Didaktik : Jurnal Ilmiah PGSD STKIP Subang
Vol. 12 No. 02 (2026): Volume 12 No. 2, Juni 2026 Release

STRATEGI PENGELOLAAN ASET DAN LIABILITAS BANK SYARIAH: MITIGASI RISIKO LIKUIDITAS DI TENGAH VOLATILITAS PASAR

Adinda Septiyani Sulaeman (Universitas Islam Negeri Sultan Maulana Hasanuddin Banten)
Yani Yani Aguspriyani, M.E (Universitas Islam Negeri Sultan Maulana Hasanuddin Banten)



Article Info

Publish Date
28 May 2026

Abstract

Liquidity risk management is a crucial aspect in maintaining the operational stability of Islamic banks, particularly amidst fluctuating and uncertain market conditions. This study discusses liquidity risk mitigation strategies through the implementation of Asset and Liability Management (ALMA) in accordance with sharia principles. Islamic banks face specific challenges in the form of limited sharia liquidity instruments, maturity mismatch risks, and changes in customer behavior due to market volatility. Therefore, effective strategies are needed, such as maintaining the availability of liquid assets, conducting cash flow projections, diversifying funding sources, implementing stress testing, and preparing contingency funding plans. In addition, strengthening risk governance based on the provisions of the Financial Services Authority (OJK), Bank Indonesia, and AAOIFI is an important factor in supporting the liquidity resilience of Islamic banks. Through these strategies, Islamic banks are expected to be able to maintain financial stability, increase customer trust, and maintain competitiveness amidst the dynamics of the modern banking industry. The type of research used is library research, which is research conducted by collecting various data and information sources from books, scientific journals, articles, laws and regulations, and official documents related to asset and liability management (ALMA), liquidity risk, and Islamic banking. Secondary data sources in this study were obtained from publications from the Financial Services Authority (OJK), Bank Indonesia, AAOIFI, and various relevant academic literature.

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Journal Info

Abbrev

didaktik

Publisher

Subject

Education

Description

Didaktik : Jurnal Ilmiah PGSD STKIP Subang adalah salah satu jurnal yang dterbitkan oleh STKIP Subang, jurnal ini mempunyai bidang cakupan yaitu Penelitian Pendidikan. Terbit pada bulan Juni dan Desember setiap tahunnya. Didaktik : Jurnal Ilmiah PGSD STKIP Subang melalui proses review oleh dua ...