Efektivitas penerapan manajemen risiko dalam perbankan syariah: analisis kritis antara kepatuhan regulasi dan implementasi praktis
Keywords:
Risk Management, Islamic Banking, Effectiveness, Regulation, ImplementationAbstract
This study aims to analyze the effectiveness of risk management in Islamic banking, focusing on the gap between regulatory compliance and implementation at the operational level. Risk management plays a strategic role in maintaining the stability and operational sustainability of Islamic banks; however, its implementation in practice has not yet been fully optimized. This study employs a qualitative approach using the Systematic Literature Review (SLR) method, drawing from scientific journals and relevant regulatory documents. The analysis technique utilized is content analysis to identify patterns and empirical findings from various prior studies. The results indicate that the implementation of risk management generally meets regulatory compliance requirements but still faces various challenges, particularly regarding human resource quality, risk culture, and technological system support. Consequently, the effectiveness of risk management is deemed adequate in theory but not yet optimal in practice.
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References
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