A COMPREHENSIVE LITERATURE REVIEW OF AI IMPLEMENTATION THROUGH ISLAMIC PRINCIPLES IN EDUCATION, FINANCIAL SERVICES, AND LAW

Authors

  • Nazruddin Safaat Harahap Lecturer, Teknik Informatika, Fakultas Sains dan Teknologi, Universitas Islam Negeri Sultan Syarif Kasim Riau, HR. Soebrantas Street, No. 155, KM 15, Simpang Baru Panam, Pekanbaru, 28293, Riau, Indonesia
  • Farhan Aulia Pratama Teknik Informatika, Fakultas Sains dan Teknologi, Universitas Islam Negeri Sultan Syarif Kasim Riau, HR. Soebrantas Street, No. 155, KM 15, Simpang Baru Panam, Pekanbaru, 28293, Riau, Indonesia
  • Gilang Ramadhan Indra Teknik Informatika, Fakultas Sains dan Teknologi, Universitas Islam Negeri Sultan Syarif Kasim Riau, HR. Soebrantas Street, No. 155, KM 15, Simpang Baru Panam, Pekanbaru, 28293, Riau, Indonesia

DOI:

https://doi.org/10.22452/

Keywords:

Artificial Intelligence; Islamic Education; Islamic Finance; Islamic Law; Shariah Compliance; Ethical AI

Abstract

Artificial Intelligence (AI) is profoundly reshaping global sectors, necessitating its examination within diverse cultural and ethical frameworks, particularly the Islamic worldview. This review investigates AI’s integration into Islamic education, finance, and law, analyzing its transformative potential and inherent challenges. Through a qualitative literature review, we explore AI’s capacity to personalize religious learning, enhance Shariah compliance in finance, and modernize legal processes, including fatwa issuance. However, significant ethical dilemmas like algorithmic bias and data privacy, alongside practical barriers such as infrastructural deficits and the need for robust regulatory frameworks, demand careful consideration. This paper argues for a collaborative approach—uniting technologists, Islamic scholars, and policymakers—to ensure AI aligns with core Islamic values like justice and transparency. It highlights the critical need for ongoing dialogue and research to ethically navigate AI’s development, ensuring it contributes to societal betterment in harmony with Islamic principles.

Author Biographies

  • Nazruddin Safaat Harahap, Lecturer, Teknik Informatika, Fakultas Sains dan Teknologi, Universitas Islam Negeri Sultan Syarif Kasim Riau, HR. Soebrantas Street, No. 155, KM 15, Simpang Baru Panam, Pekanbaru, 28293, Riau, Indonesia

    Lecturer, Teknik Informatika, Fakultas Sains dan Teknologi, Universitas Islam

    Negeri Sultan Syarif Kasim Riau, HR. Soebrantas Street, No. 155, KM

    15, Simpang Baru Panam, Pekanbaru, 28293, Riau, Indonesia

  • Farhan Aulia Pratama, Teknik Informatika, Fakultas Sains dan Teknologi, Universitas Islam Negeri Sultan Syarif Kasim Riau, HR. Soebrantas Street, No. 155, KM 15, Simpang Baru Panam, Pekanbaru, 28293, Riau, Indonesia

    Teknik Informatika, Fakultas Sains dan Teknologi, Universitas Islam

    Negeri Sultan Syarif Kasim Riau, HR. Soebrantas Street, No. 155, KM

    15, Simpang Baru Panam, Pekanbaru, 28293, Riau, Indonesia

  • Gilang Ramadhan Indra, Teknik Informatika, Fakultas Sains dan Teknologi, Universitas Islam Negeri Sultan Syarif Kasim Riau, HR. Soebrantas Street, No. 155, KM 15, Simpang Baru Panam, Pekanbaru, 28293, Riau, Indonesia

    Teknik Informatika, Fakultas Sains dan Teknologi, Universitas Islam

    Negeri Sultan Syarif Kasim Riau, HR. Soebrantas Street, No. 155, KM

    15, Simpang Baru Panam, Pekanbaru, 28293, Riau, Indonesia

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Published

2026-04-24

Issue

Vol. 6 No. 1 (2026): Online Journal of Islamic Management and Finance

Section

Islamic Management

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The published manuscript shall be a copyright of the Department of Islamic Management and Finance, Academy of Islamic Studies, Universiti Malaya, Kuala Lumpur, Malaysia. The published manuscript would not represent the stand or opinion of the Advisory Board, Editorial Board, Co-Editorial Board and the Management Team of Online Journal of Islamic Management and Finance (OJIMF), or the Department of Islamic Management and Finance, Academy of Islamic Studies, Universiti Malaya.

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