Penerapan artificial intelligence sebagai inovasi di era disrupsi dalam mengurangi resiko lembaga keuangan mikro syariah

Sulistyowati, Sulistyowati, Rahayu, Yayuk Sri ORCID: https://orcid.org/0000-0001-6315-7943 and Naja, Chifni Darun (2023) Penerapan artificial intelligence sebagai inovasi di era disrupsi dalam mengurangi resiko lembaga keuangan mikro syariah. Wadiah : Jurnal Perbankan Syariah, 7 (2). pp. 117-142. ISSN 2599-1515

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Abstract

This study aims to determine the effect of Artificial Intelligence (AI) in the banking sector and the role of AI in risk management of Islamic microfinance institutions. This research is a qualitative research using a literature study approach, obtained from several sources of literature in the form of scientific journals, articles, previous research and related e-books which are published in media with clear credibility online. Data were analyzed using descriptive analysis related to the application of artificial intelligence in risk management in banks as a whole, then summed up the results of these studies. This study found that banking is included in the field that is required to be able to apply AI to the fullest, due to very competitive competition. In addition, we also found that artificial intelligence, which plays a role in risk management, can really help Islamic microfinance institutions to overcome and minimize problems that occur, so that they can optimize income and reduce losses.

Item Type:	Journal Article
Keywords:	artificial intelligence; Islamic microfinance; risk management
Subjects:	15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1505 Marketing
Divisions:	Faculty of Economics > Department of Islamic Banking
Depositing User:	Yayuk Sri Rahayu
Date Deposited:	09 Jun 2023 05:59

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