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All Journal Al-Sharf: Jurnal Ekonomi Islam
Fahrezi, Niko Faiz
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Economics, Econometrics & Finance

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Mitigation Strategies and Moral Hazard Risk Management in Sharia Financial Institution Financing Contracts Fahrezi, Niko Faiz; Hamka, Khairul Aksan
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 3 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i3.12689

Abstract

This study aims to analyze mitigation strategies and moral hazard risk management in Islamic financial institution financing, with a particular focus on mudharabah contracts. Moral hazard often arises from information asymmetry between banks as shahibul maal and customers as mudharib, creating opportunities for financial statement manipulation, fund misuse, and profit concealment. The research applies a qualitative method through library research by reviewing academic literature on Islamic financing contracts, risk, and control strategies. The findings reveal that risk mitigation is implemented through proactive measures, including screening, data verification, 5C and 6A analysis, and prudential principles, as well as reactive measures such as monitoring, supervision, and the application of sharia-based sanctions.
Co-Authors Hamka, Khairul Aksan