Studi literatur penerapan pengendalian serta pencegahan risiko pembiayaan dalam perbankan syariah
Abstract
Islamic banks operate based on the principles of the Qur'an and Hadith with the main difference being the profit-sharing system instead of using interest. These banks offer products such as wadiah, Islamic current accounts, and financing through mudharabah and musyarakah. However, Islamic banks face various risks, especially financing risk which is the highest risk. This research aims to find out the implementation of control and prevention of financing risk in Islamic banks through literature study. Risk management in Islamic banks is important to identify, measure, monitor, and control risks. Financing risk can come from changes in customer business conditions, excessive customer commitment, and weak bank analysis. Risk control is done through identification, measurement, monitoring, and control, with the 5C principle (Character, Capacity, Capital, Collateral, Condition) as a guide. Effective risk management helps minimize losses, ensure financial integrity, and increase public confidence.
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References
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