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All Journal Indonesian Journal of Innovation Science and Knowledge
Rizky Nofandra
Universitas Islam Nahdlatul Ulama Jepara
Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Analisis Manajemen Risiko Simpanan VIP Berhadiah BMT Mitra Muamalah Jepara Rizky Nofandra; Miswan Ansori; Ahmad Fauzan Mubarok
Indonesian Journal of Innovation Science and Knowledge Vol. 3 No. 3 (2026): IJISK 2026
Publisher : Fakultas Pendidikan Ilmu Keguruan, Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/ijisk.v3i3.233

Abstract

This study analyses the implementation of risk management in the VIP prize-linked savings product of BMT Mitra Muamalah Jepara and formulates areas for control strengthening. A descriptive qualitative case-study design was employed. Primary data were obtained through semi-structured interviews with eight informants comprising the BMT manager, funding/marketing officer, operations/finance officer, internal control officer, a member of the Sharia Supervisory Board, and three product members. The interview data were coded and organised into liquidity, operational, sharia-compliance, reputational, strategic/funding, and legal-data protection risks, and were interpreted alongside relevant sharia provisions and prior studies. The findings show that risk management has been implemented through management-approved product policies, monthly performance evaluation, cash-flow projections based on maturity schedules, daily reconciliation, segregation of duties, periodic internal audits, and Sharia Supervisory Board review. An operational input error had occurred but was detected through daily reconciliation without causing member losses. Member trust was relatively strong, although questions regarding maturity rules and the timing of gift distribution remained. Liquidity and operational risks therefore require the highest continuing attention, while sharia and reputational risks are mitigated by supervisory review and transparent communication. The study recommends formal risk appetite, measurable key risk indicators, stronger data-access controls, documented complaint standards, and scenario-based liquidity testing.
Co-Authors Ansori, Miswan Mubarok, Ahmad Fauzan