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Contact Name
Rahmawati
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tijarah@iainlhokseumawe.ac.id
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+6285260015299
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tijarah@iainlhokseumawe.ac.id
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2nd Floor - Faculty of Islamic Economics and Business Jl. Medan-Banda Aceh, Km. 275 No. 1 Buket Rata, Alue Awe Kecamatan Muara Dua, Kota Lhokseumawe, Provinsi Aceh. Kode Pos 24351
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Kota lhokseumawe,
Aceh
INDONESIA
AT-TIJARAH: Journal Islamic Banking and Finance Research
ISSN : 27215482     EISSN : 27455696     DOI : https://doi.org/10.52490/attijarah.
Core Subject : Economy,
This journal publishes research results conceptually and technically related to the scope of Islamic Economics with a concentration in the field of Islamic Banking and Finance.
Articles 48 Documents
ANALYSIS OF THE FACTORS AFFECTING STUDENTS’ INTEREST IN A CAREER IN SYARIAH BANKING Kustina, Yeni; Hermawan Adinugraha, Hendri
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 6 No. 1 (2024): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v6i1.2578

Abstract

The large number of graduates of the Sharia Banking Study Program who need to be more absorbed in the world of work according to their field of expertise is the core problem in this research. This research intends to analyze in depth the factors that influence students’ interest in pursuing a career in Sharia banking, a study on students of the Sharia Banking Study Program at UIN K.H. Abdurrahman Wahid Pekalongan. The method used in this research is a quantitative approach with an associative type. This research was conducted in the Sharia Banking Department, Faculty of Islamic Economics and Business, UIN K.H. Abdurrahman Wahid Pekalongan. This research will take place in 2023. The population of this research is active students of the Sharia Banking Department, UIN K.H. Abdurrahman Wahid, class of 2018-2020, with a total of 408 students. Sampling used a purposive sampling technique. The sample criteria selected were active students from Class 2018-2020, Department of Sharia Banking, UIN K.H. Abdurrahman Wahid Pekalongan, who have carried out Field Experience Practices at Sharia Financial Institutions totaling 80 students. The data collection technique uses a questionnaire. Data analysis methods use instrument tests (validity tests and reliability tests), classical assumption tests (data normality tests and multicollinearity tests), heteroscedasticity tests, multiple linear regression tests, and hypothesis tests (t-test (partial); f test (simultaneous); and determinant coefficient test (R2)). This research concludes that partial self-efficacy, financial appreciation, and social values ​​positively and significantly affect students’ interest in pursuing a career in Sharia banking. Job market considerations partially do not have a positive and significant effect on students’ interest in pursuing a career in sharia banking. Based on the results of the F test, it is stated that the variables of self-efficacy, financial rewards, and job market considerations simultaneously have a positive and significant effect on students’ interest in pursuing a career in Sharia banking.
ANALYSIS OF INVESTOR BEHAVIOR IN THE ETHICAL REVIEW OF SHARIA ECONOMIC LAW Mubarok, Anas Bayan; Nurjaman, Muhamad Izazi
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 6 No. 1 (2024): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v6i1.2803

