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All Journal MEDIA KONSERVASI Jurnal Pengolahan Hasil Perikanan Indonesia Islam Futura Jurnal Ilmiah Peuradeun Qanun Medika - Medical Journal Faculty of Medicine Muhammadiyah Surabaya JMM (Jurnal Masyarakat Mandiri) PAUD Lectura: Jurnal Pendidikan Anak Usia Dini Jurnal Teknik Informatika UNIKA Santo Thomas JURNAL PENDIDIKAN TAMBUSAI JOURNAL OF SCIENCE AND SOCIAL RESEARCH JURNAL MATHEMATIC PAEDAGOGIC Journal of Humanities and Social Studies PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat M A T H L I N E : Jurnal Matematika dan Pendidikan Matematika Komunikologi: Jurnal Pengembangan Ilmu Komunikasi dan Sosial JURNAL PEMBELAJARAN DAN MATEMATIKA SIGMA (JPMS) Abdi Laksana : Jurnal Pengabdian Kepada Masyarakat Jounal of Education and Teaching (JET) Journal of Sharia Economics JIMEBIS Jurnal Citra Pendidikan Jurnal Teknik Informatika Unika Santo Thomas (JTIUST) Jurnal Kiprah Pendidikan JURNAL CURERE Curricula : Journal of Teaching and Learning Aurelia: Jurnal Penelitian dan Pengabdian Masyarakat Indonesia Jurnal Citra Pendidikan Anak Indonesian Research Journal on Education SATUKATA: Jurnal Sains, Teknik, dan Studi Kemasyarakatan Innovative: Journal Of Social Science Research Sintaks: Jurnal Bahasa dan Sastra Indonesia Jurnal Pemberdayaan Nusantara Jurnal Pendidikan Profesi Guru Jurnal Pengabdian Nasional (JPN) Indonesia jle Prosiding Seminar Nasional Unimus International Journal of Islamic Economics (IJIE) Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Jurnal Wicara Desa Tarim : Jurnal Islamic Education Jurnal kiprah pendidikan Jurnal Citra Pendidikan
Nilam Sari
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Journal : Islam Futura

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MANAGING FINANCING RISK OF ISLAMIC BANKING PRODUCTS IN INDONESIA: A VALUE AT RISK APPROACH Sari, Nilam; Ibrahim, Azharsyah; Muzammil, Muzammil; Muksal, Muksal
Islam Futura Vol 24, No 1 (2024): Jurnal Ilmiah Islam Futura
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jiif.v24i1.17693

Abstract

This study aims to assess the potential risk and anticipated returns of equity and debt-based financing products in Islamic banking in Indonesia, represented by the three most prevalent contracts: musharakah, mudharabah, and murabahah. Data was collected from banks' monthly financial reports published on the Indonesia Financial Service Authority (OJK) website from 2014 to 2020, resulting in 82 observations. Data analysis was conducted using the Value at Risk (VaR) method with the variance-covariance approach. Among many methods, VaR is one of the most popular techniques that yields the most comprehensive results in measuring risk and return. The findings reveal that, in general, all equity and debt-based financing yielded stable risk and returns. However, equity-based financing produced higher returns, but also generated higher risks due to its uncertain nature. The results also demonstrate that risk management in Islamic banks improved gradually during the observation period, as indicated by the average score of portfolio combinations. These findings suggest that Islamic banks should balance their product offerings between equity-based financing and debt-based financing while simultaneously strengthening risk management, especially for murabahah products in equity-based financing.
MANAGING FINANCING RISK OF ISLAMIC BANKING PRODUCTS IN INDONESIA: A VALUE AT RISK APPROACH Sari, Nilam; Ibrahim, Azharsyah; Muzammil, Muzammil; Muksal, Muksal
Islam Futura Vol 24 No 1 (2024): Jurnal Ilmiah Islam Futura
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jiif.v24i1.17693

