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All Journal Monex: Journal of Accounting Research Jurnal Ilmiah Ekonomi Islam Journal of Dedicators Community Sketsa Bisnis EQIEN - JURNAL EKONOMI DAN BISNIS Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Shirkah: Journal of Economics and Business Almana : Jurnal Manajemen dan Bisnis Jurnal Mantik Pekobis : Jurnal Pendidikan, Ekonomi, dan Bisnis Mitra Mahajana: Jurnal Pengabdian Masyarakat Journal of Agricultural Socio-Economics (JASE) International Journal of Science and Society (IJSOC) EKONOMIKA45 eCo-Fin Ijtimā`iyya: Journal of Muslim Society Research LEBAH ADILLA: Jurnal Ilmiah Ekonomi Syari'ah Mamangan Social Science Journal The Es Accounting and Finance Jurnal Riset Rumpun Ilmu Ekonomi (JURRIE) West Science Journal Economic and Entrepreneurship Jurnal Akuntansi dan Keuangan West Science Jurnal Abdimas Indonesia Jurnal REKOMEN (Riset Ekonomi Manajemen) Journal of Economic, Management and Entrepreneurship West Science Social and Humanities Studies Aspirasi : Publikasi Hasil Pengabdian dan Kegiatan Masyarakat Rona Teknik Pertanian Jurnal Akuntansi Neraca International Conference on Islamic Economic Jurnal Pengabdian Masyarakat dan Riset Pendidikan AmaNU: Jurnal Manajemen dan Ekonomi Sharia Economic and Management Business Journal (SEMBJ) Ta'amul: Journal of Islamic Economics ENDLESS : International Journal of Future Studies International Journal of Technology and Education Research Jurnal Bisnis dan Kewirausahaan Jurnal Ragam Pengabdian Jurnal At-Tadbir: Media Hukum dan Pendidikan Aksi Kita: Jurnal Pengabdian Kepada Masyarakat INUMIYA: Jurnal Ekonomi Pembangunan Jurnal Pengabdian Pada Masyarakat IPTEKS Arunika: Jurnal Pengabdian Masyarakat Khidmatan Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Economics and Business Management Journal Indonesian Journal of Management & Islamic Business
Mutia Pamikatsih
Universitas Nahdlatul Ulama Al Ghazali Cilacap
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Algorithmic Gharar in Islamic Banking: Reconstructing Transparency and Accountability Based on Maqasid as-Syari’ah Muhamad Fuji Hakiki; Opik Taupik; Dodih Suhardih; Mutia Pamikatsih; Moh. Irfan Surya Solehudin
Jurnal At-Tadbir : Media Hukum dan Pendidikan Vol. 36 No. 2 (2026): Transformasi keilmuan Islam: Inovasi Pendidikan, Pengembangan Hukum Islam dan
Publisher : Institut KH Ahmad Sanusi (INKHAS) Sukabumi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52030/rtzxtf29

Abstract

The rapid adoption of Artificial Intelligence (AI) in Islamic banking has transformed financing assessment, risk management, fraud detection, and customer service systems. While AI offers significant benefits in improving operational efficiency and decision-making accuracy, it also raises concerns regarding transparency, accountability, and legal responsibility in algorithm-based decisions. This study aims to analyze the concept of algorithmic gharar  in Islamic banking and reconstruct a framework for algorithmic transparency and accountability based on Maqāṣid al-Sharī‘ah. This study employs normative legal research using a library research method by examining statutory regulations, DSN-MUI fatwas, scholarly literature, and contemporary studies on AI Governance, Islamic finance, and Islamic legal theory. The legal materials were analyzed qualitatively through statute, conceptual, and maqāṣid al-Sharī‘ah approaches to construct a normative framework for algorithmic transparency and accountability in Islamic banking. The findings reveal that algorithmic opacity in AI-based decision-making may generate a new form of uncertainty referred to as algorithmic gharar , characterized by the inability of affected parties to understand, verify, or challenge algorithmic decisions. From the perspective of Maqāṣid al-Sharī‘ah, algorithmic transparency and accountability are essential to safeguard wealth (ḥifẓ al-māl), intellect (ḥifẓ al-’aql), human dignity, and social justice. This study proposes a Sharia-based AI Governance framework consisting of algorithmic transparency, human accountability, Sharia algorithm auditing, data and privacy protection, and algorithmic justice. The study contributes to the development of Islamic economic law by introducing the concept of algorithmic gharar  as a contemporary legal construct and providing a normative framework for ethical AI Governance in Islamic banking.
Analysis of Islamic Financial Literacy and Islamic Fintech Adoption on Financial Inclusion and Business Performance of Halal MSMEs in Banten Province Eko Sudarmanto; Irwan Irawadi Barus; Junet Kaswoto; Mutia Pamikatsih
West Science Journal Economic and Entrepreneurship Vol. 4 No. 03 (2026): West Science Journal Economic and Entrepreneurship
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsjee.v4i03.3063

