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All Journal Al-Kharaj: Journal of Islamic Economic and Business Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Miftahul Janna Ritonga
Universitas Islam Negeri Sultan Syarif Kasim Riau
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Akad dalam Transaksi Keuangan Syariah Miftahul Janna Ritonga; Khoirudin; Muhammad Albahi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 6 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i6.8065

Abstract

In the Islamic financial system, akad (contract) serves as a legal foundation that distinguishes Islamic financial practices from conventional systems. An akad is not merely a contractual agreement but also reflects fundamental Sharia principles such as justice, transparency, and mutual assistance. This study aims to examine the concept of akad in Islam, the types of akad used in Islamic financial transactions, and the challenges of its implementation in Islamic financial institutions. Using a qualitative approach based on literature review, the study concludes that proper understanding and application of akad play a crucial role in maintaining the integrity and public trust in the Islamic financial system. Therefore, improving financial literacy and strengthening regulations are essential steps to support the development of a fair and sustainable Islamic economic system
The Influence of Sharia Financial Literacy, Gold Price Fluctuations, Risk Perception and Culture on Customer Decisions to Choose Gold Installments at Bank Syariah Indonesia KC Padangsidimpuan Miftahul Janna Ritonga; Leny Nofianti; Hariza Hasyim
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countrie
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.11510

Abstract

This study aims to analyze the influence of Islamic financial literacy, gold price fluctuations, risk perception, and culture on customers’ decisions to choose gold installment products at Bank Syariah Indonesia KC Padangsidimpuan. The study was motivated by the increasing use of gold installment products despite fluctuations in gold prices, as well as the strong cultural values that influence gold ownership within the community. This research employed a quantitative approach with a sample of 213 customers selected through purposive sampling from a population of 475 gold installment customers in 2025. Data were collected using questionnaires and analyzed through multiple linear regression with the assistance of SPSS Statistics 25. The results indicate that Islamic financial literacy, risk perception, and culture have a positive and significant effect on customers’ decisions, while gold price fluctuations have a positive but insignificant effect. Simultaneously, all independent variables significantly influence customers’ decisions to choose gold installment products. These findings suggest that customers’ decisions are influenced not only by economic and financial considerations but also by risk perceptions and cultural values embedded in society.
Co-Authors Hariza Hasyim Khoirudin Leny Nofianti Muhammad Albahi