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Isra Hayati
Universitas Muhammadiyah Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Public Health Social Sciences Other

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Journal : Jurnal AKMAMI (Akuntansi Manajemen Ekonomi)

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Analisis Manajemen Risiko Pembiayaan Kpr Griya Dengan Akad Murabahah Pada Bank Syariah Indonesia Kc Medan Gajah Mada Cut Ernita Julistia; Isra Hayati
Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Vol. 3 No. 3 (2022): SEPTEMBER
Publisher : CERED Indonesia Institute

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Abstract

This study aims to determine the risks that occur in financing Griya Home Ownership Loans for murabaha contracts, find out the application of risk management and find out the obstacles that occur at Bank Syariah Indonesia KC Medan Gajah Mada. The research approach used is a qualitative research method with a descriptive approach. The Data Collection Techniques used in this study are observation, interviews, documentation, and literature studies. The data validity technique uses the triangulation method. Respondents in this study consisted of Consumer Banking Relationship Manager and Admin Micro Powning Staff. The results showed that the risks that occurred at Bank Syariah Indonesia KC Medan Gajah Mada in financing home ownership loans under the Murabaha contract were financing or credit risks, operational risks, and market risks caused by bad debts, the existence of defaults and changes in market variables but rarely occur. The implementation of risk management is carried out by following the guidelines of Bank Indonesia regulation No.11/25/PBI/2009, Article 4 Paragraph 3 for Islamic Commercial Banks is required to apply four types of risk, namely Credit or financing risk, market risk, liquidity risk, and operational risk.
Co-Authors Abu Yazid Raisal Adha, Wahyuni Afif, M. Naufal Ahmad Afandi Ahmad Affandi Akmal Shah Alfi Amalia Amelia Rizky Ananda, Runi Andrew Satria Lubis Angelia Azira Anisyah Afifah Annisa Salwa, Alya Arwin Juli Rakhmadi Arwin Juli Rakhmadi Arwin Juli Rakhmadi Butar-Butar, Arwin Juli Asmuni Astri Astri Astri Astri Aurel, Vira Aushaf Assegaf, M. Naufal Ayna Azzahra Azhara siregar, Putriyani Azwabi, Hariz Madani Badawi, Afif Basyar, Hibban Basyir, Muhammad Fiqry Budhi Oktavia Budi Prihatin, Titis Capakia, Suraya Chossy Wiratama Cut Ernita Julistia Dea Adilla Elsa Dedek Hardianti Saragih Dessy Ariani Hasibuan Devi, Syahrani Dian Novianti Sitompul Efrina Sipayung Ellisa Fitri Tanjung Erlangga Sidiq Fachrul Rozi Lubis Fachrur Razy Aksana Fadhillah, Rini Faisal Rahman Dongoran Fany, Nicole Theo Fath, Muhammad Ali Radja Ferry Rian Maulana Fia Novita Fitra Sulistina Wati Fitri, Ridatul Fizia Marsa, Thirtiwi Frisca, Syifa Hamdani, Lukman Hamdi Mnl, Al Hilal Hani Nursafwa Harahap, Fikri Rizalsyah Hariyadi Putraga Hasrian Rudi Setiawan Hastuti Olivia Indah Pratiwi Indah Pratiwi Iqbal Rusli Juita Rahmadani Manik Julia Rafika Karlina, Betalia Kijai, Raja David Indra Luh Putu Ratna Sundari Lukman Hamdani Luthfi Alamsyah M Fadhil Pangestu M Fauzi Hasibuan Maharani, Annisa Maida Sari, Vivi Mariska, Septiara Dwi Melia Rizky Mella, Sinta Misda MMSI Irfan ,S. Kom Muhammad Ali Radja Fath Muhammad Arifin Lubis Muhammad Arifin Lubis Muhammad Hidayat Muhammad Hidayat Muhammad Rizky Ramadhan Mutiah Khaira Sihotang Najiyullah Subhani Lubis Nur Natasha Putri, Hartika Nurhakiki Nurul Zahriani Jf Nurul Zahrianti Jf Pangestu, M Fadhil Prananda, Yoga Putri, Naila Rahma, Sabila Rahmayati Rahmayati, Rahmayati Raja David Indra Kijai Ramadhani, Adellya Sagita Ridatul Fitri Riska Amelia Rizky Ramadhan, Rizky Rizky, Melia Ruzky, Uun Dwi Sabila Hawani, Yasmine Saherawati Br Sipayung Saidatul Mardiyah Saparuddin Siregar saparuddin siregar siregar Sapitra Andani Sarah Sitompul Sari, Afnila Sarwo Edi Setti Werian Dani, Giya Sharzia Adewirza Shiddiqi, Syehnaz Sahin Sihotang, Mutiah Khaira Silvi Rahmayani Hasibuan Silvia Febrianti SITI FATIMAH Siti Mujiatun Suci Fitria Susilawati Susilawati Syahrani Devi Syahrul Amsari Syahrul Amsari Syahrul Amsari Syahrul Amsari Syamsir Syamsir Thufail, Muhammad Daffa Ulya, Iffatul Uswah Hasanah Uswah Hasanah Uun Dwi Ruzky Wahyudi, Andre Werry Darta Taifur Widia Astuty Wira Anggara Hadi Jamak Wira Handika Yuli Yuli Yanti Siregar Zailani Zailani Zailani Zailani Zailani Zailani Zulfikar, Muhammad Rofi