Implementasi manajemen risiko operasional terhadap kebocoran data nasabah pada bank syariah di Indonesia
Abstract
In the era of globalization and the ever-evolving economic dynamics, financial institutions, especially Sharia banks in Indonesia, are becoming increasingly vital. This article discusses the concept of risk management in Sharia financial institutions, particularly Sharia banks in Indonesia, and highlights the risks within the scope of Sharia banking in Indonesia. The method employed in this research involves utilizing literature analysis through a literature review technique. The risks faced by Sharia banks include credit or financing risk, market risk, liquidity risk, operational risk, legal or regulatory risk, reputation risk, strategic risk, compliance risk, yield risk, and investment risk. The risk management process, risk levels, types of risks, and risk management limits are also addressed in this article. Furthermore, the issue of data leakage in Sharia banks and the methods used to mitigate data leakage risks are also highlighted.
Keywords : Risk management, Sharia bank, types of risk, data leakage, and limit.
Downloads
References
Akbar, C., Eril., Abdullah, M. W., & Awaluddin, M. (2022). Manajemen risiko di perbankan syariah. Milkiyah: Jurnal Hukum Ekonomi Syariah, 1(2), 51-56. https://doi.org/10.46870/milkiyah.v1i2.230
Azizah, W., & Farid, M. (2021). Manajemen risiko dalam perbankan syariah. Muhasabatuna: Jurnal Akuntansi Syariah, 3(2), 67-80. https://doi.org/10.54471/muhasabatuna.v3i2.1184
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/
Jaya, T. J. (2020). Branding perbankan syariah melalui produk-produk pendanaan. Islamic Banking: Jurnal Pemikiran dan Pengembangan Perbankan Syariah, 6(1), 69-80. https://doi.org/10.36908/isbank.v6i1.133
Mardiana, M. (2018). Pengaruh manajemen risiko terhadap kinerja keuangan (Study pada perbankan syariah yang terdaftar di BEI). Iqtishoduna: Jurnal Ekonomi dan Bisnis Islam, 14 (2), 151–166. https://doi.org/10.18860/iq.v14i2.4940
Peraturan Bank Indonesia. (2011). Penerapan manajemen risiko bagi bank umum syariah dan unit usaha syariah. https://www.ojk.go.id/Files/201403/pbi_132311_1394525595.pdf
Putri, D. F., Andriani., Sari, W. R., & Nabbila, F. L. (2023). Analisis perlindungan nasabah BSI terhadap kebocoran data dalam menggunakan digital banking. Jurnal Ilmiah Ekonomi dan Manajemen, 1(4), 173-181. https://ejurnal.kampusakademik.co.id/index.php/jiem/article/view/331
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/
Syafii, I., & Siregar, S. (2020). Manajemen risiko perbankan syariah. Seminar Nasional Teknologi Komputer & Sains (SAINTEKS), 1(1), 662-665. https://prosiding.seminar-id.com/index.php/sainteks/article/view/520
Wafie, S., & Segaf, S. (2023). Pemanfaatan informasi dan teknologi dalam implementasi manajemen pengendalian risiko likuiditas di BMT UGT Nusantara. Jurnal Ilmiah Ekonomi Islam, 9(3), 3380-3388. http://dx.doi.org/10.29040/jiei.v9i3.9481
Copyright (c) 2024 Sunairah Sunairah
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.
