Analisis Manajemen Risiko Pada Bank Syariah (Tinjauan Literatur)

Abstract

Islamic banks face challenges in risk management due to their unique risk profile. The purpose of this study is to explore the risks faced by Islamic banks. This study examines risk practices through carefully selected literature and describes the risks faced by Islamic banking. The survey results show that Islamic banks face several risks such as credit risk, liquidity risk, operational risk, legal risk, withdrawal risk, benchmark risk and fiduciary risk. Another finding is that Islamic banks are riskier than traditional banks due to the peculiarities of their funding. In addition, this is due to the immaturity of financial markets, the limited ability of central banks as lenders of last resort, and the lack of market infrastructure. From the analyzed literature, it is clear that Islamic banks have not developed effective solutions to manage the risks faced by traditional banks and themselves.