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Development Of Smart Islamic Finance: Synergy Of Artificial Intelligence And Sharia Economic Principles badawi, afif
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 4, No 2 (2025): Jun 2025
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v4i2.25491

Abstract

This research explores the integration of Artificial Intelligence (AI) in the Islamic financial system to create an innovative and sharia principle-compliant Smart Islamic Finance. Using qualitative research methods through literature studies and systems analysis, the findings show that AI can revolutionize four main aspects: (1) automated sharia screening, (2) risk management based on sharia maqashid, (3) optimization of zakat distribution, and (4) big data-based product development. The main challenges include the need to develop algorithms based on fiqh muamalah and handling data bias. This paper presents a conceptual framework for AI-sharia integration as well as policy recommendations for regulators.
Sosialisasi Peran dan Peluang Karir dalam Bidang Ilmu Komputer Bagi Siswa Sekolah Menengah Amin, Muhammad; Badawi, Afif; Hariyanto, Eko; Sarif, Muhammad Irfan
JURIBMAS : Jurnal Hasil Pengabdian Masyarakat Vol 4 No 1 (2025): Juli 2025
Publisher : LKP KARYA PRIMA KURSUS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62712/juribmas.v4i1.484

Abstract

Kegiatan pengabdian masyarakat ini bertujuan untuk memberikan wawasan kepada siswa sekolah menengah mengenai bidang-bidang dalam ilmu komputer serta peluang karir yang dapat ditempuh di masa depan. Latar belakang kegiatan ini didasarkan pada rendahnya pemahaman siswa terhadap ragam profesi di bidang teknologi informasi, padahal sektor ini semakin dibutuhkan di era revolusi industri 4.0 dan society 5.0. Metode pelaksanaan meliputi penyampaian materi secara interaktif melalui ceramah, diskusi, dan pemutaran video edukatif, serta didukung dengan media visual seperti slide dan modul. Strategi penyampaian difokuskan pada pendekatan edukatif dan komunikatif agar mudah dipahami siswa. Evaluasi dilakukan melalui observasi langsung dan kuisioner untuk menilai pemahaman serta antusiasme peserta. Hasil kegiatan menunjukkan tingginya ketertarikan dan pemahaman siswa terhadap bidang ilmu komputer, khususnya pada topik seperti pemrograman, kecerdasan buatan, dan desain aplikasi. Kegiatan ini dinilai berhasil membangun kesadaran akan pentingnya penguasaan teknologi informasi dan membuka peluang untuk kegiatan lanjutan yang lebih aplikatif di bidang literasi digital dan pengembangan karir teknologi.
A Data-Driven MINLP Approach for Enhancing Sustainability in Blockchain-Enabled e-Supply Chains Badawi, Afif; Efendi, Syahril; Tulus, Tulus; Mawengkang, Herman
Journal of Applied Data Sciences Vol 6, No 4: December 2025
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v6i4.889

