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All Journal Jurnal Keuangan dan Perbankan(KEBAN) Andromeda : Jurnal Manajemen dan Bisnis Syariah
Mirda, Saprian
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Economics, Econometrics & Finance Social Sciences

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MANAJEMEN RISIKO KREDIT PADA PERBANKAN SYARIAH Sulfira, Sulfira; Mirda, Saprian; Mutmainnah, Mutmainnah; Sani, Chaerul
Andromeda Vol. 2 No. 2 (2024): Jurnal Andromeda
Publisher : Program Studi Manajemen Bisnis Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/andromeda.v2i2.4092

Abstract

Manajemen risiko kredit pada perbankan syariah merupakan aspek yang sangat penting untuk menjaga stabilitas dan keberlanjutan operasional lembaga keuangan syariah. Risiko kredit muncul ketika debitur gagal memenuhi kewajibannya, yang dapat berdampak negatif pada kesehatan finansial bank. Supaya mengelola risiko ini, bank syariah menggunakan strategi seperti pengamatan, pengukuran, pengawasan, dan pengendalian risiko. Langkah-langkah itu meliputi sistem pengendalian internal, kebijakan manajemen risiko dan pengawasan oleh dewan komisaris adalah bagian dari tindakan ini. Bank syariah juga menghadapi risiko oprasional,hukum, pasar, strategis, reputasi, kepatuhan, investasi dan imbal hasil. Penerapan strategi manajemen risiko yang efisien memungkinkan bank syariah memitigasi potensi kerugian dan meningkatkan efisiensi operasional, sehingga dapat mempertahankan kepercayaan nasabah dan memastikan pertumbuhan jangka panjang yang berkelanjutan.Jurnal ini bertujuan untuk menganalisis tantangan dan strategi dalam manajemen risiko kredit di perbankan syariah, serta memberikan rekomendasi untuk meningkatkan efektivitas pengelolaan risiko tersebut. Dengan memahami karakteristik risiko kredit dan penerapan prinsip-prinsip syariah, bank syariah dapat mengurangi potensi kerugian dan meningkatkan kepercayaan nasabah.
Credit Risk Management in Sharia Banking mirda, saprian
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 4 No. 1 (2024): Juli-Desember
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/zpn29v44

Abstract

Credit risk management in sharia banking is a very important aspect to maintain the stability and sustainability of the operations of sharia financial institutions. Credit risk arises when debtors fail to fulfill their obligations, which can have a negative impact on the bank's financial health. In order to manage this risk, Islamic banks use strategies such as observation, measurement, supervision and risk control. These steps include an internal control system, risk management policies and supervision by the board of commissioners are part of this action. Islamic banks also face operational, legal, market, strategic, reputation, compliance, investment and return risks. Implementing efficient risk management strategies enables Islamic banks to mitigate potential losses and increase operational efficiency, thereby maintaining customer trust and ensuring sustainable long-term growth. This journal aims to analyze challenges and strategies in credit risk management in Islamic banking, as well as provide recommendations for increase the effectiveness of risk management. By understanding the characteristics of credit risk and applying sharia principles, sharia banks can reduce potential losses and increase customer confidence
Co-Authors Mutmainnah Mutmainnah Sani, Chaerul Sulfira Sulfira, Sulfira