni finansal akımlardan biridir. Malezya gibi öncü ülkelerde ortaya çıkan İslami finans kavramı, birçok finansal aracın ve stratejinin İslam hukukuna uygun hale getirilmesini amaç ediniyordu. İslam hukukuna göre finansal uygulamaların ve talimatların özü, faizin olmayışı ve sermaye sağlayıcı ile borçlu arasında çıkar ve kâr / zarar paylaşımının tesis edilmesidir. Bununla birlikte bu kavramsal yapı, islami bankacılığı benimseyen finansal kurumların risk yönetimi üzerinde birçok etkiye neden olmaktadır. İslami bankacılıkta kredi, piyasa, likidite ve operasyonel riskler de dâhil olmak üzere geleneksel risk türlerinin yanında, risk kaynakları ve risk azaltma stratejileri geleneksel bankacılık ile karşılaştırıldığında farklılık arz etmektedir. Ayrıca İslami bankacılığa eşlik eden, getiri oranı, hisse senedi yatırım riski, şeriata uygunsuzluk riski ve malın el değiştirmesi neticesinde oluşan ticari risk gibi benzersiz risk türleri de vardır. Bu araştırma, İslami bankacılık ilkelerini benimseyen Libya bankalarında risk yönetimine ilişkin bir durum değerlendirmesidir. Araştırmanın sonuçları, finansal olmayan birçok faktörden etkilenen ülkedeki risk yönetimi kavramındaki olgunlaşmamışlığı göstermektedir. Bu nedenle, bu araştırmada Libya Bankalarındaki risk yönetimi kavramının gelişimini güçlendirmek için bir dizi öneriler sunulmaktadır

RISK MANAGEMENT IN ISLAMIC BANKS: FINDINGS FROM LIBYA

Islamic banking is one of the new growing financial streams that emerged in the Islamic world in the seventh decade of last century. Emerging from pioneering counties such as Malaysia, the Islamic financial concept had to adjust many of the strategies in order to comply with the Islamic law. The heart of the Islamic law’s financial instructions is the prohibition of interest and the sharing of profit and losses between the capital provider and the borrower. However, such a concept imposes many implications on the risk management of the financial institute adopting the Islamic banking concept. While traditional risk types, including credit, market, liquidity and operational risks, apply in Islamic banking, the sources of risk and mitigation strategies differ in comparison with conventional banking. Furthermore, there are unique risk types that accompany Islamic banking such as rate of return risk, equity investment risk, Sharia non-compliance risk, and displaced commercial risk. On the practical side, a case study of risk management in Libyan banks adopting Islamic banking principles is evaluated as a diagnostic research. The outcomes of the study show immaturity in the concept of risk management in the country affected by many non-financial factors. Therefore, the researcher provides his recommendation in order to empower development of the risk management concept in Libyan Banks

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Ekonomik ve Sosyal Araştırmalar Dergisi-Cover

ISSN: 1306-2174
Yayın Aralığı: Yılda 2 Sayı
Başlangıç: 2005
Yayıncı: Abant İzzet Baysal Üniversitesi İktisadi ve İdari Bilimler Fakültesi