Analisis Risiko Pembiayaan Syariah Pada Sektor Pertanian

Article Sidebar

PDF
Published: 2014-12-26
DOI: https://doi.org/10.29244/jam.2.2.88-120
Keywords:
Enterprise Risk Management, Pembiayaan Syariah, Pertanian

Main Article Content

Khonsa Tsabita
International Islamic University Malaysia

Abstract

One of the main problems of agricultural sector in Indonesia is the lack of financial support. There are many financing programs which available to overcome this problem, but this problem still persist. Thus, the alternative financing scheme such as Islamic financing that concern on risk sharing concept rather than profit, is a feasible solution. Moreover, the increase of Islamic financing on agricultural sector requires many studies. One of them is about financing risk analysis as well as risk management instruments and systems. This research is applied at BPRS (Islamic Rural Bank) Amanah Ummah, Leuwiliang, Bogor, Indonesia, which provides financing for agricultural business. Thus, this research is focused on analyzing Islamic financing risk and measuring potential loss. In addition, this Islamic financing risk is analyzed with Enterprise Risk Management (ERM) framework method and the potential loss is measured with creditrisk+ method. Overall, this research contributes to literatures on Islamic financing in agricultural sector and provides ground-study related to  financing risk analysis on Islamic microfinance institutions.

Article Details

Issue

Vol. 2 No. 2 (2014): AL-MUZARA'AH (December 2014)

Section

Articles

Author(s) who published in this journal agree to following terms:

  1. Authors understand and agree that copyright of manuscripts published are held by Al-Muzara'ah. The statement to release the copyright to Al-Muzara'ah is stated in Copyright Transfer Agreement (CTA) form.
  2. Copyright encompass exclusive rights to reproduce, to distribute, and to sell any part of the journal articles in all form and media.

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License (CC BY-SA) where Authors and Readers can copy and redistribute the material in any medium or format, as well as remix, transform, and build upon the material for any purpose, but they must give appropriate credit (cite to the article or content), provide a link to the license, and indicate if changes were made. If you remix, transform, or build upon the material, you must distribute your contributions under the same license as the original.

References

Ashari, Saptana. 2005. Prospek pembiayaan syariah untuk sektor pertanian. Forum Penelitian Agro Ekonomi [Internet]. [Diunduh 2012 Apr 7]; 23(2): 132-147. Tersedia pada: http://pse.litbang.deptan.go.id/ind/pdffiles/FAE23-2e.pdf.

[BI] Bank Indonesia. 2011. Statistik Perbankan Syariah Juni 2011. Jakarta (ID).

[BI] Bank Indonesia. 2013. Statistik Perbankan Syariah Januari 2013. Jakarta (ID).

[BPRS AU] BPRS Amanah Ummah. 2007. Laporan Tahunan (Annual Report) 2007 BPRS Amanah Ummah. Bogor (ID): IPB.

[BPRS AU] BPRS Amanah Ummah. 2008. Laporan Tahunan (Annual Report) 2008 BPRS Amanah Ummah. Bogor (ID): IPB.

[BPRS AU] BPRS Amanah Ummah. 2010. Laporan Tahunan (Annual Report) 2010 BPRS Amanah Ummah. Bogor (ID): IPB.

[BPRS AU] BPRS Amanah Ummah. 2011. Laporan Tahunan (Annual Report) 2011 BPRS Amanah Ummah. Bogor (ID): IPB.

[BPRS AU] BPRS Amanah Ummah. 2012. Laporan Tahunan (Annual Report) 2012 BPRS Amanah Ummah. Bogor (ID): IPB.

[BPS] Badan Pusat Statistik. 2013. Penduduk 15 Tahun ke Atas yang Bekerja Menurut Lapangan Pekerjaan Utama pada Tahun 2004-2012. Jakarta (ID).

[BPS] Badan Pusat Statistik. 2013. Produk Domestik Bruto Atas Dasar Harga Berlaku Menurut Lapangan Usaha pada Tahun 2004-2012. Jakarta (ID).

Crouchy et al. 2000. Risk Management: Comprehensive Chapters on Market, Credit, and Operational Risk, Features an Integrated VaR Framework, Hedging Strategies for Reducing Risk. New York (US): McGraw-Hill.

CSFB. 1997. Creditrisk+: A Credit Risk Management Framework. London (GB): Credit Suisse First Boston.

[DPKP] Direktorat Pembiayaan Kementerian Pertanian. 2011. Pola Pembiayaan Syariah untuk Sektor Pertanian. Jakarta (ID): Kementerian Pertanian.

Godfrey PS. 1996. Control of Risk: A Guide to the Systematic Management of Risk from Construction. London (GB): Construction Industry Research and Information Assoc.

Hafidhuddin D, Syukur M. 2008. Pembiayaan Syariah dalam Pembangunan Pertanian. Jakarta (ID): Pusat Pembiayaan Pertanian Sekretariat Jenderal Departemen Pertanian.

Karim AA. 2009. Bank Islam : Analisis Fiqih dan Keuangan. Jakarta (ID): Raja Grafindo Persada.

Kountur R. 2008. Mudah Memahami Manajemen Risiko Perusahaan. Jakarta (ID): Penerbit PPM.

Siahaan H. 2009. Manajemen Risiko : Pada Perusahaan dan Birokrasi. Jakarta (ID): Elex Media Komputindo.

Triawan LN. 2008. Risiko portofolio dan potensi kerugian pembiayaan pada BPRS Amanah Ummah dengan metode creditrisk+ [skripsi]. Bogor (ID): Institut Pertanian Bogor.