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Abstract
This paper analyzes the impact of regulation and supervision system on the application of financial risk management in BMT Beringharjo (hereafter BMTB) and BPRS Madina (hereafter BPRSM). As understood, BMTs are loosely regulated and supervised by the Department of Cooperation, while BPRs are highly regulated and supervised by Bank Indonesia. Using a qualitative method, this paper finds that the financing organization in BMT needs improvement as the director and the manager are the same person. The financing procedure works well despite the lack of online system to coordinate branch offices. The paper also finds that BPRSM complies the financing procedure made by BI. The financing organization in BPRSM also works well, from the top commisariate to the employees level.
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References
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References
Bessis, J. (1998), Risk Management in Banking, John Wiley and Sons Ltd., West Sussex.
Idris, M.B. (2006), Analisis Pendapatan Dan Resiko Kredit Antar Segmen pada PT. Bank Rakyat Indonesia, Tesis Master, Program Magister Manajemen, Univer¬sitas Gadjah Mada, Yogyakarta.
Karim, A. (2010), Bank Islam Analisis Fiqih dan Keuangan, Raja Grafindo Persada, Jakarta.
Keputusan Menteri Negara Koperasi Dan Usaha Kecil Dan Menengah Republik Indonesia Nomor: 91/KEP/M.KUKM/IX/2004 tentang Petunjuk Pelaksanaan Kegiatan Usaha KJKS.
Khan, T. dan H. Ahmed (2008), Manajemen Resiko Lembaga Keuangan Syariah, Terjemahan, Bumi Aksara, Jakarta.
Niswati, K. (2008), Aplikasi Manajemen Resiko pada BPR NUSUMMA Gondanglegi Malang, Skripsi Sarjana, Jurusan Manajemen, Universitas Islam Negeri Malang, Dipublikasikan di http:// lib.uin-malang.ac.id.
Peraturan BI Nomor 13/23/PBI/2011 tentang Penerapan Manajemen Resiko Bagi Bank Umum Syariah Dan Unit Usaha Syariah.
Rahmadi, A. (2007), Efektivitas Credit Scoring System Pada Kredit Segmen Mikro Di PT Bank Mandiri, Tesis Master, Magister Manajemen UGM.
Saadah, H. (2009), Penyaluran dan Pengem¬balian Kredit Pada Usaha Mikro, Kecil Dan Menengah Melalui Lembaga Keuangan Mikro (Kasus KBMT dan BPRS di Bogor, Skripsi Sarjana, Pro¬gram Sarjana Ekstensi Manajemen Agribisnis Fakultas Pertanian Institut Pertanian Bogor, Bogor.
Sakai, M. dan Marijan (2008), “Mendaya¬gunakan Pembiayaan Mikro Islami,†Crawford School of Economics and Government, Australian National Uni¬versity ABN 52 234 063 906
Sartiningsih, T. dan A. Na’im (2007), “Penerapan Manajemen Risiko untuk Mendukung Pelaksanaan Good Corpo¬rate Governance: Studi Kasus PT Bank Mandiri (Persero), Tbk,†Electronic Thesis and Dissertation, Gadjah Mada University, available at.
Singarimbun, M. dan S. Effendi (2012), Metode Penelitian Survai, Pustaka LP3ES.
Spradley, J.P. and K. Baker (1980), Participant Observation, Holt, Rinehart and Winston, New York.
Steinwand, D. (2000), A Risk Management Framework for Microfinance Institu¬tions, Detsche Geseschaft fur Tech¬nische Zusammenarbeit (GTZ) GmbH.