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首页> 外文期刊>International Business Research >Why do Islamic Banks Concentrating Finance in Murabaha Mode? Performance and Risk Analysis (Sudan 1997-2018)
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Why do Islamic Banks Concentrating Finance in Murabaha Mode? Performance and Risk Analysis (Sudan 1997-2018)

机译：为什么伊斯兰银行在米拉巴瓦模式中集中财务？性能和风险分析（苏丹1997-2018）

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During 1997-2018, Islamic Banks (IBs) in Sudan provided finance by Murabaha mode to their clients with more than 45% on average.This position raises questions of why do IBs concentrating finance in Murabaha Mode rather than other modes? is this concentration implying risk and does it have influence on the financial performance of IBs? This study aimed to discusses the reasons and answer these questions.Nonperforming loan(NPL), Murabaha to gross finance, Musharaka to gross finance, Mudabaha to gross finance and Salam to gross finance were used to indicate the credit risk.Return on Equity (ROE) was used to indicate the financial performance of IBs.Ordinary least squares technique was employed to determine the trend of relations between the variables.The main results of the study show that there is an important positive relationship between the NPL and provision finance by both Murabaha and Mudaraba modes.Whereas were a negative with both Musharaka and Salam.Moreover, it's found that there is strong negative relationship between NPL and ROE.The main reason for the expansion granting finance by Murabaha mode is that IBs are heavy rely on collaterals and in case of clients' failure to pay, they sell collaterals to keep their financial performance safety.The study strongly recommends IBs importance of diversify the granting finance among Islamic modes of finance to avoiding the risk of concentration the finance by Murabaha mode.Furthermore, monetary authority in Sudan need to keep IBs aware with the risk associated with Islamic modes, especially Murabaha.
机译：在1997 - 2018年期间，苏丹的伊斯兰银行（IBS）由Murabaha模式提供金融​​，平均超过45％以上的客户提供了超过45％的人。这个职位提出了为什么IBS在米拉巴省模式而不是其他模式的问题提出了问题这种浓度意味着风险，是否对IBS的财务表现产生影响？这项研究旨在讨论原因和回答这些问题。创造贷款（NPL），Murabaha到总财政，Musharaka到总财政，Mudabaha归还财务和萨拉姆归还融资，以表明信贷风险。股权（ROE） ）被用来表示IBS的财务表现。采用最小二乘技术来确定变量之间关系的趋势。该研究的主要结果表明，NPL与Murabaha两者的议题与拨款之间存在重要的积极关系和Mudaraba Modes.Whereas与Musharaka和Salam.More of of of of yeas是阴性的，发现NPL和Roe之间存在强烈的负面关系。Murabaha模式授予融资的主要原因是IBS浓重依赖抵押品和抵押品客户未能支付的情况，他们销售抵押品以保持其财务表现安全。研究强烈建议IBS对授予多样化的重要性NG金融在伊斯兰金融模式中，以避免村庄Mode的集中金融风险。苏丹的货币管理局需要让IBS意识到与伊斯兰方式相关的风险，特别是Murabaha。

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