Risk management at the bank's shariah

Business is an activity that always faced with the risk and return.bank sharia is the one business unit. Thus, the syariah banks will also face the risk management of the bank itself. Sharia bank is a bank with a full risk. In the specific risks that will cause the level of benefits bervariasinya banks include: liquidity risk, credit risk, interest rate risk, risk capital.

There are several reasons why risk management should be applied in the bank, and why so important, if we again more carefully, especially with the implementation of Bassel II Accord, which is a refinement of the Accord Bassel I, is not the risk of global events that occurred in Enron, where there have been kecerobahan or manipulation of data, therefore, the two leaders fokal in parliament, called the United States Sarbone Oxley, so each must laopran financial cmply with regulations or Sarbone Oxle Sox. Terilham from it berimbas to the banking sector to implement risk management, with the added condition that is not stabilized, causing the bank would not want to risk management

Reasons Why risk management so important
1. The Bank is a services company that incomes derived from the interaction with customers so that the risk may not no
2. By knowing the risks, we can anticipate and take the necessary action in the face of client / problems
3. Can grow a better understanding of the inherent, which is a very important function in the operational activities.

Type of Risk
Credit Risk
• Where is the risk arising from the failure (default) from the other party (the customer / debtor / mudharib in meeting its obligations.
• Credit Risk can happen in the event: Financing, Treasuri and Investment, finance and trade
• Failure to pay the client back murabahah installment
• Failure to pay the client (Scheduled repayment) Ijarah
• Failure to pay the client back (Scheduled repayment) Istishna
• Failure to send a client to the commodity that is bought