ANALISIS STRATEGI PENGELOLAAN LIKUIDITAS UNTUK MENJAGA STABILITAS PEMBIAYAAN PADA BANK SYARIAH

Abstract

This study aims to analyze liquidity management strategies in maintaining financing stability in Islamic banks in Indonesia. Liquidity management plays a crucial role in ensuring operational sustainability and financial performance, especially amid fluctuations in third-party funds and increasing real-sector financing demand. The research employs a qualitative descriptive approach with case studies on several Islamic commercial banks. Data were collected from financial reports, publications from the Financial Services Authority (OJK), and in-depth interviews with Islamic banking practitioners. The findings reveal that effective liquidity strategies involve a combination of liquid asset management, funding source diversification, and optimization of Islamic money market instruments. Moreover, the implementation of prudential principles and the supervision of the Sharia Supervisory Board are essential in maintaining Sharia compliance and financing stability. The study recommends enhancing Sharia-based liquidity product innovation and strengthening internal policies to balance profitability and liquidity.