Strategi unggul dalam manajemen risiko perbankan syariah
Mengarungi gelombang tantangan dan peluang
Abstract
The rapid growth of the Islamic banking industry worldwide and the challenges it faces, such as regulatory complexity, operational risks, and changing consumer preferences. Using a qualitative approach and analyzing related literature, this article identifies key strategies that Islamic banking can use in managing risk effectively. These strategies include portfolio diversification, strengthening institutional and supervisory frameworks, developing innovative products, and public education on Islamic finance. By implementing these strategies, Islamic banking can reduce risks, take advantage of growth opportunities, and maintain financial stability. In the Indonesian context, concrete steps taken by Islamic banking in the implementation of effective and efficient risk management were also discussed. Islamic banking can play an important role in sustainable economic growth by reducing risks, strengthening customer confidence, and making positive contributions to society. Suggestions for further development include cooperation with the government, academies, and Islamic finance organizations as well as public education on Islamic finance at large.
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