Factors Influencing Customer Risk Perception of iB Mudharabah Deposits at PT. Bank Sumut KCPSy Hamparan Perak
DOI:
https://doi.org/10.35891/9ym2sa72Keywords:
Risk perception, Sharia financial literacy, Trust, TransparencyAbstract
Purpose: This research examines the effect of Sharia financial literacy, trust, and transparency on customer risk perception of iB Mudharabah deposit products at PT Bank Sumut KCPSy Hamparan Perak.
Design/Methodology/Approach: A quantitative cross-sectional approach was applied using questionnaires distributed to 100 iB Mudharabah deposit customers selected through purposive sampling. Data were measured using a five-point Likert scale and analyzed using SEM-PLS, including outer and inner model testing.
Findings: Sharia financial literacy, trust, and transparency have a positive and significant effect on customer risk perception. The adjusted R-square value of 0.670 indicates that 67% of the variation in risk perception is explained by these variables.
Practical Implications: The findings suggest that customer-based risk mitigation requires strengthening Sharia financial literacy, enhancing trust, and ensuring transparency in mudharabah deposit products.
Originality/Value: This research contributes to Sharia banking literature by highlighting customer risk perception in regional Sharia banks and emphasizing behavioral and relational factors in mudharabah-based risk management.
Downloads
References
Ade Gunawan, S. E. (2022). Monograf Pengukuran Literasi Keuangan Syariah dan Literasi Keuangan. umsu press.
Agustin, H., & Hasan, H. (2022). Teori manajemen resiko bank syariah. Jurnal Tabarru’: Sharia Banking and Finance, 5(2), 551–564.
Dalimunthe, H. H., & Arafah, S. (2026). Faktor Faktor yang Mempengaruhi Keputusan Masyarakat Memilih Produk Deposito Ib Mudharabah Pada PT Bank Sumut KCPSy Hamparan Perak. RIGGS: Journal of Artificial Intelligence and Digital Business, 4(4), 1123–1131.
Ghozali, I. (2021). Stuctural Equation Modeling dengan Metode Alternative Partial Least Squares (PLS). Badan Penerbit Universitas Diponegoro.
Harahap, L. P. S., & Arafah, S. (2024). Faktor-Faktor yang Mempengaruhi Keputusan Nasabah Memilih Pembiayaan Multiguna-ASN (Studi Kasus: PT. Bank Sumut Syariah KCPSY Kota Baru Marelan). Innovative: Journal Of Social Science Research, 4(6), 5163–5177.
Hasan, A., Nasution, S. S., Nasution, H., & Arafah, S. (2024). Determinants Of MSMEs Welfare Through Sharia Financial Literacy In Ultra-Micro Financing. Integrated Journal of Business and Economics, 8(3), 274–289.
Hasan, Z., Abduh, M., & Rosman, R. (2025). Transparency, Accountability, and Customer Trust in Sharia Banking: A Panel Data Analysis from Selected OIC Countries. Jurnal Magister Ekonomi Syariah, 4(2 Desember), 915–935.
HT, H. A., Meiria, E., & Arafah, S. (2024). Faktor-Faktor Yang Mempengaruhi Pelaku UMKM Memilih Pembiayaan iB Muamalat Modal Kerja Melalui Inklusi Keuangan Syariah. Jurnal Ilmiah Ekonomi Islam, 10(3).
Iltiham, M. F., & Nizar, M. (2024). Implementation of Digital Transformation in HIPSI SMEs: A Qualitative Analysis of Strengthening Local Community Digital Capabilities. MALIA: Jurnal Ekonomi Islam, 15(2), 158–172.
Lestari, W. (2013). Religiusitas dan persepsi risiko dalam pengambilan keputusan investasi pada perspektif gender. Journal of Business & Banking, 3(2), 189–200.
Maghfiroh, N., & Arwani, A. (2025). Pengaruh Literasi Keuangan dan Pemanfaatan Teknologi Digital terhadap Kepercayaan Nasabah pada Bank Syariah. Sahmiyya: Jurnal Ekonomi Dan Bisnis, 421–426.
Mas’ ut, M. ut, Mustofa, M. S., Dianto, A. Y., & Udin, M. F. (2023). Model Manajemen Resiko pada Lembaga Keuangan Syariah. Indonesian Journal of Humanities and Social Sciences, 4(3), 725–740.
Matoenji, E. Y., Nugroho, L., Soekapdjo, S., & Aziz, R. M. (2021). Determinasi Pertumbuhan Laba Bank Syariah Berdasarkan Aspek Pembiayaan UMKM, Jumlah Outlet dan Kualitas Pembiayaan. Jurnal Sikap, 6(1), 124–140.
Miko, J., Arafah, S., & Hariani, F. (2024). Peran Literasi Keuangan Syariah Dalam Membangun Kesadaran Generasi Milenial Di Era Revolusi Industri 5.0. Dinamis: Jurnal Pengabdian Kepada Masyarakat, 4(1), 58–65.
Muhammad Kurniawan, S. E., & Sy, M. E. (2021). Bank dan lembaga keuangan syariah (teori dan aplikasi). Penerbit Adab.
Mutmainah, S. (2017). Tata Kelola Dan Risiko Bank Syariah Di Indonesia Periode 2008-2016. Jurnal Akuntansi Dan Auditing, 14(2), 172–194.
Nasution, S. L., Limbong, C. H., & Ramadhan, D. A. (2020). Pengaruh kualitas produk, citra merek, kepercayaan, kemudahan, dan harga terhadap keputusan pembelian pada e-commerce shopee (Survei Pada Mahasiswa S1 Fakultas Ekonomi Jurusan Manajemen Universitas Labuhan Batu). Ecobisma (Jurnal Ekonomi, Bisnis Dan Manajemen), 7(1), 43–53.
Sitepu, A. P., & SE, M. A. (2022). Transparansi pengelolaan keuangan daerah. Cv. Azka Pustaka.
Warno, W., Isrowiyah, N., & Junusi, R. El. (2020). Development Strategy for Micro, Small and Medium Enterprises through Sharia Financial Inclusion. IQTISHODUNA: Jurnal Ekonomi Islam, 9(1), 55. https://doi.org/10.36835/iqtishoduna.v9i1.470
Widyaningsih, B., & Afan, T. I. (2024). Peran Manajemen Resiko Dalam Meningkatkan Ketahanan Bank Syariah Di Era Digital. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 9(3).
Windasari, I. (2024). Akuntabilitas dan Transparansi Pengelolaan Keuangan dalam Perspektif Islam. Hasina: Jurnal Akuntansi Dan Bisnis Syariah, 1(1), 10–25.
Wulandari, A., & Andni, R. (2024). The Influence of Financial Performance, Corporate Governance, and Trading Volume on Sharia Stock Prices (Case Study on ISSI BUMN Sector in 2011-2023). MALIA: Jurnal Ekonomi Islam, 16(1), 70–89.
