Analisis Manajemen Risiko Produk Pembiayaan Multijasa Pada PT. Bank Tabungan Negara Syariah
DOI:
https://doi.org/10.33558/attamwil.v3i1.9603Keywords:
Risk management, Multi-Service Financing, Islamic BanksAbstract
This research discusses the risk management analysis carried out by PT. Sharia State Savings Bank towards multi-service financing products. The method used in this study is descriptive qualitative, the data collected in this study is in the form of words, sentences or images that describe the actual situation. The author collects data through observation, interviews, and documentation to facilitate the research process. The results showed that the risks faced by PT. Sharia State Savings Bank towards multi-service financing, namely financing risks and operational risks. The application of risk management carried out by PT. Sharia State Savings Bank is by conducting an identification process by looking at 5C (Character, Capacity, Capital, Collateral, Condition Of Economy), measuring by looking at the NPF value every month, monitoring by providing daily report updates, as well as controlling with several collection processes, visits, saving financing using Reconditioning and Rescheduling, as well as conducting collateral auctions. Pt. Sharia State Savings Bank has carried out risk management of multi-service financing properly and in accordance with PBI No. 13/23/PBI/2011 concerning the Application of Risk Management for Sharia Commercial Banks and Sharia Business Units, namely a series of procedures and methodologies used to identify, measure, monitor, and control risks that arise.
Downloads
References
Adlini, M. N., Dinda, A. H., Yulinda, S., Chotimah, O., & Merliyana, S. J. (2022). Metode penelitian kualitatif studi pustaka. Edumaspul: Jurnal Pendidikan, 6(1), 974–980.
Aliyah, L. H., & Putra, P. (2022). Analisis Forecasting Dalam Perkembangan Kinerja Keuangan Pada Bprs Harta Insan Karimah Cibitung Periode 2013-2020. MASLAHAH (Jurnal Hukum Islam Dan Perbankan Syariah), 13(1), 105–126.
Anam, H. (2023). Manajemen Risiko Operasional Bank Syariah; Teori dan Manfaat. Jurnal At-Tamwil: Kajian Ekonomi Syariah, 5(1), 16–31.
Andriyani, M., & Tanjung, H. (2018). Analisis Manajemen Risiko Dalam Mengatasi Pembiayaan Bermasalah Pada Kredit Pemilikan Rumah (KPR)(Studi Kasus BRI Syariah Cabang Bogor). Al-Infaq: Jurnal Ekonomi Islam, 6(2), 217–261.
Assyakurrohim, D., Ikhram, D., Sirodj, R. A., & Afgani, M. W. (2023). Metode studi kasus dalam penelitian kualitatif. Jurnal Pendidikan Sains Dan Komputer, 3(01), 1–9.
Dariana, D., & Ismanto, W. (2020). Analisis Pembiayaan Multijasa Dengan Akad Ijarah. JPS (Jurnal Perbankan Syariah), 1(1), 1–14.
Fahlevi, R. (2016). Analisis Pengaruh BI Rate, Dana Pihak Ketiga (DPK) dan Rasio Non Performing Financing (NPF) terhadap Produk Pembiayaan dengan Akad Murabahah pada Bank Syariah di Indonesia. MASLAHAH (Jurnal Hukum Islam Dan Perbankan Syariah), 7(1), 87–98.
Fatmawati, N. L., & Muhammad, R. (2020). Implementasi Akad Ijarah Multijasa Sektor Pendidikan: Studi Kasus Bank CIMB Niaga Syariah. Jurnal Ekonomi Islam, 11(2), 187–204.
Fauziyyah, N., Isfandayani, I., & Mardiah, S. (2023). Analisis Pelaksanaan Monitoring Terhadap Pembiayaan Murabahah Di BPRS Patriot Bekasi. At-Tamwil: Journal of Islamic Economics and Finance, 2(2), 110–128. https://doi.org/10.33558/attamwil.v2i2.8019
Fiantika, F., Wasil, M., Jumiyati, S., Honesti, L., Wahyuni, S., Mouw, E., Mashudi, I., Hasanah, N., Maharani, A., & Ambarwati, K. (2022). Metodologi penelitian kualitatif. Metodologi Penelitian Kualitatif. In Rake Sarasin (Issue March). Surabaya: PT. Pustaka Pelajar. Https://Scholar. Google. Com/Citations.
