OPERATIONAL RISK MANAGEMENT OF AN INDEPENDENT ISLAMIC BANK
DOI:
https://doi.org/10.31958/imara.v5i1.2420Keywords:
Bank SyariahAbstract
Risk is always be an obstacle to achieving the goals of companies and financial institutions,
both of conventional and sharia. It has become a necessity for every company and financial institution
to have a good risk management system so be able to manage existing risks in order to avoid losses, but
the application of risk management carried out by Islamic banks certainly has a very high complexity
and needs to be deepen. This study uses a qualitative descriptive approach with purposive sampling of
reports on the implementation of BSM operational risk management and the efforts made to mitigate
risk in 2016-2019. Syari'ah Mandiri Bank has the aim to create sustainable company growth through the
optimization of Good Corporate Governance (GCG). Based on the Risk & Control Self Assessment (RCSA)
assessment, operational risks that occurred in BSM from 2016 to 2019 have been successfully managed well
with the average impact rating low moderate - moderate and average frequency level 2 (The possibility of
an event occurring in a 12 month period of less than 20%), this shows that achievement of the application
operational risk management that has been very well done by Syari 'ah Mandiri Bank.
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