Efektivitas penerapan enterprise risk management dalam menekan risiko pembiayaan bermasalah pada bank syariah
Abstract
Enterprise Risk Management (ERM) is an integrated approach to risk management that has become increasingly important in the Islamic banking industry, particularly in reducing non-performing financing (NPF). This study aims to analyze the effectiveness of ERM implementation in minimizing the level of problematic financing in Islamic banks in Indonesia. The method employed is a qualitative approach through a literature review of national and international journals, as well as academic publications by lecturers from UIN Maulana Malik Ibrahim Malang. The results indicate that the comprehensive implementation of ERM can improve the quality of risk management, strengthen internal control systems, and significantly reduce NPF levels; however, the effectiveness of ERM is still influenced by the quality of human resources, management commitment, and the integration of risk information systems. This study implies that optimizing ERM can serve as an important strategy in maintaining the stability and sustainability of Islamic banks.
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