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Prinsip dan Etika Konsumsi Islam (Tinjauan Maqashid Syariah) Baitul Hamdi
Islamadina : Jurnal Pemikiran Islam ISLAMADINA, Volume 23, No. 1, Maret 2022
Publisher : Universitas Muhammadiyah Purwokerto (UMP)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/islamadina.v23i1.10821

An Islamic Economic Perspective About Sources of Public Finance Revenue in Indonesia Based on Abu Ubaid’s and Ad-Dawudi‘s Thought Baitul Hamdi; Tika Widiastuti
AFEBI Islamic Finance and Economic Review Vol 6, No 02 (2021)
Publisher : Asosiasi Fakultas Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47312/aifer.v6i02.351

This paper discusses sources of Islamic public finance income based on the ideas of Abu Ubaid and Ad-Dawudi in the Al-Amwal book and makes them relevant to sources of income from Indonesian public finances. The writing uses a qualitative method with a literature study approach to analyze the thoughts of Abu Ubaid and Ad-Dawud. The results showed that the sources of public financial income according to Abu Ubaid are zakat, fa'I, and khumus. While according to Ad-Dawudi in the book Al-Amwal, the source of state income is divided into periodic income (jizyah and kharaj and usyur) non-income periodic (ghanimah, fa'I, and zakat). In general, it has relevance to public sources of finance in Indonesia, it's just that the system or amount is different. Kharaj, fai, usyur, khumus in the form of mining taxes, jizyah in the form of visas, ghanimah there are differences of opinion that can be equated with confiscated goods from the state due to violating the law while other opinions say they are irrelevant because they support war actions to acquire wealth, lastly, Zakat is still practiced in Indonesia and managed by BAZNAS and LAZ

Liquidity risk in economic uncertainty: Evidence from Indonesian Islamic banks Muhammad Anis; Baitul Hamdi
Jurnal Ekonomi & Keuangan Islam Volume 8 No. 1, January 2022
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jeki.vol8.iss1.art3

Purpose – This paper aims to analyze the effect of economic uncertainty on liquidity risk of Islamic banks in Indonesia by observing the impact of economic uncertainty (World Uncertainty Index), macroeconomic factors (GDP Growth and Inflation Rate), and bank-specific factors (CAR and ROA) on liquidity risk.Methodology – Using time-series quarterly data from OJK’s Islamic Banking Statistics 2015-2021, this research applies Auto-Regressive Distributed Lag (ARDL) and Error Correction Term (ECT) to see the long-term impact and short-term response of economic uncertainty, inflation rate, GDP growth, ROA and CAR on liquidity risk of Islamic Bank.Findings – This research finds that economic uncertainty has a positive and significant effect on liquidity risk in the short term and long term. It means the increase in uncertainty index caused by the crisis, war, or pandemic like nowadays will enhance the liquidity risk of Islamic banking. At the same time, the inflation rate has a significant negative effect on liquidity risk in the short-term and long term.Originality – This research uses a combination of macroeconomic variables and bank-specific factors, and the economic uncertainty variable from the World Uncertainty Index. In this case, one of the reasons for liquidity problems apart from fund management failure is unfavorable economic conditions. In addition, this study also provides several recommendations in maintaining banking liquidity risk.Research limitations – This study uses time-series data with a limited period (2015Q1-2021Q2). In addition, this uses cumulative data on Islamic banking in Indonesia; thus, it does not describe the conditions in each Islamic bank, although certainly there are some different conditions between each other. Therefore, it is hoped that studies will complement these limitations in the future.

The Impact Of MSME Waqf On Economic Recovery During The Covid-19 Pandemic: Case Study Of Global Waqf -ACT Baitul Hamdi; Dul Candra
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.4510

The purpose of this study was to analyze the extent to which waqf recipients felt the benefits and impacts of the MSME waqf in the context of Indonesia's economic recovery in the era of the COVID-19 pandemic. The approach to this research is descriptive qualitative with a case study strategy, primary and secondary data sources. Preliminary data can be obtained from informants directly based on interviews, while secondary data sources for writers can be obtained from journals and the ACT website. The findings in the study that MSME Waqf have a positive impact on Indonesia's economic recovery specifically for waqf recipients include increasing business, living standards and welfare of waqf recipients, opening up employment opportunities, rising relationships, and soft skills and hard skills of waqf recipients and the higher the intention to give charity and help others. Meanwhile, the impact on Indonesia's economic growth is the opening of employment opportunities because MSMEs can absorb 97% of the total existing workforce and collect up to 60.4% of the total investment. If MSMEs rise, the economy will also increase.