Abstract

Modern e-supply chains are characterized by increasing complexity and a critical need for enhanced sustainability, transparency, and traceability. Blockchain technology emerges as a significant enabler, offering decentralized, immutable ledgers and smart contracts that can support more secure, verifiable, and environmentally responsible operations through trustworthy data. Despite blockchain's potential, a notable gap exists in the availability of quantitative, data-driven optimization models that rigorously assess the operational and sustainability impacts of its integration into e-supply chains, particularly for complex, non-linear system interactions. This study aims to address this gap by presenting an in-depth analysis of a specific Mixed-Integer Non-Linear Programming (MINLP) optimization model. The goal is to clarify its structure, evaluate its application for an e-supply chain incorporating blockchain features (like transaction costs and conceptual smart contract enforcement for compliance) and sustainability objectives (such as carbon emission reduction), and derive practical insights. The methodology involves a detailed exposition of the MINLP model, followed by its application to a defined e-supply chain scenario. The analytical approach includes computational experiments focusing on a base case analysis to demonstrate model functionality. The broader evaluative framework for this study encompasses benchmarking the model’s performance against a conventional system and conducting sensitivity analyses on key parameters to understand performance trade-offs. The initial base case analysis demonstrates the model's capability to optimize supplier selection and operational plans while adhering to sustainability constraints, such as maintaining carbon emissions at or below 300 kg CO₂ per period, and accounting for blockchain-specific costs like a per-supplier usage fee of 500. The structure of the model and preliminary insights suggest its potential to achieve improved environmental impact compared to conventional systems, balanced against associated blockchain implementation costs. This research provides a detailed examination of a complex MINLP structure, offering a data-driven analytical approach for assessing blockchain's role in sustainable e-supply chains. It furnishes a foundational framework and insights that can guide managerial decisions and strategic planning for industries transitioning towards greener, more transparent, and digitally advanced supply chain operations.
Pelatihan TIK untuk Game Edukatif Bagi GEN-Z di LKP KARYA PRIMA KURSUS Hendry; Badawi, Afif; Dhany, Hanna Willa; Batubara, Supina; Hasanuddin, Muhammad; Khodijah, Siti
JURIBMAS : Jurnal Hasil Pengabdian Masyarakat Vol 4 No 2 (2025): Oktober 2025
Publisher : LKP KARYA PRIMA KURSUS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62712/juribmas.v4i2.649

Abstract

Pelatihan Teknologi Informasi dan Komunikasi (TIK) menjadi salah satu strategi penting dalam meningkatkan keterampilan digital generasi muda, khususnya Gen-Z yang sangat dekat dengan teknologi. Penelitian ini bertujuan untuk mendeskripsikan pelaksanaan pelatihan TIK melalui pengembangan game edukatif di LKP Karya Prima Kursus sebagai sarana pembelajaran kreatif dan interaktif. Metode yang digunakan adalah pendekatan deskriptif dengan mengamati proses pelatihan, keterlibatan peserta, serta hasil akhir berupa produk game edukatif sederhana. Hasil penelitian menunjukkan bahwa pelatihan ini mampu meningkatkan kreativitas, kemampuan berpikir kritis, dan kolaborasi peserta dalam menyelesaikan tantangan berbasis teknologi. Selain itu, peserta merasa lebih termotivasi dalam mengintegrasikan pembelajaran dengan teknologi yang menyenangkan. Kesimpulannya, pelatihan TIK berbasis game edukatif efektif dalam memberikan pengalaman belajar yang relevan, adaptif, serta sesuai kebutuhan Gen-Z dalam menghadapi perkembangan era digital.
Mengintegrasikan Pendidikan dengan Perjuangan: Peran Teungku Chik Muhammad Amin Mardhiah, Ainul; Badawi, Afif; Mutia, Mutia; Ahmad, Syafiqah Solehah Binti
Desultanah: Journal Education and Social Science Vol. 3 No. 2 (2025): desultanah: Journal Education and Social Science
Publisher : Yayasan Putroe Ceudah Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69548/d-jess.v3i2.52

Abstract

This study examines the role of Teungku Chik Muhammad Amin in integrating Islamic education with the struggle against Dutch colonialism in Aceh through Dayah Cot Kala. The lack of specific studies on the integration of education and struggle during the war in Aceh is the purpose of this research, so that this research can complement the previous study on Teungku Chik Muhammad Amin. This study aims to analyze the role of Teungku Chik Muhammad Amin who has combined the teaching of religious science with resistance strategies and formed socio-political awareness among students. The method used is Systematic Literature Review (SLR) to collect and analyze relevant literature in a systematic manner. The results show that Teungku Chik Muhammad Amin succeeded in instilling the value of jihad and fighting spirit, trained military tactics, and built the character of socio-politically conscious scholars-fighters, making education in dayah a strategic base for the resistance of the Acehnese people. Therefore, it can be concluded that the integration of education and struggle made an important contribution to the history of Islamic education and the resistance of Aceh.
Pengenalan Sistem Kendali Robot Line Follower Menggunakan Kendali Jaringan di SMA Swasta Hoyasejahtera Fatemaluo, Jhon Wesli Nofrian; Badawi, Afif
Jurnal Pendidikan Tambusai Vol. 8 No. 2 (2024)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

