Optimalisasi Manajemen Risiko Syariah: Tantangan dan Strategi Lembaga Keuangan Syariah
DOI:
https://doi.org/10.70550/pelita.v1i3.74Keywords:
Manajemen Risiko Syariah, Lembaga Keuangan Syariah, Tawhid String Relationship (TSR), Risiko Kredit, Likuiditas, Kepatuhan SyariahAbstract
Lembaga keuangan syariah (LKS) telah mengalami pertumbuhan pesat, namun menghadapi tantangan signifikan dalam manajemen risiko, termasuk risiko kredit, likuiditas, operasional, dan kepatuhan syariah. Penelitian berupa konseptual paper ini yang bertujuan untuk menganalisis penerapan manajemen risiko berbasis syariah di LKS dengan fokus pada dampak risiko kredit dan likuiditas terhadap kinerja, serta pengaruh pengelolaan risiko kepatuhan syariah terhadap reputasi lembaga. Pertanyaan penelitian meliputi bagaimana LKS menerapkan manajemen risiko syariah, dampak risiko kredit dan likuiditas, pengelolaan risiko kepatuhan syariah, serta tantangan pengelolaan risiko operasional. Penelitian ini menggunakan metode tinjauan pustaka dari berbagai sumber ilmiah yang relevan. Berdasarkan hasil penelitian, manajemen risiko syariah harus berlandaskan pada teori Tawhid String Relationship (TSR) dan prinsip Al-Ghorm Bil Ghurmy serta Al-Kharaj Bil Dhaman. Risiko kredit dan likuiditas sangat mempengaruhi kinerja keuangan LKS, sementara pengelolaan risiko kepatuhan syariah berdampak signifikan pada reputasi lembaga. Pengelolaan risiko operasional menghadapi tantangan tambahan terkait kompleksitas kepatuhan syariah dan penerapan teknologi. Implikasi praktis dari penelitian ini adalah memberikan panduan bagi LKS dalam mengembangkan strategi manajemen risiko yang lebih efektif. Keterbaruan penelitian ini terletak pada eksplorasi integrasi prinsip syariah dengan manajemen risiko, yang memberikan wawasan baru bagi investor dan pembuat kebijakan dalam memahami pentingnya menjaga kepercayaan publik terhadap industri keuangan syariah.
Downloads
References
Abbas, F., & Ali, S. (2021). Economics of Loan Growth, Credit Risk and Bank Capital in Islamic Banks. Kybernetes, 51(12), 3591–3609. https://doi.org/10.1108/k-03-2021-0232
Abedifar, P. (2023). Formalism versus purposivism in Islamic jurisprudence: the case of Islamic finance law. Religions, 14(4), 465.
Afkar, T., Utomo, S. P., Miradji, M. A., & Hariawan, F. (2020). The ROLE OF PROFIT-LOSS SHARING IN DEVELOPMENT of MSMEs. International Journal of Economics Business and Accounting Research (Ijebar), 4(01). https://doi.org/10.29040/ijebar.v4i01.944
Ahmed, H. (2014). Islamic Banking and Shari’ah Compliance : A Product Development Perspective. Journal of Islamic Finance, 3(2), 15–29. https://doi.org/10.12816/0025102
Balushi, Y. Al, Locke, S., & Boulanouar, Z. (2019). Omani SME Perceptions Towards Islamic Financing Systems. Qualitative Research in Financial Markets, 11(4), 369–386. https://doi.org/10.1108/qrfm-06-2018-0078
Benaicha, M. (2020). An Analysis of the Normative Parameters of Reward and Risk in Islamic Finance. Isra International Journal of Islamic Finance, 12(3), 303–323. https://doi.org/10.1108/ijif-07-2019-0100
Bhatti, M. (2019). Managing Shariah Non-Compliance Risk via Islamic Dispute Resolution. Journal of Risk and Financial Management, 13(1), 2. https://doi.org/10.3390/jrfm13010002
Chamberlain, T. W., Hidayat, S. E., & Khokhar, A. R. (2020). Credit Risk in Islamic Banking: Evidence From the GCC. Journal of Islamic Accounting and Business Research, 11(5), 1055–1081. https://doi.org/10.1108/jiabr-09-2017-0133
Diantanti, N. P., Trimulato, T., Mahriani, E., Nugroho, L., Shaleh, M., Supatminingsih, T., Faujiah, A., Rachmawati, E., Jumiati, E., Isnandar, F. R., Bahri, S., Djuanda, G., Sudarmanto, E., & Saravistha, D. B. (2021). Pengantar Bisnis Islam (Tinjauan Konsep dan Praktis). In Widina Bhakti Persada Bandung. Widina Bhakti Persada Bandung.
