MODEL PENGUATAN EFEKTIVITAS MANAJEMEN RISIKO BERBASIS SADDU DZARI’AH PADA PERBANKAN SYARIAH (STUDI PADA PT BANK SYARIAH INDONESIA (PERSERO) TBK)NIM.: 22303012017Novingky FerdinandauthorIslamic banking faces a dual challenge: sustaining rapid asset growth while ensuring risk management practices remain aligned with Islamic legal principles. The gap between formal regulatory compliance and the substantive implementation of Islamic values in risk governance represents an underexplored empirical problem, particularly within the context of Bank Syariah Indonesia (BSI). This study aims to analyze a model for strengthening risk management effectiveness based on the principle of Saddu Dzari’ah in Islamic banking. The study employs a quantitative approach using Structural equation modeling–Partial Least Squares (SEM-PLS), with data collected through structured questionnaires administered to respondents directly involved in risk management at BSI. The results indicate that all hypotheses (H1–H10) are supported. Management Commitment (X1), Organizational Culture (X2), and MRM Implementation (X3) each demonstrated a positive and significant effect on Saddu Dzari’ah (Z), with MRM Implementation emerging as the strongest technical predictor (path coefficient = 0.498; T = 10.448; p < 0.001). All three variables, together with Saddu Dzari’ah, significantly influenced Risk Management Effectiveness (Y). Mediation analysis (H8–H10) further confirmed that the Saddu Dzari’ah principle successfully mediates the relationship between the independent variables and risk management effectiveness. These findings provide empirical evidence that risk management effectiveness in Islamic banking is not solely determined by managerial support and organizational culture, but equally requires the implementation of the Saddu Dzari’ah principle as a tangible manifestation of proactive preventive measures, supported by a robust MRM system.658.15 Manajemen Keuangan2026-08-11UIN SUNAN KALIJAGA YOGYAKARTA;FAKULTAS SYARI’AH DAN HUKUMThesis