Measuring Operational Risk Exposures in Islamic Banking: A Proposed Measurement Approach

2011 ◽  
Author(s):  
Hylmun Izhar
Keyword(s):  
Operational Risk ◽  
Islamic Banking ◽  
Measurement Approach

scholarly journals Analysis of The Influence of Liquidity, Credit and Operational Risk, in Indonesian Islamic Bank’s Financing for The Period 2007-2013

2015 ◽  
Vol 17 (3) ◽  
pp. 279 ◽  
Author(s):  
Ousmane Diallo ◽  
Tettet Fitrijanti ◽  
Nanny Dewi Tanzil
Keyword(s):  
Credit Risk ◽  
Causal Relationship ◽  
Risk Sharing ◽  
Banking Sector ◽  
Panel Data Analysis ◽  
Banking System ◽  
Liquidity Risk ◽  
Operational Risk ◽  
Islamic Banking ◽  
Islamic Bank

The purpose of this paper is to analyze the influence of credit, liquidity and operational risks in six Indonesian’s islamic banking financing products namely mudharabah, musyarakah, murabahah, istishna, ijarah and qardh, in order to try to discover whether or not Indonesian islamic banking is based on the “risk-sharing” system. This paper relies on a fixed effect model test based on the panel data analysis method, focusing on the period from 2007 to 2013. The research is an exploratory and descriptive study of all the Indonesian islamic banks that were operating in 2013. The results of this study show that the Islamic banking system in Indonesia truly has banking products based on “risk-sharing.” We found out that credit, operational and liquidity risks as a whole, have significant influence on mudarabah, musyarakah, murabahah, istishna, ijarah and qardh based financing. There is a correlation between the credit risk and mudarabah based financing, and no causal relationship between the credit risk and musharaka, murabahah, ijarah, istishna and qardh based financing. There is also correlation between the operational risk and mudarabah and murabahah based financing, and no causal relationship between the operational risk and musharaka, istishna, ijarah and qardh based financing. There is correlation between the liquidity risk and istishna based financing, and no causal relationship between the liquidity risk and musharaka, mudarabah, murabahah, ijarah and qardh based financing. A major implication of this study is the fact that there is no causal relationship between the credit risk and musharakah based financing, which is the mode of financing where the islamic bank shares the risk with its clients, but there is an influence of credit risk toward mudarabah mode financing, a financing mode where the Islamic bank bears all the risk. These findings can lead us to conclude that the Indonesian Islamic banking sector is based on the “risk sharing” system.

scholarly journals Analysis Of Banking Service Financial Technology (Fintech) Risk Management in Islamic Banks (Case Study at Bank Syariah X in Jakarta)

2019 ◽  
Author(s):  
Diana Hasan ◽  
Sunarti .
Keyword(s):  
Risk Management ◽  
Group Discussion ◽  
Operational Risk ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Banking Services ◽  
Banking Service ◽  
Reputation Risk ◽  
And Performance ◽  
Financial Technology

ThisresearchwasconductedatBankSyariahX.PrimarydataobtainedfromInterviews and Focus Group Discussion (FGD), was conducted by inviting several speakers to obtain information and discuss to obtain an explanation of how Financial Technology risk management in Banking services in Islamic Banks. Furthermore, the results of the Risk Management Analysis of Murabahah Financing at Syariah X Bank were found to be the factors that caused the occurrence of financing risks including HR (Human Resources) risk and operational risk. First, Liquidity Risk. Second, operational risk. Third, Legal Risk and Fourth, Reputation Risk. The findings indicate what factors occur and result in Risk in Financial Technology in Banking services and how to evaluate risk management in Syariah X Bank. Bank Syariah X implements several methods of Risk Management based on Bank Indonesia Regulation No. 13/23 / PBI / 2011 concerning the application of Risk Management. With such results, the author recommends that there is a need to prepare regulations relating to FinTech for more modern and safe Islamic banking services so that risks can be minimized and customers increase their understanding and knowledge for the convenience and security of transactions in Islamic banking. Furthermore, more rigorous and good steps need to be taken to manage risk-related problems in an effort to maintain the performance and performance of Islamic banks in maintaining their professionalism and improving their quality to be superior to other banks.

ANALISIS PROFITABILITAS TERHADAP BEBAN RISIKO OPERASIONAL PERBANKAN SYARIAH DI PANDEMI COVID-19

2021 ◽  
Vol 10 (2) ◽  
pp. 118-131
Author(s):  
Muhlis ◽  
Izzatun Maghfirah ◽  
Dewi Puspita Sari
Keyword(s):  
Regression Analysis ◽  
Financial Services ◽  
Commercial Banks ◽  
Secondary Data ◽  
Operational Risk ◽  
Islamic Banking ◽  
Economic Sector ◽  
Business Units ◽  
Banking Institutions ◽  
Independent Variable

The Covid-19 pandemic that happened in Indonesia certainly affected many aspects of life, including the economic sector. Furthermore, in Islamic banking institutions, this institution serves as an intermediary between the collection and distribution of funds to customers. So that the pandemic can affect this sector in financial performance, especially in the profitability of institutions. In this study, profitability uses the ROA ratio in both Islamic Commercial Banks and Sharia Business Units, as well as operational risk burden as an independent variable. The data used in this study is secondary data from the official website of the Financial Services Authority which was analyzed using multiple regression analysis, classical assumption test, and determinant coefficients in SPSS. The results showed that the ROA BUS and UUS variables did not have a significant effect on the operational risk burden, while the determinant coefficient showed 44.9%.

scholarly journals Should the advanced measurement approach be replaced with the standardized measurement approach for operational risk?

2016 ◽  
Vol 11 (3) ◽  
pp. 1-49 ◽  
Author(s):  
Gareth Peters ◽  
Pavel Shevchenko ◽  
Bertrand Hassani ◽  
Ariane Chapelle
Keyword(s):  
Operational Risk ◽  
Standardized Measurement ◽  
Measurement Approach
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