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All Journal Jurnal Visualika Jurnal Sibernetika Jurnal Sibernetika Iqtisad : Journal of Islamic Economic and Civilization Halaqa: Journal of Islamic Education
Bambang Judi Bagiono
Universitas Saintek Muhammadiyah
Religion Humanities Computer Science & IT Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Social Sciences Other

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Web-Based Prototype Integrating Islamic Ethical Communication in E-Commerce Rosalina, Ria; Bagiono, Bambang Judi
Iqtisad: Journal of Islamic Economic and Civilization Vol. 2 No. 1 (2026): Iqtisad : Journal of Islamic Economic and Civilization (In Progress)
Publisher : PT. Student Rihlah Indonesia

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This study designs a web-based prototype that integrates Islamic ethical communication principles qoulan sadida, qoulan layyina, tabligh, ‘adl (justice), and amanah—into buying and selling activities at ABCD Store, Jakarta. In the context of rapid digitalization and increasingly competitive retail markets, ethical challenges such as misleading information, unfair pricing, weak transparency, and limited accountability often undermine consumer trust. To address these issues, this research introduces a Conscious-Based Method, which embeds ethical validation mechanisms directly into transactional processes. The Conscious-Based Method operates through four structured stages. The findings demonstrate that embedding computational ethical controls within a web-based retail system significantly enhances accountability, fairness, and sustainable consumer trust. This study contributes to the development of ethically embedded digital commerce architectures by operationalizing Islamic ethical communication principles into measurable system indicators. Practically, the proposed prototype provides a scalable governance model that can be adopted by small and medium-sized enterprises to strengthen consumer trust and reduce transactional disputes in digital retail environments.
AI-Based Break-Even Optimisation within an Ethical Reflective Framework Bagiono, Bambang Judi; Sarono, Joko; Nasirudin, Nasirudin
Iqtisad: Journal of Islamic Economic and Civilization Vol. 2 No. 1 (2026): Iqtisad : Journal of Islamic Economic and Civilization (In Progress)
Publisher : PT. Student Rihlah Indonesia

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Break-even management is essential for ensuring business sustainability, pricing fairness, and financial accountability, particularly in environments that demand ethical governance. However, conventional break-even analysis is typically static and lacks adaptive optimisation and structured feedback mechanisms. This study aims to develop an AI-based prototype system for optimising break-even variables within an ethical reflective framework that integrates predictive modelling, constrained optimisation, and governance-based feedback. The methodology combines multiple linear regression and exponential smoothing for revenue forecasting, followed by nonlinear optimisation (SLSQP) to minimise time-to-break-even subject to ethical guardrails, including margin floor and price-smoothing constraints. Simulation results show that the prototype improves forecast accuracy (MAPE reduced from 9.45% to 4.87%) and decreases time-to-break-even from 12.4 to 9.8 months (−21%), while reducing deviation variance from 11% to 5.2% through iterative feedback. The novelty lies in embedding ethical accountability constraints into AI-driven optimisation, offering policy implications for transparent pricing, accountable financial planning, and governance-aligned business decision-making.
AI-Based Prototype for Identifying Murabahah, Ujroh, Nisbah Variables Using Quran-Hadith Foundations Bagiono, Bambang Judi; Nasirudin, Nasirudin; Sarono, Joko
Iqtisad: Journal of Islamic Economic and Civilization Vol. 2 No. 1 (2026): Iqtisad : Journal of Islamic Economic and Civilization (In Progress)
Publisher : PT. Student Rihlah Indonesia

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This study is important because Murabahah, Ujroh, and Nisbah contracts form the backbone of contemporary Islamic banking, yet their variables are often implemented without computationally verifiable links to primary Quran–Hadith foundations. The objective of this research is to develop and evaluate an AI-Based Prototype for Identifying Murabahah, Ujroh, and Nisbah Variables Using Quran-Hadith Foundations in order to enhance transparency, consistency, and doctrinal authenticity in Islamic financial transactions. The study employs a hybrid methodological framework combining natural language processing (NLP), semantic classification, supervised machine learning, and rule-based inference, integrated with Shariah expert validation. Textual data derived from the Qur'an and authenticated Hadith literature are processed to extract jurisprudential concepts and convert them into measurable contractual parameters. The results indicate that the prototype successfully identifies core variables, including cost disclosure and profit margin (Murabahah), service fee structure and duration (Ujroh), and proportional profit-sharing ratios and risk allocation (Nisbah). Statistical validation demonstrates consistent classification accuracy and alignment with Shariah expert assessments. The novelty of this research lies in integrating foundational Islamic textual analysis directly into an AI computational model, rather than relying solely on contemporary regulatory interpretations. Policy implications include supporting regulators, Shariah supervisory boards, and Islamic financial institutions in developing standardized AI-assisted compliance frameworks, thereby strengthening governance, transparency, and digital transformation in Islamic finance.
Co-Authors Abuzar, Asra Ade Maulana Alfanikko Dwi Putra Arifin Bachdi Ruswana Ilham Banten Panggabean Muhamad Taufik Muthohar Nadhoir Nasirudin Nasirudin, Nasirudin Raihan Ahmad Zabir Rosalina, Ria Sarono, Joko Tias Prasetya, Eggieananda Warno