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All Journal El-Qish: Journal of Islamic Economics Journal of Islamic Economics and Business Ethics (JIESBI)
KMT Lasmiatun
Unknown Affiliation
Economics, Econometrics & Finance

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The Impact of Artificial Intelligence (AI) Implementation on Islamic Financial Literacy and Global Economic Changes in the Banking World KMT Lasmiatun; Nikzad Manteghi
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 2 No 1 (2025)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/x0qwax05

Abstract

Currently, the banking sector is facing a transformation towards the digital era in response to the development of fintech and the digital technology revolution. This transformation has brought banks into the era of digital banking services that aim to spread financial inclusion and provide access to the community without time and place constraints. Advances in information and communication technology have brought changes to various industries, including the Islamic finance sector. The development of artificial intelligence (AI) is crucial in the digitalization of Islamic money and offers opportunities to increase efficiency, personalize services, and reduce risks. This study aims to analyze the impact of AI implementation on financial literacy and global economic changes in the banking world by emphasizing effectiveness, efficiency, and compliance with Sharia principles. The research method used is qualitative literature research. Data comes from various sources, including relevant research papers, journals, and books. The findings of this study indicate that the application of AI in Islamic finance can improve operational efficiency, make financial services more accessible, and enable data analysis in a way that facilitates the development of strategic plans. However, the most important thing is to ensure that AI development complies with Sharia principles, including identifying riba, gharar, and non-halal transactions. The findings of this study highlight the importance of clear regulations to support the use of AI in Islamic finance, even if it is based on Islamic law. Through careful and innovative thinking, AI can serve as a strategic tool to enhance the Islamic banking sector in Indonesia, promote financial inclusion, and foster the country's economic growth. 
The Impact of Artificial Intelligence (AI) Implementation on Islamic Financial Literacy and Global Economic Changes in the Banking World KMT Lasmiatun; Nikzad Manteghi
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 2 No 1 (2025)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v2i1.253

Abstract

Currently, the banking sector is facing a transformation towards the digital era in response to the development of fintech and the digital technology revolution. This transformation has brought banks into the era of digital banking services that aim to spread financial inclusion and provide access to the community without time and place constraints. Advances in information and communication technology have brought changes to various industries, including the Islamic finance sector. The development of artificial intelligence (AI) is crucial in the digitalization of Islamic money and offers opportunities to increase efficiency, personalize services, and reduce risks. This study aims to analyze the impact of AI implementation on financial literacy and global economic changes in the banking world by emphasizing effectiveness, efficiency, and compliance with Sharia principles. The research method used is qualitative literature research. Data comes from various sources, including relevant research papers, journals, and books. The findings of this study indicate that the application of AI in Islamic finance can improve operational efficiency, make financial services more accessible, and enable data analysis in a way that facilitates the development of strategic plans. However, the most important thing is to ensure that AI development complies with Sharia principles, including identifying riba, gharar, and non-halal transactions. The findings of this study highlight the importance of clear regulations to support the use of AI in Islamic finance, even if it is based on Islamic law. Through careful and innovative thinking, AI can serve as a strategic tool to enhance the Islamic banking sector in Indonesia, promote financial inclusion, and foster the country's economic growth. 
Islamic Human Development Index as a Development Indicator: An Empirical Study in Indonesia KMT Lasmiatun; Muhammad Duku
El-Qish: Journal of Islamic Economics Vol. 5 No. 1 (2025): El-Qish: Journal of Islamic Economics
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33830/elqish.v5i1.12213.2025

Abstract

The Human Development Index (HDI) measures human development in the material dimension. This concept has not been able to become a measure of universal human development. The Islamic Human Development Index (I-HDI) measures human development through material and non-material aspects. Specifically, this concept can be a measurement of development in Muslim countries like Indonesia, namely as an effort to increase economic development. The purpose of this study is to determine the effect of economic growth, fiscal policy, and zakat on HDI and I-HDI with the maqāṣid al-sharī'ah approach. The research method uses a quantitative approach with dynamic panel regression two-step Generalized Method of Moments (GMM). The results of the statistical test analysis show that three of the independent variables have a positive and significant effect on HDI and I-HDI, namely economic growth and government expenditure fiscal policy in the health and education sectors. Meanwhile, the zakat variable only has a positive and significant effect on I-HDI and has a non-significant effect on HDI. This condition occurs because the management of zakat is not carried out optimally by zakat institutions, and there are no strict regulations from the government in encouraging an increase in the collection of zakat funds in Muslim communities in Indonesia.
Co-Authors Muhammad Duku Nikzad Manteghi