Majapahit Journal of Islamic Finance dan Management
Vol. 2 No. 1 (2022): Islamic Finance and Management

Implementation of Financing Risk Management in Mudharabah Financing at Bank Mega Syariah Surabaya

Kelvin Ridho Alfarasi (Institut Pesantren KH. Abdul Chalim, Mojokerto, Indonesia)
Salsadila Aryanti Adam (Institut Pesantren KH. Abdul Chalim, Mojokerto, Indonesia)
Fianelin Widhian Murti (Institut Pesantren KH. Abdul Chalim, Mojokerto, Indonesia)
Qasiratuttarfiin Al Natzir (Institut Pesantren KH. Abdul Chalim, Mojokerto, Indonesia)



Article Info

Publish Date
27 May 2023

Abstract

Financing is one of the products owned by Islamic financial institutions which can help economic growth, the greater the financing provided, the greater the risks involved. Risks that must be considered are financing risks, risks that cannot be handled seriously, and the need for good and appropriate financing risk management to minimize the occurrence of risks that will arise from various activities within Islamic financial institutions. The purpose of this observation is to determine the application of financing risk management in mudharabah financing at Bank Mega Syariah Surabaya. This data collection technique was carried out by interview observation and further analysis then conclusions were drawn. The results of this observation indicate that the Implementation of Risk Management in mudharabah financing at Bank Mega Syariah Surabaya uses 4 stages, namely risk identification, risk measurement, risk monitoring, and risk control. In the risk management process, the risk identification stage in the mudharabah financing process uses the 5C principles which include character, capacity, capital, collateral, and conditions.

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Journal Info

Abbrev

majapahit

Publisher

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Majapahit Journal of Islamic Finance and Management (MJIFM) (E-ISSN 2798-0170) is a journal published by Universitas KH. Abdul Chalim Mojokerto Indonesia four times a year (March, June, September and December). As the name implies, the journal brings two major themes, namely Islamic Finance and ...