MANAJEMEN RISIKO STRATEGIS DALAM PERBANKAN SYARIAH: PENDEKATAN INTEGRATIF TERHADAP KETIDAKPASTIAN EKSTERNAL DAN KEPATUHAN SYARIAH
DOI:
https://doi.org/10.71282/jurmie.v2i12.1332Keywords:
Strategic Risk Management, Islamic Bank, Uncertainty, Sharia Compliance, Business StrategyAbstract
Strategic risk management is a crucial element in ensuring the sustainability of Islamic banking institutions, which operate in an environment full of uncertainty and bound by Sharia principles. This study aims to identify strategic risk management practices in national Islamic commercial banks and evaluate the integration between long-term business strategies and compliance with Sharia regulations. Through a descriptive qualitative approach involving literature studies and in-depth interviews, the findings reveal that Islamic banks face strategic risks arising from regulatory changes, competitive dynamics, and the expectations of Sharia stakeholders. The results show that institutions that proactively implement strategic risk management are better able to maintain stability and uphold their Sharia reputation.
Downloads
References
Creswell, J. W., & Poth, C. N. (2018). Qualitative Inquiry and Research Design: Choosing Among Five Approaches (4th ed.). Sage Publications.
Frigo, M. L., & Anderson, R. J. (2011). Strategic Risk Management: A Foundation for Improving Enterprise Risk Management and Governance. Journal of Corporate Accounting & Finance, 22(3), 81–88.
Ismail, A. G. (2010). Maqasid al-Shariah-Based Performance Measurement for the Islamic Banking Industry. Islamic Economic Studies, 17(2), 1–30.
OJK. (2021). Laporan Perkembangan Perbankan Syariah Indonesia 2020–2021. Jakarta: Otoritas Jasa Keuangan.
Otoritas Jasa Keuangan (OJK). (2022). Laporan Perkembangan Perbankan Syariah 2022. Jakarta: OJK.
COSO. (2017). Enterprise Risk Management – Integrating with Strategy and Performance.
Committee of Sponsoring Organizations of the Treadway Commission.
BNPB. (2023). Panduan Manajemen Risiko Strategis di Lembaga Keuangan. Jakarta: Badan Nasional Penanggulangan Bencana.
Chapra, M. U., & Ahmed, H. (2002). Corporate Governance in Islamic Financial Institutions.
Islamic Development Bank.
Iqbal, Z., & Mirakhor, A. (2011). An Introduction to Islamic Finance: Theory and Practice (2nd ed.). John Wiley & Sons.
Antonio, M. S. (2001). Bank Syariah: Dari Teori ke Praktik. Jakarta: Gema Insani.
Dusuki, A. W., & Abozaid, A. (2007). A Critical Appraisal on the Challenges of Realizing Maqasid al-Shariah in Islamic Banking and Finance. IIUM Journal of Economics and Management, 15(2), 143–165.
Greuning, H., & Iqbal, Z. (2008). Risk Analysis for Islamic Banks. Washington: The World Bank. Karim, A. A. (2012). Manajemen Perbankan Syariah. Jakarta: RajaGrafindo Persada.
Al-Tamimi, H. A. H., & Al-Mazrooei, F. M. (2007). Banks' risk management: A comparison study of UAE national and foreign banks. The Journal of Risk Finance, 8(4), 394–409. https://doi.org/10.1108/15265940710777333
Haron, S., & Azmi, W. N. W. (2009). Islamic finance and banking system: Philosophies, principles & practices. Kuala Lumpur: McGraw-Hill.
Wicaksono, A. B., & Zuhro, S. (2021). Manajemen Risiko Strategis Bank Syariah: Studi Kasus pada Bank Umum Syariah. Jurnal Keuangan dan Perbankan Syariah, 5(2), 129–146.
Creswell, J. W., & Poth, C. N. (2018). Qualitative inquiry and research design: Choosing among five approaches (4th ed.). Sage Publications.
Sugiyono. (2019). Metode penelitian kualitatif, kuantitatif, dan R&D. Bandung: Alfabeta.
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Dewi Aulia Sari, Putri Handayani, Rangga Putra Andika (Author)
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
