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All Journal ISTIKHLAF: Jurnal Ekonomi, Perbankan & Manajemen Syariah
A.Fitri Indar Dewi
Institut Agama Islam Negeri (IAIN) Bone
Religion Economics, Econometrics & Finance Education Library & Information Science Social Sciences

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Pengaruh Manajemen Risiko terhadap Kelancaran Pembiayaan Murabahah Kendaraan Bermotor di Kabupaten Bone A.Fitri Indar Dewi; Rina Novianty; Masyhuri
ISTIKHLAF: Jurnal Ekonomi, Perbankan dan Manajemen Syariah Vol. 8 No. 2 (2026): (September 2026)
Publisher : Institut Agama Islam Yasni Bungo Jambi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51311/istikhlaf.v8i2.1645

Abstract

This study focuses on analyzing the effect of risk management implementation on the smoothness of murabahah financing among motor vehicle financing customers in Bone Regency. A quantitative approach with a survey research design was employed. The study population consisted of all motor vehicle financing customers using murabahah contracts, while the sample comprised 68 respondents selected through purposive sampling based on predetermined criteria. Data were collected using a structured questionnaire developed according to the indicators of each research variable. Prior to the analysis, the research instrument was tested for validity and reliability to ensure data quality. Hypothesis testing was subsequently conducted using simple linear regression analysis with the assistance of SPSS software. The findings reveal that risk management has a positive and significant effect on the smoothness of murabahah financing, as evidenced by the partial (t-test) results with a significance value of less than 0.05, indicating that the research hypothesis is accepted. The relationship between the two variables is classified as very strong, as reflected by the correlation coefficient (R) of 0.835. Furthermore, the coefficient of determination (R²) of 0.698 indicates that risk management explains 69.8% of the variation in the smoothness of murabahah financing, while the remaining 30.2% is influenced by other factors outside the research model. The Adjusted R Square value of 0.693 and the Standard Error of the Estimate of 4.819 indicate that the regression model has good explanatory accuracy. Therefore, the more effective the implementation of risk management, the greater the likelihood of achieving smoother murabahah financing among motor vehicle financing customers.
Co-Authors Masyhuri Rina Novianty