https://journals.airsd.org/index.php/jbem <p>Journal of Business and Environmental Management (JBEM) is a double-blind refereed, open-access journal whose purpose is to serve as a platform for the dispersion of research and theory for scholars, professionals, and policy experts around the globe. The journal collects original research papers on the most current developments in business management and environmental management for sustainable development and environmental mitigation. Additionally, research into innovative approaches and strategies is encouraged. Experimental and numerical research, as well as research into current advances, the state of the art, and upcoming breakthroughs in these sectors are strongly welcomed. Particular disciplines include, but are not limited to:</p> <ul> <li>Business innovation and entrepreneurship</li> <li>Climate Change Adaptation</li> <li>Consumer Behavior</li> <li>Corporate social responsibility</li> <li>E-commerce and social commerce</li> <li>Enterprise management, human resource management</li> <li>Environment Protection</li> <li>Environment Sustainability Environmental Management Sustainability Management</li> <li>Environmental Resources Management</li> <li>Information management, project management</li> <li>Society and Environment Natural Resource Management</li> <li>Supply chain management</li> <li>Sustainable Consumption and Production</li> <li>Sustainable Development</li> <li>Sustainable Economic Development</li> </ul> Ali Institute of Research and Skill Development (AIRSD) en-US Journal of Business and Environmental Management 2959-4243 https://journals.airsd.org/index.php/jbem/article/view/467 <p><em>This study examines the relationship between credit risk management and mortgage performance in the Islamic banking sector of Pakistan, focusing on risk mitigation strategies and risk management techniques. This study uses a cross-sectional explanatory design to examine the link between credit risk management and mortgage performance in Islamic banks. Data from 55 respondents at Meezan Bank and Bank of Islami were collected via questionnaires and analyzed using SPSS. Reliability (Cronbach’s Alpha &gt; 0.6) and validity (Content Validity Index) ensured accuracy. The analysis highlights significant relationships between various factors and mortgage performance in Islamic banks. A strong positive correlation exists between risk mitigation and mortgage performance (r = 0.771, P &lt; 0.01). Similarly, credit scores show a robust link with provisions to total advances and non-performing loans to total advances (r = 0.373, P &lt; 0.05). Financial stability correlates positively with mortgage performance indicators (r = 0.311, P &lt; 0.001). Risk management techniques—transfer risk (r = 0.253, P &gt; 0.05), analysis risk (r = 0.343, P &lt; 0.05), and diversification risk (r = 0.399, P &lt; 0.01)—demonstrate significant positive effects on mortgage performance. These findings underscore the importance of credit evaluation and effective risk management in enhancing mortgage outcomes. The findings suggest that effective credit risk management practices contribute positively to mortgage performance in Islamic banks, highlighting the importance of robust risk mitigation strategies. Enhanced credit risk management can potentially lead to improved financial stability for borrowers and lenders in the Islamic banking sector, thereby promoting economic resilience. This study contributes to the understanding of how credit risk management impacts mortgage performance specifically within Islamic banking contexts in Pakistan, offering insights for practitioners and policymakers.</em></p> Muhammad Saeed Iqbal Aqsa Iqbal Bushra Riaz Mohsin Ali Sheeza Tahir Copyright (c) 2024 Journal of Business and Environmental Management https://creativecommons.org/licenses/by/4.0 2024-11-28 2024-11-28 3 1 1 30