Manajemen risiko merupakan serangkaian metode dan prosedur yang digunakan untuk mengidentifikasi, mengukur, melakukan mitigasi, memantau, dan mengendalikan risiko yang timbul dari seluruh kegiatan usaha bank. Pembiayaan modal usaha Tabarok merupakan pembiayaan yang dikeluarkan oleh PT BPRS Sarana Prima Mandiri yang diberikan kepada nasabah dengan menggunakan akad mudharabah untuk melakukan kegiatan usaha mikro kecil dan menengah (UMKM), yang diberikan tanpa menggunakan jaminan atau agunan. Tujuan pokok dalam penelitian ini untuk mengetahui POAC -Planning, Organizing, Actuating, dan Controlling manajemen risiko dalam memberikan pembiayaan modal usaha Tabarok di PT BPRS Sarana Prima Mandiri Pamekasan. Penelitian ini menggunakan pendekatan kualitatif dengan jenis penelitian deskriptif. Hasil penelitian menyatakan bahwa penerapan manajemen risiko pembiayaan modal usaha Tabarok di PT BPRS Sarana Prima Mandiri Pamekasan sudah cukup baik dengan cara melaksanakan empat fungsi manajemennya yaitu POAC -Planning, Organizing, Actuating dan Controlling.(Risk management is a series of methods and procedures used to identify, measure, mitigate, monitor and control the risks which arises from all bank business activities. Tabarok business capital financing is financing issued by PT BPRS Sarana Prima Mandiri and provided to customers who use mudharabah agreements that conduct micro and small business activities (MSMEs). It is provided without using collateral. The main objective in this study is to determine POAC -Planning, Organizing, Actuating, and Controlling risk management in providing Tabarok business capital financing in PT BPRS Sarana Prima Mandiri Pamekasan. This study uses a qualitative approach where the type is descriptive research. The results of the study stated that the application of risk management of Tabarok business capital financing in PT BPRS Sarana Prima Mandiri Pamekasan was quite good by carrying out its four management functions namely POAC -Planning, Organizing, Actuating, and Controlling.

Pembiayaan Tabarok (Tanpa Agunan dan Barokah) merupakan salah satu produk yang disalurkan oleh Bank Pembiayaan Rakyat Syariah SPM Pamekasan kepada masyarakat dengan menerapkan akad muḍārabah dan tanpa agunan dalam melaksanakan aktivitas UMKM. Sejak terjadi kasus Covid-19 (Corona Virus Disease- 19) yang semakin meluas di Indonesia menyebabkan lumpuhnya kondisi sosial dan ekonomi masyarakat. Tidak bisa dipungkiri bahwa hal tersebut akan sangat berpengaruh dan menyebabkan beberapa permasalahan khususnya dalam berbagai kegiatan sosial dan ekonomi. Hal tersebut juga akan berpengaruh terhadap kegiatan Perbankan Shariah, termasuk BPRS SPM Pamekasan yang akan dihadapkan dengan beberapa risiko dengan tingkatan kompleksitas yang berbeda-beda, hal tersebut akan terus berdampingan dengan kegiatan bisnis. Dengan demikian, suatu lembaga perlu melakukan implementasi manajemen risiko dengan tujuan untuk mencegah adanya risiko pembiayaan yang kemungkinan terjadi di kemudian hari. Tujuan dalam penelitian ini untuk mengetahui implementasi risk management pada pembiayaan Tanpa Agunan dan Barokah di BPRS SPM Pamekasan dengan menggunakan pendekatan kualitatif dan jenis penelitian studi kasus.  Hasil penelitian menyatakan bahwa, implementasi risk management pada pembiayaan Tabarok di BPRS SPM Pamekasan menggunakan 5 (lima) proses manajemen risiko, yaitu identifikasi risiko, pengukuran risiko, monitoring risiko, pengendalian risiko, dan penyelamatan risiko.

<em>This study aims to analyze Islamic insurance as a solution to crypto asset risk management. This study uses a descriptive approach, namely research that tries to describe and explain the data obtained with secondary data. This study uses a type of literature study research, namely the source of data obtained from literature studies and various kinds of literature in accordance with the theme of the discussion. The results of this study indicate that: first, the risks that occur in assets due to technology failure, system damage, hacking, loss of capital, fraud, malpractice, war risk, natural disasters, death, bankruptcy, sanctions, and non-compliance are included in the subjective risk classification. , objective and pure. Second, Islamic insurance schemes (takaful) are essential to be included in cryptocurrency risk management in order to increase public confidence in the market. The implications of this article can be considered for cryptocurrency transactions in accordance with Islamic sharia because the risks that will occur in crypto assets have been mitigated by the existence of a sharia insurance scheme (takaful).</em>

The article aims to determine the relationship between the Indonesian state and the Islamic economy related to the influence of the Indonesian government's Islamic political economy in the development of sharia economic practices in society, especially in the reform era. The research method used in this study is a qualitative approach with the type of library research. The data sources used are secondary data sources, obtained from the collection of documentation related to the development of Islamic economic politics in Islamic banking in the reform era in Indonesia. The data that has been collected is analyzed through content analysis and the validity of the data is checked through triangulation of secondary data sources. This article uses the political theory of Islamic economics in the reform era and the theory of the development of sharia banking regulations by Dr. Itang, M.Ag. This article finds that the influence of the State of Indonesia with its political economy oriented to the Islamic economic system in developing Islamic economic practices is very significant. This also shows that there is a rapid progress in the practice of Islamic economics, especially in the field of Islamic banking, which is increasingly attracting the whole community to invest in Islamic banking because the formal regulations are very clearly stated in the Act. In addition, the development of Islamic political economy has also greatly influenced the development of other non-banking Islamic financial institutions, such as sharia insurance, sharia capital markets, sharia bonds, sharia mutual funds, and Islamic microfinance institutions, and Islamic public finance after the Indonesian state supported them in many things, especially through formal regulation.

This research aims to describe and provide experiences related to developing open innovation in digital business models to support sustainable development goals (SDGs). The research method is a literature study with a content analysis approach. First, we conducted a literature search on Google scholar and analyzed it using a descriptive-analytical method: data reduction, data presentation, and concluding. Furthermore, the conclusions from the literature review are used for assessing the GoTo Group business model. Our study finds that the GoTo Group implementation framework for sustainable development goals exists in three pillars - GoGreener, GoForward, and go together.