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All Journal Proceeding ISETH (International Summit on Science, Technology, and Humanity) AL HUKMU: Journal of Islamic Law and Economics
S Syamsuddin
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.
Perkawinan Usia Muda dan Pengaruhnya Terhadap Angka Perceraian di KUA Kecamatan Ngawen Kabupaten Klaten Tahun 2021 – 2022 S Sukriyanto; S Syamsuddin
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.949

Abstract

Early marriage is still common in Indonesia. Until now, we increasingly hear the phenomenon of early marriage not only among indigenous people but has also spread to school students who should be focusing on studying and developing talents. Marriage is essentially not only a bond to legalize biological relationships but also to form a family that is independent in thinking and solving problems in marriage. Due to the unpreparedness of the perpetrators of early marriage, conflicts that end in divorce often end the bond. This study aims to determine and explain the causes of early marriage, problems that occur in marriage, and to explain the impact of early marriage on married life in Ngawen District, Klaten Regency. This type of research is descriptive qualitative using observation data collection methods, interviews and documentation studies. Data analysis is carried out by data reduction, data display and conclusion stages. The results of the study indicate that the causes of married couples getting married at an early age in Ngawen District are due to free association factors, the increasing spread of free sex among teenagers, due to economic factors, low education factors, and parental encouragement. Early marriage causes the impact of losing educational opportunities, losing opportunities to develop and express themselves, being vulnerable to pregnancy and fetal problems, being vulnerable to domestic violence, causing social problems, and can lead to divorce.
Co-Authors S Sukriyanto S Sulistyowati Subando, Joko - Yuni Safitri