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All Journal Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Jurnal Manajemen dan Kewirausahaan Jurnal Pengabdian Masyarakat Bestari (JPMB)
Willy Arafah
Trisakti University
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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Peningkatan Motivasi dalam Mengelola Potensi Diri Menuju Pribadi Yang Berkualitas (Panti Sosial Bina Remaja Tarunajaya II) Deasy Aseanty; Willy Arafah; Wulansari
Jurnal Pengabdian Masyarakat Bestari Vol. 1 No. 3 (2022): June 2022
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (744.732 KB) | DOI: 10.55927/jpmb.v1i3.638

Abstract

The process of self-development can be realized by managing the individual's potential. This will affect with individual motivation. A motivation that has not been realized, of course, this needs to be known. One way to realize one's motivation is how effective and efficient the management of oneself and the environment is of each individual. Self-management is what we call action management. The word management has a deep meaning, that is, it starts with setting a plan to be achieved (i.e setting goals, setting the design and structure of the company, carrying out activities and evaluating work).  
THE CONVERGENCE OF ARTIFICIAL INTELLIGENCE, BAYESIAN LEARNING, AND SHARIA PRINCIPLES: A SYSTEMATIC REVIEW OF ISLAMIC FINANCIAL ANALYTICS ANDENTREPRENEURIAL INNOVATION Heru Muara Sidik; Wahyuningsih Santosa; Willy Arafah; Bachtiar Usman; Indra Gunawan; Mulyadi Mulyadi; Muhammad Dawud Arif Khan
Jurnal Manajemen dan Kewirausahaan Vol. 28 No. 1 (2026): MARCH 2026
Publisher : Management Study Program, Faculty of Business and Economics, Petra Christian University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.9744/jmk.28.1.49-64

Abstract

This study systematically reviews the convergence of Artificial Intelligence (AI), Bayesian learning, and Sharia principles within the domain of Islamic financial analytics and entrepreneurial innovation. Using the PRISMA protocol, 523 records were initially identified from Scopus and Web of Science databases, resulting in 68 studies that met the inclusion criteria. The review applies the PICOS framework to guide the research questions, focusing on AI applications, methodological integration, and the ethical alignment of Bayesian inference with Sharia law. The findings reveal that while AI has been increasingly applied to enhance financial inclusion, risk assessment, compliance automation, and operational efficiency in Islamic finance, Bayesian learning methods remain underutilized. Most existing research focuses on general AI models, such as machine learning and predictive analytics, but lacks probabilistic frameworks that reflect Sharia's ethical treatment of uncertainty (gharar) and speculation (maysir). Furthermore, the literature shows limited integration of maqasid al-Shariah (objectives of Islamic law) as performance indicators, insufficient comparative studies with conventional finance, and fragmented methodological coherence. This review highlights the need for the development of Bayesian-Sharia alignment frameworks and adaptive governance models that integrate ethical transparency with analytical rigor. Future research directions include AI ethics grounded in Islamic epistemology, AI-assisted issuance of fatwas, probabilistic compliance modeling, and the establishment of unified regulatory standards for intelligent Islamic finance systems. The study concludes that harmonizing technological innovation with spiritual accountability can position Islamic finance as a model for sustainable, transparent, and ethically driven global financial development.
The Effect of Islamic Financial Inclusion on Welfare Through Religiosity Based on Tawhidi String Relations Asep Asep; Willy Arafah; Nirdukita Ratnawati
Dinasti International Journal of Economics, Finance & Accounting Vol. 3 No. 6 (2023): Dinasti International Journal of Economics, Finance & Accounting (January-Febru
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v3i6.1618

Abstract

Karawang Regency is a rice barn and a large industrial area with a high regional minimum wage (UMR). However, the level of welfare is still a problem for leaders, considering that welfare is always associated with asset ownership measured in rupiah units to ensure financial inclusion in the community. Karawang district is interesting for discussion. This study aims to analyse the effect of Islamic financial inclusion on welfare through religiosity based on Tawhidi string relations, data processing using quantitative data processing techniques with multiple regression analysis, and placing religiosity as an intervening. This study uses primary data collected through questionnaires with a sampling quota of 564 respondents, with the locus of karawang district. The results showed that the path coefficient (mediation) of the indirect effect of inclusion on welfare through religiosity was 0.111 with a z-value (Sobel Test) of (5.132). The direct effect of Islamic financial inclusion (X2) on welfare (Y) through religiosity (X3) is positive and significant if we look at the direct effect of the Islamic financial inclusion coefficient (X2) on improving welfare (Y) of 0.302, this indicates that there is a positive effect of financial inclusion. Sharia is towards improving people's welfare; the more people can access sharia financial inclusion, the higher the level of welfare that the community will enjoy.
Co-Authors Aseanty, Deasy Asep Asep Bachtiar Usman Heru Muara Sidik Indra Gunawan Muhammad Dawud Arif Khan Mulyadi Mulyadi Nirdukita Ratnawati Wahyuningsih Santosa Wulansari