Risiko Operasional Bank dalam Pertumbuhan Pangsa Pasar Bank Syariah Indonesia (BSI) di Era Pandemi Covid-19
Abstract
Optimalisasi kinerja bank yang baik dan sehat dapat meningkatkan pangsa pasar bank secara positif. Untuk itu bank perlu mengelola setiap masalah yang dapat menghambat optimalisasi aktivitas kinerjanya, terlebih di masa pandemi covid-19. Tujuan dari penelitian ini untuk mengetahui risiko yang timbul akibat pandemi Covid-19 pada operasional Bank Syariah Indonesia (BSI) yang dapat menyebabkan aktivitas kerja bank menjadi tidak optimal dan berdampak pada pangsa pasarnya. Penelitian ini menggunakan metode kualitatif deskriptif dan komparatif yang mendeskripsikan serta membandingkan data laporan keuangan di era pandemi covid-19 (2020-2021) di Indonesia. Hasil penelitian menunjukkan Bank Syariah Indonesia (BSI) telah melakukan mitigasi risiko dengan cara memperkuat layanan kanal digital BSI, serta menerapkan aturan pemerintah terkait protokol kesehatan dan mampu mempertahankan serta meningkatkan pangsa pasarnya yang dibuktikan dengan pertumbuhan laba BSI pada semester I/2021 sebesar Rp.1,48 triliun naik 15,16%.
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Kata Kunci: Risiko Operasional, Pangsa Pasar, Covid-19
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Optimizing good and healthy bank performance can increase the bank's market share positively. For this reason, banks need to manage any problems that can hinder the optimization of their performance activities, especially during the COVID-19 pandemic. The purpose of this study is to determine the risks arising from the Covid-19 pandemic in the operations of Bank SyariahÂ
Indonesia (BSI) which can cause the bank's work activities to be not optimal and have an impact on its market share. This study uses descriptive and comparative qualitative methods that describe and compare financial statement data in the era of the covid-19 pandemic (2020-2021) in Indonesia. The results show that Bank Syariah Indonesia (BSI) has mitigated risk by strengthening services digital channel BSI, as well as implementing government regulations related to health protocols and being able to maintain and increase its market share as evidenced by BSI's profit growth in semester I/2021 of Rp.1 .48 trillion, up 15.16%.Â
Keywords: Operational Risk, Market Share, Covid-19
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