Cross-Border Journal of Business Management
Vol. 1 No. 1 (2021): Cross-Border Journal of Business Management

Microfinance Risk Management at Bank Kalbar Syariah, Sambas Branch

Ahmad Yasir (Institut Agama Islam Sultan Muhammad Syafiuddin Sambas)



Article Info

Publish Date
12 Mar 2021

Abstract

This research was conducted to see whether the implementation of risk management at Bank Kalbar Syariah Sambas Branch is in accordance with the regulations with PBI No. 23/13 / PBI / 2011, because they still experience problematic financing for customers who are unable to fulfill their obligations to the bank in a timely manner. The approach and type in this research is a qualitative approach with descriptive character. This type of research is field research (field research). Researchers analyzed how the application of micro financing risk management, types of risks faced by microfinance and inhibiting and supporting factors in resolving micro-financing risks at Bank Kalbar Syariah, Sambas Branch in minimizing risk. The results showed that, the bank has implemented financing risk management in accordance with PBI No. 23/13 / PBI / 2011, the bank implements two risk management processes, namely before risk and after risk. Where the types of risk often faced by the Sambas Branch of the Kalbar Syariah bank are credit risk, market risk, and operational risk. In the settlement of micro-financing risks at Bank Kalbar Syariah, Sambas Branch is to cooperate with the insurer and insure collateral or guarantees from customers to the insurance company

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Journal Info

Abbrev

cbjbm

Publisher

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Cross-Border Journal of Business Management Focuses in any related disciplines of research on Business Management science. The scopes are Human Resource Management, Marketing Management, Financial Management, Production/Operational Management, Strategic Management, Islamic Business Management, Halal ...