Proceedings of the 3rd International Conference on Economic and Social Science, ICON-ESS, 17–18 October 2018, Banda Aceh, Indonesia

Research Article

Risk Management Analysis In Gala Financing Procedures In Sharia Bank

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  • @INPROCEEDINGS{10.4108/eai.17-10-2018.2294208,
        author={Ikhsan  Fajri and Muksal  Muksal and Eddy  Gunawan and Teuku Meldi Kesuma},
        title={Risk Management Analysis In Gala Financing Procedures In Sharia Bank},
        proceedings={Proceedings of the 3rd International Conference on Economic and Social Science, ICON-ESS, 17--18 October 2018, Banda Aceh, Indonesia},
        publisher={EAI},
        proceedings_a={ICON-ESS},
        year={2020},
        month={4},
        keywords={gala financing microeconomics islamic financial institutions},
        doi={10.4108/eai.17-10-2018.2294208}
    }
    
  • Ikhsan Fajri
    Muksal Muksal
    Eddy Gunawan
    Teuku Meldi Kesuma
    Year: 2020
    Risk Management Analysis In Gala Financing Procedures In Sharia Bank
    ICON-ESS
    EAI
    DOI: 10.4108/eai.17-10-2018.2294208
Ikhsan Fajri1,*, Muksal Muksal1, Eddy Gunawan2, Teuku Meldi Kesuma3
  • 1: Program Studi Perbankan Syariah, Fakultas Syariah, Universitas Serambi Mekkah Jln. Tgk Imum Lueng Bata, Banda Aceh 23245, Indonesia
  • 2: Program Studi Ekonomi Islam, Fakultas Ekonomi, Universitas Syiah Kuala Jln. Teuku Nyak Arief Darussalam, Banda Aceh 23111, Indonesia
  • 3: Program Studi Manajemen, Fakultas Ekonomi, Universitas Syiah Kuala Jln. Teuku Nyak Arief Darussalam, Banda Aceh 23111, Indonesia
*Contact email: ikhsan.fajri@gmail.com

Abstract

In its financing activities, Gala has a variety of classical and content issues where the problem is a natural feature that commonly occurs in the modern financial world known as risk. The risk gala financing also becomes a fundamental problem that must be anticipated and reduced the level of risk from the beginning by the capital owner in order to create a healthy gala financing activity given the risks involved in financing a segment that is different from the risk in other financing which is in the risk financing segment. selective in providing financing to members, this is very reasonable in addition to business management the members have not been credible or have not fulfilled the requirements for financing, so this condition becomes a serious problem in the future for Islamic banks if they want to channel the financing so the bank needs to focus and apply the principle caution against. On the other hand in the view of Islam, the risk of financing a gala is not something to be feared so it must be avoided, Islam is very pressing through its economic system to minimize any level of risk at any level of financing that is channeled in order to create a healthy and productive business atmosphere.