Abstract

This research aims to analyze investor behavior in reviewing the ethics of sharia economic law. This research includes library research using descriptive analytical research methods with a qualitative approach. The data analysis technique is carried out in three stages, namely data reduction, data presentation and conclusions. The results of this research reveal that in securities trading on the Sharia Capital Market it is still possible for behavior or actions to occur that violate professional ethics and existing rules. The two main actors who play a role in securities trading practices in the Sharia Capital Market are the behavior of issuers and investors. There are several deviant activities in securities trading practices in the Sharia Capital Market, namely: first, Fraud, this fraudulent act can include the behavior of Misleading information, Pooling interest, and Alternate trade. Second, market manipulation, including the practice of: Wash sale, Pre-arrange trade, Pump and Dump, Hype and Dump, Creting fake demand/supply), Cornering, and Marking at the close. Third, the use of insiders can be in the form of insider trading and front running. Some of these investors' behavior is not in accordance with the ethics of the sharia economics profession which can lead to unhealthy sharia capital market business behavior.
DIGITAL FINANCIAL LITERACY AMONG RECIPIENTS OF THE FAMILIY HOPE PROGRAM ASSISTANCE FUNDS safarida, nanda; jannah, raudhatul; noviandy
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 6 No. 1 (2024): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk mengetahui tingkat literasi dan efektifitas penerapan digital finance pada masyarakat penerima manfaat Program Keluarga Harapan (PKH). Metode penelitian yang digunakan dalam penelitian ini adalah dengan pendekatan deskriptif kualitatif. Penelitian ini adalah jenis penelitian lapangan (field research) dengan teknik pengumpulan data dilakukan dengan observasi dan wawancara dengan Kepala Desa Meunasah Teungoh, sembilan orang orang penerima manfaat PKH di Gampong Meunasah Teungoh dan satu orang Pendamping PKH. Hasil penelitian menunjukkan bahwa masyarakat penerima manfaat PKH belum memiliki literasi digital finance yang memadai. Hal tersebut terutama ditunjukkan pada tahap pencairan dana bantuan. Dalam proses pencairan dana PKH yang dilakukan setiap 3 bulan sekali atau 4 kali pencairan dalam setahun, penerima manfaat PKH sama sekali tidak pernah melakukan transaksi melalui mesin ATM dan tidak pernah berhubungan langsung dengan pihak Bank. Ini terjadi karena adanya keringanan untuk dapat diwakilkan kepada pihak lain yang dalam hal ini sering dipercayakan kepada pendamping PKH. Akibatnya penerima dana bantuan PKH sangat bergantung pendamping PKH. Peraturan dan kebijakan pemerintah terhadap penyaluran dana bantuan PKH melalui bank dan keberadaan pendamping PKH merupakan salah satu upaya untuk literasi digital finance kepada masyarakat penerima bantuan PKH. Namun, di lain pihak keringanan yang diberikan melalui pencairan dengan perwakilan kepada pihak lain dan kurangnya sosialisasi penggunaan digital finance berakibat pada tidak efektifnya penerapan digital finance pada masyarakat penerima bantuan sosial PKH di Gampong Meunasah Teungoh.
OPTIMIZATION OF QARD FINANCING IN MICRO BUSINESS DEVELOPMENT AT BWM AL-ANSHOR PEDULI AMBON Holle, Mohammad H; Warang, Japri Yusrifal
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 6 No. 1 (2024): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v6i1.3265

Abstract

The research aims to determine the optimization of qard financing in the development of micro businesses at the Al-Anshor Peduli Ambon Micro Waqf Bank. This research uses field studies with a case study approach. The data collection technique uses observation, interviews and documentation. Data is collected then processed and analyzed using a descriptive-qualitative mindset with a deductive nature. Research results: 1. Optimization of qard financing at the Al-Anshor Peduli Ambon Micro Waqf Bank was carried out in groups consisting of 15-25 members. These business actors then apply for financing in the form of loans with a value of IDR 1 million up to a maximum limit of IDR 3 million without any collateral or collateral. This financing is then tied into a contract or financing agreement called qard. To overcome bottlenecks, member financing installments are carried out jointly. 2. Qard financing at the Al-Anshor Peduli Ambon Micro Waqf Bank has had a positive impact on business development for micro business actors who take out this financing. Either to add working capital to cover the lack of funds needed by customers or to start a business or in order to develop the business of micro business actors in the city of Ambon using qard contracts.
ANALYSIS OF THEORY OF PLANNED BEHAVIOR ON INTEREST IN PRODUCT LABELIZATION ON THE BEHAVIOR OF MEAT TRADERS IN TIMUR ACEH DISTRICT fuadi, fuadi; Fahnora Liza; Falahuddin; M.Nur, Muklish; Ramadhan
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 6 No. 1 (2024): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v6i1.3267

Abstract

Penelitian ini bertujuan untuk mengetahui minat pedagang daging dalam melakukan labelisasi halal dengan menggunakan Theory of Planned Behavior (TPB). Teknik pengambilan sampel menggunakan teknik sensus sampling. Jumlah sampel sebanyak 30 pedagang yang berada di Kec. Aceh Timur. Data penelitian dianalisis dengan menggunakan PLS-SEM (Partial Least Square – Structural Equation Modeling) dengan perangkat lunak SmartPLS 4. Hasil penelitian menunjukkan bahwa Sikap (X1) berpengaruh positif dan signifikan terhadap minat penglabelisasian produk pada perilaku pedagang daging di Kec.Aceh Timur, Norma Subyektif (X2) berpengaruh positif dan signifikan terhadap minat penglabelisasian produk pada perilaku pedagang daging di Kec.Aceh Timur, dan Kontrol Perilaku (X3) tidak berpengaruh positif dan signifikan terhadap minat penglabelisasian produk pada perilaku pedagang daging di Kabupaten Aceh Timur.
SWOT ANALYSIS OF EASY WADI'AH SAVINGS PRODUCTS AT BANK SYARIAH INDONESIA (BSI) RADEN FATAH BRANCH BATAM Aslina, Neri; Maggangka, Mursalin; Iqbal Azhari , Muhammad; Akmal, Randi
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 6 No. 1 (2024): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v6i1.3287

