Implementasi manajemen risiko terpadu dalam perbankan syariah

Analisis kritis dan strategi pengelolaan risiko di era kontemporer

Authors

  • Ummu Naj'la Program Studi Perbankan Syariah, Universitas Islam Negeri Maulana Malik Ibrahim Malang

Keywords:

Islamic banking, risk management, non-bank financial institutions, digital transactions, gharar

Abstract

Islamic banking and financial institutions currently face an increasingly complex risk landscape alongside the evolution of financial instruments and digital acceleration. This study critically analyzes the implementation of integrated risk management, transcending conventional discourse toward new vulnerabilities in non-bank financial institutions and digital contracts. Grounded in a qualitative library research method, this study synthesizes literature on the transformation of Islamic financial instruments, fiqh challenges in digital transactions, and the urgency of governance in fintech institutions. The findings assert that the expansion of modern instruments and technology adoption brings new uncertainty (gharar) potentials that demand a reconstruction of mitigation approaches. This study also highlights that risk mitigation is no longer sufficient with partial approaches, but requires solid cross-functional collaboration. Adaptive risk management integration in non-bank financial institutions and the strengthening of digital verification infrastructure become absolute instruments to bridge the gap between innovation and sharia compliance. This synergy not only maintains operational resilience but also ensures that digital acceleration remains rooted in justice and public good. This proves that technological adaptability and sharia compliance must go hand in hand.

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References

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Published

2026-07-10

How to Cite

Naj’la, U. (2026). Implementasi manajemen risiko terpadu dalam perbankan syariah: Analisis kritis dan strategi pengelolaan risiko di era kontemporer. Maliki Interdisciplinary Journal, 4(11), 779–784. Retrieved from https://urj.uin-malang.ac.id/index.php/mij/article/view/32713

Issue

Vol. 4 No. 11 (2026): NOVEMBER

Section

Articles

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Copyright (c) 2026 Ummu Naj'la

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