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DIGITALISASI SISTEM PEMBAYARAN DALAM PERSPEKTIF EKONOMI ISLAM: TINJAUAN SISTEMATIS KEABSAHAN E-WALLET DAN CRYPTOCURRENCY Narendra Ridha Baihaqi; Herbert Siregar; Muhammad Haikal Ali
Indonesian Scientific Journal of Islamic Finance Vol. 4 No. 2 (2026): Indonesian Scientific Journal of Islamic Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business (FEBI), State Islamic University of Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v4i2.12610

Abstract

The rapid development of financial technology has significantly transformed modern payment systems, particularly through the use of digital money such as e-wallets and cryptocurrencies. These innovations offer efficiency, speed, and convenience in transactions; however, they also raise debates regarding their compliance with Islamic economic principles. This study aims to systematically analyze the concept of digital money, its sharia legitimacy, implementation challenges, and development strategies from the perspective of Islamic economics. This research employs a Systematic Literature Review (SLR) method by examining scholarly articles obtained from Google Scholar and Scopus databases. The literature selection process follows the PRISMA framework with clearly defined inclusion and exclusion criteria, resulting in a set of relevant articles analyzed based on five research questions. The findings indicate that e-wallets are generally acceptable within Islamic economics, provided they are supported by clear contractual structures, transparent fee mechanisms, and are free from elements of riba, gharar, and maysir. In contrast, cryptocurrencies remain subject to ongoing debate due to their high price volatility and speculative characteristics, leading many studies to position them more as digital assets rather than legitimate mediums of exchange. The main challenges in implementing sharia-compliant digital money include regulatory limitations, low levels of Islamic financial literacy, and the integration of digital features that may deviate from sharia principles. Therefore, the development of Islamic digital money should be guided by the maqāṣid al-sharÄ«”˜ah framework to ensure justice, asset protection, and social welfare.
Disruption by AI and No-Code Platforms on Traditional IT Business Models: Challenges and Entrepreneurial Opportunities Muhamad Sabil Fausta; Herbert Siregar; Madelyne Angelica
International Journal of Entrepreneurship, Business, and Creative Economy Vol. 6 No. 1 (2026): January
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijebce.v6i1.3450

Abstract

Disruption brought by Artificial Intelligence (AI) and No-Code/Low-Code (NCLC) platforms has significantly transformed traditional business models in the Information Technology (IT) industry. These technologies are not only reshaping software development methods but also redefining value creation frameworks and entrepreneurial trajectories. This study aims to identify key adaptation challenges and entrepreneurial opportunities resulting from these shifts. Through a systematic literature review of 22 Scopus-indexed publications, the study reveals that IT firms face critical issues including workforce reskilling, shifts in revenue models, and organizational resistance to change. Simultaneously, new opportunities arise in areas such as AI consultancy services, tailored NCLC platform development, and disruptive product innovation. By synthesizing the implications of AI and NCLC disruptions, this paper provides strategic insights for academics and practitioners seeking to navigate and leverage digital transformation in emerging digital markets, with a particular focus on small and medium-sized enterprises (SMEs) across Southeast Asia.
An Optimized YOLOv7-Based Object Detection Framework Leveraging Low-Light Image Enhancement to Improve Accuracy Rasim Rasim; Farhan Nurzaman; Yaya Wihardi; Herbert Siregar; Samialloi Nusratullo
ILKOM Jurnal Ilmiah Vol 18, No 2 (2026)
Publisher : Prodi Teknik Informatika FIK Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33096/ilkom.v18i2.3102.207-220

Abstract

Low-light environments remain a persistent challenge in computer vision, often leading to notable degradation in object detection performance. This is primarily caused by reduced contrast, increased noise, and the loss of critical visual details, all of which hinder reliable feature extraction. To address these limitations, this study proposes an integrated framework that combines Zero-Reference Deep Curve Estimation (Zero-DCE) for adaptive image enhancement with the YOLOv7 architecture for efficient and accurate object detection. The study was conducted through a structured pipeline consisting of several key stages: (1) preparation of the ExDark, NOD, and LOD datasets; (2) preprocessing, including annotation and labelling; (3) low-light image enhancement using Zero-DCE; (4) dataset selection, partitioning, and utilization; (5) image resizing to ensure model compatibility; (6) model development, comprising both a baseline YOLOv7 model and an enhanced Zero-DCE + YOLOv7 configuration; and (7) performance analysis and evaluation using mean Average Precision (mAP) as the primary metric. Experimental results demonstrate that the integration of Zero-DCE with YOLOv7 improves detection performance, with mAP@0.5 increasing from 0.785 in the baseline model to 0.794. Although the improvement is modest, it is consistent and indicates the effectiveness of incorporating illumination enhancement into the preprocessing stage. In addition, this study’s contribution lies in demonstrating that the proposed framework enhances the robustness of object detection systems under challenging lighting conditions without incurring significant computational overhead.
Human-in-the-Loop Request-Response Access Control for Mobile Smart School Information Systems: A TAM Evaluation Muhamad Irfan; Herbert Siregar; Ani Anisyah
Jurnal Pseudocode Vol 13 No 2 (2026): Volume 13 Nomor 2 September 2026
Publisher : UNIB Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33369/pseudocode.13.2.150-163

