نوع مقاله : مقاله پژوهشی
نویسندگان
1 گروه مدیریت سیستم و بهره‌وری، دانشگاه صنعتی مالک اشتر، تهران، ایران.
2 گروه مدیریت آموزشی، واحد بجنورد، دانشگاه آزاد اسلامی، بجنورد، ایران.
چکیده
هدف: این پژوهش باهدف ارزیابی مدیریت ریسک بانکداری اسلامی بر‌اساس اصول راهنمای IFSB دریکی از بانک‌های دولتی استان خراسان شمالی انجام شد.
روش‌شناسی پژوهش: روش پژوهش در این مطالعه از نوع توصیفی پیمایشی و جامعه آماری شامل کارمندان شعب و کارمندان و مدیران دوایر مختلف مدیریت منطقه بانک موردنظر بود. نمونه‌گیری به‌صورت هدفمند بوده و ابزار جمع‌آوری اطلاعات پرسشنامه بود که در فرایند پیمایش 35 نفر مشارکت کردند. پرسشنامه‌ای که در این پژوهش استفاده شده است ترجمه پرسشنامه ارایه شده توسط رزمن و عبدالرحمان [30] بر‌اساس اصول راهنمای IFSB در سال 2015 است که روایی آن توسط خبرگان تایید و برخی نکات ویرایشی اعمال شد و نیز پایایی آن توسط 25 نفر از خبرگان با آلفای کرونباخ 0/76 تایید شد. برای تجزیه‌وتحلیل داده‌ها از آمار توصیفی و آزمونهای کولموگروف-اسمیرنوف، آزمون دوجمله‌ای و آزمون فریدمن استفاده شده است.
یافته‌ها: یافته‌ها حاکی از آن بود که 9 مولفه از 42 مولفه مدیریت ریسک در وضعیت مناسبی نیستند. این مولفه‌ها شامل 2 مولفه از مدیریت ریسک سرمایه‌گذاری، 4 مولفه از مدیریت ریسک بازار، 1 مولفه از مدیریت ریسک نقدینگی و 2 مولفه از جابجایی مدیریت ریسک تجاری هستند.
اصالت/ارزش افزوده علمی: نتایج این مطالعه نشان داد که به ترتیب در زمینه‌های مدیریت ریسک بازار، مدیریت ریسک سرمایه‌گذاری، مدیریت ریسک تجاری جابجایی و مدیریت ریسک نقدینگی ضعف‌ها و فرصت‌هایی برای بهبود وجود دارد.
کلیدواژه‌ها
عنوان مقاله [English]
Risk Management Assessment in Iranian Banking based on IFSB Guidelines
نویسندگان [English]
- Majid Feyz Arefi 1
- Maryam Hafezian 2
1 Department of System Management and Productivity, Malek Ashtar University of Technology, Tehran, Iran.
2 Department of Educational Management, Bojnourd Branch, Islamic Azad University, Bojnourd, Iran.
چکیده [English]
Purpose: This study aimed to evaluate Islamic banking risk management based on IFSB guidelines in one of the state-owned banks in North Khorasan province.
Methodology: The study is a descriptive survey, and the statistical population included branch employees, employees, and managers of different management departments of the bank. Sampling was random; the data collection tool was a questionnaire filled by 35 participants. The questionnaire used in this study is a translation of the questionnaire presented by Rosman and Abdul Rahman [30] based on the principles of the IFSB guide in 2015, the validity of which was confirmed by experts. Some editing points were applied, and its reliability was confirmed by 25 experts, with alpha Cronbach at 0.76. Descriptive statistics and Kolmogorov-Smirnov, binomial, and Friedman tests were used to analyze the data.
Findings: The results showed that 9 out of 42 components of risk management are not in good condition, including two components of investment risk management, four of market risk management, one of liquidity risk management, and two of business risk management shift.
Originality/Value: The study showed weaknesses and opportunities for improvement in market risk management, investment risk management, business transfer risk management, and liquidity risk management, respectively.
کلیدواژه‌ها [English]
- Risk Management
- Islamic Banking
- IFSB Guidelines
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