Studi literatur manajemen risiko di perbankan syariah

Solusi menghadapi risiko kerugian

Abstract

Sharia Bank, as a sharia-based financial institution, always envisages various risks with varying levels of complexity, which are inherent in its business activities. These risks are the possibility of adverse events occurring. Risk management is crucial in efforts to anticipate and overcome problems that may arise in Islamic bank operations. In the Islamic view, losses are seen as part of Allah's inevitable provisions in business, but humans are given the freedom to plan their programs and investments by realizing that they are inherent in the business of earning a living. This research is a literature study which aims to collect references relevant to the study topic. The research results show that there are several types of risks commonly faced by sharia banking, including financing risk, benchmark risk, liquidity risk, operational risk and market risk. In managing these risks, Islamic banks must follow the precautionary principle to make it easier to identify, issue, manage and measure risks. The risk management process in Islamic banking involves steps such as risk identification, risk evaluation and measurement, and risk management. Risk management has a very important role for Islamic banks in facing increasingly tight market competition.