Operational Risk Management Analysis at Bank Muamalat Indonesia
DOI:
https://doi.org/10.5281/Keywords:
Management, Operational Risk, Bank Muamalat IndonesiaAbstract
The development of the Islamic banking industry in Indonesia continues to show improvement in line with growing public trust in sharia principles. As the first pure Islamic bank, Bank Muamalat Indonesia faces operational risk challenges in the digital era, such as cybersecurity and potential fraud. The purpose of this study is to analyze the implementation of operational risk management at Bank Muamalat Indonesia in maintaining stability and supporting innovation in Islamic banking. Using a qualitative method with a literature study approach, this study utilizes secondary data from annual financial reports, OJK regulations, and related scientific publications. The results show that Bank Muamalat implements monitoring of risk appetite, risk tolerance, a risk-aware culture, and internal control systems such as RCSA, KRI, and BCM. The implementation of effective risk management has been proven to increase profitability, operational efficiency, and bank resilience, as reflected in the decrease in the BOPO ratio and the strengthening of its reputation and financial stability. Thus, operational risk management plays a strategic role in supporting the sustainable growth and competitiveness of Bank Muamalat Indonesia in the Islamic banking industry.
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