Abstract

Digital transformation in Islamic boarding schools (pesantren) presents a distinctive information-governance challenge because parental demands for access to students' academic information must coexist with institutional policies, teacher verification processes, and restricted student use of personal mobile devices. Existing educational information systems generally provide either role-based access without approval workflows or fragmented monitoring services, while structured authorization mechanisms incorporating professional human judgment remain insufficiently explored in this context. This study proposes a mobile-based Smart School Information System that introduces a Human-in-the-Loop Request–Response access control mechanism to regulate parental access to sensitive academic information while preserving institutional governance. The system was developed using a Research and Development (R&D) approach integrated with a prototyping methodology, employing Flutter as the cross-platform mobile framework and Laravel as the REST API backend with Laravel Sanctum token-based authentication. Functional performance was evaluated through Black Box Testing comprising 45 role-based scenarios, with seven critical scenarios reported in detail, while user acceptance was assessed using the Technology Acceptance Model (TAM) involving 59 respondents representing parents, teachers, homeroom teachers, ustadz, and school administrators. The 45 role-based functional test scenarios achieved a 100% success rate, indicating that the implemented functions operated according to their specified requirements. TAM analysis revealed that Perceived Usefulness (β = 0.390, p < 0.001), Perceived Ease of Use (β = 0.324, p < 0.001), and Attitude Toward Using (β = 0.308, p = 0.002) significantly influenced Behavioral Intention to Use, with a coefficient of determination (R²) of 0.734. These findings demonstrate positive user acceptance of the implemented system and confirm that the Request–Response authorization workflow operated according to its specified functional rules. The results provide functional and user-acceptance evidence for the implementation of the proposed mechanism in the studied pesantren context, rather than establishing the broader effectiveness of the mechanism in balancing information privacy and institutional governance. This study contributes a Human-in-the-Loop Request–Response authorization framework that extends conventional Role-Based Access Control (RBAC) by incorporating structured human decision-making into educational information systems. Keywords: Flutter; Human-in-the-Loop; Request–Response Access Control; Smart School; Technology Acceptance Model
Rancang Bangun Platform WebGIS Direktori dan Promosi UMKM Kuliner Menggunakan Metode R&D dan Content-Based Filtering Adrian Mulianto; Herbert Siregar; Ani Anisyah
Jurnal Pseudocode Vol 13 No 2 (2026): Volume 13 Nomor 2 September 2026
Publisher : UNIB Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33369/pseudocode.13.2.164-176

Abstract

Culinary Micro, Small, and Medium Enterprises (MSMEs) around Universitas Pendidikan Indonesia (UPI) face challenges in digital promotional visibility, while the academic community experiences information overload. This study aims to design and implement a WebGIS platform for culinary directories and promotion using the Research and Development (R&D) method with the ADDIE model. The platform integrates a Content-Based Filtering (CBF) algorithm that processes users’ explicit and implicit preference data via Weighted Category Scoring, a 50% Spillover Effect, and a 4-3-3 proportional allocation pattern. The resulting WebGIS platform features interactive Leaflet.js mapping, OSRM Live Tracking route navigation, and crowdsourcing, achieving a 100% pass rate in Black Box testing across 17 modules. Computational evaluation of the CBF algorithm using scenario-based state-transition testing and sensitivity analysis covered 10 sessions, three sequential checkpoints, and nine configurations, resulting in 270 evaluation runs. The evaluation produced Precision@10 values of 97.00%, 2.56%, and 90.78% at Checkpoints A, B, and C, respectively, while accumulated interactions at Checkpoint C achieved a new-category adoption rate of 90.37%. Usability evaluation involving 30 primary end-users via the USE Questionnaire resulted in a TCR of 90.62% (Very Good). Furthermore, the User Experience Questionnaire (UEQ) administered to 27 valid respondents revealed that all six scales (Attractiveness: 1.98, Perspicuity: 2.15, Efficiency: 1.98, Dependability: 1.77, Stimulation: 1.66, Novelty: 1.66) achieved an Excellent benchmark rating. Keywords: Content-Based Filtering; Culinary MSMEs; Research and Development; User Experience Questionnaire; WebGIS.
Tren, Tantangan, dan Arah Pengembangan Penelitian Cloud Security Perspektif Bibliometrik Sabila Rosad; Herbert Siregar; Jajang Kusnendar
Jurnal Nasional Teknologi dan Sistem Informasi Vol 12 No 2 (2026): Agustus 2026
Publisher : Departemen Sistem Informasi, Fakultas Teknologi Informasi, Universitas Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/TEKNOSI.v12i2.2026.251-265

Abstract

The accessibility, flexibility, and scalability offered by cloud computing have driven the increasing adoption of cloud technology across various sectors, including business, healthcare, education, and industry. However, despite these advantages, cloud environments remain vulnerable to security threats such as data breaches, cyberattacks, unauthorized access, and service disruptions. These challenges have contributed to the rapid growth of research related to cloud security in recent years. This study aims to analyze research trends, themes, and research gaps in the field of cloud security using a Systematic Literature Review (SLR) and bibliometric analysis approach. A total of 76 open-access articles indexed in Scopus from the 2022–2025 period were analyzed using the Biblioshiny tool. The results indicate that research themes are dominated by approaches related to intrusion detection, network security, and the application of machine learning and deep learning for security threat detection. In addition, cryptographic techniques remain an important approach for data protection in cloud environments. The thematic map analysis reveals that topics such as intrusion detection and network security belong to the motor themes category, while themes such as blockchain-based security and application-specific security are still relatively limited. This study also identifies that most existing research still focuses on isolated security approaches, highlighting the need for integrated security technologies and the development of more adaptive and proactive security systems as future research opportunities.