Manajemen Risiko Dalam Perbankan Syariah (Pasar Layanan Keuangan Yang Berkembang)
-
Faisal Akbar
*
Universitas Islam Negeri Sumatera Utara,
Indonesia
(*) Corresponding Author
Keywords:
Perbankan Syariah
Abstract
Tujuan tulisan ini adalah untuk meninjau risiko yang dihadapi lembaga keuangan Islam dalam konteks pasar yang sedang berkembang, termasuk risiko berbagi pembiayaan Islam dan risiko kepatuhan Syariah (hukum Islam). Kami mengeksplorasi praktik manajemen risiko saat ini dan membangun hubungan antara manajemen risiko dan kinerja keuangan bank dan efisiensi dan efektivitas sektor keuangan di pasar negara berkembang. Karena profil risiko yang khas, lembaga keuangan Islam menghadapi tantangan dalam manajemen risiko. Kami menunjukkan bahwa perbankan syariah lebih berisiko di pasar negara berkembang karena kehadiran pasar uang yang belum matang, keterbatasan ketersediaan pemberi pinjaman fasilitas resor terakhir, dan kekurangan dalam infrastruktur pasar. Juga tidak ada bukti bahwa bank syariah telah mengembangkan solusi yang efektif untuk mengelola risiko yang dihadapi bank konvensional serta risiko uniknya sendiri. Kami menyarankan bahwa negara-negara yang melakukan yang terbaik adalah negara-negara yang memprioritaskan struktur pengetahuan dan kemampuan manajemen risiko dalam satu regulator keuangan
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Paldi, C. (2014). Kecukupan modal, likuiditas, dan risiko: Apakah perbankan syariah terlalu mahal? Jurnal Perbankan dan Keuangan Islam, 2(1), 407411.
Rahman, M. M., Rahman, M. A., & Azad, M. A. K. (2015). Risk management practices in Islamic and conventional banks of Bangladesh: A comparative analysis. Asian Social Science, 11(18), 153163.
Saunders, A., & Schumacher, L. (2000). The determinants of bank interest rate margins: An international study. Journal of International Money and Finance, 19(6), 813832.
Schroeck, G. (2002). Risk management and value creation in financial institutions. Canada: Wiley.
Shafiq, A., & Nasr, M. (2010). Risk management practices followed by the commercial banks in Pakistan. Journal of International Review of Business Research Papers, 6(2), 308325.
Siti Nor Amira, M., Mohamad, B., Muhammad Ridhwan, A.-A., Khairil, K., Mazlynda, Y., & Hisham, S. (2014). Manajemen risiko kredit syariah dalam pembiayaan Murabahah - studi perbankan Islam di Malaysia. Jurnal Ilmu Pengetahuan Dasar dan Terapan Australia , 8(6), 318323.
Tafri, F. H., Rahman, R. A., & Omar, N. (2011). Empirical evidence on the risk management tools practised in Islamic and conventional banks. Qualitative Research in Financial Markets, 3(2), 86104.
Tariq, A. A., & Humayon, D. (2007). Risks of Sukuk structures: Implications for resource mobilization. Thunderbird International Business Review, 49(2), 20.
Ullah, M. M., & Chowdhury, M. S. A. (2013). Prospects of Islamic banking in Bangladesh. Published Paper. Presented at the Proceedings of 3rd Asia-Pacific Business Research Conference, Kuala Lumpur, Malaysia. Retrievedfrom http://www.wbiworldconpro.com/uploads/ malaysia-conference-2013/banking/611-Shahnur.pdf
Zamir, I. (2014). Post-crisis regulatory environment and implications for Islamic financial services industry. Journal of Islamic Banking and Finance, 31(1), 10.
Zepeda, R. (2013). Enhancing Islamic finance through risk benchmarking. The Capco Institute Journal of Financial Transformation, 38(1), 1734.
Abedifar, P., Molyneux, P., & Tarazi, A. (2013). Risk in Islamic banking. Review of Finance, 17(6), 20352096.