Perkembangan dan Tantangan Halal Fashion Indonesia Dalam Menjadi Produsen Utama Industri Halal Global Agus Suaidi Hasan; Baitul Hamdi
Al-Azhar Journal of Islamic Economics VOLUME 4 NOMOR 2, JULI 2022
Publisher : Sekolah Tinggi Agama Islam (STAI) Al-Azhar Gowa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37146/ajie.v4i2.134

The purpose of this research is to find out the developments and challenges faced in the halal fashion industry in Indonesia. This research is library research using a qualitative approach. This research was conducted by reading, studying, and analyzing various existing literature, in the form of books, journals, news and research results. The results of the study show that the development of halal fashion in Indonesia continues to increase and progress from year to year and has a positive impact on Indonesia's economic growth. However, behind its development, there are challenges that must be faced by Indonesia to become the center of global halal fashion, fierce competition with foreign countries, the absence of halal competition that applies globally, categorization of halal fashion that is still united with general or conventional fashion, there are still problems in The JPH Law is still low and lacks raw materials, only the competitive spirit of the Indonesian people, and adapting to the COVID-19 pandemic

Liquidity Risk Determinants on Islamic and Conventional Banks Before and During The Covid-19 Pandemic Baitul Hamdi; Sri Herianingrum
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 4 (2022): Juli-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20224pp573-585

