A Bank Muamalat's Resilience: The Role of Funding Policy in Overcoming Economic Challenges
Ketahanan Bank Muamalat : Peran Kebijakan Pendanaan Dalam Mengatasi Tantangan Ekonomi
DOI:
https://doi.org/10.33752/jies.v5i2.6492Keywords:
Bank Muamalat, Bank Resilience, Funding Policies, Economic Crisis, Islamic Bank.Abstract
This research aims to analyze the resilience of Bank Muamalat in facing economic
challenges, as well as the role of funding policies in overcoming these challenges. The research
method employed is a descriptive qualitative approach with a case study on the Kudus Branch
Office of Bank Muamalat. Data was collected through interviews with relevant parties at the bank,
direct observation, and literature review.
The results show that Bank Muamalat implements strict credit analysis through a multistage screening process to avoid default risk. During economic crises, financing requirements were
tightened and only provided to customers with fixed incomes from reputable companies. Economic
and market conditions were continuously monitored to evaluate and adjust funding policies,
including financing requirements. In managing liquidity, Bank Muamalat collaborated with
vendors, particularly for large withdrawals, taking into account insured cash limits. Compliance
with regulations from the Financial Services Authority (OJK), Bank Indonesia (BI), and internal
Standard Operating Procedures (SOPs) was a priority in funding and operational management.
Product innovations such as the Prima Berhadiah Savings were also introduced to raise public
funds. This research provides a deeper understanding of Bank Muamalat's resilience in facing
economic challenges, as well as the role of the implemented funding policies. These findings can
serve as input for Bank Muamalat and regulators in enhancing the resilience of Islamic banks in
the future.
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