This work is licensed under a Creative Commons Attribution 4.0 International License.
Artificial Intelligence for Inclusive Learning within Sharia Educational Ethics
Corresponding Author(s) : Ninda Lutfiani
Jurnal MENTARI: Manajemen, Pendidikan dan Teknologi Informasi,
Vol. 4 No. 2 (2026): March
Abstract
The integration of Artificial Intelligence (AI) in education has created new opportunities to enhance inclusive learning across diverse educational contexts. In Islamic educational institutions, the adoption of AI presents a dual responsibility to embrace technological innovation while ensuring alignment with Sharia based ethical principles that emphasize justice, accountability, and respect for human dignity. This study investigates how AI is utilized to support inclusive learning within Islamic education settings in Southeast Asia using a qualitative descriptive approach with a multi-site case study design. Data were collected through semi-structured interviews with teachers, school leaders, and IT developers from selected Islamic educational institutions and analyzed using thematic coding techniques. The findings reveal that AI contributes positively to inclusive learning by enabling adaptive instruction, personalizing learning content, facilitating early identification of learning barriers, and supporting data-driven decision-making. When implemented within Sharia-compliant ethical frameworks, AI enhances fairness, balanced participation, and student engagement. However, the study also identifies several challenges, including limited content filtering mechanisms, insufficient data privacy governance, and the risk of algorithmic bias that may unintentionally marginalize certain student groups. This research highlights the importance of ethical governance and value-based AI design to ensure that AI adoption in Islamic education remains equitable, inclusive, and contextually appropriate. The findings provide strategic implications for institutional policy development, curriculum planning, and the long-term governance of AI-driven educational systems within Islamic educational environments.
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- S. Sumadiyah, S. Syarifah, and M. Nurhasanah, “Optimalisasi peranan artificial intelligence dalam membangun moderasi beragama di universitas islam kadiri,” Indonesian Journal of Humanities and Social Sciences, vol. 6, no. 1, pp. 254–268, 2025.
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- W. E. Saputri, R. Hurriyati, and T. Gunawan, “The influence of functional and green values on gen z green product purchases and entrepreneurial opportunities,” Aptisi Transactions on Technopreneurship (ATT), vol. 6, no. 3, pp. 562–573, 2024.
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- I. Maryani, Artificial intelligence dalam pendidikan: sebuah bunga rampai. K-Media, 2025.
- S. Septiani, P. Seviawani et al., “Penggunaan big data untuk personalisasi layanan dalam bisnis e-commerce,” ADI Bisnis Digital Interdisiplin Jurnal, vol. 5, no. 1, pp. 51–57, 2024.
- T. N. Fitria, “Islamic banking digitalization: Challenges and opportunities in the era of industrial revolution 4.0,” Jurnal Ilmiah Ekonomi Islam, vol. 11, no. 1, 2025.
- H. Abdullah, F. A. Mohd Zain, H. Juahir, H. I. Che Haron, A. Ismail, T. Islam, and S. A. F. Sheikh Ahmad Tajuddin, “Developing tahfiz empowerment index based on maqasid shariah,” International Journal of Islamic and Middle Eastern Finance and Management, 2025.
- E. J. A. H. Nasution, “Digital governance model for zakat based on mui fatwas in indonesia,” International Journal of Cyber and IT Service Management (IJCITSM), vol. 5, no. 2, pp. 223–234, 2025.
- R. Malik, A. Malik, and M. Mustika, “Artificial intelligence and islamic law: Ethical implications and fiqh fatwas in the digital age,” Journal of Family Law and Islamic Court, vol. 3, no. 2, 2024.
- N. Arifa, H. Ma’ruf, R. Fidzi et al., “Integrasi kecerdasan buatan dalam pembelajaran pai: Peluang & tantangan,” JIP: Jurnal Ilmu Pendidikan, vol. 3, no. 2, pp. 205–220, 2025.