Abstract

This study aims to assess the potential risk and anticipated returns of equity and debt-based financing products in Islamic banking in Indonesia, represented by the three most prevalent contracts: musharakah, mudharabah, and murabahah. Data was collected from banks' monthly financial reports published on the Indonesia Financial Service Authority (OJK) website from 2014 to 2020, resulting in 82 observations. Data analysis was conducted using the Value at Risk (VaR) method with the variance-covariance approach. Among many methods, VaR is one of the most popular techniques that yields the most comprehensive results in measuring risk and return. The findings reveal that, in general, all equity and debt-based financing yielded stable risk and returns. However, equity-based financing produced higher returns, but also generated higher risks due to its uncertain nature. The results also demonstrate that risk management in Islamic banks improved gradually during the observation period, as indicated by the average score of portfolio combinations. These findings suggest that Islamic banks should balance their product offerings between equity-based financing and debt-based financing while simultaneously strengthening risk management, especially for murabahah products in equity-based financing.
Co-Authors Abdullah Agustin, Melly Al-Aqsha, L. Moh. Riri Rivari Alawiyah, Fitri anim anim Anim Anim Apriyanto, Ade Arista, Sintha Wahyu Aswanda, M. Razi As’ari, Hasim Atman, B. Eggy Tamara Azharsyah Ibrahim Azimah Dianah Budi Wiati, Catur Daliani, Muhammad Daliani, Muhammad Damanik, Nuriatik Dewi, Shanty Kartika Dian Armanto E Elvis Napitupulu Efrizal, Riky Erna Eti Sunarsih Fajrina, Putri Firdausi, Firna Nahwa Fitri Fitri Fitriansal Hafidhah Hafidhah Hasni Suciawati Helman Fachri Heryanto Heryanto Hidajat, Koerniawan Iba, Wa Ibrahimiyah, Nur Aisah Irma Handayani, Irma Irwanto, Andri Jauhari, M. Abim Julita , Julita Juniaty, Risnawaty Kamal Fachrurrozi Karmilasanti Karosekali, Eunice Khairun Nisa Khoirunnisa Khoirunnisa Maenarni, Lilis Mahpudin Mahpudin Manik, Patricia Roma Some Meutia, Rachmi Mira Yulianti, Mira Mufti, Muhammad Arif Muhammad Daliani Muhammad Muhammad MUHAMMAD SHOLEH Muhammad Yasir Yusuf Muhammad Zulhilmi Muksal Muksal Muzammil, Muzammil Nababan, Maxtulus Junedy Nabila, Firdiyatul Nabila, Siti Maulidiya Napitupulu, E.Elvis Nasution, Marnis Nihlatul Qudus Sukma Nirwana Nova Primadina Padang, Crasilia Yanti Peranginangin, Lorena PeranginAngin, Renita Br Permana, Dede Prastuti, Aulia Widya Pratini Lubis, Adinda Pratiwi Pratiwi, Dinda Ayu Purba, Leony Putra, M Jaya Adi Putri, Adelia Putri, Hairani Ananda Rahmatillah, Rahmatillah RAKIYAH, SITI Ramadhani, Vivi Rambe, Rinto Rasyd, Anwar RIKA KARTIKA rikky simanjuntak Rita Rita, Rita Rizqy, Irhas Safina, Nila Sahat Saragih Salsabila Nasution, Hanum Saputra Harianja, Andi Saragih, Delima Setyaningrum, Widia Sigit Hermawan Sitanggang, Perdamaian Siti Aisyah Siti Anisah Sitompul, Saima Sitorus, Andreas Sihar Marudut Sri Ambardini Sri Susanti Supariati Supriyadi Supriyadi Suriadi Suriana Suriana Syaputra, Andi Tin Rustini, Tin Tobing, Renatal Halomoan Lumban Tridiana , Eldavita Vera Ompusunggu Wulandari, Indah Apriliana Sari Yaman, Khairul Yanuar Rahmadan Yasrah Dalimunthe, Rahmah Yelvi Levani Yulita Pujilestari