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INOVASI PRODUK DAN LAYANAN KEUANGAN SYARIAH DI ERA DIGITAL Takwim, Ahsani; Lestari, Dinda; Maharani, Filiya Novita; Prasetya, Iip; Anggraeni, Lasnia Sisma
Jurnal Ekonomi & Bisnis Vol. 12 No. 2 (2024): Jurnal Ekonomi & Bisnis
Publisher : Pusat Riset dan Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58406/jeb.v12i2.1735

Abstract

The advancement of digital technology has caused significant changes in many industries, including the Islamic banking sector. The digital era has created new opportunities for sharia banks to innovate in developing products and services that are more accessible, efficient, and in accordance with Islamic principles. This research uses a qualitative method with a literature study approach. Literature sources can be obtained from books, journals, magazines, research results (thesis and dissertation), and other relevant sources (internet, newspapers, etc.). The research findings showed that innovation of products and services related to sharia finance in the digital era has significant potential to increase financial accessibility, improve operational efficiency, increase transparency, develop products and services that are more in line with the needs of micro, small, medium and large enterprises, and increase awareness of financial products. This article provides guidance on how to improve innovation of products and services related to sharia banking in the digital era, such as improving more personalized products and services, improving standards of financial education and literacy.
Information Technology Risk Management of ABC Application At University Using ISO 31000:2018 Linggih Jaelani, Widi; Takwim, Ahsani; Sari, Titania; Wijayanti, Diyah; Fajri Pratama, Satrya
JESII: Journal of Elektronik Sistem InformasI Vol 3 No 1 (2025): JOURNAL ELEKTRONIK SISTEM INFORMASI (JUNE)
Publisher : Departement Information Systems Universitas Kebangsaan Republik Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31848/jesii.v3i1.4093

Abstract

Information technology (IT) plays a critical role in supporting operations and decision-making in higher education institutions. At Universitas Teknologi Bandung (UTB), reliance on IT systems for academic administration, online learning, and data management has increased the risk of security incidents such as clickjacking, unrestricted file uploads, cross-site scripting (XSS), misconfiguration, excessive data exposure, and server downtime. This study applies the ISO 31000:2018 risk management framework to systematically identify, assess, and analyze IT security risks in UTB’s information systems. Using a 5x5 risk matrix, risks were evaluated based on probability and impact, revealing that moderate risks dominate, primarily from clickjacking, XSS, unrestricted file upload, and server downtime incidents, while misconfiguration and excessive data exposure represent low-level risks requiring ongoing monitoring. Common causes include weak input/output validation, insecure system configurations, and inadequate access controls and data sanitization. Proposed mitigation efforts focus on rigorous source code review before publication, regular penetration testing every 3 to 6 months, and increased awareness of security policies and potential incidents. The findings aim to enhance IT risk management practices at UTB, contributing to stronger governance and the protection of institutional data amid growing digital transformation.
EXPLAINABLE AI SEBAGAI SOLUSI BLACK BOX EFFECT DALAM KECERDASAN BUATAN Takwim, Ahsani; Sulaeman, Hena
SEMINAR TEKNOLOGI MAJALENGKA (STIMA) Vol 9 (2025): Seminar Teknologi Majalengka (STIMA) 9.0 Tahun 2025
Publisher : Universitas Majalengka

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

Abstract

The black box effect in artificial intelligence models has raised serious concerns regarding transparency and accountability. Explainable Artificial Intelligence (XAI) has emerged as a solution by offering interpretability and clearer reasoning in complex models. This study aims to analyze the development of XAI research and identify dominant approaches used to overcome the limitations of black box models. A bibliometric method was applied using data from the Scopus database, focusing on publication trends, author keywords, and frequently applied methods. The analysis shows that research on XAI has grown rapidly, with the number of publications increasing more than tenfold within the observed period. The trend demonstrates that interpretability is becoming a central aspect of artificial intelligence research. Keyword analysis highlights the strong association of XAI with machine learning and deep learning, while method analysis reveals that SHAP and LIME are the most dominant techniques, supported by Grad CAM and Surrogate Models in more specific applications. These findings confirm that XAI is not only an academic discourse but also an urgent response to the challenges of modern AI systems, ensuring that models are not only accurate but also transparent, understandable, and trustworthy for decision making.
Analisis Tren Pencarian Artificial Intelligence di Indonesia Menggunakan Google Trends pada Periode 2020–2025 Takwim, Ahsani
CORISINDO 2025 Vol. 1 (2025): Prosiding Seminar Nasional CORISINDO 2025
Publisher : CORISINDO 2025