- H. Noor, M. Muhdi, G. N. K. MR, and H. Herlinawati, “Peluang dan tantangan pendidikan agama islam di era artificial intelligence,” SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan, vol. 4, no. 6, pp. 801–810, 2025.
- I. Qizam, I. Berakon, and H. Ali, “The role of halal value chain, sharia financial inclusion, and digital economy in socio-economic transformation: a study of islamic boarding schools in indonesia,” Journal of Islamic Marketing, vol. 16, no. 3, pp. 810–840, 2025.
- D. Niham, L. Elle, A. Yuriah, and I. Alifaddin, “Utilization of big data in libraries by using data mining,” International Journal of Cyber and IT Service Management, vol. 3, no. 2, pp. 79–85, 2023.
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- I. R. Maulana, U. Rahardja, N. Azizah, M. Rakhmansyah, and M. A. Komara, “Leveraging ipfs to build secure and decentralized websites in the web 3.0 era,” IAIC Transactions on Sustainable Digital Innovation (ITSDI), vol. 7, no. 1, pp. 1–12, 2025.
- R. Nuri, “Transformation of islamic finance in the digital era: Developments and challenges of halal fintech,” Journal of Halal Review, vol. 1, no. 1, pp. 36–50, 2025.
- H. Nusantoro, P. A. Sunarya, N. P. L. Santoso, and S. Maulana, “Generation smart education learning process of blockchain-based in universities,” Blockchain Frontier Technology, vol. 1, no. 01, pp. 21–34, 2021.
- S. P. Ashari, A. Latip, A. Rahman, S. Pd, E. Waluyanti, S. Esti Kusminingsih et al., Pendidikan Agama Islam dalam Lensa Filsafat Ilmu. Uwais Inspirasi Indonesia, 2025.
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- A. Yusgiantara, N. Labib et al., “Penerapan kecerdasan buatan dalam pendidikan islam dalam masyarakat kontemporer 5.0: Prospek, kendala, dan pendekatan adaptif,” Jurnal Media Akademik (JMA), vol. 3, no. 6, 2025.
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- Q. Aini, D. Manongga, U. Rahardja, I. Sembiring, and Y.-M. Li, “Understanding behavioral intention to use of air quality monitoring solutions with emphasis on technology readiness,” International Journal of Human–Computer Interaction, vol. 41, no. 8, pp. 5079–5099, 2025.
- N. Alia, M. Subli et al., “Understanding and implementing islamic law: Challenges and solutions in modern contexts,” Antmind Review: Journal of Sharia and Legal Ethics, vol. 1, no. 2, pp. 72–82, 2024.
- E. R. Kismawadi, “Human-centric ai in islamic finance: Bridging technology and tradition for enhanced entrepreneurial interactions,” in Human-Centric AI in Digital Transformation and Entrepreneurship. IGI Global Scientific Publishing, 2025, pp. 319–338.
- R. Fahrudin, Y. F. DWI, F. A. YADI, A. Wilson, and T. Kuusk, “Addressing regulatory risks in fintech through decentralized technologies,” APTISI TRANSACTIONS ON MANAGEMENT : iLearning Journal Center, vol. 8, no. 3, pp. 204–212, 2024.
- N. Lutfiani and L. Meria, “Utilization of big data in educational technology research,” International Transactions on Education Technology, vol. 1, no. 1, pp. 73–83, 2022.
- S. C. Ati, Z. Ariani, N. F. Hidayanti, M. Syarif, and N. Y. S. Dewi, “Integration of financial technology (fintech) with islamic finance: Literature review and future research agenda,” in Proceeding of Islamic International Conference on Education, Communication, and Economics, vol. 1, 2025, pp. 328–334.
- Y. A. Bashori, K. Umami, and S. H. Wahid, “Maqasid shariah-based digital economy model: integration, sustainability and transformation,” Malaysian J. Syariah & L., vol. 12, p. 405, 2024.
