UDTR — Radar mondial des droits de la Nature

Transformation of Artificial Intelligence (AI) Based Credit Risk Assessment in Sharia P2P Lending: Perspectives Economic Law and Positive Law of Indonesia

Identification

Clé publique

doi:10.24952/yurisprudentia.v12i1.19443

Auteurs

Masir Rambe · Syilvia Kurnia Ritonga

Année déclarée

2026

Langue déclarée

en

Type source

article

Première détection

2026-11-09T19:04:47.820095+00:00

Dernière observation des métadonnées

2026-11-09T19:04:47.820095+00:00

Dernière vérification HTTP

Non effectuée

Institutions déclarées par la source

Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Pays d’affiliation déclarés

ID

Résumé documentaire — langue originale

This study aims to analyze the transformation of the use of Artificial Intelligence (AI) in credit risk assessment on the Sharia Lending Peer-to-Peer (P2P) platform and examine its conformity with the principles of sharia economic law and positive legal regulations in Indonesia. The use of AI is able to increase the speed, accuracy, and efficiency of the credit analysis process, but at the same time raises normative issues related to the validity of digital contracts, algorithm transparency, organizer accountability, personal data protection, and compliance with the principles of justice (al-'adl), trust, and benefits (maslahah). This research uses normative legal methods with legislative, conceptual, and philosophical approaches. Primary legal materials include DSN-MUI Fatwa Number 117/DSN-MUI/II/2018, POJK Number 10/POJK.05/2022, and Law Number 27 of 2022 concerning Personal Data Protection. The results of the study show that AI can be applied in Sharia P2P Lending as an instrument (wasilah) that is justified as long as its use supports the achievement of sharia goals (maqashid al-shari'ah) and does not contain elements of tyranny, gharar, or discrimination. However, AI characters that are black boxes have the potential to cause algorithmic bias, low transparency, and unclear legal accountability. On the other hand, national regulations have not regulated algorithm transparency standards or AI-based sharia supervision mechanisms comprehensively. Therefore, an integrative regulatory model is needed that synergizes sharia principles, AI ethics, and national law to realize legal certainty, substantive justice, and the sustainability of the sharia fintech ecosystem in the digital era.

Identifiants

OPENALEX

W7219817148

DOI

10.24952/yurisprudentia.v12i1.19443

Repères documentaires

Famille documentaire

Doctrine

Types déclarés par les sources

article

Juridictions étudiées — sources explicites

ID

Entités naturelles mentionnées

Écosystème

Les mentions d’entités ne constituent pas une preuve de reconnaissance juridique. La juridiction étudiée est distincte du pays d’affiliation des auteurs.

Sources

OpenAlex · Document 1 · Document 2

• DOI · https://doi.org/10.24952/yurisprudentia.v12i1.19443
• OpenAlex · https://openalex.org/W7219817148

Relations bibliographiques documentées

Références et liens déclarés par les sources ; ils ne constituent pas une preuve juridique ni une qualification UGLC. Affichage limité à 20 références sortantes.

• openalex:w1973886027 · CITES
• openalex:w2695895952 · CITES
• openalex:w2996921840 · CITES
• openalex:w4200512364 · CITES
• openalex:w4224272950 · CITES
• openalex:w4310999176 · CITES
• openalex:w4400661573 · CITES
• openalex:w4404083750 · CITES
• openalex:w4405302364 · CITES
• openalex:w4406079073 · CITES
• openalex:w4406289313 · CITES
• openalex:w4407192799 · CITES
• openalex:w4407310374 · CITES
• openalex:w4413842057 · CITES
• openalex:w7108455472 · CITES
• openalex:w7152531896 · CITES
• openalex:w7160947344 · CITES
• openalex:w7216363634 · CITES

0 références entrantes au sein du corpus détecté

Statut documentaire

Pertinence à examiner

Bibliothèque

Cette identité n’est pas encore intégrée à la Bibliothèque juridique.