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All Journal Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Jurnal Manajemen Inovasi MALIA Widya Balina :Jurnal Ilmu Pendidikan dan Ekonomi Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) International Journal of Economics and Management JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Agrifo: Jurnal Agribisnis Universitas Malikussaleh Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan
Putra, Yunanda Eka
Departemen Manajemen, Universitas Syiah Kuala
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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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.
Co-Authors Akman Daulay Andri Soemitra Gustarina, Elina Rahmawati Humaira, Rafiqah Ihsan Effendi Iskandar Muda Lubis, Farida Khairani M Shabri Abd Majid Marliyah Mukhlis Yunus Puji Wahyu Mulyani Rizky Surya Andhayani Nasution Santi Arafah Saparuddin Siregar Sri Liniarti Sugianto Sulaiman Sulaiman Wardyatul Fuady Harahap Yenni Samri Juliati Nasution Yuliana Kansrini Yusrizal