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All Journal JURNAL RUMPUN MANAJEMEN DAN EKONOMI Jurnal Pajak dan Analisis Ekonomi Syariah
Eristiana Choirun Nisa
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Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Mathematics Social Sciences Other

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Manajemen Resiko Kredit pada Perbankan Syariah Eristiana Choirun Nisa; Nuvailah Rosiyah; Rosa Try Octavia
Jurnal Pajak dan Analisis Ekonomi Syariah Vol. 1 No. 4 (2024): Jurnal Pajak dan Analisis Ekonomi Syariah
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jpaes.v1i4.670

Abstract

This study aims to analyze the implementation of credit risk management in Islamic banking, which is a crucial aspect in maintaining business stability and sustainability. The research focuses on identifying credit risk control strategies, such as supervisory oversight by the board of commissioners, risk management policies, and internal control systems. The research method used is a literature review, examining various sources, including journals, books, and official documents. The article shows that credit risks in Islamic banking arise from customers' failure to meet payment obligations and involve concentration and counterparty risks. Islamic banks apply several strategies to address non-performing loans, such as rescheduling, restructuring, reconditioning, and, when necessary, collateral seizure. The implementation of credit risk management helps banks reduce potential losses and improve operational efficiency. Effective credit risk management enables Islamic banks to mitigate losses and maintain customer trust while adhering to Sharia principles and OJK regulations. With the right strategies, Islamic banks can ensure financial stability and sustain long-term growth..
STRATEGI DALAM MENINGKATKAN LOYALITAS NASABAH DI BANK SYARIAH INDONESIA KCP LUMAJANG IMAM BONJOL Eristiana Choirun Nisa; Siva Indana Arisanti; Ahmad Fauzi
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 2 No. 2 (2025): Maret
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v2i2.4148

Abstract

Abstrak. This research aims to explore strategies for increasing customer loyalty at Bank Syariah Indonesia KCP Lumajang Imam Bonjol. Against the backdrop of increasingly fierce competition in the sharia banking sector, this research uses a qualitative approach with a case study method. Data was collected through in-depth interviews with bank management and several loyal customers, as well as direct observation of bank services. The research results show that implementing sharia values, improving service quality, sharia product education, and good personal relationships are the main factors in building customer loyalty. These strategies not only increase customer trust but also strengthen long-term relationships between banks and customers. This research provides insight for Islamic bank management to design more effective policies in maintaining customer loyalty amidst the challenges of the modern banking industry.
Co-Authors Ahmad Fauzi Nuvailah Rosiyah Rosa Try Octavia Siva Indana Arisanti