Manajemen Risiko Investasi pada Kasus Penipuan dan Penyalahgunaan Dana Nasabah

Abstract

This research aims to examine how to manage investment risk in cases of fraud and unauthorized use of customer funds in financial institutions. Misuse of investment funds is a major problem that can cause the public to lose trust in financial institutions and lead to financial losses for customers. This research uses a descriptive qualitative approach, using literature review and case analysis methods, referring to various sources related to investment fraud practices and misuse of customer funds.

The results indicate that a lack of internal oversight, low transparency in fund management, inadequate application of prudential principles, and low levels of public financial literacy are the main causes of fraud and misuse of investment funds. Furthermore, inadequate risk management implementation makes it difficult for financial institutions to detect and prevent fraudulent activities. Therefore, steps need to be taken to mitigate these risks by strengthening internal control systems, improving monitoring, implementing digital security technology, and providing customers with an understanding of the various risks of investing.

This research is expected to contribute to financial institutions' efforts to improve the effectiveness of investment risk management, which will ultimately minimize the potential for fraud and maintain customer trust in investment services.