Riza Arizona
Universitas Islam Negeri Raden Intan Lampung

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Liquidity Risk Management: Ensuring Sustainability And Managing Islamic Banks In The Era Of Banking Industry Development Riza Arizona; Icha Afrillia Hidayat; Marisa Rizki; Hasrul Zen; Kustia Kustia; Ridwansyah Ridwansyah; Wan Ruslan Abdul Ghani
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.
Analisis Islamic Work Ethic dan Servant Leadership dalam Membentuk Organizational Citizenship Behavior Serta Dampak Kinerja Karyawan : Studi pada Bank BCA Syariah KC Bandar Lampung Riza Arizona; Madnasir Madnasir; Ahmad Habibi
MENAWAN : Jurnal Riset dan Publikasi Ilmu Ekonomi Vol. 4 No. 5 (2026): September: MENAWAN: Jurnal Riset dan Publikasi Ilmu Ekonomi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/menawan.v4i5.2639

Abstract

Employee performance is a crucial factor in organizational success, as it relates to achieving goals through the effective and responsible execution of tasks. From an Islamic perspective, work is viewed not merely as an activity to meet life's necessities but also as a form of worship that must be carried out with honesty, trustworthiness, responsibility, hard work, and discipline. These values ​​are particularly significant in the Sharia banking sector, where Islamic principles are integral to professional activities. Beyond the performance of formal duties, organizational success also relies on employee behaviors characterized by a voluntary willingness to assist colleagues, maintain harmonious relationships, and contribute beyond the scope of their roles. Such behavior is known as Organizational Citizenship Behavior (OCB). The emergence of OCB can be fostered by the application of the Islamic Work Ethic and Servant Leadership. The Islamic Work Ethic encourages employees to work with a mindset centered on worship, honesty, responsibility, and cooperation, while Servant Leadership emphasizes service, empathy, attentiveness, and employee development. Given these conditions, this study aims to analyze the application of Islamic Work Ethic and Servant Leadership in fostering Organizational Citizenship Behavior (OCB) and their contribution to enhancing employee performance at BCA Syariah’s Bandar Lampung Branch Office. The study employs a qualitative approach, utilizing observation and interviews for data collection. The findings are expected to provide insight into how Islamic work ethics and servant leadership foster extra-role employee behavior, thereby supporting performance improvement and work-related blessings within the Islamic banking sector.