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All Journal International Journal of Engineering, Science and Information Technology Kawanua International Journal of Multicultural Studies
Nugroho, Bimo
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Cultural Integration in Islamic Financial Innovation: Implementation of Istishlahi Principles in Musyarakah Mutanaqishah Contracts in Multicultural Indonesia Nugroho, Bimo; Ma’rufi, Anwar; Fathudin, Fathudin; Jankauskienė, Dainora; Lousada, Sérgio António Neves
Kawanua International Journal of Multicultural Studies Vol 5 No 2 (2024)
Publisher : State Islamic Institute of Manado (IAIN) Manado, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kijms.v5i2.1186

Abstract

This research analyzes the implementation of the istishlahi (public benefit) principle in the DSN-MUI fatwa concerning Musyarakah Mutanaqishah (Diminishing Partnership) and its application within Indonesia's multicultural context. Employing a qualitative approach with content analysis and systematic literature review, this study examines primary sources, including DSN-MUI Fatwa No.73/DSN-MUI/XI/2008, and secondary sources from academic literature spanning 2015-2024. The findings demonstrate that the implementation of the istishlahi principle in the DSN-MUI fatwa successfully integrates nine fundamental principles (al-’adl, al-maslahah, al-yusr, al-barakah, al-yaqin, al-muwazah, al-istiqraar, al-taysir, and al-amanah) within an adaptive regulatory framework. Comparative analysis of implementation across various regions in Indonesia reveals significant variations in success rates and challenges encountered, with key factors including structural and operational adaptations according to local contexts. Case studies in Aceh, East Java, Makassar, and Sorong highlight the importance of integration with local value systems and active community involvement in successful implementation. This research provides theoretical contributions in developing a new understanding of the istishlahi principle's function as a bridge between Shariah compliance and the practical needs of a multicultural society, as well as practical implications for developing more inclusive and adaptive Islamic financial products.
Integration of Artificial Intelligence in Academic Research: To What Extent Do Students' Knowledge, Understanding, and Use Depend on Technology? Iriani, Tuti; Azisah, Nur; Luthfiana, Yusrina; Nugroho, Bimo
International Journal of Engineering, Science and Information Technology Vol 5, No 4 (2025)
Publisher : Malikussaleh University, Aceh, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52088/ijesty.v5i4.1515

Abstract

The development of artificial intelligence (AI) technology has had a significant impact on higher education. This study aims to assess the level of knowledge, understanding, and use of AI among students in the context of final project preparation. This study uses a quantitative descriptive approach to measure three main dimensions—knowledge, understanding, and practical use (application) in the context of academic research. The population in this study consisted of 172 students from the Faculty of Engineering, Universitas Negeri Jakarta, who were conducting academic research. The sampling technique employed was non-probability sampling, utilizing a purposive sampling approach. Data analysis used exploratory factor analysis (EFA). The results showed that students have excellent knowledge of AI. Meanwhile, the understanding of AI shows varying levels, with the majority falling into the sufficient and low categories, indicating a need to improve AI literacy. The use of AI by students is primarily focused on aspects of writing, research, and document creation, with a reasonably consistent usage pattern and an average duration of 1-2 hours per session. These findings confirm that students actively utilize various AI in the academic process, but still require training and supervision to ensure that AI use can be carried out ethically and responsibly. The results of this study are important as a basis for developing institutional policies and ethical regulations related to the integration of AI into academic processes, as well as a reference for designing effective training programs to improve students' competency in optimally utilizing AI technology.
Co-Authors Azisah, Nur Fathudin, Fathudin Iriani, Tuti Jankauskienė, Dainora Lousada, Sérgio António Neves Luthfiana, Yusrina Ma’rufi, Anwar