Ahmed, H., Asutay, M., & Wilson, R. (2013). Islamic banking and financial crisis: Reputation, stability and risks. Edinburgh: Edinburgh University Press.
Ahmed, N., Akhtar, M. F., & Usman, M. (2011). Risk management practices and Islamic banks: An empirical investigation from Pakistan interdisciplinary. Journal of Research in Business, 1(6).
Al-Hares, O. M., AbuGhazaleh, N. M., & El-Galfy, A. M. (2013). Financial performance and compliance with Basel III capital standards: Conventional vs. Islamic banks. The Journal of Applied Business Research, 29(4), 18.
Al-Janabi, M. A. M. (2008). Proactive risk management in emerging and Islamic financial markets: Evidence from the Moroccan financial markets. Humanomics, 24(2), 20.
Al-Tamimi, H. (2002). Risk management practices: An empirical analysis of the UAE commercial banks. Finance India, 16(3), 10451057.
Al-Tamimi, H., & Al-Mazrooei, M. (2007). Banks’ risk management: A comparison study of UAE national and foreign banks. The Journal of Risk Finance, 8(4), 394.
Al-Wesabi, H. A. H., & Ahmad, N. H. (2013). Credit risk of Islamic banks in GCC countries. International Journal of Banking and Finance, 10(2), 97112.
Alam, M. Z., & Masukujjaman, M. (2011). Risk management practices: A critical diagnosis of some selected commercial banks in Bangladesh. Journal of Business and Technology (Dhaka), 6(01), 1535.
Alrukhayyes, Z., Grove, H., & Feldman, J. (2014). Islamic banks risk management case. Online Journal of International Case Analysis, 5(2), 1.
Angbazo, L. (1997). Commercial bank net interest margins, default risk, interest rate risk, and offbalance sheet banking. Journal of Banking and Finance, 21(1), 5587.
Archer, S., & Karim, R. A. A. (2013). Operational risk exposures of Islamic banks (pp. 133152). Singapore: Wiley.
Ariffin, M., & Kassim, H. (2011). Praktik manajemen risiko dan kinerja keuangan bank syariah. Makalah disajikan pada Makalah Bukti Malaysia yang dipresentasikan pada Konferensi Internasional ke-8 tentang Ekonomi dan Keuangan Islam. Pusat Konvensi Nasional, Qatar. Diterimadarihttp://conference.qfis.edu.qa/app/media/21
Bitar, B. A. (2015). Risk management under Shariah law: Products, techniques and competitiveness (p. 64). Berlin: Anchor Academic Publishing.
Chattha, J. A., & Halim, W. N. W. A. (2014). Strengthening the financial safety net: The role of Sharia’h Compliant Lender-Of-Last-Resort (SLOLR) facilities as an emergency financing mechanism. IFSB Working Paper Series. Retrieved from http://www.ifsb.org/docs/WP-01_(2014% 20April)%20Working%20Paper%20on%20SLOLR.pdf
Drzik, J. (2005). New directions in risk management. Journal of Financial Econometrics, 3(1), 2636.
Fenech, J. P., & Watson, J. (2009). The use of fixed income in emerging markets: Empirical evidence. Banks and Bank Systems, 4(1), 1118.
Gait, A., & Worthington, A. C. (2014). A primer on Islamic finance. In A. C. Worthington (Ed.), Contemporary issues in Islamic finance: Principles, progress, and prospects (pp. 729). New York, NY: Nova Publishing.
Greuning, H. V., & Iqbal, Z. (2009). Risk analysis for Islamic banks. J.KAU: Islamic Economics, 22(1), 7.
Hakim, S., & Neami, S. (2001). Performance and credit risk in banking: A comparative study of Egypt and Lebanon. ERF Working Paper Series, Working Paper No. 0137. Retrieved from http://www.erf.org.eg/ CMS/uploads/pdf/0137.pdf
IFSB-IDB-IRTS. (2010, April). Islamic finance and global financial stability report 2010. Kuala Lumpur: Islamic Financial Services Board.
Iqbal, M. (2013). Islamic finance: An attractive new way of financial intermediation. International Journal of Banking and Finance, 10(2), 25.
