Analisis Penerapan Manajemen Risiko Pembiayaan Pada Lembaga Pembiayaan Syariah

Sofyan, A. Syathir

doi:10.24239/blc.v11i2.310

Cited by 7 publications

(7 citation statements)

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“…Since lending and borrowing are considered social contracts in Islam rather than commercial contracts, the term "financing" is closely associated with Islamic financial institutions. Conversely, the term "loan" (credit) is not appropriate (Sofyan, 2017).…”

Section: Legal Argumentation Regulatory Framework For Sharia Banking ...mentioning

confidence: 99%

The Legal Argumentation Regulatory Framework for Management of Sharia Funding and Risk Loans in Indonesia

Tarantang,

Astiti

2023

JIS

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This study discusses legal arguments related to Indonesia's regulatory framework for managing Sharia funding and loan risk. This study uses a legal analysis approach concerning the principles of the state constitution, Islamic banking laws, the fatwa of the Indonesian Ulema Council (MUI), and regulations from the Financial Services Authority (OJK). This arrangement aims to protect consumer interests, ensure compliance with Sharia principles, and maintain the sustainability of the Sharia financial industry in Indonesia. This study uses qualitative research with data search methods, namely through library research sources and literature studies through library research in scientific journals, books, papers, and articles directly related to the research problem under study. It has the purpose of doing a description of the problem under study. In conclusion, this regulatory framework is essential to protect consumer interests, ensure compliance with Sharia principles, and maintain sustainability in Indonesia's Islamic finance industry. These regulations are based on solid legal principles, such as the country's constitution, laws, MUI fatwas, and OJK regulations. This research contributes to understanding the legal arguments regarding Indonesia's regulatory framework for managing Sharia funding and loan risk. It can be a reference for further research and development in this field..

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Section: Legal Argumentation Regulatory Framework For Sharia Banking ...mentioning

confidence: 99%

The Legal Argumentation Regulatory Framework for Management of Sharia Funding and Risk Loans in Indonesia

Tarantang,

Astiti

2023

JIS

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“…Loss given default (LGD) is calculated as the difference between 1 and recovery rate (RR). RR represents the percentage of defaulted loan amount successfully recovered or repaid by the insured, out of the total defaulted loan amount [6], [10]. Thus, LGD represents the proportion of the borrower's outstanding debt that the insurance company, as the insurer, is obliged to bear upon default, considering the percentage of credit recovery.…”

Section: Calculation Of Premiums Using Eclmentioning

confidence: 99%

Application of Expected Credit Loss Model and Markov Chain to Calculate Net Single Premium of Unsecured Credit Insurance

Lieus,

Tedja,

Joewita

et al. 2023

BAREKENG: J. Math. & App.

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Transferring credit risk to an insurance company is a way to mitigate risk. Premiums should be calculated accurately to attain economic value for both the lender and the guarantor. The aim of this study was to determine the net single premium (NSP) values for an unsecured credit insurance product using the expected credit loss (ECL) method from IFRS 9. This study used data generated through simulation of insurance policies issued in 2015 or 2016. Their state classifications were monthly observed from 2016 to 2020. The probability of disbursed claim (PDC) parameter replaced the probability of default parameter on the ECL model, whereas the PDC model was constructed based on the components of a state-transition probability matrix, obtained with the Markov chain approach using the cohort method: = 0.999181, = 0.000130, and = 0.000689. The PDC model validation showed relatively decent results, whereas MSE = 2.457% and zs = 0.608 with a = 5%. These results indicated that the PDC model was a good fit to calculate ECL. 5,000 iterations were done as part of the cash flow simulation process, whereas debtors’ loan amounts were randomly generated during each iteration, and the average NPV of these iterations was -Rp564.419.305. Based on model sensitivity analysis, cash flow values were most sensitive to the variable used to construct the PDC model (). Thus, the 5,000-iteration process was repeated with the newly adjusted PDC value, which were = 0.998924 and = 0.000946. The new average NPV of these iterations was Rp409,877,840, indicating that the constructed ECL model was a good fit to calculate NSP values for unsecured credit insurance products.

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“…Pada lembaga keuangan syariah khususnya Bank syariah adalah suatu lembaga yang diharuskan untuk memiliki manajemen risiko yang baik khususnya pada produk pembiayaan yang menggunakan akad musyarakah dikarenakan pada sektor ini rentan terjadi risiko-risiko yang kemudian dapat berdampak buruk terhadap bank syariah itu sendiri, oleh karena itu Bank syariah harus dapat mengantisipasi hingga mengendalikan risiko-risiko yang telah atau bahkan berpotensi terjadi (Anita et al, 2022). Risiko-risiko yang umumnya terjadi pada produk pembiayaan musyarakah bermacam-macam, mulai dari risiko gagal bayar, hingga ketidakjujuran nasabah dalam melaporkan hasil keuntungan usahanya (Sofyan, 2017). Begitu juga yang terjadi pada Bank Syariah Indonesia KCP.…”

Section: Manajemen Risiko Pembiayaan Musyarakah Pada Bank Syariah Ind...unclassified

Musyarakah Financing Risk Management at Bank Syariah Indonesia

Katman¹,

Arajab²,

Parakkasi³

2022

lamaisyir

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Penelitian ini membahas tentang manajemen risiko pembiayaan akad musyarakah pada Bank Syariah Indonesia. Tujuan dari penelitian ini adalah untuk mengetahui bagaimana penerapan manajemen risiko pembiayaan musyarakah yang dilakukan oleh BSI. Pendekatan penelitian yang digunakan adalah pendekatan kualitatif, dengan metode deskriptif kualitatif. Sumber data yang digunakan dalam penelitian ini adalah data primer yang diperoleh dari lapangan melalui proses pengumpulan data dengan metode observasi, wawancara serta dokumentasi dan data sekunder berupa literatur seperti buku, jurnal ilmiah maupun penelitian terdahulu untuk dijadikan sebagai bahan referensi dan juga pertimbangan pada penyusunan penelitian ini. Teknik analisis data yang digunakan ialah metode pengumpulan data, reduksi data, penyajian data serta uji keabsahan data. Hasil dari penelitian ini menunjukkan bahwa Bank Syariah Indonesia telah menerapkan proses manajemen risiko mulai dari mengidentifikasi risiko dan melakukan tindak pencegahan sedini mungkin seperti pengajuan persyaratan dokumen, pemeriksaan laporan keuangan dan latar belakang nasabah untuk mencegah risiko tersebut terjadi dikemudian hari, melakukan pengawasan dalam mekanisme pelaporan kegiatan usaha nasabah yang dilakukan tiap bulannya serta proses restrukturisasi terhadap pembiayaan nasabah yang mengalami masalah, hingga mekanisme tahap akhir penyelesaian pembiayaan yang harus jelas dan komunikatif untuk menghindari kesalahan informasi yang mungkin dapat terjadi.

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Analisis Penerapan Manajemen Risiko Pembiayaan Pada Lembaga Pembiayaan Syariah

Cited by 7 publications

References 0 publications

The Legal Argumentation Regulatory Framework for Management of Sharia Funding and Risk Loans in Indonesia

The Legal Argumentation Regulatory Framework for Management of Sharia Funding and Risk Loans in Indonesia

Application of Expected Credit Loss Model and Markov Chain to Calculate Net Single Premium of Unsecured Credit Insurance

Musyarakah Financing Risk Management at Bank Syariah Indonesia

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