OPERATIONAL RISK ANALYSIS OF INDONESIAN SHARIA BANK OLD MOUNTAIN KCP
Abstract
Operational risk is one of the risks that must be faced by every financial institution, including Bank Syariah Indonesia (BSI) KCP Gunung Tua. Operational risk is faced by all banks because running a bank's business cannot be separated from the human factor, service procedures, administrative processes, and so on. With the emergence of operational risk, there must be causes. The operational risk can cause the bank to lose money which is caused by several factors, namely first, failure in internal processes related to procedural failures. Second, system failure, the main risk to operations due to the bank's increasing dependence on technology. Third, external events, external factors come from matters beyond the control of the bank which also affect the company's operational performance. This study used a qualitative research method with a descriptive approach, the data sources obtained were primary data and secondary data, which were obtained through interview methods, observation methods, documentation methods and data analysis methods.
From the results of this study it can be seen that operational risks that occur at BSI KCP Gunung Tua occur due to internal risks such as incorrect checking of counterfeit money, human resource risks such as atk carried by customers, system risks, namely systems that are down and will always occur every year, risks law such as loss of customer guarantees, as well as external risks such as the Covid-19 disaster. The BSI KCP Gunung Tua continues to improve its risk management in order to reduce operational risks that occur. The method used by BSI KCP Gunung Tua to overcome operational risks that occur is by focusing on these 2 factors, optimizing controlling for all employees (internal) and also optimizing controlling for customers (external). It can be seen from the management that has been implemented quite well, it can be seen that the operational risk at BSI KCP Gunung Tua is now reduced. The current operational risk is only because the system is down and that is now only once a year. And the risk because of covid-19 has reduced.
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PDFDOI: https://doi.org/10.24952/jsb.v4i1.8369
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INDEKS JURNAL
TIM REDAKSI
Editor In Chief
- Dr. Abdul Nasser Hasibuan, SE., M.Si., SCOPUS ID 57196074084 , Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan, Indonesia
Managing Editor
- Ali Hardana S.Pd., M.SI., SINTA ID 6746127 Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan, Indonesia
Editorial Board
- Rukiah, M.Si., SINTA ID 6724481 Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan, Indonesia
- Nofinawati, MA., SINTA ID 6190151 Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan, Indonesia
- Dr. Budi Gautama Siregar, S.Pd., MM., SINTA ID 6190049 Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan, Sumatera Utara, Indonesia
- Dr. Awaluddin, MA., Scopus ID 57220003271 UIN Bukit Tinggi, Sumatera Barat, Indonesia
- Dr. Aliamin,M.Si., SINTA ID 6190355 Universitas Syiah Kuala, Indonesia
- Dr. Ilham Hidayah Napitupulu, M.Si., Scopus ID 56968180000 Politeknik Negeri Medan, Indonesia
- Dr. Murniati Mukhlisin, M.Si., SCOPUS ID 57008083900, Institut Agama Islam Tazkia, Indonesia
- Dr. Idhar Yahya, M.Si, SCOPUS ID 57195229014, Universitas Sumatera Utara, Indonesia
Reviewer
- Prof. Dr. Mohammad Nur Rianto Al Arif, M.Si, SCOPUS ID 57797575100, Universitas Syarif Hidayatullah Jakarta, Indonesia
- Dr Mohamed Eskandar Shah Mohd Rasid, Ph.D., ID SCOPUS ID 57782928700, Associate Professor of Islamic Finance at CIS, HBKU, Qatar
- Hamed Ragab Abbas Rasyid, SCOPUS ID 7102564969, Fakultas Ekonomi dan Ilmu Politik, Universitas Kairo, Kairo
- Prof. Dr. Darwis Harahap, S.HI., M.Si., Scopus ID: 57219150085 Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan, Indonesia
- Dr. Abdul Nasser Hasibuan, SE., M.Si., ID SCOPUS 57196074084, Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan, Indonesia
- Dr. Muhammad Kristiawan, M.Si., ID SCOPUS 57205367909, Universitas Bengkulu, Indonesia
- Prof. Dr. Iskandar Muda, SE., M.Si., Ak., CA., ID SCOPUS 57219085312, Universitas Sumatera Utara, Indonesia
- Prof. Dr. Isfenti Sadalia, MM., SCOPUS ID 57192412199, Universitas Sumatera Utara, Indonesia
- Rifki Ismal, Ph.d, ID SCOPUS 47061320200, STIE Tazkia dan Bank Indonesia
- Hendri Tanjung, Ph.d, ID SCOPUS 57224368001, Universitas Ibn Kaldun, Indonesia
- Dr. Saparuddin Siregar, M.Si, Scopus ID 58776925600 Universitas Islam Negeri Sumatera Utara, Indonesia
- Prof. Dr. Sirojuzilam, M.Si. SCOPUS ID 56880411600, Universitas Sumatera Utara, Indonesia
- Abdul Muis Hasibuan, Ph.D., SCOPUS ID 57201644913, Researcher at National Research and Innovation Agency, Indonesia
It Support Team
- Nofinawati, MA, SINTA ID 6190151 Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan, Sumatera Utara, Indonesia
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
ISSN Print: 2809-8781
ISSN Online: 2827-9344
FAKULTAS EKONOMI DAN BISNIS ISLAM
UNIVERSITAS ISLAM NEGERI SYEKH ALI HASAN AHMAD ADDARY PADANGSIDIMPUAN
Jalan T. Rizal Nurdin Km. 4,5 Sihitang Padangsidimpuan, Sumatera Utara, Indonesia
Email: journalofshariabanking@uinsyahada.ac.id