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All Journal Terampil : Jurnal Pendidikan dan Pembelajaran Dasar Management Studies and Entrepreneurship Journal (MSEJ) JSEHT
Ghani, Wan Ruslan Abdul
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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Journal : Management Studies and Entrepreneurship Journal (MSEJ)

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Liquidity Risk Management: Ensuring Sustainability And Managing Islamic Banks In The Era Of Banking Industry Development Arizona, Riza; Hidayat, Icha Afrillia; Rizki, Marisa; Zen, Hasrul; Kustia, Kustia; Ridwansyah, Ridwansyah; Ghani, Wan Ruslan Abdul
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 5 (2025): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v6i5.9495

Abstract

Liquidity Risk Management is the development of strategies and policies to manage liquidity risks that include the creation of cash reserves, diversification of funding sources, and the use of financial instruments to overcome liquidity shortages. The process of managing risks arising from the inability of an entity (company or bank) to meet its financial obligations on time due to lack of liquidity or available cash funds. Liquidity risk is the risk that a company or individual will be unable to meet short-term financial obligations because it cannot convert its assets into cash. Liquidity risk arises from the inability to meet maturing obligations from cash flow funding sources and/or from high-quality liquid assets that can be pledged, without disrupting the entity's activities and financial condition. Liquidity risk is one of the main challenges faced by companies in the world of finance and business. Liquidity risk can arise in various forms and situations. One of them is the inability of a company to access sufficient cash when needed, which can occur due to factors such as a sudden decline in sales, dependence on short-term funding, or unexpected economic changes. Liquidity instruments can be obtained from collecting third party funds (DPK), lending in the sharia money market, purchasing SBI Syariah, looking for investors from within the country or foreign investors, or from other sources of funds. The results of the study show that the implementation of liquidity risk management in Islamic Banks and UUS is carried out in the form of: 1. The Board of Directors, Commissioners, and DPS (Sharia Supervisory Board) are active in formulating and implementing risk management, 2. Preparing policies, procedures, and setting risk management limits, 3. Carrying out the process of identifying, measuring, monitoring and controlling risks as well as risk management information systems, 4. Forming a comprehensive internal control system.
Implementation Of Bank Operational Risk Management In Human Resource Management At Bank Syariah Indonesia Novriyanto, Abib; Dinar, Ashari Seribu; Hartati, Eka Yuni; Dwimutian, Febyviani; Ridwansyah, Ridwansyah; Ghani, Wan Ruslan Abdul; Septina, Mulya Jayanti Putri
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 5 (2025): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v6i5.9541

Abstract

The operational risk management in Islamic banks is crucial to ensure the smooth functioning of the bank while adhering to Islamic principles. Operational risks in banks can arise from internal processes, human errors, system failures, and external events. These risks, when not managed effectively, can have significant impacts on the financial stability and reputation of the bank. The human factor (human resources) plays a pivotal role in operational risk, especially in banks following Sharia principles, where it is necessary to ensure that the employees are well-trained, competent, and have a strong understanding of Islamic financial laws. This paper discusses the role of human resource management in the operational risk management framework of Bank Syariah Indonesia (BSI). Effective human resource management ensures that the right employees are hired, trained, and retained, thus minimizing the potential risks caused by human errors. The focus of the paper is to assess how Bank Syariah Indonesia incorporates risk management strategies in their HR practices and explores the training and development programs aimed at enhancing employee competence in managing operational risks. The research highlights the importance of creating a risk-aware culture and building a strong risk management system within the bank, specifically focusing on improving the competencies of human resources to reduce operational risks.
Co-Authors Arizona, Riza Dinar, Ashari Seribu Dwimutian, Febyviani Hartati, Eka Yuni Hidayat, Icha Afrillia Kustia, Kustia Mahfudz, Agus Nanda Setiawan, Nanda Novriyanto, Abib NURUL HIDAYAH Prakoso, Yoga Rizky Riani, Novi Ridwansyah Ridwansyah Rizki, Marisa Septina, Mulya Jayanti Putri Utami, Anita Sri Zen, Hasrul