MANAJEMEN LIKUIDITAS PADA BANK SYARIAH

Abstract

Liquidity is generally defined as having adequate sources of funds to meet all the needs of maturing obligations. Or in other words, the company's ability to meet obligations when billed, both predictably and unexpectedly. Liquidity management of Islamic banks is defined as a program to control liquid assets that are easy to fulfill in order to meet all bank obligations that must be paid immediately. One of the functions of liquidity management is to provide confidence to depositors that depositors can withdraw their funds at any time or at maturity the funds can be withdrawn. Therefore, banks are required to maintain a number of liquid funds so that banks can fulfill their obligations. Liquidity in financial institutions is the ability of banking financial institutions to disburse funds in the short term. Broadly speaking, liquidity management consists of two parts: estimating the need for funds originating from deposit inflows and for channeling funds (fund outflows) and various financial commitments. Broadly speaking, the condition of

 bank liquidity is influenced by external and internal factors. External factors are factors that cannot be controlled, while internal factors in general are those that can be controlled by the bank. External factors include economic and monetary conditions. Depositor characteristics, money market conditions, regulations and others. Meanwhile, internal factors are highly dependent on the management of each bank's liquidity instruments. An example is the selection of a strategy for implementing asset-liabilities management.

Keywords: Islamic Banking, Liquidity, Management.