- M. Lukman Hakim, S.Sos. (2022, Dec) Peranan kecerdasan buatan (artificial intelligence) dalam pendidikan. Direktorat Pendidikan Profesi Guru (PPG) – Kemendikdasmen. [Online]. Available: https://ppg.dikdasmen.go.id/news/peranan-kecerdasan-buatan-artificial-intelligence-dalam-pendidikan
- I. S. Masuroh and D. A. Mardani, “Artificial intelligence dan pendidikan pendidikan islam: sebuah pendekatan holistik implementatif,” INTEGRATIF— Jurnal Magister Pendidikan Agama Islam, vol. 6, no. 1, pp. 85–101, 2025.
- A. Efferi, K. N. Aflah, O. Dermawan, I. Islahuddin, and M. Waeno, “Exploring educational dynamics in conflict-affected areas of southern thailand: A qualitative case study with an islamic education approach:- ,” Nazhruna: Jurnal Pendidikan Islam, vol. 8, no. 1, pp. 176–194, 2025.
- E. R. Kismawadi, “Islamic fintech: navigating the regulatory framework and promoting financial inclusion in gulf cooperation council (gcc) countries,” Journal of Islamic Marketing, vol. 16, no. 6, pp. 1742–1769, 2025.
- Z. Zainol, G. Brotosaputro, S. C. Chen, and E. A. Natasya, “Designing ethical ai systems for sustainable technology development,” ADI Journal on Recent Innovation, vol. 6, no. 2, pp. 201–211, 2025.
- H. Abdullah, N. H. Mohammed Foziah, M. K. Shahid, N. F. Mohd Fadhil, A. H. Ngah, and A. M. Abdullah, “Faith and sustainability: developing maqasid shariah-based elderly care organization empowerment index,” Quality in Ageing and Older Adults, 2025.
- A. Dawam and K. Syaidah, “Mengintegrasikan teknologi digital dan artificial intelligence (ai) untuk pengalaman belajar mahasiswa yang lebih baik,” in Prosiding Seminar Nasional Fakultas Ilmu Tarbiyah dan Keguruan UIN Syarif Hidayatullah Jakarta, vol. 2, no. 1, 2025, pp. 235–252.
- U. Rahardja, M. Budiarto, K. Lutfiyah, O. F. P. Wahyudi, I. K. H. Azz, N. Azizah, and D. Julianingsih, “Analysis of the effectiveness of visual language and narrative in conveying value propositions in pitching decks,” International Transactions on Artificial Intelligence, vol. 3, no. 2, pp. 161–170, 2025.
- M. Arifah and H. Ardiansyah, “Peran pendidikan ekonomi dalam mengembangkan jiwa dan semangat kewirausahaan mahasiswa di era digital,” Jurnal Pendidikan Tambusai, vol. 9, no. 2, p. –, 2025
References
S. Sumadiyah, S. Syarifah, and M. Nurhasanah, “Optimalisasi peranan artificial intelligence dalam membangun moderasi beragama di universitas islam kadiri,” Indonesian Journal of Humanities and Social Sciences, vol. 6, no. 1, pp. 254–268, 2025.
S. Shaddiq, W. R. Amalia, A. Azwary, K. Khuzaini, and M. Jarkawi, “Implementation of sharia-based behavioral education management and human resource information system (hris) in the industrial age 4.0,” in Proceedings of the International Conference on Sustainable Collaboration in Business, Technology, Information, and Innovation (SCBTII 2024), vol. 303. Springer Nature, 2024, p. 71.
W. Wazin, S. Patimah, A. Ansori et al., “Optimizing ai technology in assessing islamic financing risks: A swot analysis of challenges and opportunities from an islamic legal perspective (fiqh),” Al-Istinbath: Jurnal Hukum Islam, vol. 10, no. 1, pp. 172–193, 2025.
