Manajemen Risiko Keuangan: Penelitian

Takdirmin; Hikmah Idris; Fifi Arfiani; Aqilah Salsabila

doi:10.31004/jerkin.v4i1.1140

Authors

Takdirmin Universitas Muhammadiyah Makassar
Hikmah Idris Universitas Muhammadiyah Makassar
Fifi Arfiani Universitas Muhammadiyah Makassar
Aqilah Salsabila Universitas Muhammadiyah Makassar

DOI:

https://doi.org/10.31004/jerkin.v4i1.1140

Keywords:

Management, Risk, Financial

Abstract

Financial risk management is a systematic process of identifying, measuring, analyzing, and controlling risks related to the financial aspects of a company or organization, with the aim of minimizing potential losses and maximizing profit opportunities. One of the main strategies in mitigating financial risk is diversifying sources of income. Dependence on a single source of funding, such as government funds, can become a serious concern when there are changes in policies or unstable economic conditions. To reduce this dependence, educational institutions can establish partnerships with private entities or set up school business units. The types of financial risk management are credit risk, market risk, operational risk, liquidity risk, legal risk, and equity risk. Educational institutions must be able to manage their budgets well to avoid wastage or imbalance in fund allocation. Educational institutions must be able to manage their budgets well to avoid wastage or imbalance in fund allocation. The rapid growth of risk management services indicates that management can increase company value by controlling financial risks. Therefore, financial managers are able to actively identify and manage the market risks they face.

References

Afkari, Sulistiyowati G., (2025). Manajemen Risiko Dalam Keuangan Lembaga Pendidikan: Strategi Mitigasi, Transparansi Anggaran, dan Keberlanjutan Finansial. Journal of Artificial Intelligence and Digital Businness (RIGGS).

Brigham, E. F., & Ehrhardt, M. C. (2014). Financial Management: Theory & Practice (14th ed.). South-Western Cengage Learning.

Brigham, E. F., & Houston, J. F. (2019). Fundamentals of Financial Management. Cengage Learning.

Culp, C. L. (2018). The Risk Management Process: Business Strategy and Tactics. John Wiley & Sons.

Damodaran, A. (2018). Strategic Risk Taking: A Framework for Risk Management. Pearson Prentice Hall.Deloitte. (2022). Global Risk Management Survey. Deloitte Touche Tohmatsu Limited.Djohanputro, B. (2019). Manajemen Risiko Korporat. Penerbit PPM.

Eckles, D. L., Hoyt, R. E., & Miller, S. M. (2018). The impact of enterprise risk management on the marginal cost of reducing risk: Evidence from the insurance industry. Journal of Banking & Finance, 43, 247-261.

Fahmi, I. (2018). Manajemen Risiko: Teori, Kasus, dan Solusi. Alfabeta.

Froot, K. A., & Stein, J. C. (2015). Risk Management, Capital Budgeting, and Capital Structure Policy for Financial Institutions: An Integrated Approach. Journal of Financial Economics, 47(1), 55-82.

Girling, P. X. (2019). Operational risk management: A complete guide to a successful operational risk framework. John Wiley & Sons.

Hery, (2015). Manajemen Risiko Bisnis Enterprise Risk Management. Grasindo: Jakarta.

Hull, J. C. (2018). Risk Management and Financial Institutions (5th ed.). Wiley.

Husnan, S. (2017). Dasar-dasar Manajemen Keuangan. UPP STIM YKPN.

Ikatan Akuntan Indonesia. (2017). Pernyataan Standar Akuntansi Keuangan 60: Instrumen Keuangan: Pengungkapan. Jakarta: IAI.

Irianto, Gugus., & Mirna Amirya (2024). Kendala dan Strategi Implementasi Manajemen Risiko di Pemerintah Daerah Indonesia. Ekuitas: Jurnal Pendidikan Ekonomi. Vol.12 No 2 Hal. 302-312.

ISO. (2018). ISO 31000:2018 Risk Management – Guidelines. International Organization for Standardization.

Jimenez, et al., (2024). Management of Strategic Risks for the Sustainability of SMEs in the Manufacturing Sector in Antioquia. Sustainability, 16(5), 2094.

