OPERATIONAL RISK MANAGEMENT OF AN INDEPENDENT ISLAMIC BANK

Miftachus Surur, Muhammad Deni Putra, Firnanda Ayu Widiyanita

Abstract


Risk is always be an obstacle to achieving the goals of companies and financial institutions,
both of conventional and sharia. It has become a necessity for every company and financial institution
to have a good risk management system so be able to manage existing risks in order to avoid losses, but
the application of risk management carried out by Islamic banks certainly has a very high complexity
and needs to be deepen. This study uses a qualitative descriptive approach with purposive sampling of
reports on the implementation of BSM operational risk management and the efforts made to mitigate
risk in 2016-2019. Syari'ah Mandiri Bank has the aim to create sustainable company growth through the
optimization of Good Corporate Governance (GCG). Based on the Risk & Control Self Assessment (RCSA)
assessment, operational risks that occurred in BSM from 2016 to 2019 have been successfully managed well
with the average impact rating low moderate - moderate and average frequency level 2 (The possibility of
an event occurring in a 12 month period of less than 20%), this shows that achievement of the application
operational risk management that has been very well done by Syari 'ah Mandiri Bank.


Keywords


Bank Syariah

Full Text:

PDF

References


Arfan, Abbas, Saifullah, and Fakhruddin. 2016.

“Implementasi Prinsip Bagi Hasil Dan

Manajemen Risiko Dalam Produk-Produk

Pembiayaan.” INFERENSI, Jurnal Penelitian

Sosial Keagamaan 214 10(1):213–38.

Bank Syariah Mandiri. 2016. Laporan Tahunan

: Tumbuh Berkualitas. Jakarta.

Bank Syariah Mandiri. 2017. Laporan Tahunan

: Tumbuh Sehat Berkelanjutan,

Mengalirkan Berkah Untuk Negeri. Jakarta.

Bank Syariah Mandiri. 2018. Laporan Tahunan

: Memperkuat Daya Saing Melalui

Peningkatan Keunggulan Perusahaan. Jakarta.

Bank Syariah Mandiri. 2019. Laporan Tahunan

: Memberikan Nilai Tambah Melalui

Pengembangan Kapabilitas Internal. Jakarta.

Bank Syariah Mandiri. n.d. “Sejarah | Bank

Syariah Mandiri.” PT. Bank Syariah Mandiri.

Retrieved September 15, 2020 (https://www.

mandirisyariah.co.id/tentang-kami/sejarah).

Hidayat, Wahyu. 2019. “Implementasi Manajemen

Resiko Syariah Dalam Koperasi Syariah.” Asy-

Syukriyyah 20(2):30–50.

IBI. 2015a. Manajemen Resiko 1, Modul Sertifikasi

Manajemen Resiko Tingkat 1. Jakarta: PT.

Gramerdia Pustaka Utama.

IBI. 2015b. Manajemen Resiko 2, Modul Sertifikasi

Manajemen Resiko Tingkat 2. Jakarta: PT.

Gramerdia Pustaka Utama.

Jureid. 2016. “Manajemen Risiko Bank Islam

(Penanganan Pembiayaan Bermasalah Dalam

Produk Pembiayaan Pada Pt. Bank Muamalat

Cabang Pembantu Panyabungan).” Jurnal

Analytica Islamica 5(1):81–107.

Karim, Adiwarman A. 2006. BANK ISLAM: Analisis

Fiqih Dan Keuangan, Edisi Ketiga.

Muhammad. 2005. Manajemen Bank Syariah.

Yogyakarta: (UPP)AMPYKPN.

Nawawi, Hadari, and Mimi Martini. 2005.

Penelitian Terapan. Yogyakarta: UGM Press.

RI, Departemen Agama. 2015a. “Al Hasyr (59).” in Al

Qur’an dan Terjemah. Bandung: CV. Darus Sunnah.

RI, Departemen Agama. 2015b. “Surat Al Zalzalah

(9).” Pp. 7–8 in Al-Qur’an dan terjemah.

Bandung: CV. Darus Sunnah.

Rivai, Veithzal, and Rifki Ismal. 2013. Islamic Risk

Management for Islamic Bank. Jakarta: PT.

Gramerdia Pustaka Utama.

Rukmana, Amir Machmud. 2010. Bank Syariah

(Teori, Kebijakan, Dan Studi Empiris Di

Indonesia). Jakarta: PT. Gelora Aksara Pratama.

Salim, Abbas. 2008. Asuransi Dan Manajemen

Risiko. Jakarta: PT Raja Grafindo Persada.

Siahaan, Hinsa. 2009. Manajemen Risiko Pada

Perusahaan Dan Birokrasi. Jakarta: PT. Elex

Media Komputindo.

Sugiyono. 2014. Metode Penelitian Kuantitatif,

Kualitatif Dan R&D. Bandung: Alfabeta.




DOI: http://dx.doi.org/10.31958/imara.v5i1.2420

Refbacks

  • There are currently no refbacks.


INDEX BY:

 

Lisensi Creative Commons
Journal Imara distribute under Lisensi Creative Commons Atribusi-NonKomersial 4.0 Internasional.<iframe style="border: 0;" src="https://www.google.com