Group 1

case study 2
Group members

Id num

1. Mohd Najmuddin B Abu Bakar

62211115690

2. Azyan Mardhiah Bt Mat Yusof

62289214302

3. Mohd Nadzir B mohamed

Hussain

62211114364

4. Mohamad Afiq B Maulani

62212215505

5 Mohamad Sahrul Nain

62211115384

WAKALAH
Types of risk

How to mitigate

Operational risk
Misused/fraud

Knowledgeable and honest

in managing money

KAFALAH
Types of risk

How to mitigate

Credit risk
Third party is not able to pay in
behalf of principal party

must perform credit appraisal

on the guaranteed party based
on relevant internal policy prior
to the provision of kafalah
products and services
The bank must select the
guarantor properly

Market risk
The price or value of the things
have diferent value in future
so the guarantor may not able
to pay

Have a good committee

guidance in term of economic

Liquidity risk
Both borrower and guarantor my
not able to pay back to the
bank

Enforce the laws strictly

Operational risk

that the terms of the kafalah,