Implementasi manajemen risiko pada pembiayaan di bank syariah: studi kasus pada bank syariah indonesia (bsi)
Abstract
Risk management is really important in Islamic banking, especially when dealing with financing activities, since these kinds of activities usually come with some degree of uncertainty. This study examines how risk management is implemented in the financing sector of Bank Syariah Indonesia (BSI) and looks at the role of risk management in minimizing risks associated with problematic financing. The method used is a literature review that centers on qualitative analysis by looking at scientific journal articles.The results show that managing risks is done step by step, including steps such as identifying possible risks, checking how serious they are, taking steps to deal with them, and watching them closely over time. This process helps ensure Islamic banking stays stable and allows for better, more trustworthy decisions. Also, by using prudential principles, checking if customers are a good fit, and following Sharia rules, the bank has been able to reduce risky loans and become stronger during economic difficultiesThese results show that risk management does more than just help reduce losses; it also serves as a key strategy to improve performance, build customer confidence, and make Islamic banking more competitive in the digital age. It's really important to create a solid and Sharia-compliant way to manage risks that can keep up with the changes happening in today's financial world.
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