<![CDATA[This study optimizes resource allocation in Islamic banking using Design of Experiments (DOE) and Orthogonal Arrays (OA) to minimize simulation scenarios while ensuring statistical validity. Focusing on a West Aceh-based bank (4 tellers, 2 CS agents, 5 ATMs), the research addresses operational inefficiencies prolonged queues, resource misalignment conflicting with Sharia principles of efficiency (israf avoidance) and equity, exacerbated by seasonal demand fluctuations. A Full Factorial Design initially generated 40 scenarios (200 iterations), imposing high computational burdens. OA techniques reduced scenarios to 9 (77.5% fewer iterations, 45 total), maintaining a 95% confidence level (z-score=1.96) and 1-minute margin of error. Utility differences between methods were marginal (CS:1.3%, Teller:1.5%, ATM:2.3%) and statistically insignificant, confirming OA’s reliability. Critical interactions (e.g., CS=1 paired with all Teller levels) and balanced configurations (Teller=3 + ATM=3 “sweet spot”) were identified, despite minor imbalances (e.g., ATM=4 tested once). The approach advocates data-driven policies deploying ATMs during CS shortages and optimizing human-technology ratios aligning with Sharia ethics by reducing waste and enhancing equity. With 77.5% computational savings, this methodology offers scalable solutions for Islamic finance and dynamic sectors, bridging statistical rigor with ethical governance in resource optimization.]]>
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