Khalid, S., & Amjad, S. (2012). Risk management practices in Islamic banks of Pakistan. The Journal of Risk Finance, 13(2), 148159.
Mokni, R. B. S., Echchabi, A., Azouzi, D., & Rachdi, H. (2014). Risk management tools practiced in Islamic banks: Evidence in MENA region. Journal of Islamic Accounting and Business Research, 5(1), 7797. doi:10.1108/JIABR-10-2012-0070
Najeeb, S. F. (2013). Managing business and financial risks of Sukuk: An Islamic risk management perspective. Journal of Islamic Business and Management, 3(2), 26.
Nazir, M. S., Daniel, A., & Nawaz, M. M. (2012). Risk management practises: A comparison of conventional and Islamic banks in Pakistan. American Journal of Scientific Research, 68, 114122.
Nocco, W., & Stulz, R. (2006). Enterprise risk management: Theory and practice. Ohio State University working paper. USA. Retrieved from http://ssrn.com/abstract=921402or http://dx.doi.org/10.2139/ssrn. 921402
Pagach, D. P., & Warr, R. S. (2007). An empirical investigation of the characteristics of firms adopting enterprise risk management. Retrieved from http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1010200
Paldi, C. (2014). Kecukupan modal, likuiditas, dan risiko: Apakah perbankan syariah terlalu mahal? Jurnal Perbankan dan Keuangan Islam, 2(1), 407411.
Rahman, M. M., Rahman, M. A., & Azad, M. A. K. (2015). Risk management practices in Islamic and conventional banks of Bangladesh: A comparative analysis. Asian Social Science, 11(18), 153163.
Saunders, A., & Schumacher, L. (2000). The determinants of bank interest rate margins: An international study. Journal of International Money and Finance, 19(6), 813832.
Schroeck, G. (2002). Risk management and value creation in financial institutions. Canada: Wiley.
Shafiq, A., & Nasr, M. (2010). Risk management practices followed by the commercial banks in Pakistan. Journal of International Review of Business Research Papers, 6(2), 308325.
Siti Nor Amira, M., Mohamad, B., Muhammad Ridhwan, A.-A., Khairil, K., Mazlynda, Y., & Hisham, S. (2014). Manajemen risiko kredit syariah dalam pembiayaan Murabahah - studi perbankan Islam di Malaysia. Jurnal Ilmu Pengetahuan Dasar dan Terapan Australia , 8(6), 318323.
Tafri, F. H., Rahman, R. A., & Omar, N. (2011). Empirical evidence on the risk management tools practised in Islamic and conventional banks. Qualitative Research in Financial Markets, 3(2), 86104.
Tariq, A. A., & Humayon, D. (2007). Risks of Sukuk structures: Implications for resource mobilization. Thunderbird International Business Review, 49(2), 20.
Ullah, M. M., & Chowdhury, M. S. A. (2013). Prospects of Islamic banking in Bangladesh. Published Paper. Presented at the Proceedings of 3rd Asia-Pacific Business Research Conference, Kuala Lumpur, Malaysia. Retrievedfrom http://www.wbiworldconpro.com/uploads/ malaysia-conference-2013/banking/611-Shahnur.pdf
Zamir, I. (2014). Post-crisis regulatory environment and implications for Islamic financial services industry. Journal of Islamic Banking and Finance, 31(1), 10.
Zepeda, R. (2013). Enhancing Islamic finance through risk benchmarking. The Capco Institute Journal of Financial Transformation, 38(1), 1734.
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Article History
Submitted: 2020-02-18
Published: 2020-02-20
Abstract View: 2742 times
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How to Cite
Akbar, F. (2020). Manajemen Risiko Dalam Perbankan Syariah (Pasar Layanan Keuangan Yang Berkembang). Ekonomi, Keuangan, Investasi Dan Syariah (EKUITAS), 1(2), 111-119. Retrieved from https://ejurnal.seminar-id.com/index.php/ekuitas/article/view/105
Issue
Vol 1 No 2 (2020): February 2020
Pages: 111-119
Pages: 111-119
Section
Articles
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