Strategi Manajemen Risiko Pembiayaan Perbankan Syariah dalam Menghadapi Bencana Alam: Studi Literatur
DOI:
https://doi.org/10.29040/jiei.v12i2.19617Keywords:
Risk Management, Islamic Banking, Natural Disasters, FinancingAbstract
Natural disasters represent external risks that can affect the stability of Islamic banking, particularly in the financing sector. These impacts may increase problematic financing due to the disruption of customers’ economic conditions. This study aims to analyze risk management in Islamic banking in dealing with external risks caused by natural disasters and to examine mitigation strategies based on literature review. This study employs a library research method with a descriptive qualitative approach. The data used are secondary data obtained from academic journals, books, regulations issued by the Financial Services Authority (OJK), and fatwas of the National Sharia Council (DSN-MUI). The results show that financing risk management is conducted through stages of identification, measurement, monitoring, and control. Mitigation strategies include financing restructuring, rescheduling of payments, and feasibility analysis using the 5C approach. In addition, OJK regulations and DSN-MUI fatwas serve as the foundation to ensure compliance with Sharia principles. The conclusion, risk management in Islamic banking in dealing with natural disasters requires a systematic, adaptive, and integrated approach to maintain stability and sustainability.
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Copyright (c) 2026 Siti Fazriah, Setya Indrawanto, Yudi Riyanto
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This work is licensed under a Creative Commons Attribution 4.0 International License.
