Identifying creditworthiness criterions and financing approval process of Islamic banks in Indonesia
The study aims to identify the creditworthiness criteria and approval factors in providing financing facilities to corporate and commercial clients of Islamic banks in Indonesia. It also explores the financing approval process in the Islamic bank for this segment. It employs the qualitative study of...
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Springer Nature Switzerland AG
2021
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オンライン・アクセス: | http://irep.iium.edu.my/88895/1/88895_Identifying%20creditworthiness%20criterions%20and%20financing.pdf http://irep.iium.edu.my/88895/7/88895_Identifying%20creditworthiness%20criterions%20and%20financing_SCOPUS.pdf http://irep.iium.edu.my/88895/ https://www.springerprofessional.de/en/identifying-creditworthiness-criterions-and-financing-approval-p/18960172?searchResult=1.identifying%20creditworthiness&searchBackButton=true https://doi.org/10.1007/978-3-030-69221-6 |
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my.iium.irep.888952021-05-11T02:27:33Z http://irep.iium.edu.my/88895/ Identifying creditworthiness criterions and financing approval process of Islamic banks in Indonesia Muhammad, Imaduddin Sharofiddin, Ashurov HG1501 Banking HG3368 Islamic Banking and Finance The study aims to identify the creditworthiness criteria and approval factors in providing financing facilities to corporate and commercial clients of Islamic banks in Indonesia. It also explores the financing approval process in the Islamic bank for this segment. It employs the qualitative study of in-depth and semi-structured interviews method via the available online tool. The study selects 3 (three) Islamic bank officers from the different banks as the respondents. The study finds that the 5Cs elements are all important by emphasizing properly fixed asset collateral and the sound capacity of the clients. There is a typical internal approval process with the timing is different between each bank. It highlights the importance of financial covenants and the requirement to use CASA products. The study also reveals that the covid-19 pandemic has impacted the client’s business and its ability to repay the banks. The strategy is to conduct relaxation, reprofiling, and restructuring of the client’s facilities as per guideline from the regulator Springer Nature Switzerland AG Alareeni, Bahaaeddin Hamdan, Allam Elgedawy, Islam 2021-03-13 Book Chapter PeerReviewed application/pdf en http://irep.iium.edu.my/88895/1/88895_Identifying%20creditworthiness%20criterions%20and%20financing.pdf application/pdf en http://irep.iium.edu.my/88895/7/88895_Identifying%20creditworthiness%20criterions%20and%20financing_SCOPUS.pdf Muhammad, Imaduddin and Sharofiddin, Ashurov (2021) Identifying creditworthiness criterions and financing approval process of Islamic banks in Indonesia. In: The Importance of New Technologies and Entrepreneurship in Business Development: In The Context of Economic Diversity in Developing Countries: The Impact of New Technologies and Entrepreneurship on Business Development. Lecture Notes in Networks and Systems, 194 . Springer Nature Switzerland AG, Switzerland, pp. 1672-1686. ISBN 978-3-030-69220-9 https://www.springerprofessional.de/en/identifying-creditworthiness-criterions-and-financing-approval-p/18960172?searchResult=1.identifying%20creditworthiness&searchBackButton=true https://doi.org/10.1007/978-3-030-69221-6 |
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HG1501 Banking HG3368 Islamic Banking and Finance Muhammad, Imaduddin Sharofiddin, Ashurov Identifying creditworthiness criterions and financing approval process of Islamic banks in Indonesia |
description |
The study aims to identify the creditworthiness criteria and approval factors in providing financing facilities to corporate and commercial clients of Islamic banks in Indonesia. It also explores the financing approval process in the Islamic bank for this segment. It employs the qualitative study of in-depth and semi-structured interviews method via the available online tool. The study selects 3 (three) Islamic bank officers from the different banks as the respondents. The study finds that the 5Cs elements are all important by emphasizing properly
fixed asset collateral and the sound capacity of the clients. There is a typical internal approval process with the timing is different between each bank. It highlights the
importance of financial covenants and the requirement to use CASA products. The study also reveals that the covid-19 pandemic has impacted the client’s business and its ability to repay the banks. The strategy is to conduct relaxation, reprofiling, and restructuring of the client’s facilities as per guideline from the regulator |
author2 |
Alareeni, Bahaaeddin |
author_facet |
Alareeni, Bahaaeddin Muhammad, Imaduddin Sharofiddin, Ashurov |
format |
Book Chapter |
author |
Muhammad, Imaduddin Sharofiddin, Ashurov |
author_sort |
Muhammad, Imaduddin |
title |
Identifying creditworthiness criterions and financing approval process of Islamic banks in Indonesia |
title_short |
Identifying creditworthiness criterions and financing approval process of Islamic banks in Indonesia |
title_full |
Identifying creditworthiness criterions and financing approval process of Islamic banks in Indonesia |
title_fullStr |
Identifying creditworthiness criterions and financing approval process of Islamic banks in Indonesia |
title_full_unstemmed |
Identifying creditworthiness criterions and financing approval process of Islamic banks in Indonesia |
title_sort |
identifying creditworthiness criterions and financing approval process of islamic banks in indonesia |
publisher |
Springer Nature Switzerland AG |
publishDate |
2021 |
url |
http://irep.iium.edu.my/88895/1/88895_Identifying%20creditworthiness%20criterions%20and%20financing.pdf http://irep.iium.edu.my/88895/7/88895_Identifying%20creditworthiness%20criterions%20and%20financing_SCOPUS.pdf http://irep.iium.edu.my/88895/ https://www.springerprofessional.de/en/identifying-creditworthiness-criterions-and-financing-approval-p/18960172?searchResult=1.identifying%20creditworthiness&searchBackButton=true https://doi.org/10.1007/978-3-030-69221-6 |
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1701162781144776704 |
score |
13.154949 |