Moh. Mukri’s research while affiliated with Universitas Bandar Lampung and other places

The rapid development of Artificial Intelligence (AI) has introduced complex legal challenges, particularly regarding regulation and compliance. This study examines the adequacy of Indonesia’s current legal framework in overseeing AI-based businesses and proposes an adaptive regulatory model informed by Islamic law. Using normative legal research and a qualitative approach, the study analyzes Indonesian legislation, Shariah legal principles, fatwās, academic literature, and comparative international regulations. Key regulatory gaps are identified in areas such as AI-based decision-making liability, algorithmic transparency, and data protection. These gaps are critically assessed through the lens of Maqāṣid al-Sharīʿah, including ḥifẓ al-ʿaql (protection of intellect), ḥifẓ al-māl (protection of wealth), and ḥifẓ al-nasl (protection of lineage and privacy), ensuring ethical alignment with Islamic values. To address these challenges, the research proposes a hybrid regulatory model combining principle-based and rule-based approaches, reinforced by risk-based standardization, certification schemes, and regulatory sandboxes. The “principle plus sandbox” model merges Shariah-based ethical norms with statutory regulation to support innovation while safeguarding public interest. Key contributions include: mapping Islamic legal objectives onto AI governance, designing a Shariah-compliant dispute resolution framework for AI-related business issues, and recommending the formation of a Shariah-informed AI regulatory authority in Indonesia. The study concludes that a balanced, adaptive legal framework—grounded in both legal certainty and Islamic ethical values—is essential for regulating AI in business contexts. This research contributes to developing more responsive, culturally rooted legal systems for AI governance in Muslim-majority countries

The spread of Covid-19 in Indonesia has had wide-ranging impacts on human life, particularly on the economy. Therefore, a breakthrough is needed to address this issue by actively involving the community and working with the government to develop a community economic development program. This background prompted this study intending to obtain the right program for MSMEs affected by Covid-19 in Lampung Province. This study uses a qualitative approach with data collection methods, including observation, interviews, and documentation. The data analysis method used is qualitative analysis, with conclusions drawn using deductive thinking frameworks. The results of this study indicate that the community economic development approach by the Lampung Provincial Government has been implemented using the processes and stages outlined in existing theories. From the process perspective, this approach has successfully gone through each process, and so far, the program is considered capable of addressing the problems faced by MSMEs affected by Covid-19. This approach is considered more effective, as the program has been widely felt and successfully fostered creativity, trust, discipline, optimism, and improving family economies. This approach has also been implemented by Islamic economic values , which consist of the values of divinity, justice, and cooperation.

This study aims to investigate the influence of lifestyle and trust in the use of Shopee Paylater services on consumer behavior, taking into account the Maqashid Sharia perspective, especially for students of the Faculty of Economics and Islamic Business at UIN Raden Intan Lampung. This research adopts a quantitative approach through the survey method and the use of questionnaires as a data collection technique. The research sample consisted of 84 students from the class of 2021 who used the Shopee Paylater service, selected through purposive sampling. The data were analyzed using multiple linear regression with the help of SPSS software. The independent variables used in this study include lifestyle (X1) and trust (X2), while consumer behavior (Y) is the dependent variable. The t-test results indicate that both lifestyle and trust individually have a positive and significant influence on consumer behavior. The F test results indicate that lifestyle and trust together have a positive and significant effect on consumer behavior. In the context of Maqashid Sharia, consumption that is carried out not only follows religious teachings, but also provides tangible benefits for individuals and society as a whole.

