Dampak fluktuasi ekonomi global terhadap manajemen risiko liquiditas pada perbankan syariah
Abstract
This study critically analyzes the impact of global economic fluctuations on liquidity risk management in Islamic banking. Amidst global uncertainty caused by financial crises, geopolitical unrest, and fluctuating exchange rates, Islamic banks face significant challenges in maintaining liquidity stability while adhering to Sharia principles, such as prohibitions against usury and speculation. Liquidity risk threatens the sustainability of bank operations and reputation, especially during a massive customer withdrawal of funds. This study employs a qualitative approach based on a literature review, exploring various secondary sources, such as scientific journals, books, official reports, and related regulations. The analysis reveals that institutional readiness, available financial instruments, and regulatory support from financial authorities strongly influence the effectiveness of liquidity risk management in Islamic banks. The study also emphasizes the importance of diversifying funding sources and strengthening the asset-liability management (ALMA) framework in accordance with Sharia principles. These findings contribute to the development of responsive, contextual risk mitigation policies that strengthen the liquidity resilience of Islamic banks amid global economic dynamics.
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