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All Journal Jurnal Ilmiah Ekonomi Islam Al-bank: Journal of Islamic Banking and Finance
Duhriah
Universitas Islam Negeri Imam Bonjol Padang
Religion Economics, Econometrics & Finance Social Sciences

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Integration of AI and Adaptive Microfinance in Islamic Banking for Maqashid Sharia-Based Financial Inclusion: A Conceptual Framework Misi Anggraini; Muchlis Bahar; Duhriah; Yulizain Putra
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 2 (2026): July - Desember 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i2.16967

Abstract

Background: Digital transformation and artificial intelligence (AI) are reshaping Islamic banking, creating opportunities to improve financial inclusion while adhering to Maqashid Sharia. Objective: This study develops a conceptual framework integrating AI and adaptive microfinance to promote Maqashid Sharia-based financial inclusion in Islamic banking. Methodology: A qualitative conceptual approach was employed through a comprehensive literature review and policy analysis of studies on AI, adaptive microfinance, Islamic banking, and financial inclusion. Findings: The proposed framework suggests that AI can improve financing assessment, operational efficiency, risk management, and access to financial services for underserved communities. Combined with adaptive microfinance, AI supports the achievement of Maqashid Sharia by enhancing social welfare, protecting wealth, promoting equitable economic opportunities, and reducing poverty. The analysis also identifies key challenges, including regulatory constraints, limited Sharia-compliant digital expertise, algorithmic bias, data privacy, and institutional coordination. Novel Contribution: This study proposes the AI-Based Adaptive Islamic Microfinance Framework, integrating AI, adaptive microfinance, and Maqashid Sharia into a unified conceptual model. Practical Implication: The framework offers strategic guidance for Islamic banks, regulators, and policymakers while providing a foundation for future empirical research
Fiqh Economic Analysis in the Implementation of Green Sukuk as a Form of SDGs Helin Syafitri; Hulwati; Duhriah
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 06 (2025): JIEI : Vol. 11, No. 06, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v11i06.18585

Abstract

This study discusses the application of green sukuk as an Islamic financial instrument in supporting the achievement of the Sustainable Development Goals (SDGs). Green sukuk is designed to fund environmentally friendly projects, such as renewable energy, waste management, and conservation of natural resources, while still adhering to the principles of economic fiqh, namely Justice (al-adl), balance (tawazun), and environmental preservation (hifdzul bi'ah). This study uses a qualitative approach with descriptive analytical methods to analyze the potential, challenges, and contribution of green sukuk to sustainable development. The results show that green sukuk has a positive impact on the environment, social, and economy, and contributes greatly to supporting the Sustainable Development Goals (SDGs) and has the potential to become an innovative Islamic financing solution. However, there are challenges in the form of low public understanding, lack of private sector participation, and the need for supportive regulation. Public education, government incentives, and the use of technology such as blockchain are important strategies to improve transparency and efficiency of fund management. This study recommends collaboration between the government, private sector, and academia to expand the implementation of green sukuk. With a comprehensive approach, green sukuk can strengthen Indonesia's position as a pioneer of Sharia green finance, while supporting sustainable development that is inclusive and environmentally friendly. Keywords: Green Sukuk, Fiqh Economics, SDGs
Co-Authors Helin Syafitri Hulwati Misi Anggraini Muchlis Bahar Yulizain Putra