| dc.contributor |
Fakultas Syariah |
|
| dc.contributor |
Unisba |
|
| dc.creator |
Halimah, Nur |
|
| dc.creator |
Nurhasanah, Neneng |
|
| dc.creator |
Srisusilawati, Popon |
|
| dc.date |
2018-07-29 |
|
| dc.date.accessioned |
2019-01-22T06:31:50Z |
|
| dc.date.available |
2019-01-22T06:31:50Z |
|
| dc.identifier |
http://karyailmiah.unisba.ac.id/index.php/hukum_ekonomi_syariah/article/view/10847 |
|
| dc.identifier.uri |
http://karyailmiah.unisba.ac.id/index.php/hukum_ekonomi_syariah/article/view/10847 |
|
| dc.description |
Abstract. Risks that occur in gold mortgage financing include liquidity risk that is when the bank can not meet its short-term obligations due to funds settled in the customer, and operational risks of system errors or human error in the process of the gold appraiser. So the problems in this study are: What is the principal of Sharia bank risk management arrangement according to OJK Rule? How is the implementation of liquidity risk management and operational risk of gold mortgage financing at Bank Syariah KCP Antapani? How to analyze liquidity risk and operational risk in gold mortgage financing in Syariah KCP Antapani Bank? The research method used is qualitative research type using a descriptive approach. Data were obtained by interview method, observation, and documentation. Data analysis is done by collecting data that support the research, then the data will be analyzed according to the purpose of this research. The results of the study show that OJK Regulation contains identification, measurement, monitoring, and risk control. Implementation of liquidity risk management and operational risk by Bank Syariah KCP Antapani is in accordance with the rule of prevention so that risk can be minimized effectively. The results of the analysis show that liquidity risk occurs due to the newest OJK rules, the customer can extend the term of his mortgage with unlimited time. While the risk of liquidity occurs due to human error factors that occur when the process of gold karate estimates.Keywords: Gold Pawn, Liquidity Risk, Operational RiskAbstrak. Risiko yang terjadi dalam pembiayaan gadai emas diantaranya Risiko likuiditas yaitu saat bank tidak dapat memenuhi kewajiban jangka pendeknya dikarenakan dana yang mengendap di nasabah, dan risiko operasional yaitu kesalahan sistem atau kesalahan manusia dalam proses taksir emas. Maka permasalahan dalam penelitian ini yaitu: Bagaimana pokok pengaturan manajemen risiko bank syariah menurut Peraturan OJK? Bagaimana penerapan manajemen risiko likuiditas dan risiko operasional pembiayaan gadai emas di Bank Syariah KCP Antapani? Bagaimana analisis risiko likuiditas dan risiko operasional dalam pembiayaan gadai emas di Bank Syariah KCP Antapani? Metode penelitian yang digunakan yaitu jenis penelitian kualitatif dengan menggunakan pendekatan deskriptif. Data diperoleh dengan metode wawancara, observasi, dan dokumentasi. Analisa data yang dilakukan yaitu dengan cara mengumpulkan data-data yang mendukung penelitian, kemudian data-data tersebut akan dianalisis sesuai tujuan penelitian ini. Hasil penelitian menunjukan bahwa Peraturan OJK berisi mengenai identifikasi, pengukuran, pemantauan, dan pengendalian risiko. Penerapan manajemen risiko likuiditas dan risiko operasional yang dilakukan Bank Syariah KCP Antapani sudah sesuai dengan aturan yaitu dilakukannya pencegahan agar risiko itu dapat diminimalisir secara efektif. Hasil analisis menunjukkan bahwa risiko likuiditas terjadi akibat aturan OJK terbaru yaitu nasabah dapat memperpanjang masa gadainya dengan waktu yang tidak dibatasi. Sedangkan risiko likuiditas terjadi akibat faktor human error yang terjadi saat proses taksir karatase emas.Kata Kunci: Gadai Emas, Risiko Likuiditas, Risiko Operasional |
|
| dc.description |
Abstract. Risks that occur in gold mortgage financing include liquidity risk that is when the bank can not meet its short-term obligations due to funds settled in the customer, and operational risks of system errors or human error in the process of the gold appraiser. So the problems in this study are: What is the principal of Sharia bank risk management arrangement according to OJK Rule? How is the implementation of liquidity risk management and operational risk of gold mortgage financing at Bank Syariah KCP Antapani? How to analyze liquidity risk and operational risk in gold mortgage financing in Syariah KCP Antapani Bank? The research method used is qualitative research type using a descriptive approach. Data were obtained by interview method, observation, and documentation. Data analysis is done by collecting data that support the research, then the data will be analyzed according to the purpose of this research. The results of the study show that OJK Regulation contains identification, measurement, monitoring, and risk control. Implementation of liquidity risk management and operational risk by Bank Syariah KCP Antapani is in accordance with the rule of prevention so that risk can be minimized effectively. The results of the analysis show that liquidity risk occurs due to the newest OJK rules, the customer can extend the term of his mortgage with unlimited time. While the risk of liquidity occurs due to human error factors that occur when the process of gold karate estimates. |
|
| dc.format |
application/pdf |
|
| dc.language |
eng |
|
| dc.publisher |
Prosiding Hukum Ekonomi Syariah |
|
| dc.publisher |
Prosiding Keuangan & Perbankan Syariah |
|
| dc.relation |
http://karyailmiah.unisba.ac.id/index.php/hukum_ekonomi_syariah/article/view/10847/pdf |
|
| dc.relation |
http://karyailmiah.unisba.ac.id/index.php/hukum_ekonomi_syariah/article/downloadSuppFile/10847/2204 |
|
| dc.rights |
Copyright (c) 2018 Prosiding Hukum Ekonomi Syariah |
|
| dc.source |
Prosiding Hukum Ekonomi Syariah; Vol 4, No 2, Prosiding Hukum Ekonomi Syariah (Agustus, 2018); 910-915 |
|
| dc.source |
Prosiding Keuangan & Perbankan Syariah; Vol 4, No 2, Prosiding Hukum Ekonomi Syariah (Agustus, 2018); 910-915 |
|
| dc.source |
2460-2159 |
|
| dc.subject |
Hukum Ekonomi Syariah |
|
| dc.subject |
Gadai Emas, Risiko Likuiditas, Risiko Operasional |
|
| dc.subject |
Hukum Ekonomi Syariah |
|
| dc.subject |
Gold Pawn, Liquidity Risk, Operational Risk |
|
| dc.title |
Analisis Risiko Likuiditas dan Risiko Operasional pada Pembiayaan Gadai Emas (Studi Kasus Bank Syariah Mandiri KCP Antapani Bandung) |
|
| dc.title |
Analisis Risiko Likuiditas dan Risiko Operasional Pada Pembiayaan Gadai Emas (Studi Kasus Bank Syariah Mandiri KCP Antapani Bandung) |
|
| dc.type |
info:eu-repo/semantics/article |
|
| dc.type |
info:eu-repo/semantics/publishedVersion |
|
| dc.type |
Peer-reviewed Article |
|
| dc.type |
Kualitatif |
|
| dc.type |
The research method used is qualitative research type using a descriptive approach. Data were obtained by interview method, observation, and documentation. |
|