Eksplorasi strategi pengelolaan risiko di bank syariah Indonesia dalam mewujudkan keuangan yang berkelanjutan
Abstract
This research discusses the risk management strategies implemented by Bank Syariah Indonesia (BSI) in order to maintain the stability and sustainability of the Islamic financial system in Indonesia. BSI, as a result of the merger of several large Islamic banks, applies sharia principles in all its activities and manages various risks, including credit, market, liquidity, operational, legal, reputation, strategic, yield, and investment risks, in a structured and sustainable manner. Risk management is carried out by referring to regulations from relevant authorities such as OJK and Bank Indonesia, and supported by internal policies based on prudential principles and sharia principles. Through this approach, BSI seeks to create a risk-aware work culture, strengthen stakeholder trust, and support sharia-based sustainable economic development. This research utilizes literature study and descriptive qualitative analysis to understand the risk management strategies and practices implemented by Islamic banks, as well as provide recommendations for effective risk management to support resilient and sustainable Islamic economic growth.
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References
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