scholarly journals Urgensi Manajemen Pengawasan Risiko Bank Syariah

PALAPA ◽  
2016 ◽  
Vol 4 (2) ◽  
pp. 85-103
Author(s):  
Rusdan Rusdan
Keyword(s):  
Liquidity Risk ◽  
Operational Risk ◽  
Market Risk ◽  
Legal Risk ◽  
Strategic Risk ◽  
Reputation Risk ◽  
Financing Risk

Perbankan, tak terkecuali Bank Syariah, memiliki posisi strategis sebagai lembaga intermediasi dan penunjang sistem pembayaran. Sebagai lembaga intermediasi, perbankan dapat memberikan kemudahan untuk mengalirkan dana dari pihak yang memiliki kelebihan dana (savers) dengan kedudukan sebagai penabung ke pihak yang memerlukan dana (borrowers) untuk berbagai kepentingan. Selain itu, bank juga sebagai agent of development, yang dapat mendorong kemajuan pembangunan melalui fasilitas kredit dan kemudahan-kemudahan pembayaran dan penarikan dalam proses transaksi yang dilakukan para pelaku ekonomi. Dalam melakukan fungsinya tersebut, sektor perbankan memiliki eksposur terhadap berbagai macam risiko. Untuk dapat menjalankan fungsinya dengan baik, sektor perbankan dituntut untuk mampu secara efektif mengelola risiko-risiko yang dihadapinya agar dapat memelihara kesinambungan proses bisnisnya sehingga proses intermediasi keuangan dalam perekonomian dapat berkelanjutan dan berjalan dengan efisien. Ada beberapa macam risiko yang perlu diidentifikasi, diukur, dipantau, dan dikendalikan oleh perbankan syariah dalam menjalankan kegiatan usahanya meliputi: risiko pembiayaan (financing risk), risiko pasar (market risk), risiko likuiditas (liquidity risk), risiko operasional (operational risk), risiko hukum (legal risk), risiko reputasi (reputation risk), risiko strategis (strategic risk), risiko kepatuhan (compliance risk) dan sebagainya.

ANALISIS RISIKO AKAD MURABAHAH DI PERBANKAN SYARIAH

INFO ARTHA ◽  
2021 ◽  
Vol 5 (1) ◽  
pp. 67-74
Author(s):  
Masruri Muchtar
Keyword(s):  
Financial Services ◽  
Investment Risk ◽  
Islamic Banks ◽  
Literature Study ◽  
Legal Risk ◽  
Strategic Risk ◽  
Risk Return ◽  
Reputation Risk ◽  
Financing Risk ◽  
Almost All

Every financing funded by Islamic banks always contains a risk, including murabahah contracts. The risks faced by Islamic banks are very diverse and multifaceted in line with innovations in the financial and banking products offered. This study is to conduct a critical analysis of the practice of murabahah contracts that have been carried out by almost all Islamic banks in Indonesia. The analysis is carried out with reference to ten categories of risk regulated in the Financial Services Authority (OJK) Regulation number 65/POJK.03/2016. This study uses a qualitative approach in the form of a literature study to describe the problem identified. The results show that financing with a murabahah contract takes various risks, namely: financing risk, market risk, liquidity risk, operational risk, legal risk, reputation risk, strategic risk, compliance risk, return risk, and investment risk. The implication is that Islamic banks shall give attention to all those risks that have been identified by preparing mitigation efforts

scholarly journals RISK ANALYSIS OF ISLAMIC BANKING FINANCING BUSINESS IN INDONESIA 2014-2018

2019 ◽  
Vol 17 (2) ◽  
pp. 131
Author(s):  
Herlan Firmansyah ◽  
Mohamad Anton Athoillah
Keyword(s):  
Secondary Data ◽  
Market Risk ◽  
Profit Sharing ◽  
Islamic Banking ◽  
Investment Risk ◽  
Strategic Risk ◽  
Reputation Risk ◽  
Yield Risk ◽  
Financing Risk ◽  
Investment Portfolios

The purpose of this article is to analyze business risk in Islamic banking financing in Indonesia. The method used in this study is a qualitative research method with a descriptive approach. The data used in this study are secondary data sourced from Sharia Banking Statistics (SBS). The conclusions of this article are ten business risks that must be managed by Islamic banks in carrying out their functions, namely financing risk, market risk, liquidity risk, operational risk, legal risk, reputation risk, strategic risk, compliance risk, yield risk, yield risk, and investment risk. Four business risks affect the profitability of Sharia Commercial Banks (BUS) in Indonesia, namely financing risk as measured by NPF, the rupiah exchange rate measures market risk against the USD and inflation, return NCD measures risk on total deposits and investment risk measured by the percentage potential loss profit-sharing financing for mudharabah and musyarakah investment portfolios.

