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All Journal Jurnal Ilmiah Research Student Neraca Manajemen, Akuntansi, dan Ekonomi
Annisa Rahmah Herlin
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Religion Computer Science & IT Economics, Econometrics & Finance Environmental Science Mathematics Medicine & Pharmacology

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Studi Manajemen Risiko Operasional Pada PT Bank SyariahIndonesia Tbk (BSI) Zhavira Handayani1, Zhavira Handayani; Nurdyanti Choirunnisa Pane; Annisa Rahmah Herlin; Santi Hasibuan; Arsyadona
Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi Vol. 11 No. 4 (2024): Musytari : Neraca Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v11i4.7999

Abstract

Penelitian ini berfokus pada risiko operasional yang dihadapi oleh Bank Syariah Indonesia (BSI), yang menjadikan pengelolaan risiko operasional yang efisien sebagai hal yang sangat penting bagi kelangsungan operasional bank. Tujuan utama dari penelitian ini adalah untuk menganalisis secara mendalam penerapan dan praktik manajemen risiko operasional yang diterapkan di BSI. Metode yang digunakan dalam penelitian ini adalah pendekatan kualitatif, dengan mengandalkan data sekunder yang diperoleh melalui studi pustaka. Data sekunder tersebut mencakup laporan resmi, buku, majalah, serta artikel yang tersedia di situs web resmi BSI yang relevan dengan topik penelitian ini. Untuk menganalisis data, digunakan model analisis kualitatif yang dikembangkan oleh Miles dan Huberman. Hasil penelitian menunjukkan bahwa manajemen risiko operasional di BSI diterapkan dengan baik dan efektif, yang terlihat dari penurunan rasio BOPO BSI secara konsisten antara tahun 2022 hingga 2023. Katakunci: ManajemenRisiko,Risiko Operasional, BSI This research focuses on the operational risks faced by Bank Syariah Indonesia (BSI), which makes efficient operational risk management very important for the bank's operational sustainability. Efficient operational risk management is very important for the continuity of bank operations. The main objective of this research is to analyze in depth the implementation and operational risk management practices applied at BSI. The method used in this research is a qualitative approach, relying on secondary data obtained through literature study. Secondary data includes official reports, books, magazines, as well as articles available on BSI's official website that are relevant to the topic of this research. To analyze the data, a qualitative analysis model developed by Miles and Huberman was used. The results showed that operational risk management at BSI is well implemented and effective, which can be seen from the consistent decrease in BSI's BOPO ratio between 2022 and 2023. Keywords: Risk Management, Operational Risk, BSI
Etika Bisnis dan Strategi Adaptif UMKM dalam Menghadapi Krisis 2030 di Era Pasar Bebas Annisa Rahmah Herlin; Nurdyanti Choirunnisa Pane; Jeroh Miko
JURNAL ILMIAH RESEARCH STUDENT Vol. 2 No. 2 (2025): September
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jirs.v2i2.5391

Abstract

This study aims to examine the role of business ethics and adaptive strategies in sustaining Micro, Small, and Medium Enterprises (MSMEs) amid the projected economic crisis in 2030 within a free-market era. MSMEs face challenges such as global competition, digital transformation, and rapidly shifting consumer preferences. The research employs a qualitative approach with a descriptive-analytical method and data collection through literature review. The results indicate that implementing strong business ethics, including transparency and social responsibility, can enhance consumer trust and customer loyalty. Furthermore, adaptive strategies such as digitalization, product innovation, and cost efficiency significantly improve MSMEs’ resilience during crises. The study highlights the importance of collaboration among MSME actors and stakeholders, along with the need for training and supportive regulations. By integrating ethical practices and adaptive strategies, MSMEs have a strong potential to survive and thrive amidst global economic dynamics.
Co-Authors Arsyadona Jeroh Miko Nurdyanti Choirunnisa Pane Santi Hasibuan Zhavira Handayani1, Zhavira Handayani