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All Journal JAKPI Al-Ulum AKSES: Jurnal Ekonomi dan Bisnis Politeia: Jurnal Ilmu Politik TAZKIR: Jurnal Penelitian Ilmu-ilmu Sosial dan Keislaman At-Tawassuth: Jurnal Ekonomi Islam MALIA Istinbath: Jurnal Hukum dan Ekonomi Islam Jurnal Penelitian Ekonomi Akuntansi (JENSI) Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences International Journal of Health, Economics, and Social Sciences (IJHESS) JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Proceeding International Seminar of Islamic Studies Jurnal Ekonomi Bisnis dan Akuntansi Jurnal SALMAN : Sosial dan Manajemen Journal of Islamic Economics and Business Jurnal Kendali Akuntansi Jurnal Riset Ekonomi dan Akuntansi Journal of Management, Economic, and Accounting INOVASI: Jurnal Politik dan Kebijakan Muqaddimah: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis IIJSE Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies Scripta Economica: Journal of Economics, Management, and Accounting Jurnal At-Tanmiyah Ekonomi dan Bisnis Islam
Saparuddin Siregar
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Physics Public Health Social Sciences Other

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Factors Influencing Customer Risk Perception of iB Mudharabah Deposits at PT. Bank Sumut KCPSy Hamparan Perak Santi Arafah; Yunanda Eka Putra; Saparuddin Siregar; Sugianto
MALIA: Jurnal Ekonomi Islam Vol 17 No 1
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/9ym2sa72

Abstract

Purpose: This research examines the effect of Sharia financial literacy, trust, and transparency on customer risk perception of iB Mudharabah deposit products at PT Bank Sumut KCPSy Hamparan Perak. Design/Methodology/Approach: A quantitative cross-sectional approach was applied using questionnaires distributed to 100 iB Mudharabah deposit customers selected through purposive sampling. Data were measured using a five-point Likert scale and analyzed using SEM-PLS, including outer and inner model testing. Findings: Sharia financial literacy, trust, and transparency have a positive and significant effect on customer risk perception. The adjusted R-square value of 0.670 indicates that 67% of the variation in risk perception is explained by these variables. Practical Implications: The findings suggest that customer-based risk mitigation requires strengthening Sharia financial literacy, enhancing trust, and ensuring transparency in mudharabah deposit products. Originality/Value: This research contributes to Sharia banking literature by highlighting customer risk perception in regional Sharia banks and emphasizing behavioral and relational factors in mudharabah-based risk management.
BANJIR SUMATERA 2025: REFLEKSI MAQĀṢID SYARĪ‘AH DALAM PENGELOLAAN HUTAN DAN KONSEKUENSI EKONOMI EKSPLOITASI Hilyati Inayah Siregar; Saparuddin Siregar
At-Tanmiyah Jurnal Ekonomi dan Bisnis Islam Vol 5 No 1 (2026): Juni, At-Tanmiyah: Jurnal Ekonomi dan Binis Islam
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Islam (STEBIS) Al-Ulum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65778/atjebi.v5i1.102

Abstract

The 2025 flood disaster in Sumatra represents not only an environmental crisis but also a systemic failure in sustainable forest governance and ethical resource management. This study investigates the root causes of the flood by integrating the Islamic normative framework of Maqāṣid al-Sharī‘ah with contemporary ecological and economic analyses. Through qualitative methods—including normative analysis, policy review, and case comparisons with Malaysia and Morocco—this research demonstrates that deforestation, weak regulatory enforcement, and extractive economic policies have collectively violated key maqāṣid principles, particularly the preservation of life (ḥifẓ al-nafs), wealth (ḥifẓ al-māl), and progeny (ḥifẓ al-nasl). The study further explores the economic consequences of environmental exploitation and evaluates the untapped potential of Islamic financial instruments such as zakat, waqf, and green sukuk in post-disaster rehabilitation and environmental recovery. Findings highlight the urgent need to institutionalize maqāṣid-based governance in Indonesia’s forest and disaster management frameworks. This paper proposes actionable policy recommendations and underscores the role of Islamic ethics in shaping future ecological resilience
Co-Authors Ade Khadijatul Z. Hrp Ahmad Aswan Waruwu Ahmad Harun Daulay Ahmad Qorib Akmal Al-Ghifari, Abu Dzar Amin Al Jawi Aminah Lubis Amiur Nuruddin Aqwa Naser Daulay Arif Fauzan Armansya Walian Arsyadona Arsyadona Asmiwarti Asmiwarti Asmuni Asmuni Atika Atika Aulia Wardhana Azwansyah Habibie, Azwansyah Bi Rahmani, Nur Ahmadi Bunga Dwi Fani Ritonga Burhanuddin Burhanuddin Catur Hayati Wulandari Dahrul Siregar Defi Rahayu Dewi Sundari Dhea Putri Andini Didik Gunawan Dini Yunila Tanjung Edi Faisal Harahap Erina Yasmin Faisar Ananda Faisar Ananda Arfa Fakrurradhi Fakrurradhi Fitri Handayani Sitorus Fitrianingsih Fitrianingsih Hastuti Olivia Hidayati Siregar Hilyati Inayah Siregar Husni Pasarela I Ketut Suada Irna Meutia Sari Iskandar Iskandar Ismail, Abdurrozzaq Isnaini Harahap Jannah, Nurul Kayla Zahara Putri Nasada Khairani Khairani Khairul Hasanah Lidiya Uzmasyah M Ridwan M, Ridwan M. Yasir Nasution Marliyah Marliyah Maryam Batubara Muhammad Dhio Natama Harahap Muhammad Lathief Ilhamy Nasution Muhammad Nasrullah Muhammad Reza Muhammad Rifky Santoso Muhammad Rizal Muhammad Sadri Nanda Safarida Ngatno Syahputra Nurhayati Nurul Aini Siregar Nurul Inayah Putra, Yunanda Eka Rafia Hafni Harahap Rahmat Rahmi Pamela Putri Rianto, Hartato Rifqiyati Putri Rizqia Humaira Nasution Rukiah Rukiah Santi Arafah SARWOTO SARWOTO Selly Febriana SRI RAHAYU Sri Wahyuni Sugianto Sugianto Sugianto Suginam Syafrizal, Rodi Tasya Rahma Dayani Pohan Teti Tri Astuti Jusasni Tri Auri Yanti Tuti Anggraini Wahyu Syarvina Wahyuni Syahfitri Willy Romadon Dalimunthe Yenni Samri Juliati Nasution Yenni Samri Juliati Nst Yuli Ekawati Yunda Herliana Zainal Arifin Zakaria Zen, M. Afif Shahputra