W. E. Saputri, R. Hurriyati, and T. Gunawan, “The influence of functional and green values on gen z green product purchases and entrepreneurial opportunities,” Aptisi Transactions on Technopreneurship (ATT), vol. 6, no. 3, pp. 562–573, 2024.
E. H. F. El-Hady and M. F. Zenrif, “Pandangan islam terhadap etika kecerdasan buatan (artificial intelligence) dalam kehidupan sehari-hari,” Nuansa: Jurnal Penelitian Ilmu Sosial Dan Keagamaan Islam, vol. 21, no. 2, pp. 84–98, 2024.
I. Maryani, Artificial intelligence dalam pendidikan: sebuah bunga rampai. K-Media, 2025.
S. Septiani, P. Seviawani et al., “Penggunaan big data untuk personalisasi layanan dalam bisnis e-commerce,” ADI Bisnis Digital Interdisiplin Jurnal, vol. 5, no. 1, pp. 51–57, 2024.
T. N. Fitria, “Islamic banking digitalization: Challenges and opportunities in the era of industrial revolution 4.0,” Jurnal Ilmiah Ekonomi Islam, vol. 11, no. 1, 2025.
H. Abdullah, F. A. Mohd Zain, H. Juahir, H. I. Che Haron, A. Ismail, T. Islam, and S. A. F. Sheikh Ahmad Tajuddin, “Developing tahfiz empowerment index based on maqasid shariah,” International Journal of Islamic and Middle Eastern Finance and Management, 2025.
E. J. A. H. Nasution, “Digital governance model for zakat based on mui fatwas in indonesia,” International Journal of Cyber and IT Service Management (IJCITSM), vol. 5, no. 2, pp. 223–234, 2025.
R. Malik, A. Malik, and M. Mustika, “Artificial intelligence and islamic law: Ethical implications and fiqh fatwas in the digital age,” Journal of Family Law and Islamic Court, vol. 3, no. 2, 2024.
N. Arifa, H. Ma’ruf, R. Fidzi et al., “Integrasi kecerdasan buatan dalam pembelajaran pai: Peluang & tantangan,” JIP: Jurnal Ilmu Pendidikan, vol. 3, no. 2, pp. 205–220, 2025.
H. Noor, M. Muhdi, G. N. K. MR, and H. Herlinawati, “Peluang dan tantangan pendidikan agama islam di era artificial intelligence,” SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan, vol. 4, no. 6, pp. 801–810, 2025.
I. Qizam, I. Berakon, and H. Ali, “The role of halal value chain, sharia financial inclusion, and digital economy in socio-economic transformation: a study of islamic boarding schools in indonesia,” Journal of Islamic Marketing, vol. 16, no. 3, pp. 810–840, 2025.
D. Niham, L. Elle, A. Yuriah, and I. Alifaddin, “Utilization of big data in libraries by using data mining,” International Journal of Cyber and IT Service Management, vol. 3, no. 2, pp. 79–85, 2023.
L. Syakirunni’am, Z. H. Sain, S. M. Marier, and S. Jamil, “Artificial intelligence and the transformation of digital services in islamic banking: A case study of bank syariah indonesia,” LogicLink, pp. 78–91, 2025.
I. R. Maulana, U. Rahardja, N. Azizah, M. Rakhmansyah, and M. A. Komara, “Leveraging ipfs to build secure and decentralized websites in the web 3.0 era,” IAIC Transactions on Sustainable Digital Innovation (ITSDI), vol. 7, no. 1, pp. 1–12, 2025.
R. Nuri, “Transformation of islamic finance in the digital era: Developments and challenges of halal fintech,” Journal of Halal Review, vol. 1, no. 1, pp. 36–50, 2025.
H. Nusantoro, P. A. Sunarya, N. P. L. Santoso, and S. Maulana, “Generation smart education learning process of blockchain-based in universities,” Blockchain Frontier Technology, vol. 1, no. 01, pp. 21–34, 2021.
