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All Journal Paradoks : Jurnal Ilmu Ekonomi DECISION : Jurnal Ekonomi dan Bisnis
Rasmi Nur Anggraeni
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Artificial Intelligence and Financial Regulation in Indonesia’s Islamic Banking: a Systematic Literature Review Muhammad Bashri Bas; Rika Febby Rhamadhani; Rasmi Nur Anggraeni; I Putu Edi Darmawan; Phatra Anggana Djuri
Paradoks : Jurnal Ilmu Ekonomi Vol. 8 No. 3 (2025): May - July
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v8i3.1519

Abstract

The integration of Artificial Intelligence (AI) into Islamic financial products marks a transformative shift in the global financial ecosystem, particularly in Indonesia, where Islamic finance constitutes a vital pillar of the national economy. This study conducts a systematic literature review to explore the evolving intersection between AI technologies and Islamic financial systems, with a specific focus on implications for Indonesia’s regulatory and institutional landscape. Employing a qualitative-descriptive approach, the study examines the types, phases, and functional characteristics of AI, as well as the operational principles and structures of Islamic financial products, including murabaha, mudarabah, and sukuk. Findings indicate that AI has the potential to significantly improve operational efficiency, enhance transparency, facilitate real-time decision-making, and expand financial accessibility among underserved Muslim populations. However, the integration of AI also raises important concerns, particularly regarding Shariah compliance, data ethics, algorithmic bias, and regulatory readiness. The study highlights gaps in existing regulatory frameworks, including the lack of AI-specific guidelines within the current Islamic finance governance structures. To address these challenges, the paper proposes a set of policy recommendations, such as developing Shariah-aligned AI standards, enhancing collaboration between regulators and fintech developers, and fostering capacity-building among Islamic finance professionals. By ensuring that AI implementation aligns with Islamic ethical values, Indonesia can position itself as a leader in sustainable, inclusive, and innovation-driven Islamic finance in the digital era.
Pengaruh PENGARUH PENGGUNAAN BUY NOW PAY LATER TERHADAP GAYA HIDUP KONSUMTIF GENERASI Z Muhamad ifan; Rasmi Nur Anggraeni
DECISION : Jurnal Ekonomi dan Bisnis Vol. 6 No. 2 (2025): DECISION : Jurnal Ekonomi dan Bisnis
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31850/decision.v6i2.3966

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh penggunaan layanan Buy Now Pay Later (BNPL) terhadap gaya hidup konsumtif Generasi Z. Meningkatnya penggunaan platform BNPL seperti Shopee PayLater, GoPayLater, dan Kredivo memberikan kemudahan dalam bertransaksi yang dapat mendorong perilaku pembelian impulsif, khususnya pada Generasi Z yang sangat adaptif terhadap teknologi digital. Penelitian ini menggunakan pendekatan kuantitatif dengan desain asosiatif. Data dikumpulkan melalui penyebaran kuesioner online kepada 100 responden berusia 17–28 tahun yang telah menggunakan layanan BNPL dalam enam bulan terakhir. Analisis data dilakukan dengan regresi linier sederhana menggunakan bantuan perangkat lunak SPSS versi 26. Hasil penelitian menunjukkan bahwa penggunaan BNPL berpengaruh positif dan signifikan terhadap gaya hidup konsumtif Generasi Z dengan nilai koefisien determinasi (R²) sebesar 0,381. Hal ini berarti 38,1% variasi gaya hidup konsumtif dapat dijelaskan oleh penggunaan BNPL, sementara 61,9% dipengaruhi oleh faktor lain di luar penelitian ini. Selain itu, sebagian besar responden mengaku pernah membeli barang yang tidak dibutuhkan karena promosi BNPL dan merasakan peningkatan beban keuangan setelah menggunakannya secara rutin. Temuan ini menunjukkan bahwa semakin sering Generasi Z menggunakan layanan BNPL, semakin tinggi kecenderungan mereka untuk berperilaku konsumtif. Penelitian ini menekankan pentingnya peningkatan literasi keuangan untuk meminimalkan dampak negatif penggunaan BNPL dan mendorong perilaku keuangan yang lebih bijak di kalangan generasi muda.
Co-Authors I Putu Edi Darmawan Muhamad ifan Muhammad Bashri Bas Phatra Anggana Djuri Rika Febby Rhamadhani