Proceeding ISETH (International Summit on Science, Technology, and Humanity)
2025: Proceeding ISETH (International Summit on Science, Technology, and Humanity)

Artificial Intelligence in Islamic Finance: Maintaining Islamic Ethics with the Maqasid al-Shariah Framework

Harits, Muhammad (Unknown)
Isman, Isman (Unknown)



Article Info

Publish Date
05 Feb 2026

Abstract

Purpose: This study aims to analyse the application of AI in Islamic economics, identify emerging ethical challenges, and offer a maqasid al-shariah-based framework as a guide for sharia-compliant AI implementation. Methodology: The method used is a qualitative approach through a literature review to examine previous studies on the integration of AI in Islamic finance. Results: The results show that AI can improve operational efficiency, reduce costs, and expand access to Islamic financial services, especially for the unbanked and underbanked. However, the application of AI faces difficulties in aligning algorithms with sharia principles, particularly in terms of fairness and strict sharia supervision. Applications/Originality/Value: The novelty of this study is the proposal of a conceptual framework based on maqasid al-shariah that can ensure the ethical application of AI in accordance with Islamic values.

Copyrights © 2025






Journal Info

Abbrev

iseth

Publisher

Subject

Computer Science & IT Engineering Medicine & Pharmacology Social Sciences Other

Description

The International Summit on Science, Technology and Humanity (ISETH) is organised by Universitas Muhammadiyah Surakarta. This summit aims to provide a platform for researchers and academics to share their research findings with others and meet lecturers and researchers from other institutions and to ...