Implementation of Risk Management in Bank Syariah Mandiri Griya Financing Products
Implementasi Manajemen Risiko Pada Produk Pembiayaan Bank Syariah Mandiri Griya
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(1) Zumrotun Nazia Maulana Malik Ibrahim Islamic University Malang
Indonesia
(2) * Nanang A. Daud
Maulana Malik Ibrahim Islamic University Malang
Indonesia
(*) Corresponding Author
Abstract
This study aims to determine the implementation of risk management in the financing products of the Mandiri Griya Islamic Bank. This research uses a descriptive qualitative method with a field study approach, as well as in-depth interviews with informants. The results of this study indicate that the implementation of risk management on BSM Griya financing products at BSM KCP Malang Turen has been in
accordance with the guidelines and provisions imposed by the BSM head office. As for what has been done by BSM KCP Malang in managing risk on BSM Griya products, among
others, first starting with identifying risks, risk assessment and also risk control, then each implementation is reported to the head office. BSM KCP Malang Turen also conducts an online system in an effort to minimize the risk of financing and bank
operations. Meanwhile, the problem of human resources is an obstacle in the implementation of BSM Griya financing. The steps for handling non-performing financing for the BSM Griya product are carried out by first identifying the customer's journey, and in terms of collectibility for further action by the bank.
References
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Skripsi or Tesis:
Rizka, Mahmal, Upaya meminimalisir risiko pembiyaan produktif untuk UKM oleh Bank
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Journal Homepage: http://ojs.umsida.ac.id/index.php/perisai
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Dokumen Legal:
Peraturan Otoritas jasa keuangan No. 65/POJK.03/2016 Tentang Penerapan Manajemen
Risiko Bagi Bank Umum Syariah dan Unit Usaha Syariah.
Wawancara:
Fahmi, Rahman F. consumer banking relationship manager. Bank Syariah Kantor Cabang
Pembantu Malang Turen: 13 februari 2018.
Muhammad, Luqman Micro Analicis BSM KCP Malang Turen: 14 februari 2018.
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https://keuangan.kontan.co.id/news/bank-syariah-mengandalkan-pembiayaan-konsumsi
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Suwiknyo, Dwi. 2009. Kamus Lengkap Ekonomi Islam,Yogyakarta: Total Media.
Statistik Perbankan syariah, Jakarta : Otoritas Jasa Keuangan, 2015.
Brosur Produk BSM Griya
Copyright (c) 2022 Zumrotun Nazia, Nanang A. Daud
This work is licensed under a Creative Commons Attribution 4.0 International License.
