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All Journal Ulil Albab Journal Tafkirul Iqtishodiyyah
Titiek Muthmainnah
Institut Agama Islam Negeri Bone, Indonesia
Religion Humanities Economics, Econometrics & Finance Education Social Sciences

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Transformasi dan Eksistensi Perbankan Syariah di Era Digital: Kajian Historis, Regulasi, dan Prinsip Syariah Asma Asma; Titiek Muthmainnah; Restiara Oktaviana; Bustan Ramli
ULIL ALBAB : Jurnal Ilmiah Multidisiplin Vol. 5 No. 7: Juni 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jim.v5i7.18905

Abstract

Penelitian ini bertujuan untuk mengkaji pengertian, sejarah perkembangan, dan eksistensi perbankan syariah, serta menganalisis prinsip-prinsip manajemen dalam perspektif Al-Qur’an dan hadis beserta prinsip operasional perbankan syariah. Penelitian ini dilatarbelakangi oleh pentingnya perbankan syariah sebagai lembaga keuangan berbasis syariah yang berperan dalam mendukung pembangunan ekonomi. Metode penelitian yang digunakan adalah pendekatan kualitatif dengan jenis penelitian kepustakaan (library research) melalui kajian berbagai sumber ilmiah yang relevan. Hasil penelitian menunjukkan bahwa perbankan syariah di Indonesia mengalami perkembangan yang cukup pesat didukung oleh regulasi yang kuat serta memiliki ketahanan dalam menghadapi krisis ekonomi. Selain itu, prinsip manajemen Islam seperti perencanaan, pengorganisasian, kepemimpinan, dan pengawasan menjadi landasan penting dalam pengelolaan lembaga. Di sisi lain, prinsip operasional perbankan syariah menekankan nilai keadilan, kemitraan, transparansi, serta larangan riba, gharar, dan maisir. Pada era digital, perbankan syariah memiliki peluang besar melalui inovasi teknologi, namun juga menghadapi tantangan berupa keterbatasan sumber daya manusia, keamanan siber, dan rendahnya literasi keuangan masyarakat. Oleh karena itu, diperlukan strategi adaptif dan inovatif agar eksistensi perbankan syariah dapat terus terjaga di tengah perkembangan zaman.
Analisis Penggunaan Artificial Intelligence Terhadap Efisiensi Produksi Jasa Kreatif Freelancer Kabupaten Bone Dalam Perspektif Ekonomi Syariah Titiek Muthmainnah; Muhsyi Alyah; Asni Gusmiarni; Sitti Nikmah Marzuki; Arifin Sahaka
Journal Tafkirul Iqtishodiyyah Vol. 6 No. 1 (2026): JOURNAL TAFKIRUL IQTISHODIYYAH
Publisher : Sekolah Tinggi Ilmu Syrari’ah Daru ‘Ulum (STSDU) Lampung Timur.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63761/jti.v6i1.211

Abstract

This study aims to analyze the utilization of AI in the production activities of creative service freelancers in Bone Regency, examine the efficiency gained through its implementation, and explore its use from the perspective of Islamic economics. This research employed a qualitative method with a descriptive approach. Data were collected through observation, semi-structured interviews, and documentation involving four freelancers working in website and application development, graphic design, photography, and videography. The findings reveal that AI has been integrated into various stages of production, including idea generation, technical problem-solving, asset creation, and editing processes. The use of AI contributes to faster task completion, easier access to references, and more efficient production workflows without eliminating the role of humans as the primary decision-makers. Furthermore, freelancers adapt to technological advancements by emphasizing creativity, experience, and service quality to maintain their competitiveness. From the perspective of Islamic economics, the use of AI is considered permissible as long as it adheres to the principles of honesty (shidq), justice ('adl), and non-maleficence (la dharar). Therefore, the efficiency generated by AI remains aligned with ethical values and social responsibility in production activities.
Co-Authors Arifin Sahaka Asma Asma Asni Gusmiarni Bustan Ramli Muhsyi Alyah Restiara Oktaviana Sitti Nikmah Marzuki