scholarly journals Analisis implementasi dan risiko pembiayaan perumahan dengan akad Murabahah dan musyarakah mutanaqisah

El Dinar ◽  
2018 ◽  
Vol 4 (1) ◽  
pp. 76
Author(s):  
Nurul Pitriani Pitriani
Keyword(s):  
Qualitative Research ◽  
Research Method ◽  
Liquidity Risk ◽  
Secondary Data ◽  
Primary Data ◽  
Qualitative Research Method ◽  
Strategic Risk ◽  
Reputation Risk ◽  
Financing Risk ◽  
Management Of Risk

The aim of this study is to know whether or not the implementation of contract of murabahah and musyarakah mutanaqisah is appropriate to literatures and fatwa dewan syariah Nasional about murabahah and musyarakah mutanaqisah. Qualitative research method is employed in this study. Both primary and scondary data are used in this research. Primary data is obtained by interviewing the unit of marketing of bank muamalat surabaya. Secondary data is obtained by studying the literatures and browsing on the official website of bank muamalat. The result of this study shows that the implementation of the contract of murabahah and musyarakah mutanaqisah is appropriate to fatwa Dewan Syariah Nasional No:73/DSN-MUI/XI/2008 about musyarakah mutanaqisah and Fatwa Dewan Syariah Nasional No:04/DSN-MUI/IV/2000 about Murabahah. Inexpediency of the contract of muabahah can be seen on determining the advance which is not based on the agreement between bank and client. The decision of the amount of the advance is based on bank’s policy. The acceptance of submission of financing application is based on client’s ability to pay the loan; it is obtained by accounting 35-40% of take home pay.concerning on the rate margin, of the contract of musyarakah mutanaqisah is 12.5% which is revised by ALCO (Asset and Liabilities Commitee) for every 1-2 year. The contract of murabahah, however, has three degrees of rate margin; 11.5% for 1-5 years, 15.5% for 6-10 years, and 16.5% for 11-15 years. Risk encountered by bank muamalat are financing risk, market risk, liquidity risk, operational risk, pursuance risk, strategic risk, reputation risk and law risk. The management of risk is done by the division of management of risk having its four department

scholarly journals Pengaruh risiko usaha terhadap rasio kecukupan modal inti (TIER 1) pada bank-bank kelompok buku 3 dan buku 4

2019 ◽  
Vol 7 (1) ◽  
Author(s):  
Adi Isa Ansori ◽  
Herizon Herizon
Keyword(s):  
Credit Risk ◽  
Liquidity Risk ◽  
Secondary Data ◽  
Operational Risk ◽  
Sampling Technique ◽  
Financial Statements ◽  
Market Risk ◽  
Linear Analysis ◽  
Tier 1 ◽  
Bank Group

This study tried to determine the effect of liquidity risk measured by LDR and IPR, Credit risk measured by APB and NPL, market risk measured by IRR and PDN, operational risk measured by BOPO, and FBIR both simultaneously or partially. On Core CAR (TIER 1) in Bank group of book 3 and book 4. The sample was selected using purposive sampling technique, consisting of five banks such as PT Bank Negara Indonesia, PT Bank Maybank Indonesia, PT Bank Tabungan Negara, PT Pan Indonesia Bank, and PT Bank Permata. The secondary data were taken from published financial statements starting from first quarter 2010 until second quarter 2015. They were collected by documentation method and analyzed using linear analysis. The result shows that, partially, LDR, IPR, NPL, PDN, BOPO and FBIR have significant effect on Core CAR (TIER 1). Simultaneously, LDR, IPR, APB, NPL, IRR, PDN, BOPO, and FBIR, as represented by liquidity risk, credit risk, market risk, and operational risk partially have significant effect on Core CAR (TIER 1) in Bank group of book 3 and book 4.

scholarly journals Penerapan Manajemen Risiko pada Tingkat Efisiensi Keuangan di Bank DKI Jakarta