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

Abstract

Penelitian ini bertujuan untuk mengembangkan sistem kendali robot line follower yang menggunakan kendali jaringan dan memberikan edukasi kepada siswa di SMA Swasta Hoyasejahtera. Metode yang digunakan melibatkan pengembangan perangkat lunak pada mikrokontroler untuk mengolah data dari sensor optik, mengedalikan motor driver L293D, dan mengatur kecepatan serta arah gerakan robot, selain itu, aplikasi adroid digunakan untuk mengirim perintah kendali kerobot melalui jaringan Bluetooth. Hasil uji coba menunjukan bahwa sistem kendali robot line follower ini mampu mengikuti garis dengan akurasi tinggi dan merespon perintah dari pengguna secara real time. Sistem ini memberikan fleksibilitas dalam pengoperasian robot, memudahkan siswa dalam proses pembelajaran teknologi dan pengendalian jarak jauh. Dengan demikian implementasi sistem ini diharapkan dapat meningkatkan pemahaman siswa terhadap teknologi kendali jaringan dan robotika serta memotivasi mereka untuk melakukan inovasi lebih lanjut dibidang ini.
Waqf and Sustainability Efforts: Islamic Philanthropy Against Global Change Rahmayati, Rahmayati; Badawi, Afif
Risalah Iqtishadiyah Vol 3 No 1 (2024): January - June 2024
Publisher : Risalah Iqtisadiyah: Journal of Sharia Economics, Sharia Economics Study Program, STEI Ar Risalah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59107/ri.v3i1.73

Abstract

Waqaf, as an instrument of Islamic philanthropy, has great potential to contribute to social and economic welfare. This research aims to explore the role of waqf in supporting sustainability as a form of Islamic philanthropy in the context of global change. The findings of this research examine waqaf's contribution to sustainability efforts in the face of global change and identify key barriers to effective waqaf implementation. The lack of clear and uniform regulatory standards regarding waqaf in different countries, leading to difficulties in management and enforcement and a lack of knowledge and skills in waqaf management among managers and stakeholders. Blockchain technology offers a solution that can improve the efficiency and effectiveness of waqaf management, by creating a more transparent, accountable and secure system. Therefore, international collaboration and the implementation of modern technologies such as blockchain are necessary to maximize waqaf's contribution in facing global change and achieving sustainability goals.
The Influencing Of Understanding Profit Sharing And Understanding Margin On Islamic Financial Behaviour Rahmayati, Rahmayati; Mujiatun, Siti; Hayati, Isra; Badawi, Afif
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 10, No 1 (2024): JUNI 2024
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v10i1.12977

Abstract

This research aims to determine and analyze the influence of understanding profit sharing and margins on Sharia financial behavior according to the understanding of the public and employees of Bank Syariah Indonesia, Pematang Siantar City. The implication is customers who possess greater financial literacy about these concepts may make better decisions and select investment products that better suit their moral convictions and financial objectives. This thesis's research type is quantitative, and the data used is primary. The population used in this research was the local community and BSI Pematang Siantar City employees, totaling 150 people, and the sampling technique used the Slovin formula with n=109. Data analysis techniques using descriptive tests, data quality tests, classical assumption tests, multiple linear regression analysis, and hypothesis testing. The data processing uses the SPSS version 22.0 program. The research results show that: (1) The model estimation shows that the R Square value is 0.775. This means that 77.5% of the independent variables in this model influence the dependent variable. Other variables outside this model influence the remaining 22.5%; (2) The regression model shows that understanding profit sharing significantly affects Sharia financial behavior, and understanding margin significantly affects Sharia financial behavior.
Implementasi Algoritma C45 Tingkat Kepuasan Terhadap Peradilan Syar'iyah (Studi Kasus Mahkamah Syar'iyah Kutacane) Mahkamah; Supiyandi; Badawi, Afif
Jurnal Komputer Teknologi Informasi Sistem Komputer (JUKTISI) Vol. 4 No. 3 (2026): Februari 2026
Publisher : LKP KARYA PRIMA KURSUS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62712/juktisi.v4i3.868

