Implementasi Penggunaan Fintech Dalam Manajemen Risiko: Studi Pada Baitul Maal Hidayatullah
DOI:
https://doi.org/10.18196/jati.v5i1.13326Keywords:
Badan Zakat, Manajemen Risiko, ERM.Abstract
Penelitian ini bertujuan untuk mengungkap makna yang melatari implementasi manajemen risiko pada Lembaga amil zakat. Objek penelitian ini adalah salah satu Lembaga amal zakat di Malang yaitu Baitul Maal Hidayatullah (BMH). Jenis data primer berupa hasil wawancara dilakukan melalui wawancara tidak terstruktur. Adapun informan dalam penelitian ini meliputi 1 orang berkedudukan di top management, 1 orang berkedudukan di midle managemet, dan 1 orang berkedudukan di lower management yang ikut serta dalam pengelolaan risiko organisasi. Adapun analisis data dilakukan melalui pendekatan fenemenologi dengan menggunakan lima komponen framework Enterprise Risk Management (ERM) yaitu Governance and Culture, Strategiy and Objective – Setting, Performance, Review and Revision, Information, Comunication, and Reporting. Hasil penelitian menggambarkan bahwa BMH mengimplementasi manajemen risiko dengan sangat baik berdasarkan Framework ERM. Implementasi manajemen risiko pada BMH juga didukung tingkat optimis yang tinggi sebagai bentuk tanggungjawab pada Stakeholder maupun kebutuhan individu dalam hubungannya dengan Maha Pencipta.
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