ISLAMIC BANK PLACEMENT RISK ANALYSIS: CASE STUDY IN Q2 2024 AT BPKH

Abstract

This study discusses the application of technology-based information systems used at the Hajj Financial Management Agency (BPKH) to increase efficiency and transparency in managing Hajj funds. This system allows monitoring the performance of partner Islamic banks directly and analyzing risks based on their financial reports. Advanced technology such as big data and risk analytics are applied to speed up and increase accuracy in making decisions about placing Hajj funds. Evaluation is carried out using important ratios, such as the Capital Adequacy Ratio (CAR), liquidity and non-performing financing (NPL). The research results show that this system has increased the efficiency of decision-making time, reduced investment risk, and improved transparency in the management of Hajj funds. Some of the challenges faced include budget limitations for further system development and difficulties in technology integration. This research concludes that the application of sophisticated information systems has a positive impact on safer and more efficient management of Hajj funds. Recommendations include ongoing staff training, system improvements, and regular maintenance and evaluation.