ABSTRAK Tujuan penelitian ini dilakukan adalah untuk mengidentifikasi dan menganalisis determinan risiko likuiditas pada bank syariah dan konvensional yang beroperasi di Indonesia sebelum dan selama pandemi COVID-19. Penelitian ini adalah penelitian kuantitatif dengan menggunakan data panel untuk mengkaji hubungan antara risiko likuiditas dengan faktor spesifik bank dan faktor makroekonomi sebelum dan selama pandemi COVID-19 (2018-2021). Dengan mengambil sampel dari 10 bank syariah dan 20 bank konvensional yang ada di Indonesia, penelitian ini menemukan bahwa faktor spesifik bank yaitu Capital Adequacy ratio (CAR), Return on Equity (ROE), dan Non Performing Loan (NPL) atau risiko kredit memiliki pengaruh pada likuiditas bank syariah. Sementara CAR dan NPL tidak memberikan pengaruh pada likuiditas bank konvensional hanya ROE yang memiliki pengaruh pada risiko likuiditas bank konvensional. Adapun faktor makro ekonomi (pertumbuhan GDP dan inflasi) tidak mempengaruhi risiko likuiditas kedua bank. Kemudian variabel pandemic tidak memberikan pengaruh pada risiko likuiditas kedua jenis bank. Penelitian ini diharapkan dapat mempermudah para bankir dalam mengambil keputusan untuk meningkatkan kualitas pengelolaan likuiditas pada kedua sistem perbankan tersebut, terutama dimasa pandemi covid-19, agar tidak terjadi kebangkrutan. Kata Kunci: Risiko Likuiditas, Bank Syariah, Bank Konvensional, Covid-19. ABSTRACT This study aims to identify and analyze the determinants of liquidity risk in Islamic and conventional banking in Indonesia before and during the COVID-19 pandemic. This study uses a panel data approach to examine the relationship between liquidity risk with bank-specific and macroeconomic factors before and during the COVID-19 pandemic (2018-2021). By taking samples from 10 Islamic banks and 20 conventional banks operating in Indonesia, this study found that bank-specific factors consist of Capital Adequacy ratio (CAR), Return on Equity (ROE), and Non-Performing loans (NPL) or credit risk affect the liquidity of Syariah banking. While CAR and NPL have no significant effect on conventional bank liquidity, other bank-specific factors, namely ROE, have a considerable effect on the liquidity risk of conventional banking. Meanwhile, macroeconomic factors (GDP growth and inflation) did not affect the liquidity risk of the two banks. Meanwhile, the dummy variable shows no significant effect on liquidity risk in Islamic and conventional banks related to pandemic conditions. Thus, this research is expected to facilitate bankers in making decisions to improve the quality of liquidity management in the two banking systems. Keywords: Liquidity Risk, Islamic Banks, Conventional Banks, Covid-19. DAFTAR PUSTAKA Abdel Megeid, N. S. (2017). Liquidity risk management: conventional versus Islamic banking system in Egypt. Journal of Islamic Accounting and Business Research, 8(1), 100–128. https://doi.org/10.1108/JIABR-05-2014-0018 Abdul-Rahman, A., Sulaiman, A. A., & Said, N. L. H. M. (2018). Does financing structure affects bank liquidity risk? Pacific-Basin Finance Journal, 52(9), 26-29. https://doi.org/10.1016/j.pacfin.2017.04.004 Adawiyah, N. N., & Azifah, N. (2020). Faktor-faktor yang mempengaruhi likuiditas pada bank umum syariah di Indonesia. Jurnal Ilmiah Ekonomi Bisnis, 25(3), 238–248. https://doi.org/10.35760/eb.2020.v25i3.2663 Almira, N. P. A. K., & Wiagustini, N. L. P. (2020). Return on asset, return on equity, dan earning per share berpengaruh terhadap return saham. E-Jurnal Manajemen Universitas Udayana, 9(3), 1069. https://doi.org/10.24843/ejmunud.2020.v09.i03.p13 Arif, A., & Nauman Anees, A. (2012). Liquidity risk and performance of banking system. Journal of Financial Regulation and Compliance, 20(2), 182–195. https://doi.org/10.1108/13581981211218342 Berger, A.N. and Bouwman, C. H. (2009). Bank liquidity creation. Review of Financial Studies, 22(9), 3779–3837. https://doi.org/10.1093/rfs/hhn104 BPS. (n.d.). Pengertian pendapatan nasional. Retrieved from https://www.bps.go.id/subject/11/produk-domestik-bruto--lapangan-usaha-.html Cahyono, E. F., Rani, L. N., & Mardianto, M. F. F. (2021). Determinants of Indonesian conventional and Islamic bank depositor trust during the covid-19 pandemic. Journal of Islamic Monetary Economics and Finance, 7(1), 1–32. https://doi.org/10.21098/jimf.v7i1.1352 CNBC Indonesia. (2020). LPS: Perbankan hadapi risiko likuiditas ketat & NPL meningkat. Retrieved from https://www.cnbcindonesia.com/news/20200623142740-4-167394/lps-perbankan-hadapi-risiko-likuiditas-ketat-npl-meningkat Dendawijaya, L. (2003). Manajemen perbankan. Bogor: Ghalia Indah. Dinger, V. (2009). Do foreign-owned banks affect banking system liquidity risk? Journal of Comparative Economics, 37(4), 647-657. https://doi.org/10.1016/j.jce.2009.04.003 Fauziana, L., Mulyaningsih, A., Anggraeni, E., M, S. C. Y., & Rofida, U. (2014). Keterkaitan investasi modal terhadap GDP Indonesia. Economics Development Analysis Journal, 3(2), 372–380. https://doi.org/10.15294/edaj.v3i2.3845 Gautam, R. (2016). The Determinants of banks liquidity: Empirical evidence on Nepalese commercial banks. Journal of Interdisciplinary Studies, 2(2), 69–78. Ghenimi, A., Chaibi, H., & Omri, M. A. B. (2021a). Liquidity risk determinants: Islamic vs conventional banks. International Journal of Law and Management, 63(1), 65–95. https://doi.org/10.1108/IJLMA-03-2018-0060 Hanifah, R. U., Ariefiantoro, T., & Suryawardana, E. (2021). Analisis pengaruh non-performing loan (npl), return on asset (roa), return on equity (roe) terhadap risiko likuiditas perbankan. Solusi: Jurnal Ilmiah Bidang Ilmu Ekonomi 19 (3), 234–244. http://dx.doi.org/10.26623/slsi.v19i3.4112 Hidayat, S. E., Farooq, M. O., Nasution, A., & Sari, C. A. (2020). Covid-19 And its impacts on the Islamic financial industry in the OIC countries. In Impacts of COVID-19 Outbreak on Islamic Finance in the OIC Countries (I, pp. 1–11). Jakarta: KNEKS. Ichwan, M. C., & Ryandono, M. N. H. (2016). Faktor-faktor yang berpengaruh terhadap likuiditas bank syariah. Jurnal Ekonomi Syariah Teori dan Terapan, 3(2), 144–157. https://doi.org/10.20473/vol3iss20162pp144-157 Iqbal, A. (2012). Liquidity risk management: A comparative study between conventional and Islamic Banks of Pakistan. Global Journals, 12(5), 55-64. Izadkhasti, H. (2020). The severity & magnitude of the impact of the coronavirus crisis on the Islamic financial industry in Iran. In Impacts of COVID-19 Outbreak on Islamic Finance in the OIC Countries (pp. 53–59). Jakarta: KNEKS. Kamila, N. (2018). Pengaruh kinerja keuangan dan variabel ekonomi makro terhadap likuiditas perbankan (Studi pada industri perbankan di Indonesia tahun 2010-2016). Jurnal Ilmiah Mahasiswa Fakultas Ekonomi dan Bisnis, Ilmu Ekonomi, 1-17. liputan6.com. (2021). Ngeri, krisis ekonomi akibat pandemi covid-19 disebut terburuk dalam sejarah. Retrieved from https://www.liputan6.com/bisnis/read/4647601/ngeri-krisis-ekonomi-akibat-pandemi-covid-19-disebut-terburuk-dalam-sejarah Mariss, E. (2017). Pengaruh return on asset (roa), bopo, financing to deposit ratio (fdr), capital adequacy ratio (car) dan non performing financing (npf) terhadap tingkat bagi hasil deposito mudharabah pada bank umum syariah di Indonesia (Periode 2012-2015). Skripsi tidak dipublikasikan. Jakarta: Sekolah Tinggi Ilmu Ekonomi Indonesia Banking School Meera, A. K. M., & Wirdayanti, Y. N. (2020). The economic costs of the COVID-19 outbreak for Malaysia: A preliminary crude estimate and suggestion for solutions. In Impacts of COVID-19 Outbreak on Islamic Finance in the OIC Countries (pp. 61–69). Jakarta: KNEKS. Muhammad, A. D., & Ismail, A. A. (2020). Impacts of covid-19 on the Islamic finance industry in Nigeria. In Impacts of COVID-19 Outbreak on Islamic Finance in the OIC Countries (pp. 71–79). Jakarta: KNEKS. Muharam, H., & Penta Kurnia, H. (n.d.). Liquidity risk on banking industry: Comparative study between Islamic bank and conventional bank in Indonesia. Al-Iqtishad: Journal of Islamic Economics, 5(2), 207-218. https://doi.org/10.15408/aiq.v5i2.2565 Overby, J., Rayburn, M., & Hammond, K. (2013). Impact, definition of. Encyclopedia of Crisis Management, 16(1), 69–94. https://doi.org/10.4135/9781452275956.n167 Prihatiningsih. (2016). Pengaruh DPK, capital adequecy ratio (CAR), imbal hasil sertifikat bank indonesia syariah (SBIS), imbal hasil sertifikat investasi mudharabah antar bank syariah (SIMA), dan non performing financing (NPF) terhadap financing to deposit ratio (FDR) (studi pada bank umum syariah tahun 2006-2010. Skripsi tidak dipublikasikan. Semarang: Universitas Diponegoro Rahman, M. A., Kusuma, A. Z., & Afryanto, H. (2020). Situasi ketengakerjaan di lapangan usaha yang tedampak covid-19. Catatan Isu Semeru, 1-4. Reyna, T. (2007). Panel data analysis fixed and random effects using stata (v. 4.2). Data & Statistical Services. Massachusetts: Princeton University. Santoso dkk. (2013). Faktor-faktor yang mempengaruhi likuiditas perbankan syariah di Indonesia. Jurnal Ekonomi Universitas Sebelas Maret, 221–231. Shaikh, S. A. (2020). Coping with COVID-19 in Pakistan. In Impacts of COVID-19 Outbreak on Islamic Finance in the OIC Countries (pp. 89–101). Jakarta: KNEKS. Sudarsono, H. (2009). Dampak krisis keuangan global terhadap perbankan di indonesia: Perbandingan antara bank konvensional dan bank syariah. La_riba: Jurnal Ekonomi Islam, 3(1), 12-23 https://doi.org/10.20885/lariba.vol3.iss1.art2 Sukmana;, R., Indrawan;, I. W., & Ajija, S. R. (2020). The impact of covid-19 outbreaks on the Islamic financial industry: Indonesia. In Impacts of COVID-19 Outbreak on Islamic Finance in the OIC Countries (pp. 43–51). Jakarta: KNEKS. Suparmin, A. (2019). Manajemen resiko dalam perspektif Islam. El-Arbah: Jurnal Ekonomi, Bisnis Dan Perbankan Syariah, 2(02), 27–47. https://doi.org/10.34005/elarbah.v2i02.551 Utami, M. S. M., & Muslikhati. (2019). Pengaruh dana pihak ketiga (DPK), capital adequacy ratio (CAR), non-performing financing (NPF) terhadap likuiditas bank umum syariah (BUS) periode 2015-2017. FALAH Jurnal Ekonomi Syariah, 4(1), 33–43. https://doi.org/https://doi.org/10.22219/jes.v4i1.8495 Waemustafa, W., & Sukri, S. (2016). Systematic and unsystematic risk determinants of liquidity risk between Islamic and conventional banks. International Journal of Economics and Financial Issues, 6(4), 1321–1327. https://doi.org/10.6084/m9.figshare.4052316 WHO. (n.d.). Pertanyaan dan jawaban terkait Coronavirus. Retrieved from https://www.who.int/indonesia/news/novel-coronavirus/qa/qa-for-public

