Analisis manajemen risiko pembiayaan pada perbankan syariah
Identifikasi risiko, faktor penyebab, serta strategi penanganan pembiayaan bermasalah dalam perspektif kajian pustaka
Abstract
This study aims to analyze financing risk management in Islamic banking, focusing on risk identification, the factors causing problematic financing, and strategies for handling and resolving them. The method used in this study was a literature review, examining various journal sources related to risk management and Islamic financing. The results indicate that financing risk is a primary risk in Islamic banking activities, arising from the inability of customers to meet their obligations. Problematic financing is caused by internal bank factors, customer factors, and external conditions such as the economy and government policies. Therefore, comprehensive risk management is required through the stages of risk identification, measurement, monitoring, and control. Furthermore, preventative measures are implemented through financing feasibility analysis, the application of prudential principles, and ongoing supervision. Problematic financing is handled through financing restructuring, such as rescheduling, reconditioning, and restructuring, as well as other resolution measures. With the implementation of effective risk management, Islamic banks are expected to minimize losses and maintain sustainable financial stability.
Downloads
References
Agustin, Prof. Dr. H. (2024). Manajemen Risiko Bank Syariah (Konsep dan Aplikasi) (T. Y. Zalni, Ed.; 1st ed.). Gemilang Press Indonesia.
Aisyah, E. N., & Maharani, M. (2020). Strategi penanganan pembiayaan bermasalah pada UMKM di masa pandemi COVID-19. https://repository.uin-malang.ac.id/7767/
Arfan, A., Saifullah, & Fakhruddin. (2016). Implementasi Prinsip Bagi Hasil dan Manajemen Risiko dalam Produk-Produk Pembiayaan Perbankan Syariah di Kota Malang. 10(1), 213–238. https://repository.uin-malang.ac.id/622/
Iqbal Fasa, M. (2016). Manajemen Resiko Perbankan Syariah di Indonesia. Jurnal Studi Ekonomi Dan Bisnis Islam, I(2), 18.
Mardiana, M. (2018). Pengaruh Manajemen Risiko Terhadap Kinerja Keuangan (Study Pada Perbankan Syariah Yang Terdaftar di Bei). Iqtishoduna, 14 (2), 151–166. http://repository.uin-malang.ac.id/7242/
Mirda, S., Sani, C., Mutmainnah, & Sulfira. (2024). Manajemen Risiko Kredit Pada Perbankan Syariah. Jurnal Andromeda, 2(2), 154–162.
Mukhlishin, A. (2018). Analisis Manajemen Risiko ( Kajian Kritis Terhadap Perbankan Syariah di Era Kontemporer ). An-Nisbah: Jurnal Ekonomi Syariah, 05(1), 257–275.
Shobur Handoko, M., & Kartika Oktaviana, U. (2015). PROSIDING Seminar Nasional dan Call For Papers Ekonomi Syariah Indonesia Sebagai Kiblat Ekonomi Syariah PROSIDING (2015th ed.). Fakultas Ekonomi Universitas Negeri Malang.
Sudanto. (2024). Penerapan Manajemen Risiko Sebagai Upaya Pencegahan Pembiayaan Bermasalah Pada Bank Syariah. Journal Of Social Science Research, 3(6), 12288–12300.
Syathir Sofyan, A. (2017). Analisis Penerapan Manajemen Risiko Pembiayaan Pada Lembaga Pembiayaan Syariah. 11(2), 359–389.
Turmudi, T. (2016). Manajemen Penyelesaian Pembiayaan Bermasalah Pada Lembaga Perbankan Syariah. Jurnal Studi Ekonomi Dan Bisnis Islam, I, 12.
Copyright (c) 2026 Irene Hevy Octavia
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.
