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All Journal Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah Journal of Islamic Economics and Business
Sugianto
UIN Sumatera Utara, Medan
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Menakar Manajemen Resiko Pada Perbankan Syariah M. Yahya; Saparuddin Siregar; Sugianto
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 6 No 2 (2021): Juli-Desember
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v6i2.1155

Abstract

Risk management is an important element whose implementation is very important, especially in the Bank as a financial institution. In a rapidly developing external and internal banking environment, Islamic banks are always faced with various types of risks with varying degrees of complexity and inherent in their business activities. The result of this article is an Islamic bank operational risk management process which includes risk identification, risk assessment, risk anticipation, and risk monitoring arising from bank business activities. In the risk management process, the initial stage of Islamic banks must correctly recognize and understand and identify all risks, existing bank risks (inherent risks) and those that may arise from a new bank business. Furthermore, successively, Islamic banks need to measure, monitor and control risk. This process is continuous, so it becomes a lifecycle. Keywords: Risk management, Islamic Bank
Evaluating the Performance and Institutional Challenges of BMT in North Sumatra: A Multi-Perspective Yusman; Mustafa Khamal Rokan; Sugianto
Journal of Islamic Economics and Business Vol. 4 No. 2 (2024): Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jieb.v4i2.54530

Abstract

Baitul Maal wat Tamwil (BMT) is a Sharia-based microfinance institution that plays a pivotal role in promoting community economic empowerment, particularly in North Sumatra, a region characterized by its rich economic potential and socio-cultural diversity. Despite its strategic importance, many BMTs in this region face persistent challenges, including low levels of Islamic financial literacy, weak institutional governance, limited access to digital technologies, and inadequate working. This study aims to identify the key factors impeding BMT performance and to formulate context-specific revitalization strategies that are both practical and sustainable. Employing a qualitative research design with a case study approach, data were gathered through in-depth interviews, field observations, and document analysis involving three selected BMTs in North Sumatra. Thematic analysis was utilized to uncover critical patterns within the institutional and operational dynamics of these entities. The findings reveal that poor managerial professionalism, declining public trust, and a lack of innovation in Sharia-compliant financial products tailored to local needs are among the primary barriers to performance. In response, this study proposes four strategic recommendations: (1) enhancing human resource capacity through targeted professional training; (2) digitalizing services to foster greater efficiency and transparency; (3) restructuring organizational frameworks; and (4) improving Islamic financial literacy through comprehensive public education initiatives. This research contributes to the development of a locally grounded revitalization model for BMTs, offering actionable insights for practitioners, regulators, and stakeholders committed to advancing an inclusive, resilient, and adaptive Islamic microfinance ecosystem.
Co-Authors M. Yahya Mustafa Khamal Rokan Saparuddin Siregar Yusman