Analisis manajemen risiko kredit dan operasional pada perbankan syariah di era digital
Abstract
The advancement of digital technology has significantly transformed the banking industry, including Islamic banking. This transformation creates opportunities to improve efficiency and financial inclusion, but also introduces new risks, particularly credit and operational risks. This study aims to analyze the management of credit and operational risks in Islamic banking in the digital era and to identify appropriate mitigation strategies. The research uses a qualitative approach through literature review and descriptive analysis of industry reports, regulations, and risk management practices. The results show that digitalization increases credit risk complexity due to the use of alternative data and automated financing processes, which may lead to inaccurate credit assessments. Meanwhile, operational risk has also increased, especially related to cybersecurity threats, system failures, and technology-based fraud. To address these challenges, Islamic banks need to integrate digital-based risk management systems, strengthen internal controls, and improve human resource capabilities. In addition, the implementation of prudential principles and regulatory compliance plays a key role in maintaining operational stability. This study highlights the importance of adaptive and technology-based risk management frameworks for Islamic banking sustainability.
Downloads
References
Aliza, P. N., & Putri, J. (2025). Strategi Adaptasi Perbankan Syariah Di Era Digital. Jurnal Ekonomi Islam, 3(1), 40–54. Https://Doi.Org/Https://Doi.Org/10.56184/Jeijournal.V3i1.500, n.d.
Anam, H. (2023). Manajemen Risiko Operasional Bank Syariah; Teori Dan Manfaat. Jurnal At-Tamwil: Kajian Ekonomi Syariah, 5(1), 16–31. https://doi.org/10.33367/at-tamwil.v5i1.3678
Asiyah, B. N., & Subagyo, R. (2024). Manajemen Risiko Operasional Pada Bank Syariah Indonesia. Al-Kharaj : Jurnal Ekonomi , Keuangan & Bisnis Syariah, 6, 2843–2850. https://doi.org/10.47467/alkharaj.v6i2.4159
Budianto, E. W. H. (2023). Pemetaan Penelitian Risiko Operasional Pada Industri Keuangan Syariah Dan Konvensional : Studi Bibliometrik. Ekonomi Islam, 14, 158–174. https://repository.uin-malang.ac.id/15324/1/15324.pdf
Budianto, E. W. H. (2023). Pemetaan Penelitian Seputar Risiko Kredit pada Perbankan Syariah dan Konvensional : Studi Bibliometrik VOSviewer dan Literature Review. Banco: Jurnal Manajemen Dan Perbankan Syariah, 3. https://repository.uin-malang.ac.id/15324/1/15324.pdf
Fachryana, F. A. H. (2020). Manajemen Risiko Strategis Bank Syariah. Jurnal Manajemen, Ekonomi, Keuangan, Dan Akuntansi, 1(2), 61–66.
Hasib, A. (2017). Proses Manajemen Risiko Operasional Di Bni Syariah Kc Mikro Rungkut Surabaya. J U R N A L N I S B A H, 3(1), 326–336. https://doi.org/10.30997/jn.v3i1.782
Imanurrofi, S., & Sucipto, A. (2024). Variabel Moderasi Pada Perusahaan Sektor Perbankan yang Terdaftar di Bursa Efek Indonesia ( BEI ) Tahun 2018-2022. Jurnal Ilmiah Ilmu Pendidikan, 7(4), 4199–4208. https://repository.uin-malang.ac.id/18981/1/18981.pdf
Juleha. (2024). Integrasi Tanggung Jawab Etika Dalam Manajemen Risiko Operasional: Studi Pada Bank Syariah Di Indonesia. Jurnal Studi Islam Indonesia ( Jsii ), 2(2), 391–400. https://doi.org/10.61930/jsii.v2i2.974
Nestiti, I. L., Lestari, A., Manda, G. S., & Karawang. (2025). Peranan Strategi Mitigasi dalam Menghadapi Risiko Operasional Pada Perusahaan dan UMKM. Innovative: Journal Of Social Science Research, 5, 5334–5345. https://doi.org/https://doi.org/10.31004/innovative.v5i3.19324
Rahmawati, P. A., & Nisa, F. L. (2024). Analisis Manajemen Risiko Pada Bank Syariah Indonesia. Jurnal Riset Perbankan Syariah, 75–82. https://doi.org/10.29313/jrps.v3i1.4039
Rivanda, A. R. (2025). Strategi Pengelolaan Risiko Operasional Pada Bank Umum Syariah Di Indonesia. Maliki Interdisciplinary Journal (Mij), 3, 655–664. Retrieved from https://urj.uin-malang.ac.id/index.php/mij/article/view/15733
Suhaimi, A. (2021). Studi Manajemen Risiko Pada Bank Syariah Indonesia (BSI). Jurnal Manajemen Risiko, 73–78.
Syafii, I., & Siregar, S. (2020). Manajemen Risiko Perbankan Syariah. Seminar Nasional Teknologi Komputer & Sains (Sainteks), 662–665.
Wahyuningsih, S., Jasmin, & Juwono, E. (2024). Peran Strategi Manajemen Risiko dalam Mengoptimalkan Likuiditas dan Meminimalkan Risiko Kredit di Industri Perbankan di Indonesia. Sanskara Manajemen Dan Bisnis (SMB), 2(3), 156–167. https://doi.org/https://doi.org/10.58812/smb.v2i03.420
Yudi Yudiana, Didin Hafidhuddin, R. I. (2018). Pengukuran Risiko Operasional Pada Bank Syariah Indonesia (Studi Kasus Bank Syariah Xyz). Jurnal Aplikasi Manajemen Dan Bisnis, 4(2), 179–190.
Copyright (c) 2026 Nilna Alfa Faizah
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.
