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All Journal Management Studies and Entrepreneurship Journal (MSEJ) Al Itmamiy: Jurnal Hukum Ekonomi Syariah
Wan Ruslan Abdul Ghani
Universitas Islam Negeri Raden Intan Lampung
Religion Decision Sciences, Operations Research & Management Law, Crime, Criminology & Criminal Justice

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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 Maqashid Syariah terhadap Manajemen Risiko Imbal Hasil pada Bank Pembiayaan Rakyat Syariah SHALAHUDIN HABIBULLAH; Isti Safira; Ogi Marsenal Apindo; Ridwansyah; Wan Ruslan Abdul Ghani
Al Itmamiy Jurnal Hukum Ekonomi Syariah (Muamalah) Vol. 8 No. 1 (2026): Al Itmamiy : Jurnal Hukum Ekonomi Syariah
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/hrs4mg54

Abstract

Risiko imbal hasil pada Bank Pembiayaan Rakyat Syariah tidak hanya merupakan persoalan teknis dalam pengelolaan aset dan liabilitas, tetapi juga berkaitan dengan kepatuhan terhadap prinsip hukum ekonomi syariah. Ketidaksesuaian antara kinerja pembiayaan dan ekspektasi imbal hasil nasabah dapat menimbulkan persoalan keadilan akad, transparansi informasi, perlindungan harta, dan keseimbangan hak serta kewajiban antara bank dan nasabah. Penelitian ini bertujuan untuk menganalisis manajemen risiko imbal hasil pada Bank Pembiayaan Rakyat Syariah melalui perspektif maqashid syariah serta merumuskan kerangka konseptual yang mengintegrasikan dimensi risiko, tata kelola syariah, dan perlindungan kepentingan nasabah. Penelitian ini menggunakan pendekatan kualitatif-konseptual melalui studi pustaka sistematis terhadap literatur akademik, regulasi perbankan syariah, dan dokumen yang relevan dengan manajemen risiko serta tata kelola BPRS. Data dianalisis menggunakan analisis isi melalui tahapan identifikasi isu, klasifikasi konsep, pemetaan norma maqashid, dan sintesis konseptual. Hasil penelitian menunjukkan bahwa praktik manajemen risiko imbal hasil pada BPRS masih cenderung berorientasi pada stabilitas finansial dan belum sepenuhnya menempatkan maqashid syariah sebagai dasar normatif dalam pengambilan keputusan risiko. Kebaruan penelitian ini terletak pada penempatan maqashid syariah sebagai instrumen analisis normatif-yuridis untuk menilai kesesuaian manajemen risiko imbal hasil dengan prinsip perlindungan harta, keadilan distribusi, transparansi, dan kemaslahatan. Penelitian ini menegaskan bahwa tata kelola risiko BPRS perlu diarahkan tidak hanya untuk menjaga keberlanjutan institusi, tetapi juga untuk memastikan kepatuhan syariah, keadilan kontraktual, dan perlindungan nasabah secara berkelanjutan.
Co-Authors Hasrul Zen Icha Afrillia Hidayat Isti Safira Kustia Kustia Marisa Rizki Ogi Marsenal Apindo Ridwansyah Riza Arizona SHALAHUDIN HABIBULLAH