Al-Sharf: Jurnal Ekonomi Islam
Vol 6, No 3 (2025)

Mitigation Strategies and Moral Hazard Risk Management in Sharia Financial Institution Financing Contracts

Fahrezi, Niko Faiz (Unknown)
Hamka, Khairul Aksan (Unknown)



Article Info

Publish Date
27 Oct 2025

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.

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Journal Info

Abbrev

Mudharib

Publisher

Subject

Economics, Econometrics & Finance

Description

Al-Sharf: Journal of Islamic Economics published by the Rahmat Islamiyah Foundation, Medan, Indonesia. In this journal the articles contain articles about the fields of Islamic scientific research and Islamic education. Al-Sharf: Journal of Islamic Economics received manuscripts in the field of ...