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All Journal Jurnal Manajemen dan Kewirausahaan Jurnal Hukum Islam
Sidik, Heru Muara
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Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Harmonizing Gold-Backed Currencies Regulatory Framework in the Global Islamic Financial System Sidik, Heru Muara; Mulyadi, Mulyadi; Santosa , Wahyuningsih; Khan , M. Dawud Arif; Ali, Jati Kasuma
Jurnal Hukum Islam Vol 23 No 1 (2025)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/jhi.v23i1.08

Abstract

This study explores the legal, technological, financial, and ethical dimensions of gold-backed currencies (GBCs) to assess their viability in contemporary financial systems. Using the Preferred Reporting Items for Systematic Reviews and Meta-Analyses of 78 peer-reviewed studies from Scopus and Web of Science published between 2018 and 2024, the study uncovers regulatory inconsistencies across regions, including (under Markets in Crypto-Assets regulations), ASEAN (through OJK’s gold mandate), and Saudi Arabia, thereby impeding the international adoption of blockchain technology for Shariah compliance. While blockchain technology enhances transparency and compliance through smart contracts, it also introduces cybersecurity risks and conflicts with the General Data Protection Regulation (GDPR). Furthermore, Shariah compliance continues to be a subject of contention, with Saudi Arabia raising concerns regarding the classification of intangible assets. In this regard, the review proposes the implementation of an AI-driven liquidity model framework, advocating for a tiered regulatory approach in advanced economies and the establishment of central bank safeguards in emerging markets, while ensuring ethical considerations. By leveraging GBCs, stakeholders can unlock their potential as an inclusive and resilient financial instrument. Future research endeavors should prioritize the development of AI-driven liquidity models and the execution of comparative empirical studies across various geographical regions.
THE CONVERGENCE OF ARTIFICIAL INTELLIGENCE, BAYESIAN LEARNING, AND SHARIA PRINCIPLES: A SYSTEMATIC REVIEW OF ISLAMIC FINANCIAL ANALYTICS ANDENTREPRENEURIAL INNOVATION Sidik, Heru Muara; Santosa, Wahyuningsih; Arafah, Willy; Usman, Bachtiar; Gunawan, Indra; Mulyadi, Mulyadi; Khan, Muhammad Dawud Arif
Jurnal Manajemen dan Kewirausahaan Vol. 28 No. 1 (2026): MARCH 2026
Publisher : Management Study Program, Faculty of Business and Economics, Petra Christian University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.9744/jmk.28.1.49-64

Abstract

This study systematically reviews the convergence of Artificial Intelligence (AI), Bayesian learning, and Sharia principles within the domain of Islamic financial analytics and entrepreneurial innovation. Using the PRISMA protocol, 523 records were initially identified from Scopus and Web of Science databases, resulting in 68 studies that met the inclusion criteria. The review applies the PICOS framework to guide the research questions, focusing on AI applications, methodological integration, and the ethical alignment of Bayesian inference with Sharia law. The findings reveal that while AI has been increasingly applied to enhance financial inclusion, risk assessment, compliance automation, and operational efficiency in Islamic finance, Bayesian learning methods remain underutilized. Most existing research focuses on general AI models, such as machine learning and predictive analytics, but lacks probabilistic frameworks that reflect Sharia's ethical treatment of uncertainty (gharar) and speculation (maysir). Furthermore, the literature shows limited integration of maqasid al-Shariah (objectives of Islamic law) as performance indicators, insufficient comparative studies with conventional finance, and fragmented methodological coherence. This review highlights the need for the development of Bayesian-Sharia alignment frameworks and adaptive governance models that integrate ethical transparency with analytical rigor. Future research directions include AI ethics grounded in Islamic epistemology, AI-assisted issuance of fatwas, probabilistic compliance modeling, and the establishment of unified regulatory standards for intelligent Islamic finance systems. The study concludes that harmonizing technological innovation with spiritual accountability can position Islamic finance as a model for sustainable, transparent, and ethically driven global financial development.
Co-Authors Ali, Jati Kasuma Indra Gunawan Khan , M. Dawud Arif Khan, Muhammad Dawud Arif Mulyadi Mulyadi Santosa , Wahyuningsih Santosa, Wahyuningsih Usman, Bachtiar Willy Arafah, Willy