Galang Mandiri & Teja Donarisman. (2022). Manajemen Risiko Produk Pembiayaan Multijasa Pada PT. Bank Tabungan Negara Syariah Kantor Cabang Bekasi (Siti Milasari, Interviewer) [Personal communication].
Huda, N., Hudori, K., Fahlevi, R., Mazaya, D., & Sugiarti, D. (2017). Pemasaran Syariah: Terori & Aplikasi. Kencana.
Khoiriyah, U., Syam, A. H. B., Larasati, L., Maulana, M. D., & Rahmawati, R. (2022). Analisis Profitabilitas Bank Syariah Swasta di Indonesia sebelum dan Sesudah Covid-19 (Dengan Menggunakan Metode Horizontal). Shafin: Sharia Finance and Accounting Journal, 2(1), 21–33.
Masrur, P. A., & Isndandar, F. R. (2022). Strategi Pengembangan Pembiayaan Mikro PT Bank Negara Indonesia Syariah Kantor Cabang Bekasi Menggunakan Metode SWOT Dan ANP. At-Tamwil: Journal of Islamic Economics and Finance, 1(2), 113–128. https://doi.org/10.33558/attamwil.v1i2.5721
Misuari, M., & Rahmawati, R. (2022). Pengaruh Capital Adequacy Ratio (CAR), Financing To Deposit Ratio (FDR), Non Performing Financing (NPF) dan Inflasi Terhadap Profitabilitas (Studi Kasus PT Bank Victoria Syariah Periode September 2013-2018). At-Tamwil: Journal of Islamic Economics and Finance, 1(1), 1–16.
Mursal, M. (2015). Implementasi Prinsip-Prinsip Ekonomi Syariah: Alternatif Mewujudkan Kesejahteraan Berkeadilan. Jurnal Perspektif Ekonomi Darussalam (Darussalam Journal of Economic Perspec, 1(1), 75–84.
Nisak, B., & Ibrahim, A. (2014). Analisis Manajemen Risiko Pembiayaan Musyarakah Pada Baitul Qiradh Bina Insan Mandiri Banda Aceh. Share: Jurnal Ekonomi Dan Keuangan Islam, 3(1), 41–55.
Nisrina, S. (2021). Kajian Pada Sistem Pembiayaan Multijasa Di BMT Nurul Ummah Sukabumi. Nusantara Hasana Journal, 1(4), 102–107.
Nurani, S., Isfandayani, I., & Putra, P. (2023). STRATEGI MANAJEMEN RISIKO PADA OPERASIONAL BANK BTN SYARIAH DI MASA PANDEMI COVID-19. MASLAHAH (Jurnal Hukum Islam Dan Perbankan Syariah), 14(1), 61–76.
Pariyanti, E. (2018). Analisis Penerapan Produk Ijarah Multijasa Pada Pt. Bank Perkreditan Rakyat Syariah (Pt. Bprs) Lampung Timur. Fidusia: Jurnal Keuangan Dan Perbankan, 1(1).
Putra, P., & Hasanah, M. (2018). Pengaruh pembiayaan mudharabah, musyarakah, murabahah, dan ijarah terhadap profitabilitas 4 bank umum syariah periode 2013-2016. Jurnal Organisasi Dan Manajemen, 14(2), 140–150.
Qotrunnada, L., & Saifuddin, M. (2020). Model Manajemen Fundrising Wakaf di Surabaya (Studi di Yayasan Dana Sosial Al-Falah, Perbandingan Wakaf Selangor, BWI dan Wakaf Global). Management of Zakat and Waqf Journal (MAZAWA), 2(1), 38–49. https://doi.org/10.15642/mzw.2020.2.1.38-49
Solihah, A. M. (2014). Penerapan Akad Ijarah pada Pembiayaan Multijasa dalam Perspektif Hukum Islam. Az-Zarqa’: Jurnal Hukum Bisnis Islam, 6(1).
Sugiyono, P. (2018). Quantitative, qualitative, and R&D research methods. Bandung:(ALFABETA, Ed.).
Yuliani, M. (2017). Manajemen Lembaga Keuangan Non Bank Dana Pensiun Berdasarkan Prinsip Syariah. Dinamika Penelitian: Media Komunikasi Penelitian Sosial Keagamaan, 17(2), 221–240.