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All Journal Value Added: Majalah Ekonomi & Bisnis Journal of Islamic Studies and Humanities Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen al-Afkar, Journal For Islamic Studies KEUDA : JURNAL KAJIAN EKONOMI DAN KEUANGAN DAERAH Journal of Indonesian Tourism, Hospitality and Recreation JESI (Jurnal Ekonomi Syariah Indonesia) Jurnal Public Policy International Journal of Zakat (IJAZ) Jurnal Al Azhar Indonesia Seri Ilmu Sosial Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Bertuah : Jurnal Syariah dan Ekonomi Islam AL-ARBAH: Journal of Islamic Finance and Banking Journal of Islamic Economics and Philanthropy Jurnal Ekonomi KIAT Journal of Islamic Economic and Business Research Al Dzahab Al Fiddhoh: Journal of Banking, Insurance, and Finance Ijtimā`iyya: Journal of Muslim Society Research Unisia Constitution Journal Sanskara Akuntansi dan Keuangan JIPM: Jurnal Indragiri Penelitian Multidisiplin Jurnal Multidisiplin West Science The Es Economics and Entrepreneurship Journal of Central Banking Law and Institutions Jurnal Adijaya Multidisiplin Sanskara Manajemen dan Bisnis Eastasouth Journal of Impactive Community Services Jurnal Pengabdian West Science West Science Journal Economic and Entrepreneurship Journal of Business and Political Economy: Biannual Review of The Indonesian Economy Review Journal Middle East and Islamic Studies Imara: Jurnal Riset Ekonomi Islam INASJIF Neraca Manajemen, Akuntansi, dan Ekonomi Constitution Journal West Science Islamic Studies Jurnal Magister Ekonomi Syariah Maklumat: Journal of Da'wah and Islamic Studies PRIMER: Jurnal Ilmiah Multidisiplin Al-Fadilah: Islamic Economics Journal Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Al-Risalah Jurnal Studi Agama dan Pemikiran Islam Ulil Albab International Journal of Islamic Finance (IJIF) Journal of Islamic Economics and Business Ethics International Journal of Kita Kreatif Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah INTEGRATIVE: Journal of Economics, Management, Business and Accounting
Zulfikar Hasan
Department Of Islamic Banking IAIN Datuk Laksemana Bengkalis Riau, Indonesia
Religion Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Physics Public Health Social Sciences Other

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HOW DO ISLAMIC BANKING STAKEHOLDERS INTERPRET THE ETHICAL AND SHARIA IMPLICATIONS OF ARTIFICIAL INTELLIGENCE ADOPTION? A QUALITATIVE STUDY IN INDONESIA Imam Arif Murfih Ali Moch Ridho; Zulfikar Hasan
INTEGRATIVE : Journal of Economics, Management, Business and Accounting Vol. 1 No. 1 (2026): Journal of Economics, Management and accounting studies
Publisher : CV. Visionary Raya Sakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67983/integrative.v1i1.27

Abstract

The integration of artificial intelligence (AI) within Islamic banking is accelerating, yet its ethical and Sharia implications remain insufficiently understood. This study explores how key Islamic banking stakeholders in Indonesia— including regulators, Sharia Supervisory Board (SSB) members, Islamic bank executives, fintech developers, and ethics scholars—interpret the moral, regulatory, and jurisprudential meaning of AI adoption. Adopting an interpretivist qualitative design, data were collected through semi-structured interviews and analyzed using NVivo through open, axial, and selective coding. The findings reveal three interrelated themes: (1) AI is perceived as a strategic enabler of efficiency, financial inclusion, and institutional competitiveness; (2) ethical and Sharia ambiguities emerge in areas related to algorithmic intention, explainability, fairness, bias, and the legitimacy of machine-based decision-making; and (3) trust and governance are central to acceptance, with stakeholders expecting continuous oversight, transparency, and alignment with maqāṣid al-sharīʿah. The study concludes that AI adoption in Islamic banking requires more than technological readiness—it necessitates a tailored responsible AI governance model grounded in Islamic jurisprudence. The research contributes to emerging discourse on Islamic digital ethics and offers actionable implications for regulation, Sharia governance, and responsible AI implementation.
Sustainable Tourism as a Strategy for Destination Resilience: A Qualitative Study of Community-Based Tourism Zulfikar Hasan; Mahadir Mohamad
International Journal of Kita Kreatif Vol 3, No 3 (2026): International Journals Kita Kreatif Vol.3 No.3 Agustus 2026
Publisher : Universitas Syiah Kuala

