Implementasi Good Corporate Governance (GCG) untuk mengelola risiko perbankan: Studi pada PT. Bank Syariah Mandiri cabang Malang

ABSTRAK

Krisis ekonomi pada tahun 1997 yang melanda Indonesia dapat dilihat dari banyaknya perusahaan yang bankrut, buruknya kinerja perbankan nasional, persoalan kredit macet, rendahnya daya saing produk-produk indonesia di luar negeri sampai adanya ketakutan pemilik dan manajemen perusahaan maupun pemerintah terhadap berbagai konsekuensi yang akan timbul dari adanya perdagangan bebas. Selain itu dipengaruhi dengan belum dilaksanakannya good coorporate governance dan etika yang melandasinya.Penelitian ini bertujuan untuk menggambarkan Implementasi Good Corporate Governance (GCG) untuk mengelola risiko perbankan di Bank Syariah Mandiri.

Penelitian ini adalah penelitian kualitatif dengan pendekatan deskriptif. Dalam studi kasus ini menggambarkan Implementasi Good Corporate Governance (GCG) di PT. BSM Cabang Malang untuk mengelola risiko perbankan. Peneliti dalam pengumpulan data menggunakan teknik pengumpulan data, wawancara, dan dokumentasi dan kemudian dianalisa melalui data reduksi, data display, dan menarik kesimpulan.

PT. BSM Cabang Malang telah melakukan prinsip-prinsip Good Corporate Governance (GCG) dengan baik dan telah menerapkan lima prinsip tata kelola yang baik yaitu Transparency (keterbukaan informasi), accountability (akuntabilitas), Responsibility (pertanggungjawaban), independency (kemandirian), dan fairness (keadilan), meskipun secara khusus perlu diperbaiki dalam akuntabilitas pelanggaran di titik Kode Etik. PT. Bank Syariah Mandiri Cabang Malang melakukan pemantauan keseluruhan aktivitas perbankan. Bank Syariah Mandiri Cabang Malang menggunakan Enterprise Risk Management (ERM). Penerapan Enterprise Risk Management (ERM) yang berkesinambungan merupakan inisiatif strategis yang dikembangkan oleh bank, dan diharapkan mampu meningkatkan kinerja bank sehingga menghasilkan value added bagi stakeholders. ERP ini berisi tentang program kerja antara lain pemutakhiran manual kebijakan dan pedoman operasional, optimalisasi organisasi manajemen risiko, SIMRIS (Syariah Mandiri Risk Informations System) penetapan limit risiko dan pengembangan limit risiko dan pengembangan pembiayaan.

ABSTRACT

Economic crisis in 1997 which happened in Indonesia can be seen from the number of bankrupt companies, poor performance, bad credit problems of national banks, low competitiveness of products in foreign countries Indonesia until there is fear of the company owners and management and the government concern the consequences that will arise of the existence of free trade. There are also not affected by the implementation of Good Corporate Governance and the underlying ethics. This study aims of describing the implementation of Good Corporate Governance (GCG) to manage the risk of banking at Bank Syariah Mandiri Malang Branch.

This research is uses a qualitative descriptive approach. This study describes the application of Good Corporate Governance (GCG) at the PT. BSM Malang Branch to manage banking risks. Researcher uses the techniques of data collection; interviews, and documentation and then analyze is through data reduction, data presentation, and conclusions drawing.

From the analysis it was found that the implementation of Good Corporate Governance (GCG) at the PT. BSM Malang Branch banking to manage risk effectively and in accordance with the direction and guidance from the BSM Center. PT. BSM Malang Branch has conducted the principles of Good Corporate Governance (GCG) well and The Bank implemented the five principles of good governance namely Transparency (openness of information), accountability, Responsibility, independency, and fairness, although in special need of repair in violation at the point of accountability Code of Conduct. PT. Bank Syariah Mandiri Malang Branch to monitor the overall banking activity. Bank Syariah Mandiri Malang Branch using Enterprise Risk Management (ERM). The Enterprise Risk Management (ERM) is ongoing strategic initiatives developed by the bank, and is expected to improve the performance of the banks that generate added value for stakeholders. ERM contains modish manual policy and operational orientation, optimizing of risk management organization, SIMRIS (Syariah Mandiri Risk Information System), and implementation of risk limit and development of funding analysis devices.