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All Journal Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Co-Value : Jurnal Ekonomi, Koperasi & Kewirausahaan Matriks Jurnal Literasi Indonesia
Atin Risnawati
Sekolah Tinggi Agama Islam Kuningan
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Neuroscience Social Sciences

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Artificial Intelligence in Sharia Supervision: Legitimacy and Limits of Authority in Indonesia Muhammad Permadi; Atin Risnawati
Co-Value Jurnal Ekonomi Koperasi dan kewirausahaan Vol. 16 No. 8 (2026): Co-Value: Jurnal Ekonomi, Koperasi & Kewirausahaan
Publisher : Program Studi Manajemen Institut Manajemen Koperasi Indonesia Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/3rnsnr15

Abstract

This research was conducted in response to the increasing imbalance between the number of available Sharia Supervisory Board (DPS) members and the number of LKS, which raises critical concerns regarding the effectiveness of sharia supervision. The purpose of this article is to evaluate the legitimacy and scope of authority, as well as the legal-moral accountability, of Artificial Intelligence within Islamic Financial Institutions (LKS) in Indonesia, particularly in the absence of specific regulations under prevailing laws, Financial Services Authority Regulations (POJK), and DSN-MUI fatwas. Methodologically, this study employs a normative-doctrinal legal research approach with an interdisciplinary framework integrating legislative, conceptual, and Islamic jurisprudence methods. The analysis encompasses the principle of mubāḥ in fiqh muāmalah, the doctrine of maqāṣid al-sharīʼah, and the functional position of AI within sharia governance and supervisory accountability. Findings: This study demonstrates that AI-assisted sharia supervision is legally defensible under Islamic law, provided it operates exclusively as a decision-support system (wasīlah) and that full legal and moral accountability for sharia compliance remains vested in the DPS. Policy Recommendations: This study urges the OJK to issue explicit regulatory instruments governing prudential standards, algorithm governance, and legal accountability in AI-assisted sharia supervision, and calls upon the DSN-MUI to issue a dedicated fatwa establishing the ethical framework and normative boundaries for AI application in DPS supervisory functions.
Digital Transformation in Waqf and Hajj Fund Management: Sharia Compliance and Efficiency in 2025 Muhammad Permadi; Atin Risnawati
Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Vol. 19 No. 1 (2026): AL-AWQAF : Jurnal Wakaf dan Ekonomi Islam
Publisher : Badan Wakaf Indonesia

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Abstract

Digital transformation of Islamic financial institutions has become a major factor in making it easier to manage waqf and hajj funds, especially when it comes to following Sharia law and running things more smoothly. This study looks at how digital technologies could be used in 2025 to improve the governance, collection, distribution, and investment of waqf and hajj funds. The research shows how blockchain, artificial intelligence, and mobile fintech platforms can make things more open, easier to follow, and more accountable. It does this by looking at regulatory frameworks, case studies of institutions, and new technologies. It looks at how well these digital tools fit with Sharia principles to make sure that religious duties are met without lowering efficiency or public trust. The results show that digital transformation not only makes managing funds easier, but it also opens up more opportunities for beneficiaries and donors, lowers administrative costs, and promotes long-term economic and social growth. The study also talks about possible problems that need to be fixed to get the best results. These include cybersecurity risks, regulatory gaps, and barriers to digital literacy. The results show that the best way for waqf and hajj fund institutions to move forward is to use a hybrid model that combines traditional governance values ​​with cutting-edge technology. Digital transformation can make Islamic finance more effective at reaching both spiritual and social goals by encouraging innovation while protecting religious integrity. This makes waqf and hajj funds strong, clear, and useful financial tools in the modern world.
Analisis Pemahaman Orang Tua Terhadap Pola Asuh Otoriter pada Anak Usia Dini Atin Risnawati
⁠⁠Jurnal Literasi Indonesia Vol. 1 No. 8 (2024): Jurnal Literasi Indonesia
Publisher : Sekolah Tinggi Agama Islam Kuningan

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Abstract

Penelitian ini bertujuan untuk mengeksplorasi pemahaman orang tua tentang pola asuh otoriter pada anak usia dini serta dampaknya terhadap perkembangan sosial dan emosional anak. Pola asuh otoriter, yang umumnya ditandai dengan kontrol yang ketat dan penekanan pada ketaatan tanpa memberi ruang untuk komunikasi atau partisipasi anak, masih banyak diterapkan oleh orang tua. Penelitian ini menggunakan pendekatan kualitatif dengan teknik pengumpulan data melalui wawancara mendalam dengan orang tua dan observasi di lingkungan rumah serta sekolah. Hasil penelitian menunjukkan bahwa meskipun banyak orang tua yang menyadari pentingnya mendidik anak dengan disiplin, mereka sering kali menganggap pola asuh otoriter sebagai cara yang efektif untuk mengontrol perilaku anak. Namun, mereka juga kurang memahami dampak negatifnya terhadap perkembangan emosional dan sosial anak, seperti kesulitan dalam mengelola emosi, berinteraksi dengan teman sebaya, dan membangun rasa percaya diri. Penelitian ini menyoroti pentingnya pemahaman yang lebih mendalam mengenai pola asuh yang lebih seimbang, di mana orang tua dapat mendisiplinkan anak tanpa mengorbankan aspek emosional dan sosial anak. Oleh karena itu, disarankan agar program pendidikan orang tua lebih menekankan pada pentingnya pendekatan pengasuhan yang demokratis dan berbasis kasih sayang, yang memungkinkan anak untuk berkembang dengan lebih sehat secara emosional dan sosial. Dengan adanya edukasi yang lebih intensif, diharapkan orang tua dapat mengoptimalkan peran mereka dalam mendukung tumbuh kembang anak dengan lebih baik.
Period Front Education Era Revolution Industry 4.0 Going To Society 5.0 Muhammad Permadi; Atin Risnawati
Matriks Jurnal Sosial dan Sains Vol. 7 No. 1 (2025): Matriks: Jurnal Sosial dan Sains
Publisher : Sekolah Tinggi Agama Islam Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59784/matriks.v7i1.29793

Abstract

Education is an important element that must continue to develop in response to contemporary needs and societal developments. The rapid advancement of technology requires adaptation of educational systems to ensure that individuals can keep pace with this evolution. During the Industrial Revolution 4.0, education stressed the use of internet networks and information technology which were fundamental in the learning system. Blended learning, case-based learning, and hybrid learning were the dominant methodologies in this period. The emergence of the Society 5.0 period represents a transformation in several aspects of society, including education. This understanding facilitates the development of contemporary science that is adapted to meet human needs in accordance with current expectations. The Society 5.0 era is based on 21st century competencies which are closely related to rapid technological progress. This period offers efficiency and convenience, where technology helps and does not dominate, thus improving the quality of life to become more comfortable and prosperous.
Co-Authors Muhammad Permadi Muhammad Permadi