Implementation of Risk Management in the Development of BPRS Bakti Makmur Indah
Penerapan Manajemen Risiko Dalam Perkembangan BPRS Bakti Makmur Indah
DOI:
https://doi.org/10.21070/ups.9872Keywords:
risk management, BPRS, operationalAbstract
The establishment of BPRS Bakti Makmur Indah reflects the development of interest-free Islamic banking initiated by Muslim entrepreneurs. In response to rapid changes in the financial environment, Islamic banks are required to strengthen their operational management systems, particularly in risk management. This study aims to examine the implementation of risk management at BPRS Bakti Makmur Indah in supporting its institutional development. A mixed methods approach was employed, combining quantitative and qualitative data to obtain comprehensive and objective results, using a sequential explanatory design. The findings indicate that risk management in Islamic banking involves several key aspects, including operational (human) risk, legal risk, compliance risk, and technology risk. Operational risk mainly arises from employee errors, customer behavior, and weaknesses in internal processes. These risks can be mitigated through enhanced integrity, supervision, continuous education, and effective communication within the organization.
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