Mewujudkan Stabilitas Keuangan Perbankan Syariah melalui Optimalisasi Manajemen Aset dan Liabilitas
Abstract
Sharia banking in Indonesia faces big challenges in managing assets and liabilities in the era of globalization and developments in information technology. This article discusses the importance of asset and liability management (ALMA) in the context of Islamic banking, which functions to optimize the use of funds and ensure financial stability. By using an approach based on sharia principles, ALMA helps banks manage risk and improve asset quality, which is crucial for attracting customers. The application of fund gap management techniques is relevant in maintaining a balance between assets and liabilities. The research results show that effective management can maximize profits while adhering to sharia principles, so that sharia banks can operate sustainably in a competitive industry
Downloads
References
Al-Ghifari, A. D., & Siregar, P. A. (2023). Analisis Penerapan Konsep Asset And Libality Management dengan Sistem Perbankan Syariah di Indonesia. VISA: Journal of Vision and Ideas, 3(3). https://doi.org/10.47467/visa.v3i3.5496
Indra, F. S., Handayani, A. L., & Wafiyah, N. H. I. (2022). Analisis Asset Dan Liabilitas Manajemen Perbankan Syariah Terhadap Pengaruh Pembiayaan Di Bank Syariah. Al-Bayan: Jurnal Hukum Dan Ekonomi Islam, Vol. 2(1).
Muslina, R. N. dan. (2016). Analisis Kesesuaian Konsep Asset And Liability Management (Alma) dengan Sistem Perbankan Syariah. Media Syari’Ah, 18(2).
Raranta, R. (2020). STRATEGI PERBANKAN SYARIAH DALAM MANAJEMEN ASET DAN LIABILITAS. Tamwil, 6(2). https://doi.org/10.31958/jtm.v6i2.2669
Riyadi, S. (2006). BANKING ASSETS AND LIABILITY MANAGEMENT (3rd ed.). Lembaga Penerbit Fakultas Ekonomi Universitas Indonesia.
Siregar, A. R., & Siregar, P. A. (2024). Manajemen Aset dan Liabilitas dalam Bank Syariah: Analisis Komprehensif Institusi Keuangan Berprinsip Syariah. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 5(3). https://doi.org/10.47467/elmal.v5i3.6094
Suswati, Oktaviana, D., Diana, & Suprianik. (2024). Aset Dan Liabilitas Manajemen Perbankan Pada Pembiayaan Mudharabah Dan Musyarakah . Gudang Jurnal Multidisiplin Ilmu , 2.
Copyright (c) 2025 Nidaul Husnia
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work’s authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
