Risk management strategy for the problem of borrowing money for Islamic commercial banks
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Jun 28, 2023
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Abstract
Despite the fact that Islamic banking has developed significantly over the years, corporate and financial institution risks cannot be separated. There is always a risk when Islamic banks act as financial intermediaries for Indonesian companies. Risk management helps you measure and mitigate risks and find solutions to problems. Bank Syariah Indonesia shows good progress in implementing risk management. The implementation of risk management is generally categorized into eight areas: credit risk, liquidity risk, market risk, operational risk, legal risk, compliance risk, reputation risk and strategic risk. A good implementation of risk management looks like this: Internal control processes and risk management processes must be checked during risk management. Therefore banks need to identify and manage risk management which is part of any banking system. Islamic banks are always faced with risks associated with various and complex transactions.
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How to Cite
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. https://doi.org/10.35335/enrichment.v13i2.1392
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Drs. Ismail, M. B. A. A. (2017). Perbankan Syariah.
Fakhri, U. N., & Nuriyah, A. (2022). The impacts of Covid-19 on macroeconomic indicators and the performance of Islamic banks in Indonesia. Jurnal Ekonomi & Keuangan Islam, 2022(2), 206–220. https://doi.org/10.20885/JEKI
Hassan, M. K., & Aliyu, S. (2018). A contemporary survey of islamic banking literature. Journal of Financial Stability, 34. https://doi.org/10.1016/j.jfs.2017.11.006
Karim, S., Naeem, M. A., & Abaji, E. E. (2022). Is Islamic FinTech coherent with Islamic banking? A stakeholder’s perspective during COVID-19. Heliyon, 8(9). https://doi.org/10.1016/j.heliyon.2022.e10485
Kitamura, H. (2021). Policymakers’ Logic on Islamic Banking: Islamic Banking as an Ethno-Political Tool in Malaysia. Journal of Current Southeast Asian Affairs, 40(2). https://doi.org/10.1177/1868103420972406
Lestari, M. (2020). Pengaruh Rasio Tingkat Kesehatan Bank Terhadap Profitabilitas Bank Umum Syariah dengan Pengungkapan Islamic Social Responsibility sebagai Variabel Moderating (Bank Umum Syariah di Indonesia Tahun 2014-2018). Repository, 92.
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Nabillah, S., & Oktaviana, U. K. (2022). Pengaruh Zakat, Islamic Corporate Social Responsibility Dan Good Corporate Governance Terhadap Kinerja Keuangan Bank Umum Syariah (Periode 2011-2015). Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 7(30).
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Nafi, A., & Mohd Zamzami, R. (2022). Current Advanced Research On Sharia Finance And Economic Worldwide. https://ojs.transpublika.com/index.php/CASHFLOW/
Priyadi, U., Utami, K. D. S., Muhammad, R., & Nugraheni, P. (2021). Determinants of credit risk of Indonesian Sharīʿah rural banks. ISRA International Journal of Islamic Finance, 13(3), 284–301. https://doi.org/10.1108/IJIF-09-2019-0134
Rahmawaty, A. S., & Helmayunita, N. (2021). Pengaruh Islamic Corporate Social Responsibility (ICSR) dan Sharia Governance Terhadap Kinerja Bank Umum Syariah. JURNAL EKSPLORASI AKUNTANSI, 3(4). https://doi.org/10.24036/jea.v3i4.426
Rushing, A., Bugaev, N., Jones, C., Como, J. J., Fox, N., Cripps, M., Robinson, B., Velopulos, C., Haut, E. R., & Narayan, M. (2019). Management of acute appendicitis in adults: A practice management guideline from the Eastern Association for the Surgery of Trauma. Journal of Trauma and Acute Care Surgery, 87(1). https://doi.org/10.1097/TA.0000000000002270
Saiti, B., Ardo, A. A., & Yumusak, I. G. (2022). Why non-Muslims subscribe to Islamic banking? Qualitative Research in Financial Markets, 14(2). https://doi.org/10.1108/QRFM-01-2018-0005
Sari, N. (2016). MANAJEMEN DANA BANK SYARIAH. Al-Maslahah Jurnal Ilmu Syariah, 12(1). https://doi.org/10.24260/almaslahah.v12i1.341
Sehen Issa, J., Abbaszadeh, M. R., & Salehi, M. (2022). The Impact of Islamic Banking Corporate Governance on Green Banking. Administrative Sciences, 12(4). https://doi.org/10.3390/admsci12040190
Setyowati, R., & Prabowo, B. A. (2021). Sharia principles in the financial services authority regulation on dispute settlement alternatives. Sriwijaya Law Review, 5(1). https://doi.org/10.28946/slrev.Vol5.Iss1.603.pp56-70
Sugiyono. (2017). Metode Penelitian Pendidikan Pendekatan Kuantitatif, Kualitatif dan R &D. Alfabeta.
Sugiyono. (2018). Metode Penelitian Kualitatif dan R and D. In Bandung: Alfabeta (Issue April).
Sugiyono. (2019). Metode Penelitian Kuantitatif, Kualitatif, dan R&D (1st ed.). Penerbit Alfabeta.
Trad, N., Trabelsi, M. A., & Goux, J. F. (2017). Risk and profitability of Islamic banks: A religious deception or an alternative solution? European Research on Management and Business Economics, 23(1). https://doi.org/10.1016/j.iedeen.2016.09.001
Zainur, Z. (2021). Islamic Finance and Economic Development: The Impact of the Islamic Finance Sector on Indonesia’s Economic Development. Journal of Sharia Economics, 3(1). https://doi.org/10.35896/jse.v3i1.170