Risk Mitigation Management for Maintaining Profitability at KSPPS BMT Assyafi’iyah Berkah Nasional Metro Branch
DOI:
https://doi.org/10.52166/adilla.v9i2.12686Keywords:
konten, Lembaga Keuangan, Manajemen Mitigasi Risiko, ProfitabilitasAbstract
Lembaga keuangan memainkan peran strategis dalam perekonomian nasional karena berfungsi sebagai perantara, menyalurkan dana dari unit surplus ke unit defisit. Namun, aktivitas ini secara inheren rentan terhadap berbagai risiko yang dapat mengganggu profitabilitas dan keberlanjutan institusi, seperti risiko kredit, risiko pasar, dan risiko operasional. Risiko yang tidak dikelola dengan baik berpotensi menyebabkan kerugian finansial dan mengurangi kepercayaan anggota dan pelanggan. Oleh karena itu, implementasi manajemen mitigasi risiko sangat penting untuk mengidentifikasi, mengukur, memantau, dan mengendalikan potensi ancaman terhadap stabilitas keuangan lembaga. Studi ini bertujuan untuk menganalisis implementasi manajemen mitigasi risiko di BMT Assyafi'iyah Berkah Nasional Metro Branch dan mengevaluasi efektivitasnya dalam menjaga profitabilitas lembaga. Penelitian ini menggunakan studi lapangan dengan pendekatan kualitatif deskriptif. Data primer diperoleh melalui wawancara dengan manajer cabang, staf pemasaran, dan kasir, sedangkan data sekunder dikumpulkan dari dokumen internal, buku, dan jurnal akademik yang relevan. Teknik pengumpulan data meliputi observasi, wawancara, dan dokumentasi, diikuti dengan analisis data melalui reduksi data, penyajian data, dan penarikan kesimpulan. Temuan menunjukkan bahwa BMT menerapkan manajemen mitigasi risiko secara sistematis dan terintegrasi, dengan menggunakan strategi yang melibatkan penilaian karakter, kapasitas, modal, jaminan, dan kondisi bisnis anggota. Manajemen risiko yang tepat telah terbukti mampu menjaga indikator kinerja keuangan yang stabil, termasuk Margin Laba Kotor, Margin Laba Bersih, Pengembalian Investasi (ROI), Pengembalian Ekuitas (ROE), dan Daya Perolehan Dasar. Selain itu, koordinasi antar unit dan pemantauan risiko yang berkelanjutan meningkatkan kepercayaan anggota dan mendukung stabilitas operasional. Oleh karena itu, manajemen mitigasi risiko berperan sebagai faktor kunci dalam meningkatkan profitabilitas dan memastikan keberlanjutan BMT Assyafi'iyah Berkah Nasional Metro Branch.
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