The answer to this question and the resolution to the problem involve systemic engineering. To solve this problem the utmost is that the commercial banks must take measures themselves to make sure large amount of NPLs will not be accumulated in the future through strengthening internal reforms and putting into place good institutional mechanism.
Inevitably this means that the business models of many Islamic financial institutions will need to be rethought. They will need to build a more broadly-based franchise than in the past. It is very likely that there will be less scope in future for smaller niche players that provide only a limited range of services.