Abstract

This research aims to analyze the strengths, weaknesses, opportunities and threats of the Easy Wadi'ah savings product at Bank Syariah Indonesia (BSI) Raden Fatah Batam Branch. The method used in this research is SWOT analysis, which provides a comprehensive framework for evaluating various internal and external factors that influence the performance of this savings product. The analysis results show that the Easy Wadi'ah savings product has several strengths, including superiority in the sharia principles adopted, ease of access and use, and adequate technological support. However, there are also several weaknesses such as limited additional features compared to conventional products and a lack of effective promotion. Opportunities that can be exploited include increasing public awareness of sharia banking products and large market potential in the Batam area. On the other hand, the threats faced include tight competition with savings products from other banks and changes in sharia banking regulations which could affect product operations. By understanding these strengths, weaknesses, opportunities and threats, it is hoped that Bank Syariah Indonesia (BSI) Raden Fatah Batam Branch can formulate appropriate strategies to increase competitiveness and customer loyalty towards Easy Wadi'ah savings products.
Impact of Murabahah, Mudharabah, Musyarakah Income on ROE: The Role of Syariah Bank Size (2018.Q1-2023.Q3) abbas, Moh Zaky Fakhrezy; Eka Wahyu Hestia Budianto, Lc., M.Si
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 6 No. 2 (2024): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v6i2.3243

