the article aims to analyze the legal implications of changing regulation upon EIAs requirement on the ease of business licensing in licenses based on commitments though Online Single Submission towards the application of the principle of sustainable financing and the juridical consequences of the use of licenses based on commitments in the approval of bank credit. With the requirement of EIAs as a fulfillment towards the commitments that are prerequisite of business licenses in the OSS GR, banks gain the challenge of adjusting their approach towards the gaining of profits from long term investments depends on a sustainable future, specifically in the administering of credits by banks. This provision impacts the application of the principle of sustainable financing. This could boost investment within Indonesia, on the other hand, it also has the potential to prompt legal risks that is the revocation of business licenses towards actors that had failed to fulfill business license commitments under GR OSS. One of the forms of said change is the absence of an obligation to conduct EIAs as a basic requirement to acquire a business license. The application of licenses based on commitments as a part of ease of doing business has shifted the obligations present for business actors. But, because they have to abide by the rules of Sharia, the risks faced by Islamic banks had to be different. Credit risk, market risk, benchmark risk, operational risk, liquidity risk, and legal risk, Islamic banks must be faced. Ie the same risks faced by conventional banks and the risk that is unique because it must follow the principles of sharia. In general, the risks faced by Islamic banking can be classified into two major parts.
This paper gives an overview of how risk management in Islamic banking. Whereas players in the world and national banking business not only conventional banks, but has also been enlivened by banks with Islamic principles that number continues to increase from year to year. In the context of risk management, the guidelines were implemented over the years, made only for conventional banks. The company managers are increasingly recognizing the importance of risk management. Research and experience over the last two decades has resulted in a deep understanding of issues relating to risk management and the principles of a well established risk faced by management.
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