Manajemen Risiko pada Badan Amil Zakat Nasional (BAZNAS)

Abstract

Risk occurs at any organization or business activity. It also does not close the possiblility of risk occurs at amil institutions. Types of risk are likely to happen often at amil institutions, namely risk on zakat fund collection, risk on zakat fund management, and risk on zakat fund distribution. Basically, zakat distribution must comply with the 8 ashnaf as written in the QS. At-Taubah: 60. This research was conducted on BAZNAS. The aim of this research is to help amil institutions in managing the possibility of risk, analyze the factors that effect the risks, do the risks mapping on zakat fund collection, zakat fund management, and zakat fund distribution, and also make mitigation to minimize the occurrence of the risks. The data was collected by using the survey method in internal BAZNAS and using ERM method for analysis.Abstrak. Risiko terjadi pada setiap organisasi atau kegiatan bisnis, hal ini pun tidak menutup kemungkinan terjadi risiko pada lembaga amil. Jenis risiko yang kemungkinan sering terjadi pada lembaga amil, yaitu risiko pada pengumpulan dana zakat, risiko pada pengelolaan dana zakat, dan risiko pada pendistribusian dana zakat. Pada dasarnya penyaluran zakat harus sesuai dengan 8 ashnaf seperti yang tertulis dalam QS. At-Taubah: 60. Penelitian ini bertujuan untuk membantu lembaga amil dalam mengelola kemungkinan terjadinya risiko. Penelitian ini dilakukan pada BAZNAS dan bertujuan menganalisis faktor-faktor penyebab terjadinya risiko, melakukan pemetaan risiko pada pengumpulan dana zakat, pengelolaan dana zakat, dan pendistribusian dana zakat, serta melakukan mitigasi untuk meminimalisir terjadinya risiko. Data dikumpulkan dengan menggunakan metode survey terhadap internal BAZNAS dan analisis menggunakan metode ERM.Kata kunci: BAZNAS, ERM, manajemen risiko, manajemen zakat, zakat

Analysis of Risk Management at Baznas in DIY with Enterprise Risk Management (ERM) Approach

“…Monitoring enables us to observe the performance, target, and achievement of a program. A similar argument is stated by Triyani, Beik and Baga [14]…”

“…The research argues that the potential risks in BAZNAS are divided into four categories i.e. unacceptable risk (14), undesirable risks (33), acceptable risks (13), and negligible risks (0). The responses to the unacceptable risks are risk avoidance or risk transfer.…”

“…Meanwhile, the advised response to the undesirable risk is reducing the risk, and that to the acceptable risk is constant supervision to prevent the transformation of the risk into a high risk. [14] Dyarini and Jamilah (2017) also conduct similar research entitled Manajemen Risiko Pengelolaan Zakat. The research clarifies that zakat risk management should concern the operational procedures and be equipped with intelligible and structured indicators, such as the indicators regarding mustahiq, poverty limit, effectiveness, and efficiency.…”

Penguatan Karakteristik SDM dalam Implementasi Manajemen Berbasis Risiko di Lazis Muhammadiyah (LazisMu) Kabupaten Malang

“…Dengan demikian diharapkan lembaga zakat seperti LazizMu di Kabupaten Malang dapat melakukan analisis manajeman untuk menilai risiko-risiko yang mungkin akan terjadi pada sebuah lembaga zakat mulai dari kegiatan mengumpulkan dana zakat hingga pengelolaan dan distribusi dana zakat. Risiko tersebut dapat ditafsirkan sebagai sebuah peluang untuk sesuatu hal yang tidak di inginkan dan memungkinkan akan terjadinya hal negatif [6]. Manajemen risiko berperan penting pada kegiatan operasional LazizMu di Kabupaten Malang mengingat manajemen risiko dapat memberikan pengaruh pada kualitas manajemen di masa yang akan datang.…”

Analysis of the Effectiveness of Zakat Distribution at the Amil Zakat Institution Initiative Zakat Indonesia (LAZ IZI)

“…The word Zakat means al-barakatu (blessings), an-namaa (growth and development), aththaharatu (holiness), and ash-shalahu (success) (Dhaif, 2011), Hafidhuddin (2002), [18], blessings, clean, developed and useful [9]. Furthermore, the meaning of Zakat according to the term is a certain amount of property which is obliged by Allah to be handed over to the person entitled to receive it, in addition to means spending a certain amount itself (Qardhawi; (Deni Lubis, 2018), is given to those who have the right to receive it according to the provisions stipulated by Islam which according to Ibn Taymiyyah, the hearts and assets of those who pay Zakat become pure and clean and develop meaningfully (Chaniago, 2015), [9].…”