إدارة المخاطرة في المصرف الإسلامي: دراسة الحالة في بنك الوطني الإندونيسي الشرعي بمالانج
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Institusion

Universitas Islam Negeri Maulana Malik Ibrahim Malang

Author

Faraj, Nafaa Alfaitouri

Subject

 

Datestamp

2018-03-07 10:35:58 

Abstract :
?????? ????? ???? ??????? ??? ????? ?????? ????? ??????? ?? ?????? ???????? ??? ?????? ?????????? ?????? ??????? ???? ????? ?????? ????? ????? ?? ?????? ???????? ??? ?????? ?????????? ?????? ???????? ???? ????? ?????? ??????? ?????? ??????? ???????? ?? ?????? ???????? ??????? ????? ????? ?????? ?????????? ??????? ???? ??????? ???????? ?? ?????? ???????? ???????. ????? ??? ????? ?? ?????? ?????? ?????? ?????? ??? ???????? ?? ???????? ????????? ???????? ?????? ?????? ?????????? ?????? ???????. ?????? ????? ???? ??? ?? ????? ?? ????? ??????? ?? ?????? ???????? ??? ?????? ?????????? ?????? ??????? ?? ????? ??? ????? ???? ???????? ?? ???????? ???????? ???? ?????? ????? ??? ??????? ?????????? ??? ?????? ????? ??????? ??????? ???????? ??? ?????? ?????????? ?????? ??????? ???? ??? ???? ???? ???????? ??????? ?? ????? ???????? ?? ??????? ???????? ????? ??????? ??????? ??? ???? ?????? ??? ????? ??????? ?? ?? ??? ????? ??????? ?? ???? ????? ????? ???? ????? ??? ???? ??????? ???? ????? ?? ????? ??????? ????????? ??? ??? ????? ????? ???? ????? ???? ??????? ??? ??? ????? ???????? ?? ????? ????? ???? ????? ??????? ???????? ??????? ??????? ??????? ??? ???????? ?????? (????? ???????) ?????? ?? ????? ??????? ???? ???? ??? ???? ????????? ????????? ?? ?????? ????????? ????? ?? ????? ????? ??????? ?? ??? ?????? ?????????? ?????? ??????? ????? ??? ????? ??? ??? ???? ???????? ?? ???? ??????? ?? ?????? ????? ????? ????? ???? ??? ????? ?????? ?????????? ?????? ??????? ???????? ?? ??? ????? ??? ???? ????? ????? ??????? ?? ???????? ??????? ABSTRACT This research aims to identify and describe management risk in Indonesian National Bank (BNI) Syariah, Malang branch. It also aims to know some of the sources of risk in BNI Syariah Malang. It, moreover, aims to find out the mechanism to discover the risks of banking in BNI Syariah Malang and the management strategies in avoiding the banking risk. This research employs descriptive qualitative research method. The methods of data collection are interview, observation, and documentation obtained from BNI Syariah Malang. The results of this research indicate that the purpose of risk management in BNI Syariah Malang branch is working to reduce the level of risk in the banking process conducted by the bank such as murabaha and mudhorobah. Meanwhile, the implementation of risk management in BNI Syariah Malang branch is carried out by bank employees in coordination with the central management at the central bank, so the bank carries out the plan of the central bank related to risk management as discussed by the leaders and the representatives at the branch office. They are small depictions of the risk management center. The main sources of risk in BNI Syariah Malang are the lack of management and technical capabilities. Another main cause is bank investor?s (source operations) lack of practical experience. Sources of these risks arise due to the inexistency of ethical standards that the client (investor) should have. Moreover, a mechanism to discover the risks in BNI Syariah Malang relies on the knowledge concerning the existence of irregularities in the bank?s operational systems. Indeed, such a mechanism is the detailed one used by financial and economic experts in central bank in coordination with the branch offices using the latest risk management system in financial institutions. ABSTRAK Penelitian ini bertujuan untuk mengetahui dan mendeskripsikan manajemen resiko di bank nasional Indonesia (BNI) syariah cabang Malang, dan mengetahui beberapa sumber resiko yang ada di bank nasional Indonesia (BNI) syariah cabang Malang, dan mengetahui mekanisme untuk mengetahui resiko perbankan di bank syariah tersebut dan mengetahui strategi manajemen dalam menghindari resiko perbankan di bank tersebut. Peneliti menggunakan metode penelitian deskriptif kualitatif, sedangkan metode pengumpulan data adalah interview, observasi, dokumentasi dari bank nasional Indonesia (BNI) syariah di Malang. Hasil penelitian ini menunjukkan bahwa tujuan dari manajemen resiko di bank nasional Indonesia (BNI) syariah cabang Malang adalah bekerja untuk mengurangi tingkat resiko dalam proses perbankan yang dilakukan oleh bank. Seperti murabahah dan mudhorobah. Sedangkan pelaksanaan manajemen resiko di bank nasional Indonesia (BNI) syariah cabang Malang dilakukan oleh pegawai bank melalui koordinasi dengan manajemen pusat di bank pusat, sehingga bank disini melaksanakan rencana dari bank pusat dalam hal yang berkaitan dengan manajemen resiko melalui pimpinan dan wakilnya di kantor cabang. Mereka adalah gambaran kecil dari manajemen resiko pusat. Adapun sumber resiko yang utama di bank nasional Indonesia (BNI) syariah adalah kemampuan manajemen dan teknis yang kurang serta pengalaman praktek para investor di bank (sumber operasional). Sumber resiko tersebut muncul akibat tidak ada standar etika pada nasabah (investor), Sedangkan mekanisme untuk mengetahui resiko di bank nasional Indonesia (BNI) 

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