The Effect of Zakat Distribution and the Growth of the Halal Industry on the Human Development Index and Its Impact on Indonesia's Unemployment Rate Dul Candra; Baitul Hamdi; Sri Herianingrum; Hafidhotul Amaliyah
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.7928

This paper aims to analyze further the effect of zakat distribution and the growth of the halal industry on the HDI and unemployment rates in Indonesia, as well as to measure and analyze the direct and indirect effects of zakat distribution and the growth of the halal industry on the unemployment rate through the human development index in Indonesia. This research is quantitative research using a path analysis approach. The data sources used are secondary data sources in the form of 2014-2020 time series data published by BAZNAS, Salamgateway, and the Indonesian Central Statistics Agency (BPS). The results of this study show that the distribution of zakat and the growth of the halal industry have no significant effect on Indonesia's HDI. The distribution of zakat and HDI has a significant negative effect on the unemployment rate in Indonesia, while the halal industry positively influences the unemployment rate. The distribution of zakat and the halal industry's growth indirectly have no effect on the unemployment rate through the Human Development Index. The research is expected to contribute to the Indonesian government to use of zakat and the halal industry as an instrument to reduce Unemployment in Indonesia, namely by increasing regulations related to the effectiveness of zakat distribution and the halal industry so that the impact will be even more significant.

