Turnitin Proceeding ICIIS-SSH : Liquidity Management of Islamic Banking (The interpretive study of Islamic Bank in maximizing asset portfolio and efficiency)

BINTI NUR ASIYAH, 198008112011012007 and Amin Wahyudi, - (2018) Turnitin Proceeding ICIIS-SSH : Liquidity Management of Islamic Banking (The interpretive study of Islamic Bank in maximizing asset portfolio and efficiency). IAIN Tulungagung, Tulungagung.

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Abstract

This paper is based on the dynamics of Islamic banks in managing operations. Islamic banks are required to be able to run a healthy operation. The Islamic Bank ensures that there is sufficient funding, low cost and has a smooth and profitable of asset portfolio. However, Islamic banks are required to meet both short-term and long-term liabilities. This condition requires good management so that the objectives of Islamic banks are achieved, and the operation runs smoothly. This paper is analyzed by a qualitative approach with the type of interpretive research. The interpretive type is intended to interpretation data of liquidity management. The results of this paper are first, liquidity is managed effectively and efficiently by maintaining High Quality Liquid Asset (HQLA) with cash ratio instruments, placing surplus funds into SBIS, FASBIS, PUAS, SBSN or exploring sources of funds in PUAS and FPJPS. Second, Liquidity management must be balanced with asset portfolio management so that it will have a positive impact on the achievement of operating income and efficiency. This paper is expected to give thought to the manager of Islamic Bank to always maximize the management of liquidity, assets and efficiency so that profitability can be achieved.

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