University of Khartoum

إدارة صيغة السلم الضوابط والمخاطر دراسة تطبيقية على بنك فيصل الإسلامي السوداني 2005 1990

إدارة صيغة السلم الضوابط والمخاطر دراسة تطبيقية على بنك فيصل الإسلامي السوداني 2005 1990

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Title: إدارة صيغة السلم الضوابط والمخاطر دراسة تطبيقية على بنك فيصل الإسلامي السوداني 2005 1990
Author: عيسى إدريس إلياس , محمود
Abstract: This study, handled the management of the form of pre-nature payment Al-Salam, in Faisal Islamic Bank (Sudan), under the increasing trend of default of some of the farmers regarding loans visa- vis the said bank, and the reluctance of the bank, to finance the agricultural sector, through Al-Salam. The study aims at examining the reason which led to the reduction of financing of the agricultural sector, according to Al- Salam, during the period (1990-2005). The research hypothesized that Faisal Islamic Bank (Sudan), did not comply with the managerial controls and procedures, when financing Al-Salam, the fluctuations in the rates of rainfall, the failure of the crops due to pests, the lack of the modern storage facilities, the weakness of the guarantees and the default of financing, according to Al-Salam, in time. The researcher used the statistical-descriptive – analytic approach, for testing the research hypotheses, the researcher collected the data and information, from the secondary sources and primary sources were the (questionnaire). The selected sample represented the employees in the Banking Sector and the farmers. Then, analyzed the bank reports about Al- Salam financing, for the period of the study; and designed two questionnaires which were distributed to the selected sample. Statistical package (SPSS) was used for analysis. For the sample of the study (sample 'A') of the employees, the results showed the validity of the first hypothesis, in the non-adhering of the Faisal Islamic Bank, to the managerial controls and procedures. As for the second hypothesis, the results showed that the fauklure of financing by Al-Salam was due to the pests and the fluctuation of the rates of rainfall. For the third hypothesis, the indictors showed the consent of what the researched had hypothesized; and, thus, the results showed the correctness of the hypothesis, as Far as the non-provision of the modern storage facilities and the weakness of the means of transport with the plenty of production. The fourth hypothesis provided for the existence of a negative relation between the guarantees; and the inability to re-pay Al-Salam. The results proved the correction of that. As for the fifth hypothesis, it discussed the suitable time for obtaining the financing, and the relation of that with non-ability to repay Al-Salam. The result was the confirmation of the correctness of the hypothesis. As for the (sample 'B'), of the farmers, the results of the analysis, showed the correctness of the axes; and their support to the correctness of the hypothesis. The results of the tests showed the existence of differences in the responses of the subjects of the sample, in some expressions, some of them are statistically significant; while others are not. The main recommendations are: − The non-confinement of financing by Al-Salam for the agricultural sectors, only. It must also, include the other sectors it is, likewise. − Establish specialized apparatuses for the management of Al- Salam financing, in the banks, to work with high efficiency. − The human element must also be experienced in specializations. − There must be adherence to the rules of financing Al-Salam in Banks. − To deal directly with the farmers when financing the irrigated projects. − The reduction of the Administrative Shadow, following a system of guidance and counseling with the farmers. To increase their awareness, for dealing with Al-Salam system, in the other banks owing to the difficulty of generalization of the results of this study, for the limited period of researching and the results of the research community. The researcher suggests that more studies are needed, in the field of Al-Salam financing, in the other banks. This is important to confirm, or otherwise, the results of the study. The purpose to reach general results, about the management of Al-Salam, to avoid the negativities which accompanied
Description: 524 Pages
URI: http://khartoumspace.uofk.edu/handle/123456789/12170
Date: 2015-06-14


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