Strategi pengendalian risiko dalam produk pembiayaan syariah

Studi kasus murabahah, ijarah, dan mudharabah

Authors

  • enjelita septi nurmala Program Studi Perbankan Syariah, Universitas Islam Negeri Maulana Malik Ibrahim Malang

Keywords:

Risk control, islamic financing, murabahah, ijarah, mudharabah, sharia risk management

Abstract

The Islamic finance industry in Indonesia has experienced rapid growth in recent years, driven by increasing public awareness of Islamic economic principles. Financing products such as Murabahah, Ijarah, and Mudharabah serve as primary instruments in supporting Sharia-based economic activities. However, each of these products carries distinct characteristics and risk profiles, requiring tailored risk control strategies that align with both Sharia principles and prevailing regulations. This study aims to analyze the main types of risk associated with each contract and the mitigation strategies implemented to address them. The research uses a literature review method combined with a descriptive analysis of recent empirical findings. The results indicate that Murabahah carries a high credit risk, Ijarah is exposed to operational and legal risks, while Mudharabah is vulnerable to information asymmetry and moral hazard. Risk mitigation strategies include the application of prudential banking principles, the 5C approach, asset monitoring, insurance coverage, business mentoring, and digitalization of risk management systems. Furthermore, integrating Sharia principles with global risk management standards is considered crucial for strengthening the resilience of the Islamic finance sector. This study is expected to contribute to the development of a comprehensive and Sharia-compliant risk management system within Islamic financial institutions.

Downloads

Download data is not yet available.

Downloads

Published

2025-10-10

How to Cite

nurmala, enjelita septi. (2025). Strategi pengendalian risiko dalam produk pembiayaan syariah: Studi kasus murabahah, ijarah, dan mudharabah. Maliki Interdisciplinary Journal, 3(11), 1600–1606. Retrieved from https://urj.uin-malang.ac.id/index.php/mij/article/view/15698

Issue

Vol. 3 No. 11 (2025): NOVEMBER

Section

Articles

License

Authors who publish with this journal agree to the following terms:

  • 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.