Owner ◽  
2021 ◽  
Vol 5 (2) ◽  
pp. 417-428
Author(s):  
Saridawati Saridawati ◽  
Murniyati Murniyati ◽  
Ratih Hastasari ◽  
Suharini Suharini
Keyword(s):  
Risk Management ◽  
Financial Services ◽  
Statistical Tests ◽  
Liquidity Risk ◽  
Operational Risk ◽  
Operating Income ◽  
Financing Risk ◽  
The Impact ◽  
Regional Development Banks ◽  
Positive Effect

Efficiency is one measure of bank performance. The efficiency of a bank is influenced by the way management manages risk. Financial services authority regulation number 18 /pojk.03/2016 issued by Bank Indonesia which requires every bank in Indonesia to form a risk management team. Risk management problems in the banking world are related to the losses they experience, and Regional Development Banks are expected to be able to detect maximum losses that may arise in the future. This team is obliged to control various aspects of risk management in each bank and observe the impact of risk management implementation. This study aims to determine the efficiency level of conventional banking at PT Bank Pembangunan Daerah Jawa Tengah and the effect of financing risk, operational risk and liquidity risk on the efficiency level. Efficiency is measured by the method of Operating Expenses from Operating Income. The data used as the object of this research is Bank DKI Jakarta for the 2015-2020 period. The level of influence of the variables X1, X2, X3 on Y on the determinant coefficient (R2) shows the Adjusted R Square number of 0.359 or 35.9% which means that the variation in efficiency level can be explained by financing risk, operational risk and liquidity risk, the remaining 64.1% can be explained from other variables outside, for previous related studies there is no similarity in the influence of independent (x) and dependent (Y) values, because of differences in values ??generated from SPSS processing data. Based on the results of statistical tests and discussion analysis, it is known that financing risk, operational risk, liquidity risk simultaneously have no effect on the level of efficiency and only financing risk has a significant positive effect on the level of efficiency at PT Bank DKI Jakarta.

scholarly journals Effect of Risk Management Practices On Corporate Investment of Financial Institutions in Rwanda: A Case Study of Selected Commercial Banks

2019 ◽  
Vol 4 (4) ◽  
Author(s):  
Emmanuel Byamungu ◽  
Irechukwu Eugenia Nkechi ◽  
Henry Jefferson Ogoi
Keyword(s):  
Risk Management ◽  
Financial Institutions ◽  
Commercial Banks ◽  
Management Practices ◽  
Operational Risk ◽  
Corporate Investment ◽  
Market Risk ◽  
Operational Risk Management ◽  
Strategic Risk ◽  
Strategic Risk Management

Risk management practices are currently a subject of interest and a novel impression beneath research and application by diverse organizations. Nevertheless, there seems much to be debated on this subject in terms of a general strategic risk management practices statement. There is uncertainty like, when there should be a declaration for each principal risk category the organization experiences or should exist a general risk management practices for the organization. A risk management practice is about achieving corporate goals. For many financial institutions (FIs), dual goals exist such as the social and economic perspectives. This study sought to analyze the effect of strategic risk management practices on corporate investment of selected financial institutions in Rwanda. The study aimed at establishing the effect of operational risk management practices, market risk management practices, compliance risk management practices and governance risk management practices on corporate investment in selected commercial banks in Rwanda. The study adopted descriptive research design. The study targeted 95 managers from finance, internal audit, risk compliance and operations departments. The sample size was 77 respondents. The research was conducted using primary and secondary data, which includes survey forms (questionnaires), interviews as well as reports of the targeted institutions. Information for the research were gathered utilizing organized surveys forms that were distributed to the targeted respondents. Narrative information obtained from interviews and open-ended questions in the questionnaire were analyzed using qualitative approaches. Validity and reliability of the instruments were tested using the Cronbach Alpha test retest methods. With the aid of Statistical Package for Social Science version 21.0, both descriptive statistics such as the means, modes, standard deviation, variances and inferential statistics were analyzed. The research revealed that management of operational risk has a constructive effect financial outcomes performance of financial institutions in Rwanda. The study found that there is a correlation between both operational risk management and market risk management and performance of the financial institutions. The research findings revealed that operational risk management (r=0.096, p<0.01), market risk management (r=0.506, p<0.01) and compliance risk (r=0.612, p<0.01) on corporate investments.

scholarly journals The Effect of Liquidity Risk, Financing Risk, and Operational Risk toward Indonesian Sharia Bank’s Financing with Bank Size as a Moderating Variable

