Peran manajemen risiko dalam pengelolaan dana pihak ketiga pada lembaga keuangan syariah
Abstract
The management of Third Party Funds (DPK) is an important part of the operation of Islamic financial institutions which must be in accordance with sharia principles. Risk management plays a vital role in maintaining the security and sustainability of deposit management by anticipating liquidity, credit, operational, market, and reputational risks. This paper discusses the application of risk management in deposit management in Islamic financial institutions, starting from identification, measurement, to risk mitigation. The case study of Bank Muamalat shows that good risk management, supported by sharia governance and information technology, is able to increase customer confidence and maintain the financial stability of the institution. In conclusion, the implementation of effective risk management is essential to support the growth and sustainability of Islamic financial institutions. Therefore, improving the competence of human resources and the use of technology is a strategic step forward.
Downloads
References
Abdiel, M. G., & Khabibah, N. A. (2025). Analisis Faktor-Faktor Yang Memengaruhi Pertumbuhan Dana Pihak Ketiga Di Pt. Bank Tabungan Negara (Persero) Tbk Kantor Cabang Magelang: Peran Suku Bunga, Layanan Digital, Loyalitas Nasabah. MUARA: Multidisiplin Paradigma Journal, 2(1), 11–27.
Amelia, E., & Vanni, K. M. (2025). Penghimpunan dan Penyaluran Dana Perbankan Syariah : Peluang dan Tantangan. Jurnal Ekonomi Bisnis, Manajemen Dan Akuntansi (JEBMAK), 4(1).
Anggreni, M., & Novianty, I. (2021). Pengujian Pembiayaan Musyarakah Sebagai Variabel Intervening Antara Dana Pihak Ketiga (DPK) Terhadap Laba Bersih Pada Bank Umum Syariah Periode 2017-2019. Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, Dan Akuntansi, 13(1), 67–82. https://doi.org/10.35313/ekspansi.v13i1.2571
Cahyo, T. A. N., & Sutarto, A. (2022). Analisis Implementasi Manajemen Risiko Pada Pembangunan Museum Dan Galeri Seni SBY*ANI Dengan Hirarc (Hazard Identification, Risk Assessment, and Risk Control). Citizen : Jurnal Ilmiah Multidisiplin Indonesia, 2(1), 71–80. https://doi.org/10.53866/jimi.v2i1.28
Gultom, M. S. D., & Rokan, M. K. (2022). Problematika Perbankan Syariah: Solusi dan Strategi Digitaliasasi dalam Meningkatkan Kualitas Produk dan Layanan Perbankan. ALEXANDRIA (Journal of Economics, Business, & Entrepreneurship), 3(1), 14–20. https://doi.org/10.29303/alexandria.v3i1.175
Ihyak, M., Segaf, S., & Suprayitno, E. (2023). Enrichment: Journal of Management Risk management in Islamic financial institutions (literature review). Enrichment: Journal of Management, 13(2), 1560–1567. https://doi.org/10.35335/enrichment.v13i2.1473. http://repository.uin-malang.ac.id/16775/
Irawan, H., Dianita, I., & Salsabila Mulya, A. D. (2021). Peran Bank Syariah Indonesia Dalam Pembangunan Ekonomi Nasional. Jurnal Asy-Syarikah: Jurnal Lembaga Keuangan, Ekonomi Dan Bisnis Islam, 3(2), 147–158. https://doi.org/10.47435/asy-syarikah.v3i2.686
Kartika, M., & Andrini, R. (2024). Kegiatan Usaha Bank Syariah dan Perbedaannya Dengan Konvensional. Socius: Jurnal Penelitian Ilmu-Ilmu Sosial, 2(December), 110–115.
Khairunnisa, K., Komariah, N., Akbar, K., Mucriadin, M., & Suriati, S. (2024). Inovasi dan Tantangan Perbankan Syariah di Era Digital. Jurnal El Rayyan : Jurnal Perbankan Syariah, 3(2), 113–122. https://www.kompasiana.com/rismacamelia7530/66425533c57afb14b3580f43/inovasi-dan-tantangan-perbankan-syariah-di-era-digital
Melinda, E., & Segaf, S. (2023). Implementation of risk management in murabahah financing at BMT UGT Nusantara Pasuruan. Enrichment: Journal of Management, 13(2), 914–920. http://repository.uin-malang.ac.id/16773/
Mufti, R., Fatwa, N., Sobari, N., & Rini, N. (2025). Manajemen risiko perusahaan pembiayaan syariah di indonesia. CITIZEN: Jurnal Ilmiah Multidisiplin Indonesia, 5(1), 111–126. https://doi.org/10.53866/jimi.v5i1.660
Oktapian, M. C., & Fauzi, A. (2023). Analisa Penerapan Pengendalian Risiko Pada Pembiayaan di BMT Rahmat Kediri. Jurnal At-Tamwil: Kajian Ekonomi Syariah, 5(1), 48–62. https://doi.org/10.33367/at.v5i1.1478
Putra, P. A., Saparuddin, S., & Nurnasrina, N. (2023). Mitigasi Risiko: Analisis Terhadap Antisipasi Risiko Dalam Pembiayaan Mikro Syariah. Al-Masraf: Jurnal Lembaga Keuangan Dan Perbankan, 8(1), 62. https://doi.org/10.15548/al-masraf.v8i1.414
Putri, E., & Febrian, A. (2025). Implementasi Manajemen Risiko pada Pembiayaan Produk Gadai Syariah dalam Meningkatkan Protabilitas. Jurnal Manajemen Dan Inovasi, 6(1), 101–127.
Rufaidah, I. K., Djuwarsa, T., & Danisworo, D. S. (2021). Pengaruh DPK, CAR, BOPO, dan NPF terhadap Likuiditas pada Bank Umum Syariah. Journal of Applied Islamic Economics and Finance, 2(1), 187–197. https://doi.org/10.35313/jaief.v2i1.2912
Sudanto, S. (2024). Penerapan Manajemen Risiko Sebagai Upaya Pencegahan Pembiayaan Bermasalah Pada Bank Syariah. INNOVATIVE: Journal Of Social Science Research, 3(6), 12288–12300.
Wati, P. G., Wardana, G. K., & Holis, M. N. (2024). Penerapan Manajemen Risiko Pembiayaan Pada Perusahaan Fintech Pegadaian Syari’ah. J-Mabes: Jurnal Manajemen, Akuntansi, Bisnis Dan Studi Ekonomi Syariah, 1(2), 19–30. https://doi.org/10.61181/j-mabes.v1i2.391. http://repository.uin-malang.ac.id/19786/
Widyaningsih, B., Rahmatika, N. A., & Amarudin, A. A. (2024). Penerapan Manajemen Risiko Perbankan Syariah pada Bank Muamalat dan Bank Syariah Indonesia. REMB: Research Economics Management and Business, 2(2), 6–13.
Yanti, R. P., & Fasa, M. I. (2024). Implementasi Manajemen Risiko Kepatuhan dalam Bank Syariah Indonesia. JICN: Jurnal Intelek Dan Cendikiawan Nusantara, 1(5), 7148–7161.
Copyright (c) 2025 ALMUZAYYAD ALMUZAYYAD
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.
