PENERAPAN MANAJEMEN RISIKO PADA PENGELOLAAN PROPERTY SYARIAH
Studi Pada PT. Granada Property Syariah Kab. Konawe Selatan Provinsi Sulawesi Tenggara
DOI:
https://doi.org/10.32477/jrabi.v5i4.1254Keywords:
Risk Management , Sharia Property, Sale and Purchase Agreement.Abstract
This study aims to examine the implementation of risk management in the management of sharia-compliant property at PT Granada Property Syariah in South Konawe Regency, Southeast Sulawesi Province. The focus of the study is directed at how the company identifies, manages, and anticipates various forms of risk without the involvement of banking institutions, in accordance with the principles of Islamic muamalah which reject usury. This study uses a qualitative method with an interpretive case study approach, which aims to explore in-depth the mechanisms and strategies of risk management from a social and religious perspective. The results show that Granada Property Syariah implements three main transaction forms: cash sales, soft cash sales, and sharia-compliant credit sales. The success of the implemented risk management system is supported by the principles of transparency, fairness, and trustworthiness. This study contributes to strengthening the concept of sharia-compliant risk management by providing empirical evidence of the implementation of non-bank systems in the property business. In addition, the results emphasize the importance of risk management based on Islamic values to maintain business continuity and strengthen public trust in sharia-compliant economic practices.
References
Creswell, J. W. (2018). Research design: Qualitative, quantitative, and mixed methods approaches (4th ed). Thousand Oaks, CA: Sage Publications.
Eisenhardt, K. M. (1989). Agency Theory: An Assessment and Review. Academy of Management Review, 14(1), 57–74. https://doi.org/10.5465/amr.1989.4279003
Hardi Mulyono, Irma Idayati, & Wisdalia Maya Sari. (2023). Analisis Penerapan Risiko Kredit Macet Pada Koperasi Simpan Pinjam “RIAS” P1. Mardiharjo. EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi Dan Bisnis, Vol 11 No 1 (2023).
Hidayat, B. K., & Ghozali, M. L. (2025). Strategi Manajemen Risiko Produk iB Kepimilkan Rumah Pada KB Bank Syariah KC Sidoarjo Prespektif Saddudz al-Dzari’ah. JPSDa: Jurnal Perbankan Syariah Darussalam, 5(1), 60–72. https://doi.org/10.30739/jpsda.v5i1.3473
Jensen, M. C., & Meckling, W. H. (1976). Theory of the firm: Managerial behavior, agency costs and ownership structure. Journal of Financial Economics, 3(4), 305–360. https://doi.org/10.1016/0304-405X(76)90026-X
Muhaimin, M. (2022). Analisis Manajemen Risiko Pada Pengelolaan Bisnis Perumahan Syariah Al Mumtaz Residence Banjarmasin. Jurnal Ilmiah Ekonomi Islam, 8(3), 3581. https://doi.org/10.29040/jiei.v8i3.5400
Ridho Mufti, Nur Fatwa, Nurdin Sobari, & Nova Rini. (2025). Manajemen Risiko Perusahaan Pembiayaan Syariah di Indonesia. Jurnal Ilmiah Multidisiplin Indonesia , 5.
Riezky Fadhillah RH, Fairuz Naila Qosammah, Siti Nova Ramayanti, & Rini Halila Nasution. (2025). Analisis Manajemen Risiko pada Produk Pembiayaan Syariah di PT. Bank Sumut Unit Usaha Syariah. JIMBE : Jurnal Ilmu Manajemen, Bisnis Dan Ekonomi.
Sugianto, S., El Hakim, M. L., & Sati Hana’an, D. S. (2024). Manajemen Risiko Pada Investasi Bisnis Properti Syariah. Jurnal Ilmiah Ekonomi Islam, 10(1), 702. https://doi.org/10.29040/jiei.v10i1.12191
Sugino, T. (2020). Interpretative approach in social research. Japan University Press.
Sugiyono. (2019). Metode penelitian kuantitatif, kualitatif, dan R&D. Alfabeta.
Tasya, Y. R., & Nasution, J. (2021). Penyelesaian Kredit Macet Pembiayaan Murabahah Pada Masa Pandemi Covid-19 Di Bank Sumut Syariah Cabang Pembantu Lubuk Pakam. Account, 8(2). https://doi.org/10.32722/acc.v8i2.4401
Zulhasby Assidqy Nasution, & Tuti Anggraini. (2024). Analisis Penerapan Manajemen Risiko terhadap Pembiayaan Murabahah Macet di BMT Raudhah. Jurnal Ekonomi Dan Perbankan Syariah.
