ANALISIS PENERAPAN MANAJEMEN RISIKO PEMBIAYAAN QORDHUL HASAN BAGI KOMUNITAS KAMPUS: STUDI KASUS PADA BMT DOKMA KAMPUS CENTER

Abstract

Risk management is a crucial element in maintaining the stability and sustainability of financial institutions, including Islamic microfinance institutions such as Baitul Maal wat Tamwil (BMT). One financing product with distinctive risk characteristics is qordhul hasan financing, a benevolent loan without returns based on the principle of mutual assistance (ta’awun). This study aims to analyze the implementation of risk management in qordhul hasan financing at BMT Dokma Kampus Center, particularly in balancing social objectives and institutional sustainability. This research employs a qualitative approach using secondary data obtained through a literature review of journals, books, and relevant regulations. Data were analyzed using descriptive analysis techniques. The results indicate that risk management implementation in qordhul hasan financing involves risk assessment, determination of risk appetite and risk tolerance, as well as risk control strategies including risk avoidance, risk reduction, risk transfer, and risk acceptance. Furthermore, the use of risk management tools and techniques such as risk maps, sensitivity analysis, Failure Modes and Effects Analysis (FMEA), and risk registers assists BMT in identifying and mitigating financing risks. Proper implementation of risk management is expected to ensure the sustainability of social funds and enhance the trust of the campus community in BMT Dokma Kampus Center.