Optimizing the Potential of Halal Media and Entertainment in Indonesia: Analysis of Opportunities, Challenges, and Strategic Steps Hamdi, Baitul; Rossy Endah Permata Sari; Sarah Syukri; Wahyuddin Luthfi Abdullah
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 04 (2025): JIEI : Vol. 11, No. 04, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v11i04.17221

This study aims to identify the opportunities and challenges and formulate strategies for developing halal media and entertainment in Indonesia. This research is a library research using a qualitative approach. The study was conducted by reading, reviewing, and analyzing various existing literatures, such as books, journals, news, and research findings. The study results indicate that Indonesia's main opportunities for halal media and entertainment include a significant market potential, global demand for Islamic media content, and the positive influence of social media and digital technology development. However, the industry also faces significant challenges, such as limited definitions and halal standardization, the perception that it limits creativity, the dominance of non-halal content, a lack of innovation, and challenges in filtering and monitoring digital content. To overcome these challenges and optimize potential, the proposed strategies include strengthening the regulatory framework and government policies, improving the quality and diversity of content, developing competent human resources, building an integrated industrial ecosystem, and educating and promoting halal media literacy to the public. Implementing these strategies is expected to drive the industry's growth, contribute to the national economy, and position Indonesia as a global Islamic economy hub.

Aksesibilitas UMKM Terhadap Kredit Usaha Rakyat (KUR) Pada Bank BRI Cabang Payakumbuh Rossy endah Permata Sari; Irma Suryani Indra; Baitul Hamdi
Jurnal Salingka Nagari Vol. 4 No. 2 (2025): Jurnal Salingka Nagari
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jsn.v4i2.370

This study aims to analyze the accessibility of Micro, Small, and Medium Enterprises (MSMEs) within the "Kerupuk Sanjai" sector to the People's Business Credit (KUR) initiative administered by PT Bank Rakyat Indonesia (Persero) Tbk, Payakumbuh Branch. Employing a descriptive qualitative methodology, the research delves into the authentic experiences of MSME operators in securing formal financial resources, with particular emphasis on informational transparency, procedural simplicity, and technical impediments. Data collection involved in-depth interviews and on-site observations. The data were analyzed using the interactive model of Miles and Huberman, which includes data reduction, data display, and conclusion drawing/verification. The results reveal that although KUR is strategically accessible, its utilization remains obstructed by a notable disparity between regulatory frameworks and practical application. Certain entrepreneurs perceive the credit as readily obtainable and advantageous for capital expansion, whereas others encounter difficulties stemming from intricate administrative demands and insufficient financial education. The study posits that augmenting KUR accessibility necessitates not merely competitive interest rates, but also streamlined bureaucratic processes and more assertive engagement by financial entities. Such enhancements are imperative to foster equitable credit dissemination, thereby bolstering the viability of the informal economy in Payakumbuh.

The Efficiency Paradox of Artificial Intelligence A Critical Analysis of Ibn Khaldun's Labor Value Theory Perspective on the Dehumanization of Production Baitul Hamdi; Wahyudin Abdullah; Sarah Syukri
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.9307

Purpose: This study reconstructs Ibn Khaldun's economic thought to address the fundamental challenges presented by the era of Artificial Intelligence and Industry 5.0. It examines the intersection of labor value theory and the concept of ta'awun to critique the dehumanization of production. The research aims to develop a human-centric production framework that integrates technological advancements with Islamic economic ethical principles. Methods: This study uses a qualitative literature review based on a Contextual Hermeneutics approach. The main data comes from the Book of Muqaddimah by Ibn Khaldun, with additional information from the World Economic Forum (WEF) 2025 and the International Labour Organization (ILO) on Generative AI. The analysis combines content analysis and comparative analysis to compare employment dislocation statistics with spiritual concepts and Al-Kasb. Results : The findings indicate that prioritizing total efficiency and zero marginal costs through AI substitution may trigger a Khaldunian Traps, in which the removal of human labor undermines economic value and purchasing power. According to Khaldunian theory, labor constitutes the substance of value; therefore, complete automation generates a value void and diminishes social solidarity (Asabiyyah). Additionally, the "Human-in-the-Loop" model presents a paradox, as it often leads to dehumanization through exploitative microwork. This process undermines the dignity of Kasb and exacerbates structural inequalities, particularly affecting women in the administrative sector. Implications: Consequently, this study recommends that policymakers adopt Industry 5.0 frameworks and AI models aligned with Islamic ethics. Policies must strictly prioritize the development of "labor-augmenting" technologies to prevent social disparity and preserve the integrity of community solidarity.

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