PENGARUH PENERAPAN MANAJEMEN RESIKO TERHADAP KINERJA BANK PEMBIAYAAN RAKYAT SYARIAH STUDI PADA BPRS SE KOTA BANDAR LAMPUNG

Abstract

The implementation of risk management is a crucial aspect in ensuring the sustainability and performance of Islamic financial institutions, including Islamic Rural Banks (Bank Pembiayaan Rakyat Syariah / BPRS). BPRS operate with limited capital and face various types of risks such as credit risk, liquidity risk, operational risk, and compliance risk, which may significantly affect their financial and non-financial performance. This study aims to analyze the effect of risk management implementation on the performance of Islamic Rural Banks in Bandar Lampung City. This research employs a quantitative approach using primary data obtained through questionnaires distributed to management and employees of BPRS operating in Bandar Lampung City. The risk management variables examined include risk identification, risk measurement, risk monitoring, and risk control, while bank performance is measured using indicators of financial performance, operational efficiency, and service quality. The data were analyzed using statistical techniques, including validity and reliability tests, classical assumption tests, and multiple regression analysis. The results of this study indicate that the implementation of risk management has a positive and significant effect on the performance of Islamic Rural Banks in Bandar Lampung City. Each component of risk management, particularly risk identification and risk control, plays a vital role in improving bank performance. Effective risk management enables BPRS to minimize potential losses, enhance operational efficiency, strengthen customer trust, and ensure compliance with Islamic principles and regulatory requirements. In conclusion, the proper implementation of risk management contributes significantly to improving the overall performance of Islamic Rural Banks. Therefore, BPRS management is encouraged to continuously strengthen risk management practices through improving human resource competence, implementing standard operating procedures, and enhancing internal supervision systems. This study is expected to contribute both theoretically and practically to the development of Islamic banking, especially in strengthening risk management frameworks within BPRS.