Joesoef, J. R. (2019). Pasar Uang dan Pasar Valuta Asing. Salemba Empat.

Jorion, P. (2007). Financial Risk Manager Handbook. Wiley Finance.

Jorion, P. (2011). Financial risk manager handbook: FRM Part I/Part II (6th ed.). John Wiley & Sons.

Kaplan, R. S., & Mikes, A. (2016). Managing Risks: A New Framework. Harvard Business Review, 90(6), 48-60.

Linsley, P. M., & Shrives, P. J. (2014). Examining risk reporting in UK public companies. The Journal of Risk Finance, 6(4), 292-305.

Maharanie, Ade Kharisma., et al., (2022). Peran Identifikasi Resiko Terhadap Pengelolaan Keuangan di Yayasan TPQ Nurul Ikhlas. Jurnal PADMA Pengabdian Dharma Masyarakat. Vol.2 No.2.

Markowitz, H. (1952). Portfolio Selection. The Journal of Finance, 7(1), 77-91.

Meulbroek, L. K. (2012). Integrated risk management for the firm: A senior manager's guide. Journal of Applied Corporate Finance, 14(4), 56-70.

Meulbroek, L. K. (2018). Integrated Risk Management for the Firm: A Senior Manager's Guide. Journal of Applied Corporate Finance, 14(4), 56-70.

Nocco, B. W., & Stulz, R. M. (2016). Enterprise risk management: Theory and practice. Journal of Applied Corporate Finance, 18(4), 8-20.

Panggabean, Ira Sukma., et al., (2024). Analisis Manajemen Risiko Keuangan dan Tenaga Kerja Pada UMKM Mie Ayam Mbak Yummi Kota Medan. Jurnal Riset Ilmu Manajemen dan Kewirausahaan. Vol. 2 No.3 Hal. 251-270.

Putri, PA Andiena Nindya, et al., (2024). Manajemen Risiko Keuangan: Membangun Kesiapan dan Ketahanan Finansial Dalam Menghadapi Krisis dan Perubahan Ekonomi. Community Development Journal. Vol. 5 No 2 Hal. 3126-3132.

Rejda, G. E., & McNamara, M. J. (2014). Principles of Risk Management and Insurance (12th ed.). Pearson Education.

Ross, S. A., Westerfield, R. W., Jaffe, J., & Jordan, B. D. (2019). Corporate Finance. McGraw-Hill Education.

Salsabila, Raisha., et al. (2024). Analisis Strategi Manajemen Risiko Dalam Menghadapi Ketidakpastian Bisnis. Departemen Ekonomi dan Manajemen Cahaya Ilmu Bangsa Musytari.

Sari, D. P., Oktavia, R., & Wijaya, A. (2019). Implementasi manajemen risiko pada UMKM di Indonesia: Tantangan dan peluang. Jurnal Riset Akuntansi dan Keuangan, 7(2), 380-393.

Sartono, A. (2018). Manajemen Keuangan: Teori dan Aplikasi. BPFE-Yogyakarta.

Smithson, C. W., & Simkins, B. J. (2015). Does Risk Management Add Value? A Survey of the Evidence. Journal of Applied Corporate Finance, 17(3), 8-17.

Stulz, R. M. (2015). Risk-taking and risk management by banks. Journal of Applied Corporate Finance, 27(1), 8-18.

Stulz, R. M. (2016). Risk Management and Derivatives. Cengage Learning.

Surya, Ade. et al., (2025). Manajemen Risiko Investasi dan Keuangan. Widina Media Utama: Bandung.

Tampubolon, M. P. (2020). Manajemen Keuangan (Finance Management). Mitra Wacana Media.

Tandelilin, E. (2010). Portofolio dan Investasi: Teori dan Aplikasi. Yogyakarta: Kanisius.

Verma, J. C. (2017). Risk Management. Taxmann Publications.

Wibowo, A., & Kholid, M. (2017). Penerapan manajemen risiko keuangan di Indonesia: Studi kasus pada perusahaan publik sektor manufaktur. Jurnal Akuntansi dan Manajemen Bisnis, 5(3), 178-192.