Abstract

Abda, (2020). Pengaruh Pembiayaan Murabahah dan Pembiayaan Mudharabah Terhadap Laba Bersih Serta Implikasinya Terhadap Profitabilitas Bank Umum Syariah di Indonesia Periode 2012-2018. Skripsi, 88–98. https://repository.uinjkt.ac.id/dspace/handle/123456789/50208 Ajizah, F. (2022). Pengaruh Pembiayaan Mudharabah, Pembiayaan Musyarakah Dan Piutang Murabahah Terhadap Return on Assets (ROA) Dan Return on Equity (ROE). Jurnal Pendidikan Akuntansi & Keuangan, 10(1), 1–12. https://doi.org/10.17509/jpak.v10i1.31912 Anggreyni, Z. (2019). Pengaruh Pendapatan Murabahah Dan Musyarakah Terhadap Profitabilitas Pada Bni Syariah. Skripsi Pengaruh Pendapatan Murabahah Dan Musyarakah, 24–47. https://repository.ar-raniry.ac.id/id/eprint/9063/ Audifa, (2021). Pengaruh Produk Pembiayaan Musyarakah Terhadap Roe (Return On Equity) Pada Bank Mega Syariah. Skripsi, 1–78.         http://repository.uinsu.ac.id/id/eprint/14456 Daulay, P. I. (2019). Pengaruh Pendapatan Bagi Hasil Pembiayaan Mudharabah Dan Pembiayaan Musyarakah Terhadap Return On Equity (Roe) Pada Pt. Bank Syariah Mandiri, Tbk. Skripsi, 25–104.         https://repository.uinsu.ac.id/7532/1/skripsi/full/putriindahsari/daulay Fransisca, (2021). Pengaruh Pembiayaan Mudharabah, Musyarakah, dan Ijarah Terhadap Rreturn on Equity (ROE) Pada Bank BRI Syariah Periode 2016-2020. Skripsi, 88–98.         https://etheses.iainponorogo.ac.id/13329/ Hanif, M. (2017). Pengaruh Debt to Equity Ratio, Return On Asset, Firm Size, Danearning Pe Share Terhadap Dividend Payout Ratio (Studi Pada Perusahaan Manufaktur Yang Terdaftar Di Bursa Efek Indonesia Tahun 2011-2015). In Jurnal Ilmiah Mahasiswa Ekonomi Akuntansi (JIMEKA) (Vol. 2, Issue 1).         https://jim.usk.ac.id/EKA/article/view/2222 Hidayatullah, (2021). Pengaruh Pendapatan Pembiyayaan Mudharabah Terhadap Return Of Asset (ROA) Di Bank Syariah Indonesia (BSI) Periode 2021. Competitive Jurnal Akuntansi Dan Keuangan, 5(2), 205–210.         https://repository.radenintan.ac.id/23841/ Latif, (2020). Pembiayaan Mudharabah Dan Pembiayaan Musyarakah Di Perbankan Syariah. EJournal of Sunan Gunung Djati State Islamic University (UIN) : Jurnal Ilmu Akuntansi Dan Bisnis Syariah, 2(1), 9–22.         https://journal.uinsgd.ac.id/index.php/aksy/article/view/7857 Medyawicesar, H., Tarmedi, E., & Purnamasari, I. (2018). Analisis Komponen Tingkat Kesehatan Bank Terhadap Harga Saham Bank Umum Swasta Nasional Devisa Yang Terdaftar di Bursa Efek Indonesia Periode 2012-2016. In Journal of Business Management Education | (Vol. 3, Issue 1).         https://ejournal.upi.edu/index.php/JBME/article/view/14244 Melina, F. (2020). PEMBIAYAAN MURABAHAH DI BAITUL MAAL WAT TAMWIL (BMT). Jurnal Tabarru’ : Islamic Banking and Finance, 3(2).         https://journal.uir.ac.id/index.php/tabarru/article/view/5878 Widianengsih, N., Suartini, S., & Diana, N. (2020). Pengaruh Pembiayaan Murabahah, Mudharabah dan Musyara-kah Terhadap Tingkat Profitabilitas Bank Syariah di Indonesia Neneng Widianengsih Nana Diana. AKUNSIKA: Jurnal Akuntansi Dan Keuangan, 1(1), 76–83. http://jurnal.poliupg.ac.id/index.php/akunsika Novianti, (2019). Pengaruh Pendapatan Pembiayaaan Musyarakah Terhadap Return On Equity (Roe) Di Bank Muamalat Indonesia Tahun 2010-2017 Skripsi.         https://repository.uinbanten.ac.id/3745/ Nugroho, B. S., & Faozan, A. (2022). The Effect Of Mudharabah, Musyarakah, And Murabahah Financing On Profitability (A Study On Sharia Commercial Banks For The 2016-2021 Period).         https://ojs.unida.ac.id/JSEI/article/view/6394 Quratun, (2020). Pengaruh Pembiayaan Murabahah Terhadap Profitabilitas Pada Pt. Lkms Bmt Almabruk Batusangkar. 1–67.         https://repo.uinmybatusangkar.ac.id/xmlui/handle/123456789/23933 Rahmi, F., Nofianti, L., Irfan, A., & Miftah, D. D. (2018). SHARIA GOVERNANCE DAN KINERJA LEMBAGA KEUANGAN SYARIAH: FIRM SIZE SEBAGAI PEMODERASI. In Jurnal Al-Iqtishad, Edisi (Vol. 14).         https://ejournal.uin-suska.ac.id/index.php/al-iqtishad/article/view/6793 Satria, I., & Saputri, H. (2016). Pengaruh Pendapatan Murabahah, Mudharabah, dan Musyarakah Terhadap Return on Equity PT Bank Syariah Mandiri. Jurnal Visioner & Strategis, 5(2), 55–67. www.syariahmandiri.co.id         https://journal.unimal.ac.id/visi/article/view/221 Suci, (2022). Pengaruh Return on Assets dan Return on Equity Terhadap Return Saham Jurnal Mirai Management Pengaruh Return on Assets dan Return on Equity Terhadap Return Saham. Jurnal Mirai Management, 7(2), 147–162.         https://journal.stieamkop.ac.id/index.php/mirai/article/view/2056 Verizaliani, V. D. (2021). PENGARUH PEMBIAYAAN MURABAHAH DAN MUSYARAKAH TERHADAP PROFITABILITAS. In Competitive Jurnal Akuntansi dan Keuangan (Vol. 5, Issue 2).         https://jurnal.umt.ac.id/index.php/competitive/article/view/4324 Nur, Y., & Mukhlis. (2020). Analisis Pengaruh Pembiayaan Musyarakah Terhadap Profitabilitas Bank Syariah Di Indonesia. Journal Ekonomika Indonesia, X, 13–18. www.ojk.go.id         https://ojs.unimal.ac.id/ekonomika/article/view/3179  
The Effect Of Capital Stucture, Liquidity And Company Size On Profitability In Islamic Commercial Banks In Indonesia dara, Risma; Busra; Yulianisah
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 6 No. 2 (2024): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v6i2.3285

