Analisis strategi mitigasi risiko pasar dalam menjaga stabilitas keuangan lembaga perbankan syariah

Authors

  • Rosyadah Rensy Dwi Murnisa Putri Program Studi Perbankan Syariah, Universitas Islam Negeri Maulana Malik Ibrahim Malang

Keywords:

market risk, islamic banking, mitigation strategy, financial stability, sharia compliance

Abstract

The fluctuating dynamics of global financial markets pose a significant challenge to Islamic banking. This study aims to analyze market risk mitigation strategies to maintain the financial stability of Islamic banking institutions through a conceptual analysis approach. The analysis shows that Islamic market risk has unique characteristics due to its direct exposure to real assets in sale and purchase contracts such as Murabahah, Salam, and Istishna, as well as the complexity of profit-sharing schemes (PLS). Furthermore, Islamic banks face challenges in the form of limited hedging instruments due to the prohibition of gharar and maysir, as well as the emergence of Displaced Commercial Risk (DCR). Recommended mitigation strategies include setting strict investment limits, portfolio diversification across sectors, utilizing Real-Time System (RTS) technology for macroeconomic monitoring, and establishing reserves such as the Profit Equalization Reserve (PER). Implementation of these strategies, supported by active supervision by the Sharia Supervisory Board (DPS), is crucial to maintaining the moral integrity and financial resilience of Islamic banks amidst global market volatility.

Downloads

Download data is not yet available.

References

Anliwiarta, Z. (2024). Mengelola risiko pasar pada perbankan syariah: Pentingnya analisis komprehensif untuk mendukung pertumbuhan.

Badawi, A., & Zarlis, M. (2021). Implementasi Real Time System Pada Industri Perbankan.

Fadli, R. E., & Adiba, E. M. (2024). Analisis Displaced Commercial Risk Pada Pt Bprs Sarana Prima Mandiri Pamekasan. 9(1).

Haryati, N. (n.d.). Pengaruh Standar Akuntansi, Transparansi, dan Kinerja Bank terhadap Profitabilitas Bank Syariah di Indonesia dengan Profit Sharing sebagai Variabel Intervensi: Tinjauan Konseptual.

Khasanah, U. (2016). Mengadopsi sistem bagi hasil sebagai budaya bangsa menjadi struktur dalam sistem keuangan dan perbankan syariah. https://repository.uin-malang.ac.id/6110/

Mardiana, M. (2018). Pengaruh Manajemen Risiko Terhadap Kinerja Keuangan Keuangan: Studi Pada Perbankan Syariah Yang Terdaftar Di BEI. Iqtishoduna: Jurnal Ekonomi Dan Bisnis Islam, 14(2), 151–166. http://repository.uin-malang.ac.id/7242/

Munawarah, S. A., & Salamah, R. (n.d.). Implementation ff Profit And Loss Sharing In Murabahah Financing At Bprs Bhakti Sumekar Madya Pamekasan.

Naomi Putri, T., & Ali, H. (2024). Strategi Inovasi Produk, Aliansi Strategis, dan Diversifikasi Portofolio Dalam Meningkatkan Kinerja Perusahaan. Jurnal Manajemen dan Pemasaran Digital, 2(2), 64–71.

Naqi, N. (2025). Analisis peran manajemen risiko dalam menjaga stabilitas keuangan syariah di tengah ketidakpastian ekonomi global.

Putri, R. F. A., Azizah, I., Awani, R., & Herdiana, D. (2025). Implementasi Prinsip-Prinsip Syariah dalam Perdagangan Saham: Studi Komparatif antara Pasar Saham Konvensional dan Syariah. 3(4).

Syahrir, D. K., Ickhsanto Wahyudi, Santi Susanti, Darwant, D., & Ibnu Qizam. (2023). Manajemen Risiko Perbankan Syariah. AKUA: Jurnal Akuntansi dan Keuangan, 2(1), 58–64. https://doi.org/10.54259/akua.v2i1.1382

Usanti, T. P. (n.d.). Pengelolaan Risiko Pembiayaan di Bank Syariah.

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://repository.uin-malang.ac.id/19786/

Downloads

Published

2026-07-08

How to Cite

Putri, R. R. D. M. (2026). Analisis strategi mitigasi risiko pasar dalam menjaga stabilitas keuangan lembaga perbankan syariah. Maliki Interdisciplinary Journal, 4(11), 772–778. Retrieved from https://urj.uin-malang.ac.id/index.php/mij/article/view/29531

Issue

Vol. 4 No. 11 (2026): NOVEMBER

Section

Articles

License

Copyright (c) 2026 Rosyadah Rensy Dwi Murnisa Putri

Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Authors who publish with this journal agree to the following terms:

  • 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.