Efektivitas penerapan manajemen risiko operasional di industri perbankan
Abstract
This research was conducted due to the occurrence of operational risks at Bank Aladin Syariah, which necessitated the need for effective operational risk management implementation in the institution. The aim of this study was to conduct an in-depth analysis of the implementation of operational risk management at Bank Aladin Syariah. The research method employed was a qualitative approach using secondary data or literature review. Secondary data sources included various sources such as the official website of Bank Aladin Syariah, books, journals, and related articles. The data analysis method applied was the qualitative model by Miles and Huberman. The results of the research indicated that the implementation of operational risk management at Bank Aladin Syariah has been effectively executed, as evidenced by the decrease in the BOPO ratio of Bank Aladin Syariah from 2021 to 2022.
Downloads
References
Bank Aladin Syariah Tbk. (2022). Laporan tahunan (annual report) 2022. https://aladinbank.id/uploads/2023/05/AR-ALADIN-22-1.pdf.
Fauziah, H. N., Fakhriyah, A. N., & Abdurrohman, A. (2020). Analisis risiko operasional bank syariah pada masa pandemi Covid-19. Al-Intaj: Jurnal Ekonomi Dan Perbankan Syariah, 6(2), 38–45. https://ejournal.uinfasbengkulu.ac.id/index.php/Al-Intaj/article/view/3629
Ihyak, M., Segaf, S., & Suprayitno, E. (2023). Risk management in Islamic financial institutions (literature review). Enrichment: Journal of Management, 13(2), 1560-1567. http://repository.uin-malang.ac.id/16775/
Ikatan Bankir Indonesia. (2015). Manajemen Risiko 2. Jakarta: Gramedia Pustaka.
Jaya, T. J., Meylianingrum, K., & Kholifah. (2022). Exploration of risk mitigation practices for problematic financing in Bank Wakaf Mikro’s. Al-Mashrafiyah: Jurnal Ekonomi, Keuangan, dan Perbankan Syariah, 6(2), 1-11. http://repository.uin-malang.ac.id/12941/
Jelita, W. R. S., & Shofawati, A. (2019). Manajemen risiko operasional pada PT Bank Pembiayaan Rakyat Syariah (BPRS) Jabal Nur Tebuireng di Surabaya. Falah: Jurnal Ekonomi Islam, 4(1), 69–82. https://doi.org/10.22219/jes.v4i1.8733
Khamisah, N., Nani, D. A., & Ashsifa, I. (2020). Pengaruh Non Performing Loan (NPL), BOPO dan ukuran perusahaan terhadap Return On Assets (ROA) perusahaan perbankan yang terdaftar di Bursa Efek Indonesia (BEI). TECHNOBIZ: International Journal of Business, 3(2), 18. https://doi.org/10.33365/tb.v3i2.836
Mawarni, D. J., Safitri, F. I., & Kuncoro, P. S. (2022). Manajemen resiko pada Bank Syariah Indonesia (BSI) di masa pandemi Covid-19. An-Nisbah: Jurnal Perbankan Syariah, 3(2), 105–117. https://ejournal.iaiskjmalang.ac.id/index.php/nisbah/article/view/559
Melinda, E., & Segaf, S. (2023). Implementation of risk management in murabahah financing at BMT UGT Nusantara Pasuruan. Enrichment: Journal of Management, 13(2), 914-920. http://repository.uin-malang.ac.id/16773/
Nelly, R., Siregar, S., & Sugianto, S. (2022). Analisis manajemen risiko pada bank syariah: Tinjauan literatur. Reslaj : Religion Education Social Laa Roiba Journal, 4(4), 918–930. https://doi.org/10.47467/reslaj.v4i4.1008
Putra, S. F., & Oktaviana, U. K. (2022). Financial risk and capital structure: Does it contribute to increasing the company value of Islamic banking?. M-IEC: Maliki Islamic Economics Journal, 2(1), 12-20. https://doi.org/10.18860/miec.v2i1.16586
Ryanto, N. M., & Rahmawati, Y. (2018). Manajemen Risiko Perbankan Syariah. Bandung: Pustaka Setia.
Saham Syariah Indonesia. (2024). PT Bank Aladin Syariah S (BANK) Profil dan Sejarahnya. https://syariahsaham.id/pt-bank-aladin-syariah-bank/
Sugiyono. (2018). Metode Penelitian Kualitatif (untuk penelitian yang bersifat: eksploratif, enterpretif, interaktif, dan konstruktif. Bandung: Alfabeta.
Suhaimi, A. (2021). Studi manajeman risiko pada Bank Syariah Indonesia (BSI). Jurnal Manajemen Risiko, 2(1), 73–78. https://doi.org/10.33541/mr.v2iI.3438
Syadali, M. R., Segaf, S., & Parmujianto, P. (2023). Risk management strategy for the problem of borrowing money for Islamic commercial banks. Enrichment: Journal of Management, 13(2), 1227-1236. http://repository.uin-malang.ac.id/16771/
Wisaputri, A. A. I. V., & Ramantha, I. W. (2021). Kecukupan modal, risiko kredit, rasio BOPO, dan Likuiditas pada profitabilitas bank. E-Jurnal Akuntansi, 31(7), 1692. https://doi.org/10.24843/eja.2021.v31.i07.p07
Copyright (c) 2024 Syafi' Ainul Yahya
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work’s authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
