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Optimizing AI Technology in Assessing Islamic Financing Risks: A SWOT Analysis of Challenges and Opportunities from an Islamic Legal Perspective (Fiqh)

Al-Istinbath : Jurnal Hukum Islam · Vol. 10 No. 1 (2025) · hlm. 172–193

DOI
10.29240/jhi.v10i1.11941
ISSN
2548-3382, 2548-3374
Terbit
2025-04-28
Penerbit
Institut Agama Islam Negeri Curup
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-nc-sa/4.0

Abstrak

This study aims to analyze the implementation of AI in Islamic financial risk assessment using a SWOT approach. The primary objective is to evaluate how AI can be integrated to enhance risk assessment effectiveness while ensuring compliance with Islamic legal principles (Fiqh), particularly the prohibition of Riba, the avoidance of Gharar, and the promotion of ethical transparency. A qualitative methodology with a descriptive analytical approach is employed in this research. Data sources include scholarly literature, regulatory policies, industry reports, and case studies related to AI adoption in Islamic finance. The analysis utilizes the IFAS and EFAS to assess internal and external factors influencing AI adoption. Additionally, an Islamic legal analysis is conducted to ensure that AI implementation aligns with Shariah principles. The findings reveal that AI has significant potential to enhance efficiency and innovation in Islamic finance. However, challenges such as infrastructure limitations and a lack of technological literacy pose obstacles to its implementation. From an external perspective, opportunities for financial inclusion and strategic technological partnerships are expanding, yet concerns regarding data security and regulatory uncertainties remain prevalent. From an Islamic legal standpoint, this study underscores the importance of developing an AI framework that adheres to Shariah principles. The adoption of AI in Islamic finance must follow a balanced approach by leveraging external opportunities, addressing internal challenges, and ensuring compliance with ethical and legal standards. This study offers strategic insights into AI integration within Islamic finance, contributing to its sustainability and global competitiveness.

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  • Cenderawasih University
  • Universitas Islam Negeri Raden Intan Lampung
  • Udayana University
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Enung NugrahaAfiliasi tidak diketahui4
Encep SyarifudinAfiliasi tidak diketahui3
Abdul MuinAfiliasi tidak diketahui3
Tiurlina SiregarCenderawasih University2
Birru MuqdamienAfiliasi tidak diketahui2
Muhamad AfifAfiliasi tidak diketahui2
Fitri HilmiyatiAfiliasi tidak diketahui2
Wasehudin WasehudinAfiliasi tidak diketahui2
Muhammad FauziUdayana University2
Amin HidayatAfiliasi tidak diketahui2
Hotlan SamosirAfiliasi tidak diketahui1
Albert LumbuCenderawasih University1
Lisda Cahya VeliaAfiliasi tidak diketahui1
Vania NurachmaAfiliasi tidak diketahui1
Teuku MurdaniAfiliasi tidak diketahui1
Novia ChulayatiAfiliasi tidak diketahui1
Azka Mutiara SalsabilaAfiliasi tidak diketahui1
Badrudin BadrudinAfiliasi tidak diketahui1
E. SyarifuddinAfiliasi tidak diketahui1
Syaza Hazwani ZainiAfiliasi tidak diketahui1
Mahfud MahfudAfiliasi tidak diketahui1
Asep FurqonuddinAfiliasi tidak diketahui1
Kholid KholidAfiliasi tidak diketahui1
Iwan KosasihAfiliasi tidak diketahui1
Syafrimen SyafrilUniversitas Islam Negeri Raden Intan Lampung1
Agus PahrudinUniversitas Islam Negeri Raden Intan Lampung1
Koderi KoderiAfiliasi tidak diketahui1
Deti EliceAfiliasi tidak diketahui1
Iin Ratna SumiratAfiliasi tidak diketahui1
Dhika TabroziAfiliasi tidak diketahui1
Arif RahmanAfiliasi tidak diketahui1
Sutanto SutantoAfiliasi tidak diketahui1
Eko Wahyu WibowoAfiliasi tidak diketahui1
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Reza SyafrizalAfiliasi tidak diketahui1
Syifa Amara DhestiyaniAfiliasi tidak diketahui1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) http://journal.iaincurup.ac.id/index.php/alistinbath/oai, pertama di-harvest 8 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en-US">Optimizing AI Technology in Assessing Islamic Financing Risks: A SWOT Analysis of Challenges and Opportunities from an Islamic Legal Perspective (Fiqh)</dc:title>
	<dc:creator>Wazin, Wazin</dc:creator>
	<dc:creator>Siti Patimah</dc:creator>
	<dc:creator>Aan Ansori</dc:creator>
	<dc:creator>Wasehudin</dc:creator>
	<dc:subject xml:lang="en-US">Artificial intelligence</dc:subject>
	<dc:subject xml:lang="en-US">Islamic Financing</dc:subject>
	<dc:subject xml:lang="en-US">Islamic Legal Perspective</dc:subject>
	<dc:description xml:lang="en-US">This study aims to analyze the implementation of AI in Islamic financial risk assessment using a SWOT approach. The primary objective is to evaluate how AI can be integrated to enhance risk assessment effectiveness while ensuring compliance with Islamic legal principles (Fiqh), particularly the prohibition of Riba, the avoidance of Gharar, and the promotion of ethical transparency. A qualitative methodology with a descriptive analytical approach is employed in this research. Data sources include scholarly literature, regulatory policies, industry reports, and case studies related to AI adoption in Islamic finance. The analysis utilizes the IFAS and EFAS to assess internal and external factors influencing AI adoption. Additionally, an Islamic legal analysis is conducted to ensure that AI implementation aligns with Shariah principles. The findings reveal that AI has significant potential to enhance efficiency and innovation in Islamic finance. However, challenges such as infrastructure limitations and a lack of technological literacy pose obstacles to its implementation. From an external perspective, opportunities for financial inclusion and strategic technological partnerships are expanding, yet concerns regarding data security and regulatory uncertainties remain prevalent. From an Islamic legal standpoint, this study underscores the importance of developing an AI framework that adheres to Shariah principles. The adoption of AI in Islamic finance must follow a balanced approach by leveraging external opportunities, addressing internal challenges, and ensuring compliance with ethical and legal standards. This study offers strategic insights into AI integration within Islamic finance, contributing to its sustainability and global competitiveness.</dc:description>
	<dc:publisher xml:lang="en-US">Institut Agama Islam Negeri Curup</dc:publisher>
	<dc:date>2025-04-28</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.iaincurup.ac.id/index.php/alistinbath/article/view/11941</dc:identifier>
	<dc:identifier>10.29240/jhi.v10i1.11941</dc:identifier>
	<dc:source xml:lang="en-US">Al-Istinbath: Jurnal Hukum Islam; Vol. 10 No. 1 (2025); 172-193</dc:source>
	<dc:source xml:lang="id-ID">AL-ISTINBATH : Jurnal Hukum Islam; Vol 10 No 1 (2025); 172-193</dc:source>
	<dc:source>2548-3382</dc:source>
	<dc:source>2548-3374</dc:source>
	<dc:source>10.29240/jhi.v10i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.iaincurup.ac.id/index.php/alistinbath/article/view/11941/3382</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2025 Wazin Wazin, Siti Patimah, Aan Ansori, Wasehudin</dc:rights>
	<dc:rights xml:lang="en-US">https://creativecommons.org/licenses/by-nc-sa/4.0</dc:rights>
</oai_dc:dc>