Jihbiz: Jurnal Ekonomi, Keuangan dan Perbankan Syariah
Vol 10 No 2 (2026): Jihbiz Volume 10 Nomor 2 (Juli 2026)

Etika Kecerdasan Buatan Berbasis Maqashid Syariah: Konseptualisasi Kerangka untuk Sektor Keuangan Islam di Indonesia

Zumrotun Nazia (Universitas Sunan Gresik, Gresik, East Java, Indonesia)
Muhammad Adi Adrian (Universitas Sunan Gresik, Gresik, East Java, Indonesia)
Agus Suaidi Hasan (Universitas Sunan Gresik, Gresik, East Java, Indonesia)
Nanang Alisyah Daud (Universitas Sunan Gresik, Gresik, East Java, Indonesia)



Article Info

Publish Date
21 Jul 2026

Abstract

The development of artificial intelligence (AI) in Indonesia's Islamic finance sector offers efficiency, financial inclusion, and strengthened regulatory compliance, but also raises ethical issues, algorithmic bias, and sharia compliance. This article aims to formulate an AI ethics framework based on maqashid al-shariah to serve as a reference for sustainable AI governance in Islamic banking and finance. The method used is a systematic literature review of reputable indexed articles discussing Islamic AI ethics, maqashid al-shariah, and the application of AI in Indonesian Islamic finance. The results of the study indicate that the dimensions of hifz al-din, al-nafs, al-aql, al-nasl, and al-mal can be operationalized into the principles of transparency, accountability, justice, data protection, and public interest orientation in AI design and supervision. The recommendations from this study are to propose a conceptual framework that integrates maqashid al-syariah with a modern AI risk governance model, as well as recommending strengthening regulations, the role of the DPS, and AI ethics literacy in Indonesian Islamic financial institutions.

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Journal Info

Abbrev

jihbiz

Publisher

Subject

Economics, Econometrics & Finance

Description

JIHBIZ: Journal of Islamic Economics, Finance, and Banking has a focus study on Islamic economics, Islamic finance, and Islamic banking. While the scope of studies in this journal includes: Islamic Economics: Islamic economics thought, national Islamic economy strategies, the ecosystem of shariah ...