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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Currency
Melia Frastuti
Universitas Indo Global Mandiri Palembang
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Mathematics Social Sciences

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Analisis Penerapan Manjemen Risiko Pembiayaan pada Perbankan Syariah di Indonesia Choirunnisak; Azka Amalia Jihad; Melia Frastuti
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i7.7936

Abstract

This study discusses how risk management is implemented in Islamic banking in Indonesia, and how risk management in financing is applied in Islamic banking in Indonesia. This research is a type of library research that focuses on managing qualitative data using descriptive-analytical methods. The results of this study indicate that there are six stages in the implementation of risk management in Islamic banking in Indonesia: 1) Determining the risks associated with products and transactions within the bank. 2). Establishing risk assessment using measurement methods and information systems in risk management. 3). Setting limits or thresholds for risk tolerance. 4) Assigning ratings to the identified risks. 4). Developing a contingency plan in case the bank faces a critical situation. 6) Establishing internal control systems in every aspect of risk management decision-making. There are also six applications of financing risk management in Islamic banking in Indonesia: 1). Identifying risks in all financing, whether related to products or banking activities.2). Considering the financial condition of potential borrowers, including in-depth analysis of their ability to repay on time. 3). Categorizing risks into various defined criteria. 4). Ideally, each bank should have its own system for measuring the risks of financing provided or to be provided to borrowers. 5). Determining the financing period (maturity profile) linked to market conditions that may fluctuate.6). Assessing collateral aspects and the potential for default in repayments.
ANALISIS PENGARUH LITERASI KEUANGAN SYARIAH DAN AKSES PEMBIAYAAN SYARIAH TERHADAP KINERJA UMKM SEKTOR IKAN HIAS DI PALEMBANG Deri Yansyah; Melia Frastuti; Chandra Satria; Amir Salim
Currency (Jurnal Ekonomi dan Perbankan Syariah) Vol. 5 No. 1 (2026): Currency
Publisher : LP2M AL-KHAIRAT PAMEKASAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32806/currency.v5i1.2231

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan syariah dan akses pembiayaan syariah terhadap kinerja UMKM sektor ikan hias di Palembang. Penelitian menggunakan pendekatan kuantitatif dengan metode survei. Data diperoleh melalui penyebaran kuesioner kepada pelaku UMKM sektor ikan hias di Kota Palembang. Teknik analisis data yang digunakan meliputi uji validitas, uji reliabilitas, uji asumsi klasik, analisis regresi linear berganda, uji t, uji F, dan koefisien determinasi. Hasil penelitian menunjukkan bahwa literasi keuangan syariah berpengaruh positif dan signifikan terhadap kinerja UMKM. Akses pembiayaan syariah juga berpengaruh positif dan signifikan terhadap kinerja UMKM. Secara simultan, literasi keuangan syariah dan akses pembiayaan syariah berpengaruh signifikan terhadap kinerja UMKM sektor ikan hias di Palembang. Temuan ini menunjukkan bahwa peningkatan pemahaman keuangan syariah dan kemudahan memperoleh pembiayaan syariah dapat mendorong peningkatan kinerja usaha, baik dari aspek produktivitas, pendapatan, maupun keberlanjutan usaha.
Co-Authors Amir Salim Azka Amalia Jihad Chandra Satria Choirunnisak Deri Yansyah