Analisis manajemen risiko pada bank syariah
Membangun keberlanjutan dalam sistem keuangan Islami
Abstract
Risk management is a key aspect of sharia banking operations, which aims to ensure operational sustainability, compliance with Islamic principles, and effective risk management. The risks faced by sharia banks include operational risks, credit, liquidity, law, reputation, strategy, markets and compliance. This analysis uses a qualitative approach where the data sources used come from books, scientific journals as well as previous research. The analysis of this investigation is that in order to manage these risks, sharia banks must adopt a proactive and cautious approach, as well as prioritize compliance with sharia principles. The importance of risk management in sharia banks is not only related to operational and financial sustainability, but also toining the confidence of customers and the general public in the sharia bank as a financial institution in line with sharia principles. Therefore, the implementation of effective risk management in accordance with the principles of Shariah becomes a must for shariah banks to maintain their stability, compliance, and reputation.
Downloads
References
Aisyah, E. N., Zuraidah, Z., & Maulayati, R. R. (2021). Risk mitigation of Covid-19 pandemic in Baitul Maal Wat Tamwil. Proceedings of the International Conference on Engineering, Technology and Social Science (ICONETOS 2020), 529, 691–696. https://doi.org/10.2991/assehr.k.210421.100
Bangsawan, M. I. (2017). Eksistensi ekonomi Islam (Studi Tentang perkembangan perbankan syariah di Indonesia). Law and Justice, 2(1), 24–34. https://doi.org/10.23917/laj.v2i1.4334
Fasa, M. I. (2016). Manajemen resiko perbankan syariah di Indonesia. Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam, 1(2).
Ihyak, M., Segaf, S., & Suprayitno, E. (2023). Risk management in Islamic financial institutions ( literature review ). 13(2). http://repository.uin-malang.ac.id/16775/
Lubis, N. R., Mutthaqin, M. S., & Sugianto. (2024). Relevansi strategi manajemen risiko pembiayaan dalam konteks perbankan syariah. 5(4), 2699–2711. https://doi.org/10.47467/elmal.v5i4.1334
Nasir, M., Safaruddin, S., Prihatin, N., Humaira, F., & Abdullah, H. (2023). Analisis kesehatan bank umum syariah berdasarkan metode RGEC terhadap profitabilitas di Indonesia. Moneter: Jurnal Akuntansi dan Keuangan, 10(1), 54–63. https://doi.org/10.31294/moneter.v10i1.13424
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
Nurafini, F. (2022). Studi perbandingan tingkat kesehatan bank antara bank syariah dan bank konvensional di Indonesia selama pandemi Covid-19. Jurnal Ilmiah Ekonomi Islam, 8(3), 2690–2699. http://dx.doi.org/10.29040/jiei.v8i3.5461
Oktaviana, U. kartika, & Handoko, M. S. (2002). Praktek manajemen risiko BPRS di Jawa Timur. 23, 218–226. Seminar Nasional dan Call for Papers: Ekonomi syariah dalam pemberdayaan sektor rill di Indonesia. http://repository.uin-malang.ac.id/13020/
Rahmawati, F., Syahpawi, S., & Nurnasrina, N. (2024). Kajian Yuridis Pengelolaan Manajemen Risiko Pada Perbankan Syariah. Money: Journal of Financial and Islamic Banking, 2(1), 69–80. https://doi.org/10.31004/money.v2i1.23805
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). http://repository.uin-malang.ac.id/16771/
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), 3383–3384. http://dx.doi.org/10.29040/jiei.v9i3.9481
Copyright (c) 2024 Ifadatul Laili Kusumaning Tyas
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.