Abstract

Profitability is the company's ability to generate profits. Many phenomena that occur in this study are that there are still differences in research results between researchers, although the research is still within the scope of 1 sector with the same variables but obtains different results. The purpose of this study is to test the effect of capital structure, liquidity and company size on profitability in Islamic commercial banks in Indonesia for the period 2018-2022. The sample was selected using a purposive sampling technique, so that 45 were collected. This study uses a panel data regression analysis method. The selected model is the common effect model. The results of the study partially show that capital structure has a negative effect on profitability, liquidity has a negative effect on profitability and company size has a significant positive effect on profitability. Simultaneously shows that capital structure, liquidity and company size on profitability in Islamic commercial banks in Indonesia. that the size of a large company can be seen from its total assets. the larger the company's assets, the easier or freer the company's management will be in managing and using these assets in carrying out the company's operational activities. the flexibility and ease of management in controlling assets will be able to increase Profitability Keywords : capital structure, liquidity and profitability company size
The Influence of Income, Knowledge, and Time Period on Customer Decisions to Take Financing at PT. BPRS ADECO Langsa Syahvindra, Meutia; Puspita Sari, Juli Dwina
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 6 No. 2 (2024): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v6i2.3406

Abstract

When taking out murabahah financing at a BPRS, customers will always consider their income. Customer income is very important because it can determine the customer's ability to make installment payments. Apart from income, when taking out financing at a bank, customers can be influenced by other factors such as the customer's knowledge of a product. Apart from that, another factor that can influence a customer's decision to take out financing is the time period. This is because the financing payment period varies depending on the length of time agreed between the customer and the bank. Therefore, researchers are interested in conducting research on income, knowledge and time period on customers' decisions to take financing. The research method is quantitative with an associative approach. The sample using the limeshow formula of 100 people. The results of the research showed that: (1) Variables interested in conducting research on income, knowledge and time period on customer's decision to take financing. (2) The knowledge variable on customer decisions in taking financing at PT BPRS Adeco Langsa is 0.000 < 0.05 and tcount 5.697 > ttable 1.984. (3) The time period variable for the customer's decision to take financing at PT BPRS Adeco Langsa is 0.341 > 0.05 and tcount 0.957 < ttable 1.984. (4) The income, knowledge and term variables can be said to have a simultaneous influence on customer decision variables in taking financing at PT BPRS Adeco Langsa. With test results Fcount 34.058 > Ftable 2.696 and Sig. 0.000 < 0.05. The R2 value is 51.6% and the remaining 48.4% is influenced by other variables outside this research.
Sharia Principles In Risk Management In Islamic Banking: A Literature Review Haikal, Mohammad; Efendi, Sumardi; Ramly, Arroyyan
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 6 No. 2 (2024): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v6i2.3411

Abstract

Islamic banking operates based on sharia principles, which strictly prohibit practices such as riba (interest), gharar (excessive uncertainty), and maysir (gambling). These prohibitions directly influence the approach to risk management. This study aims to review existing literature related to the application of sharia principles in risk management within Islamic banking. To thoroughly explore the topic, this study employed a library research method, which involved collecting, analyzing, and synthesizing information from various academic sources, including scholarly journals, books, and research reports.  The findings reveal that Sharia principles not only provide a unique framework for risk management but also strengthen the financial stability of Islamic banks by avoiding speculative practices and excessive uncertainty. Furthermore, the Sharia Supervisory Board (known as DPS) plays a crucial role in ensuring compliance with these principles. Thus, the application of Sharia principles in risk management significantly contributes to the sustainability and stability of Islamic banking. However, challenges remain, such as the limited availability of Sharia-compliant financial instruments. This study recommends further study to develop innovative and Sharia-compliant risk management instruments and strategies to support the future development of Islamic banking