Upaya Dinamisasi Sistem dan Soliditas Regulasi dalam Manajemen Risiko Pembiayaan 4.0 pada Perbankan Syariah

Abstract

The study in this paper is based on the fact that we have entered the era of disruption with the phenomenon of the industrial revolution 4.0, where Islamic banks become one of the institutions and industry players that must respond to this in its operations. The positive response that needs to be shown is to conduct risk management financing 4.0 with synergy between system dynamism and regulatory solidity responding to the industrial revolution 4.0. The research in this paper is qualitative research with a type of normative legal research using a conceptual approach. The results of the discussion showed that efforts to realize financing risk management 4.0 by dynamic a civilized system with the cyber era, big data and internet of things both in risk management at the screening, monitoring and non performing financing handling such as credit scoring implementation. A dynamic system needs to also be supported by juridical aspects in order to provide legal power with the realization of regulatory solidity with the presence of regulations that represent legal progressivity that should be the responsibility of OJK through the formulation of POJK in synergy with DSN-MUI through its fatwa legitimized by law.