RISK ANALYSIS IN MURABAHAH FINANCING IN INDONESIAN SHARIA BANK

Abstract

Murabahah financing is one of the main products in the Islamic banking system, often used to meet customer financing needs. Despite its simple and transparent structure, murabahah financing faces several risks that must be carefully managed by Islamic banks. The risks involved include credit risk, market risk, operational risk, and liquidity risk. This study aims to analyze these risks and provide mitigation strategies that Islamic banks can implement to reduce potential losses. Using a qualitative approach and literature review, the findings indicate that effective risk management will enhance the stability and sustainability of Islamic banks' operations in murabahah financing.