PENERAPAN MANAJEMEN RISIKO DALAM PENGADAAN UNDIAN BERHADIAH OLEH BANK SYARIAH DIKAITKAN DENGAN UNDANG-UNDANG NO. 21 TAHUN 2008 TENTANG PERBANKAN SYARIAH.

ABSTRACT
THE IMPLEMENTATION OF RISK MANAGEMENT OF LOTTERE ON ISLAMIC
BANK BASED ON REGULATION NUMBER 21 YEAR 2008 ABOUT ISLAMIC
BANKING
Lotteryisanactivitythat getsserious attentioninIslamic principles. In practice, it
takesconsiderableconsiderationandreviewof
thelawandthesharia.
Ongoing
activitiesundertakenlotteryIslamic
bankmakesthe
emergence
ofdoubtsandperceptionsof harmto thepublicnatureof theIslamic banks. It
alsoaffectsthe performance oftheexistingbankdirectlybehindrisk managementinthe
lotteryprogram.
The method usedin this studyis a descriptive analysis, throughanalysis, using
dataand theoriesrelating tothe implementation ofbanking. The approach
takenistonormativeresearch stagethroughlibrary research. Data analysiswas
conducted usingqualitativejuridicaldatahas beenanalyzed, torevealthe factthatthere
arecorrespondingresults of the study.
The results showedthat theactivities ofthe lotteryisa fairlyhigh riskactivityif
donebyanyinstitution,because the system is syubhat. Legality ofwhich has

beenobtainedfromthe
socialdepartmentcan
not
guarantee
thevalidity
ofshariaprogram, as well asperformance-related bankunit. Risk managementin the
programstill
needsa
lot
ofimprovementasyetmaximize
thereductionof
severalriskssuch
asreputation,
legal,
operational,
strategicsharia,
andshariacompliance.
Keyword : Islamic Banking, Sharia Principle, Lottere, Risk Management

v