Analisis Risiko Likuiditas Perbankan Syariah di Indonesia

  • Alfiani Farhatus Sofiah UIN Maulana Malik Ibrahim Malang

Abstract

Liquidity risk is one of the main challenges faced by Islamic banks in Indonesia. The inability to meet short-term obligations without incurring significant losses can disrupt operations and erode public trust in the stability of financial institutions. The complexity of this risk is heightened by the limited availability of Sharia-compliant liquidity instruments, including the prohibition of interest-based tools and the underdevelopment of the Islamic money market. This study aims to analyze the causes of liquidity risk in Islamic banking, assess its impact on financial performance, and evaluate liquidity management strategies and the role of regulators. Using a descriptive qualitative approach through literature review, the article finds that liquidity risk is influenced by internal variables such as ROA, ROE, and bank size, as well as external factors like economic volatility and depositor behavior. Mitigation strategies such as cash flow projection, funding diversification, and the development of Sharia-compliant liquidity instruments are essential. These findings are expected to contribute to strengthening sustainable liquidity risk management systems within Indonesia’s Islamic banking sector.

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References

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Published
2025-10-07
How to Cite
Sofiah, A. F. (2025). Analisis Risiko Likuiditas Perbankan Syariah di Indonesia. Maliki Interdisciplinary Journal, 3(12), 2188-2193. Retrieved from https://urj.uin-malang.ac.id/index.php/mij/article/view/15498
Issue
Vol 3 No 12 (2025): DECEMBER
Section
Articles

Copyright (c) 2025 Alfiani Farhatus Sofiah

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