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

Herlan Firmansyah; Mohamad Anton Athoillah

doi:10.30984/jis.v17i2.957

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

Herlan Firmansyah, Mohamad Anton Athoillah

Abstract

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.

Keywords

Business Risk; Financingl; Profitability; Islamic Banking.

Full Text:

PDF

References

Ansori, H. R., & Safira, S. (n.d.). Analisis Pengaruh Manajemen Risiko Terhadap Profitabilitas. Jurnal Profita, 11(1), 1–19.

Arif, M. N. R. Al. (2012). Lembaga Keuangan Syariah. Bandung: Pustaka Setia.

Askari, H., Iqbal, Z., & Mirakhor, A. (2015). Introduction to Islamic Economics : Theory and Application. Singapore: John Wiley & Sons.

Dantes, N. (2012). Metode Penelitian. Yogyakarta: CV ANDI OFFSET.

Ekawarna, E., & Fachruddiansyah, F. (2010). Ekawarna dan Fachruddiansyah, Pengantar Teori Ekonomi Makro. Jakarta: Gaung Persada.

Fahmi, B. (2007). Manajemen Risiko. Jakarta: Grasindo.

Fasa, M. I. (2016). Manajemen Resiko Perbankan Syariah di Indonesia. Li Falah. Jurnal Studi Ekonomi Dan Bisnis Islam, 1(2).

Firmansyah, H., & W, P. (2014). Ekonomi Muatan Kebanksentralan. Jakarta: Bank Indonesia dan Kementerian Pendidikan dan Kebudayaan.

Harun, C. A., & Nattan, R. (2013). Non Core Deposit: Studi terhadap Dana Pihak Ketiga Perbankan di Indonesia. Jakarta: Bank Indonesia.

Hery, H. (2015). Analisis Laporan Keuangan Pendekatan Rasio Keuangan. Jakarta: Buku Seru.

Indonesia, B. (2011). Peraturan Bank Indonesia (PBI) Nomor 13/23/PBI/2011 tentang Penerapan Manajemen Risiko bagi Bank Umum Syariah dan Unit Usaha Syariah. Bank Indonesia.

Indonesia, I. B. (2015a). Manajemen Risiko 1: Mengidentifikasi Risiko Pasar, Operasional dan Kredit Bank. Jakarta: Gramedia Pustaka Utama.

Indonesia, I. B. (2015b). Mengelola Bisnis Pembiayaan Bank Syariah. Jakarta: Gramedia Pustaka Utama.

Indonesia, I. B. (2016a). Manajemen Kesehatan Bank berbasis Risiko. Jakarta: Gramedia Pustaka Utama.

Indonesia, I. B. (2016b). Supervisi Manajemen Risiko Bank. Jakarta: Gramedia Pustaka Utama.

Karim, A. A. (1999). Adiwarman A. Karim, Modul Certificate Islamic Finance Analisys, Islamic Finance and Islamic Capita Market. Jakarta: EKONISIA FE UI.

Karim, A. A. (2014). Bank Islam: Analisis Fiqih dan Keuangan. Jakarta: PT. Raja Grafindo Persada.

Mankiw, N. G. (2013). Macroeconomics (8 ed.). New York USA: Charles Linsmeier.

Mannan, A. M. (1993). Understanding Islamic Finance: A. Study of Securities Market in the Islamic Framework. Islamic Research and Training Institute of IDB.

Muhammad, M. (2000). Lembaga-lembaga Keuangan Umat Kontemporer. Yogyakarta: Multi Karya Grafika.

Rivai, V., & Veithzal, A. P. (2008). Islamic Financial Management: Teori, Konsep, dan Aplikasi Panduan Praktis untuk Lembaga Keuangan, Nasabah, Praktisi, dan Mahasiswa. Jakarta: Rajawali Press.

Rustam, B. R. (2013). Manajemen Risiko Perbankan Syariah di Indonesia. Jakarta: Salemba Setia.

Saebani, B. A., & Abdullah, B. (2014). Metode Penelitian Ekonomi Islam. Bandung: Pustaka Setia.

Sidiq, R. (2018). Analisis Pengaruh Jenis Produk Pembiayaan Dan Risiko Bank Terhadap Profitabilitas Perbankan Syariah Di Indonesia. Universitas Islam Indonesia Yogyakarta.

Suryani, S., & Hendryadi, H. (2015). Metode Riset Kuantitatif: Teori dan Aplikasi pada Penelitian Bidang Manajemen dan Ekonomi Islam. Jakarta: Prenada Group.

Wahyudi, I., & Dkk. (2013). Manajemen Risiko Bank Islam. Jakarta: Salemba Setia.

Yulianti, R. T. (2009). La Riba. Jurnal Ekonomi Islam, 3(2).

DOI: http://dx.doi.org/10.30984/jis.v17i2.957