This paper explores the dimensions of ethics and professionalism in the context of human resources from the Islamic perspective. In its effort to delve deeper, this paper details the Islamic principles that guide ethical behavior and professionalism in human resources management. This understanding encompasses fundamental values such as justice, trustworthiness, and excellence, serving as the moral foundation for human resources practitioners grounded in Islam. A profound understanding of these principles not only provides a moral foundation for human resources practitioners but also has the potential to create a positive work environment. By applying these values, it is hoped that success, both at the individual and organizational levels, can be achieved while upholding the principles of Islamic ethics, thereby positively contributing to society as a whole. Keywords: human resource ethics, professionalism, Islamic principles

Objective: This research aims to examine the design model for innovation, risk identification of economic uncertainty and environmental uncertainty to improve banking performance in Indonesia. This research supports the theme of the G20 congress, how the world creates strategies to strengthen the economy amidst global uncertainty, then this study will examine how economic uncertainty can create significant risks for business. Methodology: The method used in this research is using data on the Indonesian Stock Exchange. There are 33 companies as samples for the 2021-2022 period, the test tool used is Stata. Result and Conlusion: The results of this research are that high economic policy uncertainty can hamper economic growth, reduce investment, or cause volatility in financial markets. Conversely, when the level of economic policy uncertainty is low, the confidence of economic actors can increase, and this can create a more stable environment and encourage economic activity. Innovation has an effect on increasing company performance with a coefficient of 0.0024 and a significance level of 0.30 < 0.05, meaning that innovation can mediate between economic and environmental uncertainty on performance, This aims to produce positive change, increase competitiveness and create added value. Risk produces a coefficient level that influences performance (0.04) but does not directly influence performance (0.77>0.05), meaning that risk cannot mediate between economic and environmental uncertainty on performance, this is because good risk can help manage risk and reduce NPL level. Novelty: The novelty in this research lies in the role of economic uncertainty and environmental uncertainty in improving banking performance, as well as looking at banking innovation and risk. This research can provide valuable insight for the banking industry in facing complex economic and environmental challenges, therefore the novelty presented in this study is that banking companies can seek innovation in adjusting product and service portfolios and implementation processes, as well as managing risks by paying attention to the consequences of changing policies.

Mobile banking adalah layanan jasa yang disediakan oleh bank yang memungkinkan nasabah dapat melakukan berbagai jenis transaksi kapanpun dan dimanapun melalui media handphone. Layanan ini bukan hanya dimanfaatkan oleh nasabah secara umum, tapi mahasiswa UIN sebagai pelanggan saat ini juga telah memanfaatkan layanan jasa tersebut dalam melakukan pembayaran tagihan kuliah. Namun, sebagian besar mahasiswa masih belum memanfaatkan kemudahan layanan tersebut. Penelitian ini bertujuan untuk mengetahui pengaruh efektivitas dan risiko penggunaan layanan m-banking pada Bank Syariah Indonesia terhadap kepuasan pelanggan. Penelitian ini menggunakan pendekatan kuantitatif. Populasi penelitian ini seluruh mahasiswa UIN angkatan 2019 berjumlah 6.435. Hasil penelitian ini yaitu variabel efektivitas tidak berpengaruh secara parsial terhadap kepuasan pelanggan dalam penggunaan layanan m-banking pada Bank Syariah Indonesia, sedangkan variabel risiko berpengaruh secara positif signifikan terhadap kepuasan pelanggan dalam penggunaan layanan m-banking pada Bank Syariah Indonesia.

Obtaining knowledge is the right of every human being to be able to bring a better and prosperous life. Humans as Muslims seek knowledge to be an important part and Islam also does not limit useful knowledge. To stay within the corridor of religiously useful knowledge such as Islamic Studies also requires a broad perspective through cross-study reviews. Construction of Islamic Studies can discuss many issues of life in terms of other scientific studies that support or can be referred to as Interdisciplinary Islamic Studies. This article is intended to find out the nature of Interdisciplinary Islamic Studies in terms of the philosophy of science. The study method used is through literature study, data collection based on literature such as books and journals. The results of the study reveal that Interdisciplinary Islamic Studies provides space for humans to overcome the complexities of existing human life problems, because these problems are not only solved based on one field of study. Interdisciplinary Islamic Studies builds a harmonious relationship between Islamic Studies and Science. The relationship between the two needs to be done to contribute to the good of both of them , s o that this study can produce comprehensive and moral knowledge.

