Please use this identifier to cite or link to this item:
http://repository.ipb.ac.id/handle/123456789/124200
Title: | Manajemen Risiko pada Bank Pembiayaan Rakyat Syariah XYZ |
Other Titles: | Risk Management in Islamic Financing Bank XYZ |
Authors: | Hartoyo, Hartoyo Palupiningrum, Agustina Widi Aulia, Assila Puspa |
Issue Date: | 22-Aug-2023 |
Publisher: | IPB University |
Abstract: | PT BPRS XYZ merupakan sebuah lembaga keuangan syariah yang telah berdiri
sejak 14 Oktober 1997. Dalam proses bisnisnya, PT BPRS XYZ menghadapi
berbagai risiko internal maupun eksternal, seperti risiko kegagalan pembiayaan,
persaingan, dan pandemi/wabah. Manajemen risiko penting untuk dilakukan karena
dapat membantu perusahaan mencegah, mengurangi, atau mengatasi risiko-risiko
yang mengancam ketercapaian tujuan perusahaan. Penelitian ini bertujuan untuk
mengidentifikasi risiko, menilai risiko, dan menganalisis upaya perlakuan risiko
kredit/pembiayaan dan operasional yang terjadi pada PT BPRS XYZ berlandaskan
ISO 31000: 2018. Metode yang digunakan dalam penelitian ini adalah studi kasus
yang didukung statistika deskriptif. Hasil penelitian menemukan 15 jenis risiko
yang dihadapi perusahaan, dengan 6 risiko kredit/pembiayaan, dan 9 risiko
operasional. Risiko tersebut diantaranya, 1 risiko tingkat ekstrem, 4 risiko tingkat
tinggi, 2 risiko tingkat sedang, dan 8 risiko tingkat rendah. Solusi pengendalian
risiko difokuskan kepada risiko dengan tingkat ekstrem dan tinggi melalui beberapa
upaya yang bertujuan untuk mengurangi dampak, mengurangi frekuensi kejadian,
atau mencegah kejadian. Beberapa perlakuan risiko tersebut diantaranya
menerapkan early warning system, bekerjasama dengan pihak eksternal, hingga
meningkatkan keterlibatan dan partisipasi di dunia professional. PT BPRS XYZ is an Islamic financial institution that has been established since October 14, 1997. In its business processes, PT BPRS XYZ faces various internal and external risks, such as financing failure risk, competition, and pandemics/epidemics. Risk management is crucial to be conducted as it can help the company prevent, reduce, or overcome risks that threaten the achievement of company objectives. This research aims to identify risks, assess risks, and analyze risk treatment efforts in credit/financing and operational areas that occur at PT BPRS XYZ based on ISO 31000:2018. The method used in this research is a case study supported by descriptive statistics. The research findings identified 15 types of risks faced by the company, including 6 credit/financing risks and 9 operational risks. These risks consist of 1 extreme-level risk, 4 high-level risks, 2 moderate- level risks, and 8 low-level risks. Risk control solutions are focused on risks with extreme and high levels through several efforts aimed at reducing the impact, reducing the frequency of occurrences, or preventing incidents. Some of these risk treatments include implementing an early warning system, collaborating with external parties, and increasing involvement and participation in the professional world. |
URI: | http://repository.ipb.ac.id/handle/123456789/124200 |
Appears in Collections: | UT - Business |
Files in This Item:
File | Description | Size | Format | |
---|---|---|---|---|
Assila Puspa Aulia_K14190066_Cover Lembar Pengesahan Daftar ISI.pdf Restricted Access | Cover | 903.23 kB | Adobe PDF | View/Open |
Assila Puspa Aulia_K14190066_ Full Skripsi.pdf Restricted Access | Fulltext | 1.84 MB | Adobe PDF | View/Open |
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