Analisis manajemen risiko pada bank syariah dalam menghadapi ketidakpastian ekonomi
indonesia
Keywords:
Risk Manajement, Islamic Banking, Economic Uncertainty, Financial StabilityAbstract
In the current era of global economic development, which is increasingly difficult to predict, uncertainty in global economic changes characterized by market fluctuations, financial crises, shifts in monetary policy, and ongoing geopolitical conflicts in several countriesposes significant challenges to various sectors, including the Islamic banking industry. This condition increases the complexity of risks faced by financial institutions, including Islamic banks, particularly in terms of liquidity, financing, and operational aspects. This article aims to analyze the implementation of risk management in Islamic banks in dealing with economic uncertainty. The research method employed is a qualitative approach using a literature study based on scientific works and relevant regulations. The findings indicate that Islamic banks possess risk characteristics that differ from those of conventional banks, mainly because they operate based on contracts (akad) and profit sharing principles. In facing economic uncertainty, Islamic banks implement various risk management strategies such as portfolio diversification, improving the quality of financing analysis, and strengthening good corporate governance. In addition, support from regulatory authorities plays a crucial role in maintaining the stability of the Islamic banking system.
Downloads
References
Abdullah, M. W. (2022). 51-56+Manajemen+Risiko[1] ref hukum pbs. 1(2), 51–56. https://doi.org/10.46870/milkiyah.v1i2.162
As-syiva, M. H., & Saprida, E. (2025). Srategi Manajemen Resiko Dalam Menghadapi Ketidakpastian Di Pasar Global
Farid, M., & Azizah, W. (2021). Manajemen Risiko Dalam Perbankan Syariah. Muhasabatuna: Jurnal Akuntansi Dan Keuangan Islam, 3(2), 067-080.
Mardiana. (2024). PENGARUH MANAJEMEN RISIKO TERHADAP KINERJA KEUANGAN (STUDY PADA PERBANKAN SYARIAH YANG TERDAFTAR DI BEI). 2, 306–312.
Novianti, D. (2019). Pengembangan Kerangka Manajemen Risiko Pada Perbankan Syariah. Asy Syar'iyyah: Jurnal Ilmu Syari'ah Dan Perbankan Islam, 4(1), 46-67.
Siregar, F. D., Lubis, A. S., & Daulay, A. A. D. A. A. (2025). Peran Bank Syariah Dalam Stabilitas Moneter: Pendekatan Ekonomi Islam. Jurnal Ekonomi dan Bisnis, 17(1), 140-144.
Sultoni, H. (2022). Manajemen Risiko pada Bank Syariah. At-Tujjar, 10(1), 1–11.
Wahyu, E., & Budianto, H. (2023). PEMETAAN PENELITIAN RISIKO OPERASIONALPADA INDUSTRI KEUANGAN SYARIAH DANKONVENSIONAL: STUDI BIBLIOMETRIKVOSVIEWER DAN LITERATURE REVIEW. Ekonomi Islam, 14(2), 158–174.
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
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 m. sofyan rizaluddin
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.
