Analisis Mitigasi Risiko Pada Pembiayaan Mudharabah di PT. Bank Syariah Mandiri

  • Sofiyyatul Huda Program Studi Perbankan Syariah FAI UNISMA Bekasi
  • Fajri Ryan Isnandar Program Studi Perbankan Syariah FAI UNISMA Bekasi
Keywords: Mudharabah Financing, Risk Mitigation, Bank Syariah Mandiri


Mudharabah financing is a form of cooperation between two or more parties, in which the owner
of the capital (shahibul maal) entrusts a certain amount of capital to the manager (mudharib) to be
managed with a profit-sharing agreement (profit sharing). This study aims to determine what risks
arise in mudharabah financing and how risk mitigation is carried out by Bank Syariah Mandiri. This
research is research using descriptive qualitative method. Data were collected through observation,
interviews with the FGD (Focus Group Discussion) method with 4 (four) sources and documentation.
The method of data analysis was done by using the descriptive analysis method.. The results show that
the risks that arise in mudharabah financing at Bank Syariah Mandiri are: First, the risk of financing
caused by the customer not being able to pay their obligations to the bank, and second, the legal
risk caused by the weakness of the agreement (agreement). As for the mitigation carried out by Bank
Syariah Mandiri in dealing with risks that arise in mudharabah financing, namely: First, by rigorously
conducting 5C and 6A analysis. Second, by taking steps to save financing, including (1) intensive
collection, (2) giving warnings, (3) rescheduling, (4) reconditioning, (5) restructuring, (6) settlement
through guarantee insurance, (7) Settlement through guarantees, (8) Settlement through Write Off,
(9) Settlement through stipulation of fines / ta’wid. From risk mitigation carried out by Bank Syariah
Mandiri, it has been able to minimize the risks that occur in mudharabah financing.