2018 ◽  
Vol 21 (2) ◽  
Author(s):  
Dea Prastica Alsyahrin ◽  
Apriani Dorkas Rambu Atahau ◽  
Robiyanto .
Keyword(s):  
Regression Analysis ◽  
Panel Data ◽  
Commercial Bank ◽  
Sampling Method ◽  
Data Use ◽  
Liquidity Risk ◽  
Operational Risk ◽  
Financial Statement ◽  
Islamic Banking ◽  
Financing Risk

Islamic banking is growing rapidly in Indonesia, so it needs to be done a lot of studies on sharia banking especially about the influence of risks to sharia financing. The purpose of this study is to analyze of the influence of liquidity risk, financing risk, and operational risk with bank size as moderating variable. This research uses financial statement of Sharia Commercial Bank for 2012-2016 period. By using purposive sampling method, 12 Sharia Commercial Bank were chosen as samples in this study. The data use in this study is panel data. Those data was collected from Sharia Commercial Bank’s website. Data analyzed by using moderated regression analysis. The result shows that liquidity risk, financing risk, and operational risk significantly influenced the financing of Indonesian sharia banking with bank size as it’s moderating variable.

scholarly journals Analisis Risk Profile dan Pengaruhnya Terhadap Tingkat Pengembalian Aset pada Perusahaan Perbankan BUMN yang Terdaftar Di Bursa Efek Indonesia Periode 2015 – 2019

2021 ◽  
Vol 6 (1) ◽  
pp. 281
Author(s):  
Muhammad Ridho Almuhdhor
Keyword(s):  
Credit Risk ◽  
Linear Regression Analysis ◽  
Liquidity Risk ◽  
Operational Risk ◽  
Market Risk ◽  
Risk Profile ◽  
Statistical Testing ◽  
Significant Positive Effect ◽  
Negative Effect ◽  
Positive Effect

This study aims to analyze how the risk profile level of state-owned banking companies in the period 2015-2019 and test how it affects the rate of return of assets simultaneously and partially. This study uses census techniques that make all state-owned banking companies in the period 2015-2019 as a sample of research. By using multiple linear regression analysis tools and overall statistical testing (F test) and partial (t test), it can be concluded that based on the risk profile level of state-owned banking companies in the period 2015-2019, where Credit Risk shows state-owned banks on healthy criteria, Market Risk and Operational Risk shows state-owned banks on very healthy criteria while Liquidity Risk shows state-owned banks on fairly healthy criteria. Then based on simultaneous research Credit Risk, Market Risk, Liquidity Risk and Operational Risk have a significant positive effect on the return of assets, while partially Credit Risk has a negative effect insignificant, Market Risk and Liquidity Risk have a significant positive effect while Operational Risk has a significant negative effect on the return rate of assets.

scholarly journals Analysis Of The Factors That Influence Islamic Bank Capital Buffers In Indonesia

2020 ◽  
Vol 12 (1) ◽  
pp. 80
Author(s):  
Ulis fajar Choirotun Hisan ◽  
Dina Fitrisia Septiarini ◽  
Dian Filianti
Keyword(s):  
Operational Risk ◽  
Sampling Technique ◽  
Market Risk ◽  
Capital Adequacy ◽  
Third Party ◽  
Gdp Growth ◽  
Bank Capital ◽  
Panel Data Regression ◽  
Financing Risk ◽  
Negative Effect

Banks are trust institutions. An appropriate tool in sustaining trust is the capital adequacy of the bank (capital buffer). This study aims to analyze the effect of financing risk (NPF), operational risk (BOPO), market risk (NI), Third Party Funds (DPK), GDP Growth (GDPG) and inflation on BUS capital buffers in Indonesia during the 2014-2018 period. This study uses panel data regression method with a sample of 12 BUS based on purposive sampling technique. BOPO, DPK, GDPG, and INF were found to have a significant effect on BUFF, where BOPO, DPK, and INF had a negative effect, while GDPG was positive. So operational risk, third party funds, GDP Growth, and inflation can be said to be determinants of BUS capital buffers in Indonesia in the 2014-2018 period. Financing risk (NPF) and market risk (NI) have no significant effect on BUS capital buffer in the study period. Regarding basel III implementation, operational risk is a significant determinant of capital buffer, and capital buffer is found to be procyclical to the Indonesian economy. Future studies can include more risk measurement variables and other macroeconomic variable

scholarly journals Penghentian Praktik Qard Beragun Emas Berdasarkan Surat Edaran Bank Indonesia Nomor 14/7/DPBS Tahun 2012 Pada Perbankan Syariah

