Pengaruh budaya organisasi terhadap manajemen risiko operasional bank syariah
Abstract
The growth of the Islamic banking industry in Indonesia requires effective operational risk management to maintain stability and customer trust. Operational risks can arise from various factors, such as system errors, human resource negligence, and external disturbances. One important factor that influences the effectiveness of operational risk management is organizational culture. This study aims to analyze the influence of organizational culture on operational risk management in Islamic banks. The method used is a literature review with a descriptive qualitative approach, through analysis of various journals and reliable sources. The results of the study indicate that a strong organizational culture based on Islamic values, such as trustworthiness, integrity, and collaboration, plays a crucial role in shaping employees' risk-aware behavior. Organizational culture also contributes to creating a work environment that supports open communication, effective oversight, and compliance with Islamic principles. The implementation of an organizational culture aligned with Islamic principles can enhance the overall performance of the operational risk management system in Islamic banks.
Downloads
References
Abadiyah, R., & Purwanto, D. (2016). Pengaruh budaya organisasi, kompensasi terhadap kepuasan kerja dan kinerja pegawai bank di Surabaya. JBMP (Jurnal Bisnis, Manajemen Dan Perbankan), 2(1), 49–66. https://doi.org/10.21070/jbmp.v2i1.837
Anam, H. (2023). Manajemen risiko operasional bank syariah; Teori dan manfaat. Jurnal At-Tamwil: Kajian Ekonomi Syariah, 5(1), 16–31. https://doi.org/10.33367/at.v5i1.1476
Bima Ghafar, M. A. (2023). Pengaruh budaya organisasi islam dan lingkungan kerja terhadap kinerja karyawan Bank Syariah Indonesia (studi kasus Bank Syariah Indonesia kantor cabang Universitas Jember). Ijabah, 1(1), 34–45. https://doi.org/10.19184/ijabah.v1i1.290
Erlina, Safitri, A. N., Fitriani, R. A., & Djuanda, G. (2025). Analisis risiko operasional pada bank syariah.
Hanif, F., Kholidah, H., & Hijriyah, H. Y. (2023). Pengaruh kompensasi, motivasi dan budaya organisasi terhadap kinerja karyawan bank syariah “X” di Surabaya. Jurnal Ilmiah Ekonomi Islam, 9(01), 646–655.
Hasan, Y., & Ilham. (2019). Implementasi nilai-nilai islam dalam budaya organisasi Bank Syariah Mandiri kantor cabang Padang Ulak Karang. Jurnal Manajemen Dakwah, 1(1), 81–99. www.ppm.ac.id/article.php?=ms&id=734
Hastono, A. (2009). Nilai-nilai islam pada budaya organisasi.
Hestya Budianto, E. W. (2023). Pada industri keuangan syariah dan konvensional : Studi bibliometrik vosviewer dan literature review. Ekonomi Islam, 14(2), 158–174. https://repository.uin-malang.ac.id/17264/
Ithri, F. N., & Cahyono, H. (2018). Pengaruh budaya organisasi dan gaya kepemimpinan islami terhadap kinerja karyawan PT. Bank Pembangunan Daerah Jawa Timur Tbk. Bank Jatim Syariah) Kantor Cabang Surabaya, 1(2), 79–87. http://jurnalmahasiswa.unesa.ac.id/index.php/jei/
Karina, A. (2021). Penerapan prinsip-prinsip syariah islam BSI pada kantor cabang Kabupaten Bulukumba. Pharmacognosy Magazine, 75(17), 399–405.
Ni’mah, J., Kusumaningrum, B., Asiyah, B. N., & Subagyo, R. (2023). Manajemen risiko operasional pada Bank Syariah Indonesia (BSI). Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, 6(2), 2843–2850. https://doi.org/10.47467/alkharaj.v6i2.4159
Nurapiah, D. (2019). Manajemen Risiko Operasional Pada Perbankan Syariah Di Indonesia. EKSISBANK: Ekonomi Syariah Dan Bisnis Perbankan, 3(1), 66–73. https://doi.org/10.37726/ee.v3i1.14
Reza, F., & Silalahi, I. V. (2021). Pengaruh budaya organisasi terhadap kinerja organisasi. 04(01), 48–54.
Salwa, R., & Arsyadona. (2024). Pentingnya budaya perusahaan dalam mengelola risiko operasional. Musytari, 10(1).
Sarwoto, Siregar, S., & Sugianto. (2020). Studi literatur analisis risiko operasional pada perbankan syariah. Seminar Nasional Teknologi Komputer & Sains (SAINTEKS), 978-602-52720-7-3 Februari, 558–560.
Surya Persada, S. M., & Almanshur, F. (2022). Peranan budaya organisasi dalam kinerja karyawan di CV. Bratas Pratama Tuban. Jurnal Manajemen, 12(1), 109–116. https://repository.uin-malang.ac.id/13528/
Vidiarto, A., Azis, R., Mulyanto, A., Meidilah, M., & Supryanto, S. (2023). Pengaruh budaya peduli resiko dalam meningkatkan efektivitas manajemen resiko organisasi. BULLET : Jurnal Multidisiplin Ilmu, 2(4), 982–991.
Zulfa, D. S., & Safitri, R. (2022). Pengaruh budaya orgasasi dan burnout terhadap kinerja karyawan dengan kepuasan kerja sebagai variabel mediasi pada Bank Muamalat Malang. Malia (Terakreditasi), 14(1), 127–141. https://repository.uin-malang.ac.id/15048/
Copyright (c) 2025 Arina Azkia

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.



