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All Journal Jurnal Kajian dan Penelitian Umum Jurnal At-Tamwil: Kajian Ekonomi Syariah
Muhammad Maimun Haki Al Arif
Unknown Affiliation
Religion Computer Science & IT Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Integration of Sufi Values in Fraud Prevention Efforts: A Conceptual Study in Indonesia Muhammad Irsyad Elfin Mujtaba; Muhammad Maimun Haki Al Arif; Nur Rohim Al Mahrus Anwar; Imma Rokhmatul Aysa
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 7 No. 2 (2025): Jurnal At-Tamwil September 2025
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v7i2.8093

Abstract

Purpose – This study aims to develop an initial conceptual framework that integrates fraud prevention based on Sufi values. This integration is important because the recent rise in moral decadence is considered a serious problem that encourages various types of fraud, including in Indonesia. Design/Methods/Approach – This study uses a library research method with a naturalistic qualitative approach. The emphasis is on critical-analytical thinking about literature and realities related to fraud and its triggers, as well as Sufi values to prevent it from occurring. Findings – The results of this study are the integration of Sufi values in preventing fraud as moral guidelines that shape personal piety and social responsibility. This study also highlights the application of Sufism as ethics in modern life. The values of Sufi teachings can be used as a basis or guideline in building dignified governance while emphasizing that Islamic teachings are a blessing for the entire universe. Research Implications/Limitations – This study only integrates Sufi values in general, without considering the specific characteristics of particular Sufi figures. This study opens opportunities for future research to specifically examine Sufi values by considering the distinctive thought patterns of several well-known Sufi imams embraced by Indonesian society and by communities practicing Sufism. Originality/Value – This study presents an alternative perspective that is able to suppress the factors that drive fraud by strengthening moral values through the integration of Sufi teachings (values).
Transforming Digital Inclusion into Algorithmic Justice in the Islamic Economy: A Systematic Literature Review from a Maqāṣid al-Sharīʿah Perspective Muhammad Maimun Haki Al Arif; Muhammad Alfan Taufiqi; Fathimatuz Zahroh; Nur Mahmudah El Madja
Jurnal Kajian dan Penelitian Umum Vol. 4 No. 3 (2026): Juni: Jurnal Kajian dan Penelitian Umum
Publisher : Institut Nalanda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47861/jkpu-nalanda.v4i3.2377

Abstract

This study aims to map the transformation of digital inclusion into algorithmic justice in the Islamic economy through the lens of Maqāṣid al-Sharīʿah. Employing a Systematic Literature Review method adapted from the PRISMA 2020 framework, this study examines literature published between 2020 and 2026 on Islamic fintech, digital finance, artificial intelligence, algorithmic fairness, Sharia compliance, and Maqāṣid al-Sharīʿah. The findings indicate that digital inclusion serves as an entry point for expanding access to financing, investment, and Islamic social finance, particularly for micro, small, and medium-sized enterprises and underserved communities. However, digital access alone is insufficient without transparent, accountable, and auditable Sharia governance. The adoption of artificial intelligence, alternative data, and credit scoring offers opportunities to enhance efficiency, yet it also raises risks of bias, new forms of exclusion, and opacity in algorithmic decision-making. Maqāṣid al-Sharīʿah functions as an evaluative framework for safeguarding wealth, intellect, justice, and public welfare. This study underscores the need for Sharia-based algorithmic auditing in the digital economy and offers a conceptual map for strengthening regulation, consumer protection, and sustainable, inclusive Islamic fintech innovation.
Co-Authors Fathimatuz Zahroh Imma Rokhmatul Aysa Muhammad Alfan Taufiqi Muhammad Irsyad Elfin Mujtaba Nur Mahmudah El Madja Nur Rohim Al Mahrus Anwar