2018 ◽  
Vol 20 (2) ◽  
pp. 355-368
Author(s):  
Humaira Humaira
Keyword(s):  
Credit Risk ◽  
Liquidity Risk ◽  
Market Risk ◽  
Business Unit ◽  
Reputation Risk

Berdasarkan Peraturan Bank Indonesia Nomor: 7/46/PBI/2005 tentang Akad Penghimpunan dan Penyaluran Dana Bagi Bank yang Melaksanakan Kegiatan Usaha berdasarkan Prinsip Syariah menyebutkan “Qard adalah suatu akad penyaluran dana oleh Bank Syariah atau Unit Usaha Syariah (UUS) kepada nasabah sebagai utang piutang dengan ketentuan bahwa nasabah wajib mengembalikan dana tersebut kepada Bank Syariah atau UUS pada waktu yang telah disepakati. Rahn emas Syariah atau qard beragun emas adalah produk di mana bank memberikan fasilitas pinjaman kepada nasabah dengan jaminan berupa barang/harta Nasabah yang bersangkutan dengan mengikuti prinsip rahn emas. Perkembangan produk qard beragun emas di mana bank syariah mulai mengombinasikan gadai dengan pembiayaan kepemilikan emas yang dikenal dengan beli gadai emas yang mengandung spekulatif. Hal ini mengakibatkan resiko terhadap bank timbulnya resiko terhadap perbankan syariah yaitu Market risk (resiko pasar), penurunan harga emas yang menyebabkan turunnya pengembalian investasi pemilik emas. Liquidity risk (risiko likuiditas), sulitnya menjual emas di saat harganya turun. kemudian Capital risk (risiko modal), kerugian karena penurunan harga emas dapat menambah kerugian bank dan berpotensi menurunkan Capital Adequet Ratio (CAR) atau rasio kecukupan modal. Credit risk (risiko kredit), penurunan harga emas berpotensi menunda ditebusnya kembali emas oleh nasabah debitur. Reputation risk (resiko reputasi), maraknya qard untuk rahn emas dan berkebun emas berpotensi menurunkan fungsi dan peran utama bank syariah dalam membiayai usaha produktif di sektor riil, mengingat prinsip kehati-hatian bank sehingga Bank Indonesia menghentikan kegiatan produk ini sementara waktu dengan menerbitkan Surat Edaran Bank Indonesia Nomor 14/7/DPbS  tanggal 29 februari 2012 tentang Produk Qard Beragun Emas bagi Bank Syariah dan Unit Usaha Syariah. Selanjutnya di singkat dengan SEBI 14/7/2012 karena menyalahi tujuan dan karakteristik dari produk qard beragun emas dan melanggar prinsip kehati-hatian bank (prudent banking principle) yang menimbulkan resiko terhadap perbankan syariah.  The Termination of Qard Gold-Warranty Practice Based on Bank Indonesia Letter Number 14/7/DPBS Year 2012 in Shariah Banking  Based on Bank Indonesia Regulation Number 7/46 / PBI / 2005 towards Agreement for Collection and Distribution of Funds for Banks Conducting Business according to Sharia Principles, stipulated that "Qard is a contract for the distribution of funds by Sharia Bank or Sharia Business Unit (UUS) to customers as debt receivables provided that the customer is required to refund the funds to the Sharia Bank or UUS at the agreed time. Sharia gold rahn or qard gold-warranty is a product in which the bank provides loan facilities to customers with warranty in the form of goods/property of its Customer by following the principle of gold rahn. Such goods/property are put under control and maintenance of the bank, and for its maintenance bank impose a rental fee on the basis of the Ijarah Principle. The development of qard gold-warranty products where sharia banks begin to combine mortgages/fiduciary/pledge with financing ownership of gold which also known as speculative gold-buying pledge. This matter create a risk to the bank so that Bank Indonesia ceased/terminated this product activity temporarily by issuing Bank Indonesia Letter Number 14/7 / DPbS dated 29 February 2012 onQard Gold-warranty Products for Shariah Bank and Shariah Business Unit. Furthermore, it is in brief stated as SEBI 14/7/2012 because it violates the purpose and characteristics of qard gold-warranty products and also infringing the prudent of banking principle which create a risk to sharia banking.

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