Identifying the Banking Challenges of Qard-Al-Hasan and Providing Solutions (Case Study of Qard-Al-Hasan Resalat Bank)
Qard-Al-Hasan banking is considered as one of the models of Islamic banking And Qard-Al-Hasan Resalat Bank operates with the aim of specialized activity and promoting the tradition of Qard-Al-Hasan in the country. This research, using a mixed explanatory approach, believes that in the first stage, w...
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Imam Sadiq University
2023-10-01
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| Series: | تحقیقات مالی اسلامی (پیوسته) |
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| Online Access: | https://ifr.isu.ac.ir/article_76831_1dc072ff9ca6092ab119711ba5706068.pdf |
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| author | Mohammad Tohidi Hossein Mofidikia Milad Ansari |
| author_facet | Mohammad Tohidi Hossein Mofidikia Milad Ansari |
| author_sort | Mohammad Tohidi |
| collection | DOAJ |
| description | Qard-Al-Hasan banking is considered as one of the models of Islamic banking And Qard-Al-Hasan Resalat Bank operates with the aim of specialized activity and promoting the tradition of Qard-Al-Hasan in the country. This research, using a mixed explanatory approach, believes that in the first stage, with a quantitative method, it will extract the case study strategy and the trend analysis of various data of the financial statements of Qard-Al-Hasan Resalat Bank in a period of 8 years. And then by analyzing and reviewing the relevant tables and graphs in different fields such as the bank balance sheet, profit and loss statement, bank risk, Camels ratios and the capital market, to calculate the existing challenges. Also, in the second stage, in a qualitative way, by forming a focus group and conducting expert interviews, suitable solutions to solve the challenges are obtained, and finally, the correctness of the solutions to reduce the relevant challenges has been validated through a questionnaire.
The results show that the challenges counted based on the financial statements are five such as the challenge of the bank's investment situation, the challenge of granted facilities, the challenge of transactions, the challenge of financial leverage, the challenge of liquidity risk; In addition to analyzing and examining them, a comparison has been made under each of the challenges with the performance of Qard-Al-Hasan mehr Iran Bank. Also, based on the obtained results, suitable and operational solutions were calculated for each challenge. |
| format | Article |
| id | doaj-art-4eacf23952194ca9be7111c2a7da4b5e |
| institution | Kabale University |
| issn | 2251-8290 2588-6584 |
| language | fas |
| publishDate | 2023-10-01 |
| publisher | Imam Sadiq University |
| record_format | Article |
| series | تحقیقات مالی اسلامی (پیوسته) |
| spelling | doaj-art-4eacf23952194ca9be7111c2a7da4b5e2025-01-26T16:06:12ZfasImam Sadiq Universityتحقیقات مالی اسلامی (پیوسته)2251-82902588-65842023-10-0113339944010.30497/ifr.2023.244493.183376831Identifying the Banking Challenges of Qard-Al-Hasan and Providing Solutions (Case Study of Qard-Al-Hasan Resalat Bank)Mohammad Tohidi0Hossein Mofidikia1Milad Ansari2Faculty Member, Department of Financial Management, Faculty of Islamic Studies and Management, Imam Sadiq University, Tehran, IranPhD Student, Financial Management, Department of Financial Management, Faculty of Islamic Studies and Management, Imam Sadiq University, Tehran, Iran.A. Student, Financial Management, Department of Financial Management, Faculty of Islamic Studies and Management, Imam Sadiq University, Tehran, IranQard-Al-Hasan banking is considered as one of the models of Islamic banking And Qard-Al-Hasan Resalat Bank operates with the aim of specialized activity and promoting the tradition of Qard-Al-Hasan in the country. This research, using a mixed explanatory approach, believes that in the first stage, with a quantitative method, it will extract the case study strategy and the trend analysis of various data of the financial statements of Qard-Al-Hasan Resalat Bank in a period of 8 years. And then by analyzing and reviewing the relevant tables and graphs in different fields such as the bank balance sheet, profit and loss statement, bank risk, Camels ratios and the capital market, to calculate the existing challenges. Also, in the second stage, in a qualitative way, by forming a focus group and conducting expert interviews, suitable solutions to solve the challenges are obtained, and finally, the correctness of the solutions to reduce the relevant challenges has been validated through a questionnaire. The results show that the challenges counted based on the financial statements are five such as the challenge of the bank's investment situation, the challenge of granted facilities, the challenge of transactions, the challenge of financial leverage, the challenge of liquidity risk; In addition to analyzing and examining them, a comparison has been made under each of the challenges with the performance of Qard-Al-Hasan mehr Iran Bank. Also, based on the obtained results, suitable and operational solutions were calculated for each challenge.https://ifr.isu.ac.ir/article_76831_1dc072ff9ca6092ab119711ba5706068.pdfqard-al-hasan bankingchallenges and solutionsqard-al-hasan resalat bankexplanatory mixed methodqard-al-hasan mehr iran bank |
| spellingShingle | Mohammad Tohidi Hossein Mofidikia Milad Ansari Identifying the Banking Challenges of Qard-Al-Hasan and Providing Solutions (Case Study of Qard-Al-Hasan Resalat Bank) تحقیقات مالی اسلامی (پیوسته) qard-al-hasan banking challenges and solutions qard-al-hasan resalat bank explanatory mixed method qard-al-hasan mehr iran bank |
| title | Identifying the Banking Challenges of Qard-Al-Hasan and Providing Solutions (Case Study of Qard-Al-Hasan Resalat Bank) |
| title_full | Identifying the Banking Challenges of Qard-Al-Hasan and Providing Solutions (Case Study of Qard-Al-Hasan Resalat Bank) |
| title_fullStr | Identifying the Banking Challenges of Qard-Al-Hasan and Providing Solutions (Case Study of Qard-Al-Hasan Resalat Bank) |
| title_full_unstemmed | Identifying the Banking Challenges of Qard-Al-Hasan and Providing Solutions (Case Study of Qard-Al-Hasan Resalat Bank) |
| title_short | Identifying the Banking Challenges of Qard-Al-Hasan and Providing Solutions (Case Study of Qard-Al-Hasan Resalat Bank) |
| title_sort | identifying the banking challenges of qard al hasan and providing solutions case study of qard al hasan resalat bank |
| topic | qard-al-hasan banking challenges and solutions qard-al-hasan resalat bank explanatory mixed method qard-al-hasan mehr iran bank |
| url | https://ifr.isu.ac.ir/article_76831_1dc072ff9ca6092ab119711ba5706068.pdf |
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