Al Urwah : Sharia Economics Journal
Vol. 3 No. 2 (2025): Sharia Governance and Sustainable Finance

Risk Analysis in Sharia Investment Management for Sharia Deposit Products Sharia Deposits

Triwanda Aditiya (Unknown)
Pani Akhiruddin Siregar (Unknown)
Ahmad Afandi (Unknown)



Article Info

Publish Date
30 Sep 2025

Abstract

The development of Islamic banking in Indonesia has shown significant growth, with Islamic investment serving as a key pillar in strengthening the Sharia-based financial system. However, its implementation still faces challenges, including low Islamic financial literacy, limited product innovation, and the need to strengthen governance and risk management. This study aims to analyze the implementation of Islamic investment in Islamic banking by examining its principles, contracts, and challenges in supporting Sharia economic growth. The research employs a qualitative approach using a literature study method by reviewing and analyzing relevant scientific sources related to Islamic investment and banking practices. The results indicate that Islamic investment based on mudharabah, musyarakah, murabahah, and ijarah contracts plays an important role in improving Islamic banking performance, particularly when supported by technological innovation and adequate regulatory frameworks. In conclusion, strengthening financial literacy, enhancing product innovation, and improving governance are essential strategies to optimize Islamic investment and promote the sustainability of Islamic banking in supporting national economic development.

Copyrights © 2025






Journal Info

Abbrev

alurwah

Publisher

Subject

Religion Economics, Econometrics & Finance

Description

Al Urwah is a peer-reviewed journal that aims to advance islamic economies in emerging markets, namely economies in emerging countries and economies in emerging areas in developed countries. The scope of Al Urwah are but strictly limited to: Islamic Economics Sharia Accounting Zakat Management, ...