Model Integrasi Artificial Intelligence Dalam Meningkatkan Kualitas Keputusan Pembiayaan Syariah Berbasis Maqashid Syariah Pada Bank Syariah Indonesia

Abstract

This study aims to examine the influence of Artificial Intelligence on the quality of Islamic financing decisions and to develop an integrated AI model based on Maqashid Shariah within Bank Syariah Indonesia. This research employs a quantitative explanatory approach. Primary data were collected through questionnaires distributed to employees involved in financing activities using a purposive sampling technique. Data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The proposed model incorporates four main constructs: Artificial Intelligence implementation, information quality, financing decision quality, and the achievement of Maqashid Shariah. The findings are expected to demonstrate that Artificial Intelligence has a positive and significant effect on improving information quality and financing decision quality. Furthermore, AI-supported financing decisions are anticipated to contribute to the realization of Maqashid Shariah, particularly in promoting justice, transparency, wealth protection (hifz al-mal), and public welfare (maslahah). The novelty of this study lies in the development of an integrated framework that combines Artificial Intelligence with Maqashid Shariah indicators as an evaluative foundation for Islamic financing decisions.