El-Halaby, S., & Hussainey, K. (2016). Determinants of Compliance With AAOIFI Standards by Islamic Banks. International Journal of Islamic and Middle Eastern Finance and Management, 9(1), 143–168. https://doi.org/10.1108/imefm-06-2015-0074
Fakhrunnas, F., Astuti, R. D., & Anto, M. B. H. (2022). Determinants of Non-Performing Financing in Indonesian Islamic Banks: A Regional and Sectoral Analysis. Banks and Bank Systems, 17(4), 72–86. https://doi.org/10.21511/bbs.17(4).2022.07
Hakimi, A., Boussaada, R., & Hamdi, H. (2020). The Interactional Relationships Between Credit Risk, Liquidity Risk and Bank Profitability in MENA Region. Global Business Review, 23(3), 561–583. https://doi.org/10.1177/0972150919879304
Haryono, Y., Ariffin, N. M., & Hamat, M. (2016). Factors Affecting Credit Risk in Indonesian Islamic Banks. Journal of Islamic Finance, 5(1), 12–25. https://doi.org/10.12816/0027649
Ishak, M. S. I. (2023). Risk-Taking in Islamic Debt Financing: Maqasid Perspective. Journal of Management and Muamalah, 13(2), 1–11. https://doi.org/10.53840/jmm.v13i2.150
Ishak, M. S. I., & Mohammad Nasir, N. S. (2023). The Applicability of Islamic Crowdfunding as an Alternative Funding for Micro-Entrepreneurs in Malaysia. Qualitative Research in Financial Markets, 16(3), 548–564. https://doi.org/10.1108/qrfm-12-2022-0202
Jainuri, A., Nugroho, L., & Mardoni, Y. (2023). Fenomenologis Pinjaman Online di Kalangan Mahasiswa Santri Pondok Fenomenologis Pinjaman Online di Kalangan Mahasiswa Santri Pondok Pesantren Al Falah Mojokerto , Jawa Timur. MENAWAN: Jurnal Riset Dan Publikasi Ilmu Ekonomi, 1(6), 290–307. https://doi.org/10.61132/menawan.v1i6.171
Kasi, B. R., & Mahmood, N. (2019). Composition and Working of the Sharia Supervisory Boards in Bahrain’s Islamic Banks. Economy, 6(2), 76–81. https://doi.org/10.20448/journal.502.2019.62.76.81
Lelis, C., Muega, N. P. S., & Caballero II, J. K. T. (2023). Exploring the General Knowledge of Islamic Finance Principles: A Factor Analysis Study Among College Students. International Journal of Finance Research, 4(3), 238–250. https://doi.org/10.47747/ijfr.v4i3.1409
Lisa, O., Nugroho, L., Ildiko, O., Utami, W., & Nugraha, E. (2023). The Performance of Islamic Microfinance Institutions in the COVID-19 Pandemic : Is Asset Quality Important ? Sosyoekonomi, 31(58), 145–160. https://doi.org/10.17233/sosyoekonomi.2023.04.07
Melzatia, S., Mahroji, Wahyudi, I., & Nugroho, L. (2023). Analysis of the Ideal Sukuk Structure from the Perspective of Maqasid Sharia of Wealth (Indonesia Case). International Journal of Commerce and Finance, 9(1), 21–39.
Minhajuddin, G. (2020). The Primary Modes of Islamic Finance: A Critical Analysis. Global Economics Review, 3, 173–186.
Neifar, S., Salhi, B., & Jarboui, A. (2020). The Moderating Role of Shariah Supervisory Board on the Relationship Between Board Effectiveness, Operational Risk Transparency and Bank Performance. International Journal of Ethics and Systems, 36(3), 325–349. https://doi.org/10.1108/ijoes-09-2019-0155
Nugroho, L. (2022a). Akad Murabahah. In Akad-Akad Bank Syariah (pp. 1–15). FEBI IAIN Lhokseumawe. https://www.academia.edu/46801467/_Makalah_Akuntansi_syariah_Akad_murabahah
Nugroho, L. (2022b). The Concept of Accounting in Islamic Bank (Indonesia Empirical Cases). In N. M. Alsharari (Ed.), Banking and Accounting Issues (pp. 27–40). IntechOpen. https://books.google.co.id/books?hl=en&lr=&id=YimIEAAAQBAJ&oi=fnd&pg=PA27&ots=7vnWxQuFGe&sig=Qu03j8-CfTXC30-nmQn19p9y9oM&redir_esc=y#v=onepage&q&f=false
Nugroho, L. (2023a). ASSET AND LIABILITY COMMITTEE (ALCO) SUPPORT. In MANAJEMEN TREASURY (p. 71). Get Press Indonesia.
