RISK ANALYSIS AND FACILITY MANAGEMENT IN COMMERCIAL BANKS: A CASE STUDY OF JAIZ BANK PLC

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ABSTRACT


This research topic is on risk analysis and financial management in commercial banks, the case study being an Islamic bank, Islamic banks are well known for interest free banking, as a result of this interest free banking, most Islamic banks resort to asset lending or business financing. This project aims to assess the type of risks that affect Islamic banks, types of facilities available to their customers, the type of risks associated with each facility, mitigation techniques or processes associated with them and the differences between their conventional counterparts. Content analysis between books of the case study and another conventional bank (zenith bank) was used and a comparative analysis was done between these two banks to determine the type of risks faced by both banks and how the banks mitigate such risks.

TABLE OF CONTENTS

ABSTRACT
TABLE OF CONTENTS

CHAPTER ONE: GENERAL INTRODUCTION
1.1 BACKGROUND TO THE STUDY
1.2 STATEMENT OF RESEARCH PROBLEM
1.3 RESEARCH QUESTIONS
1.4 OBJECTIVES OF THE STUDY
1.5 SIGNIFICANCE OF THE STUDY
1.6 SCOPE AND LIMITATIONS
1.7 CHAPTERIZATION

CHAPTER TWO: LITERATURE REVIEW
2.1 INTRODUCTION
2.2 CONCEPTUAL FRAMEWORK
2.2.1 Strict, Profit loss sharing (PLS)
2.2.1.1 Musharakah
2.2.1.2 Mudaraba
2.2.2 Non-strict, Profit loss sharing (PLS)
2.2.2.1 Murabaha
2.2.2.2 Ijarah
2.2.2.3 Bai’muajjal
2.2.2.4 Bai’salam
2.3 EMPIRICAL FRAMEWORK
2.3.1 PREVIOUS STUDIES ON RISK MANAGEMENT
2.3.2 THE RISK MANAGEMENT PROCESS
2.3.3 RISK MITIGATION IN ISLAMIC BANKING
2.3.3.1 REPUTATION RISKS
2.3.3.2 EXCHANGE RISKS
2.3.3.3 PRICE RISKS
2.3.3.4 DEFAULT RISKS
2.3.3.5 LIQUIDITY RISKS
2.3.3.6 RELIGIOUS RISKS
2.4 PREVIOUS STUDIES ON FACILITY MANAGEMENT
2.5 RISK CONTROL IN JAIZ BANK
2.6 RISK APPRAISALS AND CANNONS OF LENDING
2.6.1 ‘’THE PARTS’’: PURPOSE, AMOUNT, REPAYMENT, TERM, AND SECURITY
2.6.1.1 Purpose
2.6.1.2 Amount
2.6.1.3 Repayment
2.6.1.4 Term
2.6.1.5 Security
2.6.2 RISK APPRAISAL
3.1 INTRODUCTION
3.2 RESEARCH DESIGN
3.3 POPULATION OF THE STUDY
3.4 SAMPLE AND SAMPLING TECHIQUES
3.5 SOURCES AND METHODS OF DATA COLLECTION
3.6 METHOD OF DATA ANALYSIS

CHAPTER FOUR: PRESENTATION AND ANALYSIS OF DATA
4.1 RISKS AND THEIR MITIGATION TECHIQUES UNDER ISLAMIC BANKING
4.1.1 MURABAHA (COST PLUS MARK-UP)
4.1.2 ISTISNA
4.1.3 IJARAH WA IQITINA
4.1.4 MUSHARAKA (JOINT VENTURE)
4.2 ANALYSIS
4.3 DISCUSSION OF FINDINGS

CHAPTER FIVE: SUMARRY, CONCLUSION AND RECOMMENDATION
5.1 INTRODUCTION
5.2 CONCLUSION
5.3 RECOMMENDATION
BIBLOGRAPHY

CHAPTER ONE: GENERAL INTRODUCTION

1.1 BACKGROUND TO THE STUDY

Islamic Banking is interest free banking which makes it necessary for Islamic Banks to take active part in the operations of this business. Banks including Islamic Banks prefer to take minimum risks. On the surface it may seem that Islamic Banks face more risks and hence, will have more volatile or even negative returns on their assets.

This research project analyses the risks management procedures of Islamic Banking by giving differential analysis on risk management, and facility management. There are basically 3 types of Banks, commercial, development and central Bank, within the commercial Banking sector, there are some Banks operating on different principles, such as the JAIZ BANK which operates on the principles of Islamic Banking.

This research is aimed at ascertaining the risk and facility management strategies adopted by commercial Banks to enable them stay afloat and remain profitable. Different Banks adopt different strategies depending on their orientation, objectives and organizing principles.


The histonography of early Islam refers to the study of early history of Islam during the 7th century, from prophet Muhammad’s 1st revelations in A.D 610 until the disintegration of the rashidun caliphate in A.D661, and arguably throughout the 8th century and the duration of the Umayyad caliphate, terminating in the incipient Islamic golden age around the beginning of the 9th century.
The first experimental local Islamic Bank was established in the late 1950’s in a rural area of Pakistan which charged no interest on its lending. A remarkable effort in sharia complaint saving Banking was undertaken 1968 in rural Egypt by economists Ahmad Elnagger to appeal to people who lacked confidence in state run Banks.

The influx of “petro-dollars” and a general reislamization following the October war and 1973 oil crisis gave great help to the development of Islamic Banking sector. In 1975, the Islamic Banking sector was set up with the mission of providing funding to projects in the member countries.


The 1st modern commercial Islamic Bank, Dubai Islamic Bank, opened its doors in 1975. Islamic Banks have over 300 institutions spread over 51 countries including United States, United Kingdom, and Nigeria....


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