Risk Management of DPLK Pension Funds of Sharia Financial Institutions (Evidence from a DPLK Pension Funds of Muamalat Sharia Financial Institutions)
Abstract
The purpose of this research is to find out and analyze how the risk management of Sharia financial institution DPLK Pension Funds at the Muamalat Sharia Financial Institution DPLK Pension Fund (MSFIPF). This study uses qualitative methods with case study strategies. The object of this study was the Muamalat Sharia Financial Institution DPLK Pension Fund, an assessment was carried out using the Australian Standard / New Zealand Standard 4360: 1999 qualitative analysis method. The results of this study have found 5 types of risks identified namely strategic risk, operational risk, risk of assets and liabilities, reputation risk, and risk to participants. The results obtained from the risk assessment resulted in 17 types of risk descriptions, consisting of 4 types of risk descriptions with significant levels, 9 types of risk descriptions with moderate levels, and 4 types of risk descriptions with low levels. Based on the research it was found that a significant level is the level of risk description that must be considered highly because the opportunity is quite high and has a detrimental impact on the Muamalat Sharia DPLK Pension Fund. The level of risk description at the significant level of the Muamalat Sharia DPLK Pension Fund consists of 4 risk descriptions, among others, 3a. Investment returns are not in accordance with the benchmark, 3b. a mistake participants choose investment package (MSFIPF), 5a. fluctuating risk (participants), and 5b. a mistake in selecting investment packages (participants).
Keywords: Risk Management, Sharia DPLK Pension Fund, Muamalat Sharia DPLK Pension Fund
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