Work ethic is a person's attitude and view at work, sourced from self-quality, realized based on values and implemented in activities at work. A work ethic based on Islamic values will form a Muslim full of responsibility and hard work in carrying out his duties at work. At a practical level, an understanding of the Islamic work ethic will have a major impact on work. The results of this study indicate that in general the understanding of the Islamic work ethic of the employees of UIN Raden Intan Lampung and IAIN Metro is in accordance with the theory of Islamic work ethic. However, in practice not all employees carry out an Islamic work ethic which includes work to seek sustenance, work is worship, work professionally, work hard, respect time (discipline), uphold honesty. According to the Islamic perspective, work is part of fulfilling the needs of life which are divided into primary, secondary and tertiary needs. These three needs are very important for the running of human life in general and humans in particular. If it does not work, then humans will naturally experience difficulties which will eventually fall into sin.

One of the issues that often arise in the national politics and up to now is still warm is the rejection of non-Muslim leadership in the Muslim community. This problem arises due to differences in the views of scholars in understanding the verses of the Qur'an and the Hadith of the Prophet. In order to solve these problems, this article seeks to find sources of library data and then describes the reality of non-Muslim leadership in Indonesia. The results showed that the scholars differed in opinion regarding the permissibility of non-Muslim leaders. First, forbid choosing non-Muslim leaders because they have similarities in interpreting lafadz awliya 'with helpers and leaders. Second, they allow non-Muslim leaders for Muslim-majority areas because they hold the view that lafadz awliya' is no longer appropriate in the current context. In the perspective of Islam, a leader is called the caliph al-nubuwwah as the successor of the Prophet in world affairs, religion, or the state, therefore the law authorizing non-Muslims to handle the affairs of Muslims is haram, the law is like asking non-Muslims for help to fight rebels, and so on. as well as taking care of the affairs of the Muslims in general, this is in accordance with the letter al-Maidah verse 51 concerning the inability to control the administrative affairs of the Muslims to non-Muslims

Zakat memiliki peran penting dalam kaitannya dengan pemberdayaan masyarakat, dan mengandung hikmah yang besar dan mulia, tidak hanya bagi orang yang berzakat, dan penerimannya, namun juga bagi masyarakat sekitar secara keseluruhan. Berdasarkan hal tersebut, tujuan penelitian ini adalah untuk menelaah lebih dalam tentang pemberian modal usaha melalui pendayagunaan zakat produktif oleh Baznas Provinsi Lampung dan DPU-DT Cabang Lampung melalui berbagai program yang solutif untuk masyarakat dhuafa. Metode penelitian yang digunakan adalah deskriptif kualitatif dengan menggunakan data kepustakaan dan data lapangan. Pengumpulan data lapangan menggunakan metode interview, observasi dan dokumentasi. Metode analisis data yang digunakan deskriptif komparatif analitik dengan membandingkan dua lembaga, pengambilan kesimpulan menggunakan kerangka berfikir induktif dan deduktif. Hasil penelitian ini yaitu pemberian modal usaha melalui pendayagunaan zakat produktif oleh Baznas dilaksanakan dengan menerapkan program Bina Ekonomi Terpadu. Ide dasar pendayagunaan tersebut adalah ketika menolong mustahiq maka jangan diberi “ikan”, namun diberi “kail”. Sedangkan Laznas DPU-DT melaksankan pendayagunaan zakat melalui Program Microfinance Syari’ah Berbasis Masyarakat (Misykat). Program ini bersifat produktif bukan charity, dengan menggunakan pola 2-2-1 dalam perguliran dana dan adanya sistem tanggung renteng. Program pendayagunaan zakat secara produktif tidak dilarang oleh Islam, sebab kemaslahatan yang dicapai dari program yang ada sesuai dengan tujuan ketetapan hukum Islam itu sendiri.