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/corisindo.v1.5643

Abstract

Perkembangan Artificial Intelligence (AI) di Indonesia semakin pesat seiring meningkatnya adopsi teknologi generatif. Penelitian ini bertujuan untuk menganalisis tren pencarian istilah terkait AI di Indonesia pada periode 2020–2025 dengan menggunakan data sekunder dari Google Trends. Kata kunci yang dianalisis mencakup istilah umum (Artificial Intelligence, AI, Kecerdasan Buatan) dan istilah AI generatif (ChatGPT, Gemini, Claude, DeepSeek). Metode penelitian dilakukan dengan pendekatan kuantitatif deskriptif melalui pemrosesan data tren pencarian, visualisasi time series, heatmap, dan analisis rata-rata popularitas per tahun. Hasil penelitian menunjukkan bahwa istilah Artificial Intelligence mendominasi pencarian sejak 2020, sementara istilah AI mengalami lonjakan signifikan mulai 2022. Pada kategori AI generatif, ChatGPT menjadi kata kunci paling dominan dengan puncak popularitas pada 2023, sedangkan Gemini, Claude, dan DeepSeek baru menunjukkan peningkatan pada 2024–2025. Secara keseluruhan, temuan ini memperlihatkan adanya pergeseran fokus publik dari pencarian definisi dasar AI menuju eksplorasi penggunaan praktis dan perbandingan antar platform AI generatif. Penelitian ini memberikan kontribusi dalam memahami literasi digital masyarakat Indonesia serta dapat menjadi dasar pengembangan kebijakan dan riset lanjutan terkait adopsi teknologi AI.
The Relevance of Islamic Jurisprudence (Fiqh) in Tackling Modern Issues Takwim, Ahsani; Farah, Fatimah Farah Yousif; Risma, Dian Elfiani; Mildawati, Titi
Journal of Islamic Studies and Education Vol. 4 No. 1 (2025)
Publisher : Presscience

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63120/jise.v4i1.102

Abstract

This research explores the ongoing significance of Islamic law (fiqh) in tackling modern ethical challenges, including those arising from digital advancements, biotechnology, environmental changes, and shifting socio-economic frameworks. The study examine how fiqh adjusts to matters like digital financial systems, AI in medical decision-making, and bioethical challenges by integrating maqāṣid al-sharī‘ah and modern ijtihad. Utilizing a Systematic Literature Review (SLR), the research integrates fiqh with modern academic work to assess changes in methodology within Islamic law. The review highlights a notable transition from solely textual reasoning to a Maqāṣid al-Sharī‘ah that emphasizes public interest, justice, and contextual significance. Research indicates that collaborative and interdisciplinary approaches to ijtihad have become crucial for tackling complex modern ethical challenges, especially in areas that demand scientific and technological knowledge. Fiqh institutions are increasingly utilizing collective reasoning to guarantee trustworthy, evidence-based legal results. The research also underscores the increasing significance of fiqh in the ethics of the digital economy, bioethical oversight, and environmental management, where fiqh align with international standards. Despite this advancement, a significant research gap continues to exist in the practical use of Maqāṣid al-Sharī‘ah in policy, technology regulation, and actual legal decisions. In summary, the research finds that fiqh remains significantly relevant today when examined through vibrant, maqāṣid-oriented, and interdisciplinary approaches. Enhancing empirical and practical research is essential to guarantee that Islamic law remains a responsive, ethical, and solution-driven framework for addressing modern ethical challenges.