IMPLEMENTASI MANAJEMEN RISIKO DALAM BISNIS MENURUT TINJAUAN EKONOMI ISLAM (Studi Kasus Pada Perusahaan Odiva (rental VCD/DVD) Panam-Pekanbaru)

Abstract

This study was conducted to see the implementation of enterprise risk management at Odiva (VCD/DVD rental) branch Panam, Pekanbaru and economic overview of Islam against it. Subjects were led (store manager) and its object is the implementation of risk management to business and economic review it. The study population was all employees of the company, amounting to 4 people, all of which were sampled (total sampling). The data used are primary data in the form of interviews, and secondary data from company documents related to the study. Data analysis was descriptive qualitative. The results indicate the implementation of risk management is done through planning and control are applied according to standard operating procedures that have been established by the parent company. Every year, the parent company sent audit teams into every branch Odiva throughout Indonesia. The lease transactions undertaken by the member (ijarah) are terms of benefits and meets the principles of syari'ah , which is free of gharar and maisir . Risk-managed companies are expected risk is not unexpected risk . Application of fines for members who are late in repayment acceptable to refer Imam Shafi'i opinion, Imam Ahmad and Imam Malik. Risk sharing principle put forward by the company in the process of risk management to control/mitigate the risks minus deposit balances held by the members, will not be considered detrimental to both parties.