Urgensi manajemen risiko reputasi terhadap kepercayaan nasabah bank syariah di indonesia
Abstract
In the competitive financial industry, reputation is a vital intangible asset, especially for Islamic banks that uphold the principles of fairness, honesty, and Sharia compliance. Reputation risks can arise from various internal and external factors, including ethical violations, the spread of negative information on social media, and low Islamic financial literacy. The impacts include a decline in trust, customer loyalty, and financial and social losses. Using a literature review approach, this study highlights the importance of reputation risk management strategies that include the stages of identification, assessment, mitigation, and monitoring. The role of public communication, the Sharia Supervisory Board, and the principles of Good Corporate Governance in strengthening public trust is also emphasized. Despite facing challenges related to digitalization and low public understanding of the Sharia system, Islamic banks have a significant opportunity to build an excellent reputation by emphasizing Islamic values and integrity. The results of this study confirm that reputation risk management must be an integral part of the sustainable management strategy of Islamic banks.
Downloads
References
Budianto, E. W. H. (2023). Pemetaan Penelitian Risiko Reputasi pada Perbankan Syariah dan Konvensional: Studi Bibliometrik VOSviewer dan Literature Review. Al-Masraf: Jurnal Lembaga Keuangan Dan Perbankan, 8(1), 94–113. http://repository.uin-malang.ac.id/15319/
Eccles, R. G., Newquist, S. C., & Schatz, R. (2007). Reputation and its risks. Harvard Business Review, 85(2), 104.
Fauziah, S. (2019). Manajemen Risiko Reputasi pada Perbankan Syariah Di Indonesia. EKSISBANK (Ekonomi Syariah Dan Bisnis Perbankan), 3(1), 74–80.
Hadad, M. D. (2016). POJK No. 18/POJK. 03/2016: Penerapan Manajemen Risiko Bagi Bank Umum. Jakarta: Otoritas Jasa Keuangan.
Ihyak, M., Segaf, S., & Suprayitno, E. (2023). Risk management in Islamic financial institutions (literature review). Enrichment: Journal of Management, 13(2), 1560–1567. http://repository.uin-malang.ac.id/16775/
Larah, A. D., & Siregar, M. H. (2025). ANALISIS PENERAPAN MANAJEMEN RISIKO DALAM MEMINIMALISIR FRAUD PADA PT. BANK SUMUT SYARIAH KANTOR CABANG PEMBANTU LUBUK PAKAM. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 10(1).
Maulidizen, A. (2024). Sistem Perbankan Syariah. Ekonomi Pembangunan Islam, 79.
Nugraha, D. E. (2019). Manajemen Risiko Reputasi Pada Perbankan Syariah Di Indonesia. EKSISBANK (Ekonomi Syariah Dan Bisnis Perbankan), 3(2), 100–107.
Putri, I. H. (2018). Penerapan Prinsip Good Corporate Governance (GCG) dalam Upaya Mewujudkan Visi pada PT. Bank BNI Syari’ah Cabang Palembang. Jurnal Intelektualita: Keislaman, Sosial Dan Sains, 7(2), 137–148.
Rachman, A., Sunardi, S., Rahmawati, E., Jannah, L., & Billah, S. (2023). Signifikansi Peran Dewan Pengawas Syariah Dalam Menjamin Kepatuhan Syariah Pada Bank Syariah Di Indonesia. Madani Syari’ah, 6(2), 134–146.
Ramadhan, A. Z. (2024). Peran strategis public relations dalam meningkatkan reputasi perbankan syariah di era digital. Maliki Interdisciplinary Journal, 2(12), 1529–1535.
Rini, A. R., & Hasan, I. (2022). Peran service quality dan relationship marketing terhadap loyalitas nasabah dengan kepuasan nasabah sebagai variabel intervening. Journal of Economic, Bussines and Accounting (COSTING), 6(1), 1059–1066. http://repository.uin-malang.ac.id/14516/
Sukardi, B. (2012). Kepatuhan syariah (shariah compliance) dan inovasi produk bank syariah di Indonesia. AKADEMIKA: Jurnal Pemikiran Islam, 17(2), 235–252.
Suminto, A., & Kasanah, N. (2021). Corporate Social Responsbility (Csr) Dan Islamic Banking-Service Quality (Ib-Sq) Sebagai Upaya Penguatan Brand Image Di Lembaga Perbankan Syariah. Wadiah, 5(1), 1–33.
Syadali, M. R., Segaf, S., & Parmujianto, P. (2023). Risk management strategy for the problem of borrowing money for Islamic commercial banks. Enrichment: Journal of Management, 13(2), 1227–1236. http://repository.uin-malang.ac.id/16771/
Wafie, S., & Segaf, S. (2023). Pemanfaatan informasi dan teknologi dalam implementasi manajemen pengendalian risiko likuiditas di BMT UGT Nusantara. Jurnal Ilmiah Ekonomi Islam, 9(3), 3380–3388.
Wardayati, S. M. (2011). Implikasi shariah governance terhadap reputasi dan kepercayaan bank syariah. Walisongo: Jurnal Penelitian Sosial Keagamaan, 19(1), 1–24.
Yusuf, B., & Al Arif, M. N. R. (2015). Manajemen sumber daya manusia di lembaga keuangan syariah. Rajawali Pers.
Copyright (c) 2025 Khalifaturrahman Kamarullah
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.
