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All Journal Proceeding ISETH (International Summit on Science, Technology, and Humanity) AL HUKMU: Journal of Islamic Law and Economics
Yuni Safitri
Institut Islam Mamba'ul 'Ulum Surakarta
Religion Humanities Computer Science & IT Economics, Econometrics & Finance Engineering Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Social Sciences Other

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Opportunities and Challenges in Implementing Artificial Intelligence in the Development of Sharia Financial Products at Bank Syariah Indonesia Izzun Khoirun Nissa; Joko Subando; S Sulistyowati; Yuni Safitri; S Syamsuddin
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2025: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

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Abstract

The development of digital technology, particularly Artificial Intelligence (AI), has driven significant transformation in the banking industry, including Islamic banking in Indonesia. Bank Syariah Indonesia (BSI), as the largest Islamic bank resulting from a merger, faces great opportunities in utilizing AI to improve operational efficiency, service quality, and risk management, while also facing challenges in maintaining compliance with Islamic principles. This study aims to analyze the opportunities and challenges of implementing AI in the development of Islamic banking products and services at Bank Syariah Indonesia, with an emphasis on operational efficiency, Sharia-based risk management, digital infrastructure readiness, and human resources. This study uses a qualitative approach with a descriptive-exploratory method. Data was obtained through a literature study of scientific articles, industry reports, policy documents, and official publications relevant to the application of AI in Islamic banking. Data analysis was conducted using qualitative descriptive methods through data reduction, data presentation, and conclusion drawing, and was reinforced with source triangulation techniques to maintain data validity. The results of the study show that AI has great potential to improve BSI's operational efficiency through business process automation, more accurate risk analysis, fraud detection, and personalized customer service. However, the implementation of AI also faces significant challenges, particularly related to data infrastructure limitations, human resource readiness, and ethical and sharia compliance issues, especially algorithm transparency and the potential for gharar due to "black box" AI models. Therefore, AI development in Islamic banking needs to be directed towards strong governance, strengthening human resource competencies, and implementing explainable AI to ensure compliance with the principles of fairness, transparency, and maqashid sharia.
Analisis Negosiasi Penyelesaian Masalah Rumah Tangga Pasangan Muslim Dalam Penerapan Kesetaraan Gender (Studi Kasus Desa Wonorejo, Gondangrejo, Karanganyar 2025) Yuni Safitri; B Baehaqi; Aditya Fajri Kurnia Pradana
AL Hukmu: Journal Of Islamic Law And Economics Vol. 05, No. 2 Agustus 2026
Publisher : Institut Islam Mamba'ul 'Ulum Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54090/hukmu.1105

Abstract

The issue of equality has always been a hot topic of discussion, with pre-Islamic life stating that women's position was always far below men in terms of social strata. Gender equality is not only related to equal rights and opportunities between men and women, but also encompasses the distribution of roles, responsibilities, and fair decision-making processes in domestic life. One aspect that is often debated in the discourse of gender equality in Islam is the issue of inheritance distribution. This study focuses on analyzing negotiation for resolving problems in Muslim couples' households, where applying the principle of gender equality in inheritance distribution is important. This study focuses on Muslim couples in Wonorejo Village, Gondangrejo District, Karanganyar Regency, to understand how the negotiation process takes place, how couples interpret gender equality in the context of inheritance distribution, and the factors that influence reaching an agreement in resolving these problems. Through a normative-empirical approach, this study seeks to bridge the gap between ideal norms and actual practices in resolving household problems. The results of the study show that the distribution of inheritance in Muslim families that apply the principle of gender equality is not carried out rigidly based on formal rules alone, but through a social process that involves deliberation, discussion, and joint consideration.
Co-Authors Aditya Fajri Kurnia Pradana B Baehaqi S Sulistyowati S Syamsuddin Subando, Joko -