Analisis Manajemen Risiko Dalam Transaksi Brilink Menurut Ekonomi Syariah

Abstract

This study aims to analyze risk management in BRILink transactions from the perspective of Islamic economics. BRILink, as a digital banking service facilitating transactions through agents, faces various risks that can affect its performance and compliance with Islamic principles such as riba (usury), gharar (uncertainty), and maysir (speculation). This research uses a qualitative descriptive approach with a case study at Pelita Store, a BRILink agent in Ciranjang District. Data was collected through interviews with managers, direct observations, and relevant literature studies.

The results of the study show that operational risk, liquidity risk, and Sharia risk are the main types of risks in BRILink transactions. To manage these risks, Pelita Store has implemented various strategies, such as increasing customer education, enhancing transaction monitoring, and ensuring compliance with Sharia banking regulations. Additionally, the use of technology and digital applications helps reduce transaction risks, although further strengthening is needed in terms of socializing Sharia principles to customers.

In conclusion, the risk management applied by Pelita Store in BRILink transactions is in accordance with Islamic economic principles, although further efforts are needed in monitoring and education to minimize potential risks in the future.