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All Journal Journal of Artificial Intelligence and Digital Business Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Nabilatul Fauziyah
UIN K.H. Abdurrahman Wahid Pekalongan
Agriculture, Biological Sciences & Forestry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering Industrial & Manufacturing Engineering Social Sciences

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Effectiveness of the Operational System of Islamic People's Banking in Improving Islamic Financing Performance Rinda Asytuti; Nindya Mutiara Maharani; Nabilatul Fauziyah; Nayla Mafnuzulfa; Alma Khorina
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 12 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i12.10070

Abstract

Sharia Rural Banks (BPRS) are sharia financial institutions that play an important role in supporting community economic development through the distribution of sharia-based financing. In carrying out its function as an intermediary institution, the effectiveness of the operational system is a major factor that determines financing performance. This study was motivated by the low efficiency and effectiveness of operations in most BPRS in Indonesia, which has resulted in limited financing coverage and high levels of non-performing financing (NPF). The purpose of this study is to analyze the effectiveness of the BPRS operational system in improving sharia financing performance, as well as to identify obstacles and strategies for improving operational efficiency in the era of financial digitalization. This study uses a descriptive qualitative method with a library research approach. The data used is secondary, obtained from various relevant national and international journals. The data analysis technique uses content analysis to identify themes and patterns that emerge from previous research results on efficiency, risk management, and operational digitalization of BPRS. The results show that the effectiveness of the BPRS operational system has a significant effect on improving Islamic financing performance. Good operational efficiency can reduce costs, expand financing capacity, and strengthen the institution's profitability. However, there are still several major obstacles, such as limited capital, low quality of human resources, and suboptimal financial literacy among the public. In addition, the high level of non-performing financing remains an obstacle to maintaining the financial stability of BPRS. On the other hand, the digitization of operational systems has been proven to improve efficiency, transparency, and accessibility of services, although it is still constrained by technological limitations and human resource adaptation.
The Role of AI in Education Management Information Systems in Indonesia Zabrina Elvaretta; Nisrina Rosyada; Ika Hafsah Faunia Zazillah; Aisyah Fitriani; Agnia Azka Nabilla; Hestina Amelia; Zahrotul Milatina; Naeza Fara Diba; Nabilatul Fauziyah; Muhammad Irwan; Mansur Chadi Mursid
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 2 (2026): Mei-Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i2.8955

Abstract

This study examines the role of artificial intelligence (AI) in management information systems (MIS) in the Indonesian education sector, focusing on its opportunities, challenges, and implications for learning quality. The rapid advancement of AI technology has significantly changed the way educational institutions manage information, support decision-making, and improve the teaching and learning process. This research aims to provide a comprehensive understanding of the integration of AI in MIS education and its impact on the quality of education. The study uses a literature review method by analyzing the latest scientific publications related to AI in education and information systems. Relevant articles are systematically selected, reviewed, and synthesized to identify key themes, including the role of AI, its potential benefits, implementation challenges, and its impact on learning outcomes. These findings reveal that AI contributes to improving efficiency in academic management, enabling personalized learning experiences, and supporting data-driven decision-making in educational institutions. Additionally, AI improves student engagement and learning outcomes through a more interactive and adaptive learning environment. However, some challenges remain, including limited digital literacy, inadequate infrastructure, ethical issues, data privacy issues, and uneven access to technology. In conclusion, AI has a strong potential to improve the effectiveness of management information systems in education. Nevertheless, its successful implementation depends on proper management, institutional support, clear policies, and the readiness of users to adopt and utilize technology responsibly.
Co-Authors Agnia Azka Nabilla Aisyah Fitriani Alma Khorina Hestina Amelia Ika Hafsah Faunia Zazillah Mansur Chadi Mursid Muhammad Irwan Naeza Fara Diba Nayla Mafnuzulfa Nindya Mutiara Maharani Nisrina Rosyada Rinda Asytuti Zabrina Elvaretta Zahrotul Milatina