<![CDATA[Abstract. This study aims to analyze the effect of Murabahah Financing Margin Information Transparency on Customer Trust through Perceived Fairness as a mediating variable among Sharia Mortgage (KPR Syariah) customers at Bank Syariah Indonesia (BSI) KCP Bandung Dago. The study was motivated by the increasing number of Sharia Mortgage customers, which has not been fully accompanied by customers' understanding of murabahah financing margin components, potentially affecting perceived fairness and customer trust. This study employed a quantitative method with an associative approach. The population consisted of 260 active Sharia Mortgage customers, with a minimum sample of 73 respondents determined using the Slovin formula, while 88 valid questionnaires were analyzed. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0. The results indicate that Murabahah Financing Margin Information Transparency has a positive and significant effect on Customer Trust (0.460) and Perceived Fairness (0.608). Perceived Fairness also has a positive and significant effect on Customer Trust (0.389) and partially mediates the effect of transparency on trust (0.236). These findings confirm the importance of margin information transparency in strengthening perceived fairness and customer trust in Islamic banking. Abstrak. Penelitian ini bertujuan menganalisis pengaruh Transparansi Informasi Margin Pembiayaan Murabahah terhadap Kepercayaan Nasabah melalui Persepsi Keadilan sebagai variabel mediasi pada nasabah KPR Syariah Bank Syariah Indonesia (BSI) KCP Bandung Dago. Penelitian dilatarbelakangi oleh meningkatnya jumlah nasabah KPR Syariah yang belum sepenuhnya diiringi pemahaman mengenai komponen margin pembiayaan murabahah, sehingga berpotensi memengaruhi persepsi keadilan dan kepercayaan nasabah. Penelitian menggunakan metode kuantitatif dengan pendekatan asosiatif. Populasi berjumlah 260 nasabah aktif, dengan sampel minimum 73 responden berdasarkan rumus Slovin, sedangkan data yang diolah berasal dari 88 kuesioner valid. Analisis dilakukan menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM) dengan SmartPLS 4.0. Hasil penelitian menunjukkan bahwa Transparansi Informasi Margin Pembiayaan Murabahah berpengaruh positif dan signifikan terhadap Kepercayaan Nasabah (0,460) dan Persepsi Keadilan (0,608). Persepsi Keadilan juga berpengaruh positif terhadap Kepercayaan Nasabah (0,389) serta memediasi secara parsial pengaruh transparansi terhadap kepercayaan (0,236). Temuan ini menegaskan pentingnya transparansi informasi margin dalam meningkatkan persepsi keadilan dan kepercayaan nasabah pada perbankan syariah.]]>
