Article Per Year (5 Year)
p-Index From 2021 - 2026
0.562
P-Index
This Author published in this journals
All Journal Al-Muzdahir: Jurnal Ekonomi Syariah JAWI : Journal of Ahkam Wa Iqtishad
Dhiya Dwi Afifah
Universitas Islam Negeri Sultan Syarif Kasim Riau
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Other

Published : 3 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 3 Documents
Search

 1 
Muslim Entrepreneurship Transformation in the Era of Artificial Intelligence: Analysis of Opportunities and Challenges Based on Sharia Maqashid Afdhol Rinaldi; Dhiya Dwi Afifah
JAWI : Journal of Ahkam Wa Iqtishad Vol. 4 No. 1 (2026): JAWI - MARET
Publisher : MUI Kota Pekanbaru

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

Abstract

The rapid development of Artificial Intelligence (AI) has brought significant transformations in various business sectors, including Muslim entrepreneurship. This research aims to analyze the opportunities and challenges of Muslim entrepreneurial transformation in the AI era based on the perspective of Maqashid Sharia. Using a qualitative method with a literature review approach (library research), this study examines various academic publications, international journals, and secondary sources related to the integration of AI in sharia business and digital Islamic ethics. The results of the study show that AI offers great opportunities for Muslim entrepreneurs in improving operational efficiency, business transparency, and competitiveness of the global halal market. However, significant ethical challenges arise related to algorithm bias, data privacy, accountability of autonomous systems, and sharia compliance. The Sharia Maqashid framework that includes the protection of religion (ḥifẓ al-dīn), the soul (ḥifẓ al-nafs), reason (ḥifẓ al-ʿaql), heredity (ḥifẓ al-nasl), and property (ḥifẓ al-māl) provides a holistic ethical foundation to guide the development of responsible AI in the context of Islamic entrepreneurship. The study recommends multidisciplinary collaboration between scholars, technology developers, and regulators to ensure ethical, sustainable, and aligned adoption of AI with Islamic principles.
LARANGAN RIBA DALAM AL-QUR'AN DAN IMPLIKASINYA (QS. AL-IMRAN: 130, QS. AL-BAQARAH: 275-279) Dhiya Dwi Afifah; Mawardi
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 8 No. 1 (2026): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Universitas Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v8i1.1445

Abstract

Larangan riba dalam Al-Qur'an memiliki peran sentral dalam membangun sistem ekonomi yang adil dan berkelanjutan. Riba, yang berarti tambahan nilai tanpa dasar yang sah, dianggap sebagai praktik yang tidak hanya melanggengkan ketidakadilan sosial-ekonomi tetapi juga memperbesar kesenjangan serta merusak stabilitas masyarakat. Al-Qur'an dengan tegas melarang riba dalam beberapa ayat, seperti QS. Ali Imran: 130 dan QS. Al-Baqarah: 275-279, yang menjadi dasar norma-norma ekonomi dalam Islam. Kajian ini bertujuan untuk menganalisis konsep larangan riba berdasarkan kedua ayat tersebut menggunakan pendekatan kualitatif berbasis studi literatur, untuk menyoroti relevansi larangan riba dalam konteks ekonomi modern. Ayat-ayat Al-Qur’an yang mengatur larangan riba tidak hanya bersifat normatif, tetapi juga berfungsi sebagai panduan praktis dalam menciptakan sistem ekonomi yang berkeadilan. QS. Al-Baqarah: 275-279, misalnya, memberikan penekanan pada pentingnya menghindari praktik riba, yang kerap merugikan pihak yang lebih lemah dalam masyarakat. Dalam konteks historis, larangan ini bertujuan untuk mencegah akumulasi kekayaan di tangan segelintir individu yang menyebabkan ketimpangan ekonomi yang mendalam. Sebaliknya, ajaran ini mendorong sistem ekonomi yang memprioritaskan distribusi kekayaan yang adil, melindungi hak-hak individu, serta menjaga keseimbangan sosial.Dalam konteks ekonomi modern, larangan riba diterapkan melalui sistem perbankan syariah, yang menggantikan bunga dengan skema seperti mudharabah, musyarakah, dan murabahah. Skema ini dirancang untuk mendorong kerja sama dan partisipasi yang saling menguntungkan, memastikan distribusi manfaat yang lebih adil, serta meminimalkan kesenjangan sosial. Hasil penelitian ini menunjukkan bahwa larangan riba tidak hanya berdimensi spiritual, tetapi juga memiliki implikasi praktis yang kuat dalam menghadapi tantangan ekonomi kontemporer. Larangan riba membantu membentuk tatanan ekonomi yang lebih inklusif dan berkelanjutan, di mana umat Islam dapat berkontribusi dalam menciptakan keseimbangan ekonomi tanpa merusak nilai-nilai etika dan moral yang diajarkan oleh Islam.
Transformation of Sharia Microeconomics in the Digital Era Integration of Maslahah, MSMEs, and Sharia Finance Afdhol Rinaldi; Dhiya Dwi Afifah
JAWI : Journal of Ahkam Wa Iqtishad Vol. 4 No. 3 (2026): JAWI - SEPTEMBER
Publisher : MUI Kota Pekanbaru

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

Abstract

Digital transformation in economic activities has changed the way consumers, producers, micro and small businesses, and Islamic financial institutions interact. This article analyzes the transformation of the Islamic micro-economy in the digital era by integrating the concepts of maslahah, ethical market behavior, MSME empowerment, and Islamic finance innovation. This study uses a qualitative literature review with a descriptive-analytical approach, drawing on books and scientific publications as secondary data sources. The literature shows that digitalization can reduce transaction costs, expand market access, facilitate financial inclusion, and strengthen MSME development. However, digital transactions also present challenges, including information asymmetry, gharar, digital literacy, data security, halal assurance, and sharia compliance. This article proposes a maslahah-oriented ecosystem that uses digital technology to benefit consumers, producers, MSMEs, Islamic financial institutions, platforms, regulators, and halal institutions. Thus, transforming the sharia microeconomy must ensure that technological efficiency remains aligned with justice, transparency, halal principles, and social benefits.
Co-Authors Afdhol Rinaldi Afdhol Rinaldi Mawardi