Analisis Manajemen Risiko Bank Syariah dalam Mendukung Stabilitas Sistem Keuangan: Studi Komperatif dengan Bank Konvensional
DOI:
https://doi.org/10.61722/jaem.v3i3.12095Keywords:
Risk Management, Islamic Bank, Conventional Bank, Financial System Stability, Dual Banking SystemAbstract
This study examines the application of risk management in Islamic banks and its contribution to supporting financial system stability through a comparative analysis with conventional banks. Amid global economic volatility, the effectiveness of risk management is a crucial pillar to maintain the resilience of the banking sector and prevent systemic crises. This study analyzes the unique risk characteristics of Islamic banks arising from profit-sharing contracts (risk sharing), while also comparing their performance indicators with the conventional banking system. The research employs a comparative descriptive approach based on secondary data from the Financial Services Authority (OJK) for the period 2021–2024. The analysis results indicate that although conventional banks report higher profitability, the interest-based system makes them more vulnerable to market fluctuations. Conversely, risk management in Islamic banks has proven to be more cautious (prudent), as reflected in safe liquidity ratios and solid capital buffers. The principle of asset-backed financing and the profit-and-loss sharing mechanism in Islamic banks effectively function as automatic liquidity stabilizers that mitigate the formation of economic bubbles. This study concludes that Sharia-based risk management possesses systemic advantages that are safer and more resilient to support long-term financial stability, while conventional banks serve as a contrasting benchmark that underscores the superiority of this model.
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