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RANGKA KERJA PENGURUSAN RISIKO SYARIAH INSTITUSI KEWANGAN ISLAM: APLIKASI GLOBAL MENANGANI RISIKO KETIDAKPATUHAN SYARIAH

(Sharia Risk Management Framework for Islamic Financial Institutions: Its Global Application in Managing Sharia NonCompliant Risk)

Rusni Hassan

hrusni@iium.edu.my

Institut Perbankan dan Kewangan Islam,

Universiti Islam Antarabangsa Malaysia.

Adnan Yusoff

adnan@uniten.edu.my

Universiti Tenaga Nasional.

Mohd. Syahmi Ab. Karim

syahmikarim@yahoo.co.uk

Bank Pembangunan Islam Dunia.

Ahmad Azam Othman,

aazam@iium.edu.my

Muhammad Naim Omar,

mhdnaim@iium.edu.my

Mohammad Deen Mohd Napiah

mdeen@iium.edu.my

Mohamad Asmadi Abdullah,

masmadi@iium.edu.my

Ahmad NajibAbdullah

anajib@iium.edu.my

Kulliyyah Undang-undang Ahmad Ibrahim,

Universiti Islam Antarabangsa Malaysia.

Abstrak

Institusi kewangan Islam pada masa kini tidak sahaja terdedah kepada risiko yang dihadapi oleh institusi kewangan konvensional, malah terpaksa berhadapan dengan risiko menurut perspektif syariah berdasarkan konsep kebertanggungjawaban syarak bagi memastikan semua operasi dan produk kewangan yang ditawarkan kepada pengguna memenuhi kehendak syarak. Oleh itu, semua institusi kewangan Islam perlu mewujudkan ‘Rangka Kerja Amalan Pengurusan Risiko Syariah supaya dapat memantau pematuhan syariah dalam setiap aktiviti perbankan yang dijalankan.

Kata kunci: Amalan Pengurusan Risiko Syariah, kepatuhan syariah, kewangan Islam, institusi kewangan konvensional, sistem perbankan

Abstract

In addition to the risks faced by traditional financial institutions, Islamic banks are widely exposed to Sharia-related risks with regards to the need for ensuring compliance of its operational activities and financial products with Islamic law. In order to mitigate these additional risks, Islamic Financial Institutions are urged to establish a comprehensive Framework for Sharia Risk Management’ that can help them  monitor their banking, financing and investment activities in

Keywords: Sharia Risk Management Practices, sharia compliant, Islamic finance, traditional financial institutions, banking system

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