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      "keywords": "Mudharabah, Islamic microfinance, Institutional risk governance, Risk\r\nmanagement, Institutional trust, Coastal development",
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      "publication": "Journal of Islamic Accounting and Business Research",
      "abstract": "This study examines the adoption of mudharabah financing in high-risk coastal livelihoods by\r\nreframing Islamic financial contracts as instruments of institutional risk governance rather than\r\npurely normative or religious arrangements. It seeks to explain how institutional processes\r\nshape adoption decisions under conditions of environmental and income uncertainty. A quantitative research design is employed using survey data from 440 coastal economic actors\r\nin Indonesia. The proposed framework is tested through a serial mediation model using partial\r\nleast squares structural equation modeling (PLS-SEM). Multi-group analysis is further applied\r\nto capture contextual variations across geographic settings and fishing-asset ownership\r\nstructures. The findings indicate that access to capital and perceived fairness do not directly influence the\r\nintention to adopt mudharabah. Their effects are fully transmitted through a sequential\r\ninstitutional pathway involving the institutional role of Islamic financial intermediaries, riskmanagement\r\npractices addressing weather and price volatility, and the formation of\r\ninstitutional trust. Multi-group analysis reveals that these institutional pathways are\r\nsignificantly stronger in mainland coastal areas and among individual asset owners, suggesting\r\nthat institutional risk governance operates unevenly across contexts.The results suggest that strengthening mudharabah adoption requires more than expanding\r\naccess or emphasizing Shariah compliance. Islamic financial institutions should prioritize\r\ninstitutional capacity for risk governance, including contract clarity, distributive fairness, and\r\noperational risk-management mechanisms, particularly in vulnerable coastal environments  This study contributes to the Islamic finance and development literature by reconceptualizing\r\nmudharabah adoption as an outcome of institutional risk governance. It positions trust as an\r\nendogenous result of institutional performance and offers a context-sensitive framework for\r\ndesigning Islamic microfinance interventions in high-risk livelihood settings",
      "type": "article",
      "title": "Mudharabah Adoption as Institutional Risk Governance Evidence from Coastal Livelihoods in Indonesia"
    }