Article Per Year (5 Year)
p-Index From 2020 - 2025
1.704
P-Index
This Author published in this journals
All Journal Jurnal Asy-Syukriyyah BUSTANUL FUQAHA: Jurnal Bidang Hukum Islam Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Az Zarqa': Jurnal Hukum Bisnis Islam An-Nur : Jurnal Studi Islam Islamic Economics and Finance Journal Mutanaqishah: Journal of Islamic Banking Jeksyah Journal of Principles Management and Bussines Jurnal Asy-Syukriyyah
Edo Segara Gustanto
Institut Ilmu Al Quran An Nur Yogyakarta
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

Published : 10 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : Journal of Principles Management and Bussines

 1 
Risk Management Strategy In Islamic Banks: An Artificial Intelligence Approach Gustanto, Edo Segara; Nugroho, Anton Priyo; Yahya, Muhammad Arif
Journal of Principles Management and Business Vol. 4 No. 01 (2025): June 2025
Publisher : Scimadly Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55657/jpmb.v4i01.227

Abstract

The development of digital technology has brought significant changes to the banking industry, including Islamic banking. One crucial aspect that has gained attention is risk management, considering that Islamic banks operate based on Sharia principles, which avoid riba (interest), gharar (uncertainty), and maysir (gambling). This study discusses risk management strategies in Islamic banks using an Artificial Intelligence (AI) approach as an innovative solution to enhance the efficiency and effectiveness of risk mitigation. AI offers several advantages, such as predictive analytics, anomaly detection, and automation in managing credit, liquidity, operational, and Sharia compliance risks. By leveraging AI technology, Islamic banks can identify risk patterns more quickly, optimize profit-sharing-based financing decisions, and improve compliance with applicable regulations. This research employs a qualitative descriptive approach through literature review and secondary data analysis to illustrate how AI can be applied in Islamic banking risk management. The findings indicate that integrating AI into the Islamic banking system not only strengthens resilience to risks but also supports transparency, operational efficiency, and customer trust. However, this study is limited by its reliance on secondary data and literature sources, which may not fully capture real-time implementation challenges faced by Islamic banks. Therefore, AI-based risk management strategies represent a strategic step to enhance the competitiveness of Islamic banks in the digital era.
Co-Authors Abdul Jalil Adamy, M. Fikrul Humam Adzmi, Rifazul ARFAIZAR, JANUARIANSYAH Asmuni Asmuni Asmuni Asmuni Faozi, Mohammad Gunardi, Setiyawan Hidayanto, Bani Idris Kamilulloh, Farhan Muhammadi, Ali Akbar Ruhullah Muhammadi, Ali Asghar Fadlullah Nugroho, Anton Priyo Rahmawanti, Intan Nur Rizki Lubis, Rusdi Rusdi Rizki Lubis Yahya, Muhammad Arif