Abstract

Pelayanan publik yang berkualitas merupakan faktor penting dalam membangun kepercayaan masyarakat terhadap lembaga peradilan. Mahkamah Syar’iyah Kutacane sebagai lembaga peradilan agama memiliki peran strategis dalam memberikan pelayanan hukum yang profesional, transparan, dan berkeadilan. Penelitian ini bertujuan untuk mengevaluasi tingkat kepuasan masyarakat terhadap pelayanan Mahkamah Syar’iyah Kutacane menggunakan pendekatan data mining dengan algoritma C4.5 serta mengidentifikasi atribut pelayanan yang paling dominan memengaruhi kepuasan masyarakat. Data penelitian berasal dari Survei Kepuasan Masyarakat (SKM) sebanyak 178 responden yang terdiri atas sembilan atribut pelayanan, yaitu persyaratan, prosedur, waktu pelayanan, biaya, produk layanan, kemampuan petugas, perilaku petugas, penanganan pengaduan, serta sarana dan prasarana. Data dibagi menjadi 144 data training dan 34 data testing. Proses pengolahan data dilakukan melalui tahapan preprocessing, transformasi, pembentukan model decision tree, dan evaluasi kinerja model. Hasil penelitian menunjukkan bahwa atribut sarana dan prasarana merupakan faktor paling dominan dalam menentukan kepuasan masyarakat dengan nilai Gain Ratio tertinggi sebesar 0,6160. Model klasifikasi yang dibangun menghasilkan tingkat akurasi sebesar 88,24%, yang menunjukkan kinerja sangat baik dalam memprediksi tingkat kepuasan masyarakat. Penelitian ini membuktikan bahwa algoritma C4.5 efektif digunakan sebagai alat bantu pengambilan keputusan berbasis data dalam evaluasi dan peningkatan kualitas pelayanan publik di lingkungan peradilan agama.
Implementation of Blockchain Technology to Enhance Transparency and Sharia Compliance in Islamic Financial Institutions in Indonesia badawi, afif
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 5, No 1 (2026): Jan 2026
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v5i1.28997

Abstract

Islamic financial institutions in Indonesia continue to face structural challenges in ensuring transparency and consistent Sharia compliance due to the limitations of centralized information systems, which are prone to manipulation, limited auditability, and weak verification mechanisms. In the context of Indonesia’s rapidly expanding Islamic finance sector—valued at over USD 130 billion—and supported by the world’s largest Muslim population, the adoption of advanced digital technologies has become increasingly urgent. This study investigates the implementation of blockchain technology as a transformative instrument to enhance transparency, strengthen Sharia compliance, and modernize operational governance within Indonesian Islamic financial institutions. Employing a mixed-methods research design, the study integrates qualitative case studies of three major Islamic banks with quantitative analysis of blockchain implementation outcomes. Data were obtained through semi-structured interviews with 45 key stakeholders, including Sharia scholars, bank executives, IT professionals, and regulators, supported by technical evaluations of blockchain pilot programs and comparative system analysis. The findings demonstrate that blockchain adoption significantly improves real-time auditability, accelerates Sharia compliance verification processes, and enhances stakeholder trust through immutable transaction records and automated smart-contract mechanisms. Permissioned blockchain architectures are identified as the most suitable model for Islamic banking contexts, balancing transparency, data privacy, and regulatory requirements. This research offers a comprehensive framework for blockchain integration in Islamic finance and provides strategic insights for policymakers and practitioners seeking sustainable digital transformation.