ANALISIS MANAJEMEN RISIKO PADA PEMBIAYAAN RAHN STUDI KASUS KOPERASI SIMPAN PINJAM PEMBIAYAAN SYARIAH (KSPPS) BMT AL-IKTISAB KEBUN BARU JATIM CABANG PALENGAAN

Abstract

Financial institutions operating in banking activities, with a macro scope being Baitul Mal wa Tamwil (BMT), consequently must implement effective risk management as an effort to improve good governance and revenue, and risk management in the banking industry and other financial institutions. The focus of this research is to identify the risks that occur in Rahn financing, explain the Rahn financing mechanism, describe the implementation of Rahn financing risk management at BMT Al-Iktisab Kebun Baru Palengaan Branch, and detail the development of Rahn financing. The objectives of this research are to determine the risks that occur in Rahn financing at BMT Al-Iktisab Kebun Baru Palengaan Branch, to determine the mechanism and development of Rahn financing, to determine the extent of the implementation of risk management in Rahn financing, and to determine the development of Rahn financing. The research method is qualitative research, carried out in the form of interviews and field observation, using a Case Study research type. The research location is JL. Pasar Palengaan Simpang Tiga, Pamekasan Regency. Data sources include primary and secondary data. Data collection methods utilized observation, interviews, and documentation. The result of this research is a description of the stages of risk management implementation in Rahn financing at KSPPS BMT Al-Iktisab Kebun Baru Jatim Palengaan Branch, showing that optimizing existing risk management can reduce the faced risks.

Keywords: Risk Management, Rahn Financing, KSPPS BMT Al-Iktisab.