Abstract
The existence of bank (Islamic and conventional) as an intermediary financial institution whose existence and operations are regulated by a set of rules and regulations often experiences the uncertainity in taking decisions related to bad loans caused by natural disasters. Like a coin, one hand there are the interests of the owners of capital and the other side there is a sense of humanity to reditors. It is certain that the settlement efforts should involve the appropriate authorities and require a long time. The taken Decisions often differs from the real cases. It looks not giving the sense of justice for creditors.
Keywords: Bad Loans, Regulations, and Islam.
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