Risk Management Practices in Islamic Banking Institutions:  a Comparative Study Between Malaysia and Indonesia

Rahman, Rashidah Abdul; Ibrahim, Zuraeda; Tohirin, Achmad; Dahiru.Muhammad, Rossje Vitariamettawaty Suryaputri Aliyu

doi:10.21506/j.ponte.2016.12.17

Cited by 5 publications

(10 citation statements)

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“…Banyak penelitian (misalnya, Rahman et al, 2014Rahman et al, & 2016Khattak et al, 2013;Khalid & Amjad, 2012;Hassan, 2009;Hussain & Al-Ajmi, 2012;Mohamed, 2018;Ariffin & Kassim, 2014;Rosman & Rahman, 2013;Ahmad et al, 2013) telah dibahas pada praktek manajemen resiko pada bank syariah. Namun, sebagian besar studi sebelumnya hanya terkonsentrasi di negara-negara tertentu (misalnya : Malaysia, Pakistan, lintas negara) dan studi gagal untuk mengenali berbagai pendekatan dalam manajemen resiko digunakan oleh bank syariah untuk resiko unik.…”

Section: Pendahuluanunclassified

Teori Manajemen Resiko Bank Syariah

Agustin

Armis

Hasan

2022

(Islamic Banking and Finance)

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Tujuan penelitian ini adalah membuat kembali konsep teori manajemen resiko bank syariah yang sesuai dengan Al-Quran dan Hadis. Penelitian ini pelu dilakukan mengingat bahwa manajemen resiko memberikan gambaran kepada pengelola bank sebagai potensi kerugian dimasa mendatang, serta memberikan informasi untuk membuat keputusan yang tepat sehingga dapat membantu pengelolaan bank untuk meningkatkan daya saing. Jenis data yang digunakan adalah data kualitatif dan sumber data yang digunakan dalam penelitian ini adalah data sekunder. Teknik analisis data dalam penelitian ini adalah analisis deskriptif. Hasil penelitian menunjukkan bahwa konsep teori manajemen resiko bank syariah yang dilakukan oleh bank syariah berdasarkan syariah Islam dapat dilakukan dengan benar apabila mempunyai fondasi berupa akidah yang benar dan mentalitas pegawai bank seperti sifat Rasulullah Shallallahu’alaihi Wasallam yang terdiri dari Shidiq, Fathonah, Amanah dan Tabligh. Selanjutnya untuk mencapai pengendalian manajemen resiko bank syariah yang baik maka diperlukan motode yang terdiri dari pengendalian internal pemantauan resiko, pengukuran resiko dan kebijakan manajemen.

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Section: Pendahuluanunclassified

Teori Manajemen Resiko Bank Syariah

Agustin

Armis

Hasan

2022

(Islamic Banking and Finance)

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“…How-ever, as far as Islamic banks are concerned, the concept of risk management needs to be explored (Rehman, Ibrahim, Tohiri.,Suryaputri, & Vitariamettawatym, 2016) as the vast literature is available on Non-Islamic banks (Ratnovski, 2013;Lee, 2015;Cebenoyan & Strahan, 2004). The risk management studies with respect to Islamic banking have been carried out in Gulf countries (Ali & Naysary, 2014;Abu Hussain & Al-Ajmi, 2012;Abdullah, Shahimi, & Ismail,.2011;Hassan, 2011), some other countries (Rahman, Ibrahim, Tohirin, & Suryaputri, 2016;Muhammad, 2016;Hafez, 2015) and minimal studies in Pakistan (Khalid & Amjad, 2012;Ahmad et al, 2013). Considering Pakistan's context, the investigation of pure Islamic banking risks, precisely rate of return risk and equity investment risk, is still unexplored (Farhan, 2019).…”

Section: Equity Investment Risk (Eir)mentioning

confidence: 99%

Managing Equity Investment Risk and Rate of Return Risk in Islamic Banking: A System Thinking Approach

Farhan¹,

Alam²,

Jabeen³

2021

BER

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This study aims to examine and explore the risk management practices with respect to Rate of Return Risk (RORR) and Equity Investment Risk (EIR) in the Islamic Banking Institutions (IBIs) of Pakistan through a systematic model which is called System Dynamic Model (SDM) by using system thinking methodology. This study has been conducted in three sequential phases to develop the qualitative System Dynamic Model for Rate of Return Risk Management and Equity Investment Risk Management. Firstly, the researchers developed preliminary Causal Loop Diagrams (CLD) based on the initial understanding achieved from the causal interconnections between various RORR and EIR characters through extensive literature review. Secondly, the researchers conducted semi-structured interviews with the experts to ratify, endorse and refine the initial CLD. Lastly, the data collected through interviews was analyzed to develop the final refined qualitative SDM. The study's findings indicate that the identification and measurement of the RORR and EIR in IBIs in Pakistan need to be strengthened by developing appropriate methodology. Moreover, the practices adopted by these financial institutions to mitigate and control the exposures of RORR and EIR are good and effective. This Qualitative SDM provides practical, constructive and productive understanding to the managers, policy-makers, regulators, shareholders and scholars regarding the RORR and EIR management mechanism of IBIs of Pakistan.

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“…Risk management (RM) is considered an important element that can appropriately identify the potential risks for any business entity (Moeller, 2007). Abdul Rahman et al (2016) argued that risk management is considered a core element of Islamic banks strategy and enables the banks to improve their operational efficiency and boost their earnings. However, Wahyudi et al (2015) stated that Islamic banks have unique risks from real assets contracts, equity participation contracts, and complicated sales contracts.…”

Section: Introductionmentioning

confidence: 99%

“…lizing profit-loss sharing instead of interest-bearing transactions which are prohibited in Islamic laws. However, onlyAkther (2015) and AbdulRahman et al (2016) found that Islamic banks with efficient risk management attain more profit.George et al (2019), Jayawarna (2019), and Sandvik et al (2014) discussed the relationship between strategic planning and firm performance. In addition, Raviv et al (2009) and Otieno et al (2018) highlighted the direct impact of strategic planning on profitability.…”

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confidence: 99%

The mediating effect of risk management for Palestinian Islamic banks’ strategic planning and profitability performance

Abusharbeh

2021

Problems and Perspectives in Management

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This paper examined the mediating effect of risk management for strategic planning and profitability of Islamic banks in Palestine. The questionnaires were distributed randomly among 97 directors who have experience in strategic and risk management. A structural equation model was employed to test the research hypotheses. The result revealed that strategic planning and risk management have a significant positive effect on profitability, while strategic planning has a significant positive effect on risk management. In addition, risk management was evidenced to partially mediate the linkage between strategic planning and profitability. The current study yielded support for the claim that risk management played a significant mediating role in the relationship between strategic planning and profitability. Bank directors having good strategic planning and effective risk control tend to get a higher level of profitability. Therefore, Islamic banks should construct a proper strategy in line with their risk management practices and provide a robust risk assessment to protect their financial resources. Ultimately, they can attain superior profitability.

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Risk Management Practices in Islamic Banking Institutions: a Comparative Study Between Malaysia and Indonesia

Cited by 5 publications

References 0 publications

Teori Manajemen Resiko Bank Syariah

Teori Manajemen Resiko Bank Syariah

Managing Equity Investment Risk and Rate of Return Risk in Islamic Banking: A System Thinking Approach

The mediating effect of risk management for Palestinian Islamic banks’ strategic planning and profitability performance

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