المستخلص: |
Islamic banking is not without risks that may arise from its activities or from the environment in which it operates, and risk management is considered one of the most important topics in banking and financial management , so this study aims to analyze the credit risk management strategy of Al Baraka Bank Algeria, by defining principles on which credit risk management is based, and the methods it uses to hedge against these risks, we used the questionnaire prepared for the purpose and distributed to the employees of multiple agencies of Al Baraka Bank Algeria. The result study is that Islamic banks face credit risk higher than their classic counterpart due to some of imposed Sharia requirement that must be adhered to. It was also concluded that the risk management of Al Baraka Bank works to reduce the degree of risk to the lowest possible degree, and focuses on debt-based financing formulas for ease of use. Therefare the bank should develop the risk management system and the capabilities of employees in controlling banking hedging techniques, and expand more work in various forms of Islamic finance
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