Nugroho, L. (2023b). Reshaping the Mindset of Halal Entrepreneurs Toward Sustainable Business: The Case of Indonesia. In L. Raimi, S. M. Adekunle, & M. S. Shabbir (Eds.), Contemporary Discourse of Halal and Islamic Entrepreneurship: Trends and Future Opportunities (pp. 207–221). Springer Nature.
Nugroho, L., Fachri, S., AR, D. P., Fakhrurozi, M., Sentosa, D. S., Aziz, L. H., Nugroho, M., Atiah, I. N., Akbar, T., Sari, S. P., Koni, A., & Hasan, S. S. El. (2024). MANAJEMEN INVESTASI SYARIAH. In CV WIDINA MEDIA UTAMA. CV WIDINA MEDIA UTAMA.
Nugroho, L., & Mariyanti, T. (2021). Discourses of Islamic Performance Ratio Based on Tawhid String Relationship. Journal of Islamic Economics & Social Science (JIESS), 2(1), 44–52. https://doi.org/https://doi.org/10.22441/jiess.2021.v2i1.005
Nugroho, L., Meiwanto Doktoralina, C., Indriawati, F., Safira, S., & Yahaya, S. (2020). Microeconomics and Tawhid String Relation Concept (TSR). International Journal of Economics and Business Administration (IJEBA), 8(3), 293–306. https://doi.org/10.35808/ijeba/516
Nugroho, L., Melzatia, S., Nugraha, E., & Setiawan, A. (2023). Concerning Climate Change : Assessing the Potential of Islamic Business Entities to Promote Environmental Sustainability. Proceeding of The First International Annual Conference on Economics, 170–177.
Nugroho, L., Nugraha, E., & Badawi, A. (2020). The Determinant of Islamic Performance Ratio: Do Financing Deposit Ratio, Financing Quality, and Return on Asset Ratio Matters? Global Review of Islamic Economics and Business, 8(2), 113–122.
Pappas, V., Ongena, S., Izzeldin, M., & Fuertes, A.-M. (2016). A Survival Analysis of Islamic and Conventional Banks. Journal of Financial Services Research, 51(2), 221–256. https://doi.org/10.1007/s10693-016-0239-0
Rosenbaum, M. S., & Russell‐Bennett, R. (2020). Editorial: Bringing Socially Unacceptable Services Into Services Marketing. Journal of Services Marketing, 34(7), 885–887. https://doi.org/10.1108/jsm-07-2020-0295
Saffari, S. (2023). Tawhid Paradigm and an Inclusive Concept of Liberative Struggle. Religions, 14(9), 1088.
Samsudin, A. R., Mukhlas, O. S., & Rusyana, A. Y. (2024). Prospek Masa Depan Dual Banking System Dalam Konteks Globalisasi Ekonomi Syariah. Eco-Iqtishodi: Jurnal Ilmiah Ekonomi Dan Keuangan Syariah, 6(1), 59–78.
Setyagustina, K., Mardhiah, A., Yusuf, M., Salahuddin, S., Khotib, W., Nurarifah, R., Yusra, I., Wiraswanti, I., Riyaldi, M. H., Atiningsih, S., Rustandi, N., Rachmawati, D. W., & Nugroho, L. (2024). MANAJEMEN KEUANGAN SYARIAH (KONSEPTUAL, LANDASAN DAN MEKANISME). In CV WIDINA MEDIA UTAMA. CV WIDINA MEDIA UTAMA.
Tijjani, B., Ashiq, M., Siddique, N., Khan, M. A., & Rasul, A. (2020). A Bibliometric Analysis of Quality Research Papers in Islamic Finance: Evidence From Web of Science. Isra International Journal of Islamic Finance, 13(1), 84–101. https://doi.org/10.1108/ijif-03-2020-0056
Ullah, K., Ashfaque, M., Atiq, M., Khan, M. N., & Hussain, A. (2023). Shariah Capabilities and Value Propositions of Islamic Banking. International Journal of Islamic and Middle Eastern Finance and Management, 16(4), 701–715. https://doi.org/10.1108/imefm-12-2019-0518
Wani, A. S., & Dar, S. H. (2022). Prospects of Sharia Governance in Islamic Finance Industry: Jurisdictions, Standards, and Implications. Talaa Journal of Islamic Finance, 2(1), 21–32. https://doi.org/10.54045/talaa.v2i1.523
Widiastuti, T., Robani, A., Sukmaningrum, P. S., Mawardi, I., Ningsih, S., Herianingrum, S., & Al-Mustofa, M. U. (2022). Integrating sustainable Islamic social finance: An Analytical Network Process using the Benefit Opportunity Cost Risk (ANP BOCR) framework: The case of Indonesia. PloS One, 17(5), e0269039. https://doi.org/10.1371/journal.pone.0269039
Downloads
Published
Issue
Section
License
Copyright (c) 2024 Lucky Nugroho (Author)
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