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Abstract

This study investigates the role of sustainable tourism in strengthening destination resilience through community-based tourism, with particular attention to the mechanisms that help destinations respond to crises and uncertainty. A qualitative research approach was adopted, involving semi-structured interviews with tourism stakeholders—including community leaders, tourism entrepreneurs, destination managers, government representatives, and tourism professionals—selected through purposive sampling. NVivo-assisted thematic analysis was conducted to identify recurring themes and relationships. The results show that sustainable tourism enhances destination resilience through community participation, adaptive capacity, socio-cultural sustainability, and collaborative governance. Community involvement fosters local ownership and economic flexibility, while sustainable practices and cooperation among stakeholders improve crisis response, recovery, and long-term transformation. Because the study draws primarily on qualitative perspectives from community-based tourism contexts, the findings may not be directly transferable to other tourism settings. The findings suggest that policymakers and tourism practitioners should incorporate community empowerment, sustainable practices, socio-cultural preservation, and collaborative governance into long-term destination resilience planning. The study’s originality lies in offering a community-centered qualitative explanation of how sustainable tourism functions not only as an environmental or development approach but also as an integrated mechanism for creating adaptive and resilient tourism destinations.
Co-Authors Ade Rosita Afriyadi Ahmad Azam Sulaiman Ahmad Syukri Aiza Zulmairoh Amelia Ripal Angga Dasma Hendra Anugrah, Resti Arbaia Arbaia Arbaia, Arbaia Asta, Sephia Septiana Bobby Syuhada Bobby Syuhada Daniel Happy Putra Delia Desvianti Dinda Sri Dewi Lestari Diska Sendi Marisna Disti Marta Rini Endah Dwi Jayanti Feby Syahira Hamdani Hamdani Hasanah, Riska Ardila Ika Kurnia Sofiani Imam Arif Murfih Ali Moch Ridho Indira, Nur Irda Listiawati Irlina Dewi Irnaldi Irzan Surohman Julia Sukma Kamiluddin Kamiluddin Kamiluddin Kamiluddin Kamiluddin Kamiluddin Kamiludin, Kamiludin Kheqal Fitradinata Khotimatul Anisa Khozinatul Asrori Koni Piranda Linda Astuti, Linda Lisa Purnama Putri Listiawati, Irda M. Fadil Iqbar Mahadir Mohamad Mahadir Mohamad Mardiana Safitri Marisna, Diska Sendi Marta Rini, Disti Melisa Melisa Melisa Mercy Gusriyani Mhd Syahrizan Mistari Br Harianja Mohd Helmi Ali Muhamad Abduh Muhammad Fadhli Muhammad Irfan Syah Muhammad Rizky Anes Muhardi, Sona Muslim Muslim Mutia Rosiana Nita Putri Mutia Rosiana Nita Putri Nazri Nor Razinah Binti Mohd. Zain Norpatiha Norpatiha Nur Azlina Nur Azlina Nur Hidayati Nur Indira Nur Indira Nur Indira Nur Umida Nurul Syahira Nurulia Ramadhani Oliv Rezfani Puji Afriyeni Ratiwi, Ratiwi Reni Ayu Anggriani Reno Firdaus Reski Lestari Resti Anugrah Revita Sari Rini, Disti Marta Rino Riyaldi Risma Junita, Risma Riyandi Fatur Nugraha Romzie Rosman Rosita, Ade Said Rizki Suhendra Saifunnajar Saifunnajar Seri Wahyuni Serliana Sri Ika Mulia Sri Wahyuningsih Suci Hijriyati Supriyadi Surohman, Irzan Susanto, Erik Suzaini Suzaini Suzaini, Suzaini Syahira, Feby Takwa, Wardina Huma Taufik Taufik Trisna Eka Sari Wardina Huma Takwa Wulan Anis Mawati Yuliana Yuliana Yuni Dhea Utari