Pengelolaan Risiko Pembiayaan Di Bank Syariah

Abstract

For Syariah banks, financing is the largest proceeds on one hand, yet—on the other hand—it poses the biggest risk due to its non-performing loans since they prone to not only decrease the banks' total income but also put the banks' CAR (capital adequacy ratio) at risk, which might eventually jeopardize the customers. With respect to this, it is essential that risk management be present in Syariah banks in order to identify, measure, monitor, and control risk level tolerable in their business activities. Embracing this risk management will mitigate risks by putting compatibility to Syariah principles into consideration