Abstract

The development of Islamic financial services and digital financial technology provides significant opportunities to strengthen financial inclusion and improve the competitiveness of halal Micro, Small, and Medium Enterprises (MSMEs). However, limited financial knowledge and restricted access to appropriate financial services remain major challenges faced by many halal MSMEs. This study aims to analyze the influence of Sharia Financial Literacy and Sharia Fintech Adoption on Financial Inclusion and Business Performance of Halal MSMEs in Banten Province. This research employs a quantitative explanatory approach using a cross-sectional survey method. Data were collected from 155 halal MSME actors in Banten Province using a structured questionnaire measured with a five-point Likert scale. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 3. The results indicate that Sharia Financial Literacy has a positive and significant effect on Financial Inclusion, while Sharia Fintech Adoption also positively influences Financial Inclusion. Furthermore, Sharia Financial Literacy, Sharia Fintech Adoption, and Financial Inclusion, significantly contribute to improving MSME Business Performance. The mediation analysis confirms that Financial Inclusion partially mediates the relationship between Sharia Financial Literacy and Business Performance, as well as between Sharia Fintech Adoption and Business Performance. These findings highlight that strengthening Islamic financial knowledge and accelerating the adoption of Sharia-based digital financial services are essential strategies for improving financial accessibility and sustainable growth of halal MSMEs. The study provides practical implications for policymakers, Islamic financial institutions, and fintech providers in developing inclusive financial ecosystems that support halal MSME development.
Pengaruh Kinerja Keuangan Dan Dana Pihak Ketiga (DPK) Terhadap Penyaluran Pembiayaan Pada BPRS Di Provinsi Jawa Tengah Tahun 2016-2025 Regita Cahyaningsih; Mutia Pamikatsih; Hatta Setiabudhi
Jurnal Riset Rumpun Ilmu Ekonomi Vol. 5 No. 2 (2026): Agustus: Jurnal Riset Rumpun Ilmu Ekonomi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurrie.v5i2.9474

Abstract

This study investigates how financial performance and third party funds (DPK) affect financing disbursement at Sharia People's Economic Banks (BPRS) in Central Java Province from 2016 to 2025. By applying quantitative methods, using secondary data from BPRS financial reports published by the Financial Services Authority (OJK). A purposive sampling approach was used to select all BPRS in Central Java Province for the study population, which includes 25 BPRS. Stata 17 research software was used to perform data processing with panel data regression techniques. The Random Effect Model (REM) was the best estimation model, according to the results of model selection that included the Lagrange multiplier, Chow test, and Hausman. With a determination coefficient of 90.42%, NPF, ROA, and DPK had a significant influence on financing disbursement, while 9.58% was influenced by other variables outside the model. Conversely, NPF and ROA partially did not have a significant influence, while DPK had a significant influence on financing disbursement in the partial test.
Co-Authors Abdul Karim Abdul Latip, Abdul Ahmad Zaki Mubarok Alfit Budi Prasetyo Alhakim, Rahmat Ali Ibrahim Dasuki Andhi Johan Suzana Andrianingsih Ani Nuraini Anisa Rizky Wiranegara Arista Ramadanika Avid Leonardo Sari Bachrian Rizqi Primaguna Bagus Setya Rintyarna Baidawi Arrohman Bulkini Sasu Cahyaningsih, Regita Cahyaningsih Damar Jati Dede Suleman Dian Safitri Pantja Koesoemasari Dina Prasetyaningrum Dodih Suhardih Dwi Saleha Eko Sudarmanto Eko Sudarmanto Elok Ainur Latif Elok Ainur Latif Endang Fatmawati Endang Puji Lestari Endrik Andika Fadilla Muhammad Mahdi Febriyanti, Elina Fenty Astrina Gawik Setiawan Ginting, Yanti Mayasari Gunawan Raspati Hakim Hakim Hakim Hakim Hakim Hakim Hanum Fadilah Ismet Hasan Muzaki Hasibuan, Reza Rahmadi Hatta Setiabudhi Heru Cahyo Ibnu Detri Kurniawan Ilham Maulana Putra Indra Surya Permana Irwan Irawadi Barus Ishfaq Ahmed Iswahyuni, Anisha Dian Itsna Rahma Fitriani Jodang Setia Adi Anista R Junet Kaswoto Khusniyah, Minanda Hidayatul Kimsen Kimsen Loso Judijanto Lukman Hakim M Adhitya Wardhana M. Rijal Pemungkas Mayndarto, Eko Cahyo Ma’rifatun Nisa Meiyanti Widyaningrum Moh. Irfan Surya Solehudin Muhamad Fuji Hakiki Muhamad Rijal Pamungkas Muhammad Dini Syauqi Al-Madani Muhammad Shahid Khan Nashirotun Nisa Nurharjanti Neti Endang Wahyuni Norma Eralita Noviati Aning Rizki Mustika Sari Opik Taupik Purnomo, Sodik Dwi Purwantini, Heni Purwanto Puti Khairani Rijadi R Suhaimi R Suhaimi Rahayu, Kharisma Dwi Ramat Alhakim Ramat Alhakim Regita Cahyaningsih Respatiningsih, Inneke Rianda Hanis Rofiqoh, Adzimatur Rosalina Anindia Sari Kartika Ruslina Baeti Sa'diyah, Kholifatus sabil sabil, sabil Setya Permana Sutisna Soolany, Christian Sopi Siti Sopiah Sri Fatimah Rahmatillah Sri Wahyuni Israfatin Bobihu SUWONO Syafa Khoirur Rizal Syafi’ah Syafi’i, Muhammad Agung Syahputri, Nisrina Anggi Syaiful Anam Taufiequrahman, Gus Tekat Sukomardojo Toto Sugihyanto Tri Esti Masita Tuti Dharmawati Victor Prasetya Wijayanti, Lumastari Ajeng Yessi Fitriyanti Yudi Agus Setiawan Yuli Amelianti Yulian Arpianto Zuliko, Atmah