Penerapan manajemen risiko pada perbankan syariah berdasarkan regulasi Otoritas Jasa Keuangan (OJK)
Abstract
This study aims to analyze the implementation of risk management in Islamic banking based on regulations established by the Financial Services Authority (OJK). The method used in this study is a qualitative approach with a literature review, sourced from national journals and academic repositories. The results show that risk management in Islamic banks involves several stages, such as recognizing, calculating, monitoring, and controlling risks. Managed risks include financing risk, operational risk, market risk, liquidity risk, reputation risk, and risks related to compliance with Islamic principles. Good risk management implementation helps maintain financial health, improve bank performance, and strengthen customer trust. OJK regulations serve as the primary basis for ensuring the implementation of appropriate principles, through management oversight, adequate policies, and an effective internal control system. However, the implementation of risk management still faces several challenges, such as a lack of human resources, difficulty understanding complex products, and advances in digital technology that introduce new risks. Therefore, it is necessary to improve governance management, enhance human resource capabilities, and utilize information technology to support more effective risk management in Islamic banks.
Downloads
References
Abdullah, M. W. (2022). Manajemen Risiko di Perbankan Syariah. 1(2), 51–56. https://doi.org/10.46870/milkiyah.v1i2.162
Arfan, A., Saifullah, S., & Fakhruddin, F. (2016). Implementasi prinsip bagi hasil dan manajemen risiko dalam produk-produk pembiayaan perbankan syariah di Kota Malang. INFERENSI: Jurnal Penelitian Sosial Keagamaan, 10(1), 213–238. https://repository.uin-malang.ac.id/622/
Aulia, N., & Mayasari, K. (2024). Manajemen risiko reputasi pada perbankan Syariah: Studi literature review. 2(6), 1862–1867.
Dewi, A. S. (2024). Studi literatur penerapan pengendalian serta pencegahan risiko pembiayaan dalam perbankan syariah. 2(5), 1598–1604.
Doi, A., Sayyid, U. I. N., & Rahmatullah, A. (n.d.). P-ISSN 2615-4293 e-ISSN 2723-7567. 5(1), 16–31.
Ekonomika, J., Bisnis, D., Utami, L. C., & Aqil, M. (2022). Studi Literatur Penerapan Manajemen Risiko Pada Bank Syariah. 2(3).
Hakiki, M. F. (2024). Manajemen risiko bank syariah. 2(6), 1622–1635.
Huda, M. A. (2024). Manajemen risiko finansial di perbankan syariah Indonesia: Kajian literatur atas ciri-ciri pembiayaan bermasalah dan strategi penyelesaiannya. 2, 302–306.
Mahardika, S. G., Zulfikar, A. L., & Fitriah, R. R. A. (n.d.). Implementasi Manajemen Risiko Pada Perbankan Syariah di Indonesia. 1–10.
Mardiana, M. (2018). Pengaruh Manajemen Risiko Terhadap Kinerja Keuangan (Study Pada Perbankan Syariah Yang Terdaftar dI BEI). VOL.14, 151–166. https://repository.uin-malang.ac.id/7242/
Oktaviana, U. K., Miranti, T., & Ratnasari, K. (2024). Diversifikasi dan stabilitas perbankan syariah di ASEAN. https://repository.uin-malang.ac.id/21590/
Rahmawati, P. A., & Nisa, F. L. (2024). Analisis Manajemen Risiko pada Bank Syariah Indonesia. 75–82.
Suhaimi, A. (2021). Studi Manajeman Risiko pada Bank Syariah Indonesia ( BSI ). 73–78.
Syahrir, D. K., Wahyudi, I., Susanti, S., & Qizam, I. (2023). Manajemen Risiko Perbankan Syariah. 2(1), 58–64. https://doi.org/10.54259/akua.v2i1.1382
Zahira, S. N. (2025). Analisis manajemen risiko berbasis teknologi informasi pada produk E-Banking syariah. 3, 898–905.
Copyright (c) 2026 Alvin Dwi Priyambodo
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.
