Manajemen risiko financing method barakah dengan pendekatan erm (studi kasus kspps bmt wihdatul ummah kota bogor)

Sukriya, Aminata (2018) Manajemen risiko financing method barakah dengan pendekatan erm (studi kasus kspps bmt wihdatul ummah kota bogor). Masters thesis, Institut Pertanian Bogor.

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Abstract

The financial institution is an institution that in any business activities contain various risks. The risks experienced by an institution of the financial business may have a huge impact not only on the institution but also been transmitted to the other financial institutions. It because each financial institution has been linkaged with the other financial institutions especially a bank. Therefore, the good risk management is absolutely need to avoid the occurrence of systemic risks that may occur. The blue print of the risk management implementation in banking has long been known, while Otoritas Jasa Keuangan (Financial Services Authority) recently has issued the rules for nonbank financial institutions on the regulation No. 10/Pojk.05/2014 about the assessment of the level of non-bank financial institution risk and on the then regulation financial services authority No 1/Pojk.05/2015 about the application of risk management for non-bank financial service institutions (SE OJK about the risk management of Non-bank financial institution services 2014). Nonbank financial institutions have an important function that supports the economic growth of the poor, especially not served by banking services. The purpose of this study is to identify, measure, map, and determine the application of the risk mitigation the effective financing method BARAKAH for KSPPS BMT Wihdatul Ummah. This study uses a descriptive research approach with quantitative and qualitative methods to describe a specific condition by looking at and knowing the obstacles and how to overcome the obstacles these obstacles. The research was conducted in the scope of KSPPS BMT Wihdatul Ummah in Bogor City. This study uses primary data and secondary data. Primary data obtained with the results of the survey of questionnaires and in-depth interview to the elements of leaders and the account officers which handle the BARAKAH financing. Secondary Data comes from internal sources of KSPPS BMT Wihdatul Ummah and various reference literature such as theses, dissertations, books, scientific journals, legislation, internet, publications, articles and documents related to this research. Data collection method conducted with survey and using likert scale. The sampling technique conducted with purposive sampling based on consideration of the criteria totally 3 respondents who is the chairman of the board management and 2 account officers who handle the BARAKAH financing. Processing techniques and data analyses are to perform the identification of risk events on the BARAKAH financing process, then measure and map the risk events, and then manage and respond to risks and ultimately determine the strategy of risk mitigation. Based on the results of the study, found 73 event risk on the financing of the BARAKAH. Ie 6 risk strategy, 43 operational risk, 11 risk of assets and liabilities, and 11 credit/ financing risk. The level of risk found those are 9 low risk, 38 moderate risk and 24 high risk. It is not found the risk at the level of extreme. The implementation of risk mitigation are approaching to the prospective families debtor as a guarantor of installments, collaborating with the islamic banking to ease access of payment installments, make a cooperation agreement with the coordinator of the plant, making a special credit scoring for SMSFI.

Item Type: Thesis (Masters)
Uncontrolled Keywords: BMT, enterprise risk management, mitigasi risiko, peta risiko, BMT, enterprise risk management, risk mitigate, risk map.
Subjects: Manajemen Keuangan
Depositing User: SB-IPB Library
Date Deposited: 08 Mar 2019 03:13
Last Modified: 08 Mar 2019 03:13
URI: http://repository.sb.ipb.ac.id/id/eprint/3323

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