S. P. Ashari, A. Latip, A. Rahman, S. Pd, E. Waluyanti, S. Esti Kusminingsih et al., Pendidikan Agama Islam dalam Lensa Filsafat Ilmu. Uwais Inspirasi Indonesia, 2025.
F. Sutisna, N. Lutfiani, E. Anderson, D. Danang, and M. O. Syaidina, “E-commerce and digital marketing strategies: Their impact on startupreneur performance using pls-sem,” IAIC Transactions on Sustainable Digital Innovation (ITSDI), vol. 6, no. 2, pp. 215–223, 2025.
A. Yusgiantara, N. Labib et al., “Penerapan kecerdasan buatan dalam pendidikan islam dalam masyarakat kontemporer 5.0: Prospek, kendala, dan pendekatan adaptif,” Jurnal Media Akademik (JMA), vol. 3, no. 6, 2025.
S. N. Amani, W. N. Lestari, and Y. Nurjanah, “Accommodating digital transformation in sharia financing of sharia financial institutions: Indonesian case,” Journal of Economicate Studies, vol. 7, no. 2, pp. 27–41, 2023.
Q. Aini, D. Manongga, U. Rahardja, I. Sembiring, and Y.-M. Li, “Understanding behavioral intention to use of air quality monitoring solutions with emphasis on technology readiness,” International Journal of Human–Computer Interaction, vol. 41, no. 8, pp. 5079–5099, 2025.
N. Alia, M. Subli et al., “Understanding and implementing islamic law: Challenges and solutions in modern contexts,” Antmind Review: Journal of Sharia and Legal Ethics, vol. 1, no. 2, pp. 72–82, 2024.
E. R. Kismawadi, “Human-centric ai in islamic finance: Bridging technology and tradition for enhanced entrepreneurial interactions,” in Human-Centric AI in Digital Transformation and Entrepreneurship. IGI Global Scientific Publishing, 2025, pp. 319–338.
R. Fahrudin, Y. F. DWI, F. A. YADI, A. Wilson, and T. Kuusk, “Addressing regulatory risks in fintech through decentralized technologies,” APTISI TRANSACTIONS ON MANAGEMENT : iLearning Journal Center, vol. 8, no. 3, pp. 204–212, 2024.
N. Lutfiani and L. Meria, “Utilization of big data in educational technology research,” International Transactions on Education Technology, vol. 1, no. 1, pp. 73–83, 2022.
S. C. Ati, Z. Ariani, N. F. Hidayanti, M. Syarif, and N. Y. S. Dewi, “Integration of financial technology (fintech) with islamic finance: Literature review and future research agenda,” in Proceeding of Islamic International Conference on Education, Communication, and Economics, vol. 1, 2025, pp. 328–334.
Y. A. Bashori, K. Umami, and S. H. Wahid, “Maqasid shariah-based digital economy model: integration, sustainability and transformation,” Malaysian J. Syariah & L., vol. 12, p. 405, 2024.
M. Lukman Hakim, S.Sos. (2022, Dec) Peranan kecerdasan buatan (artificial intelligence) dalam pendidikan. Direktorat Pendidikan Profesi Guru (PPG) – Kemendikdasmen. [Online]. Available: https://ppg.dikdasmen.go.id/news/peranan-kecerdasan-buatan-artificial-intelligence-dalam-pendidikan
I. S. Masuroh and D. A. Mardani, “Artificial intelligence dan pendidikan pendidikan islam: sebuah pendekatan holistik implementatif,” INTEGRATIF— Jurnal Magister Pendidikan Agama Islam, vol. 6, no. 1, pp. 85–101, 2025.
A. Efferi, K. N. Aflah, O. Dermawan, I. Islahuddin, and M. Waeno, “Exploring educational dynamics in conflict-affected areas of southern thailand: A qualitative case study with an islamic education approach:- ,” Nazhruna: Jurnal Pendidikan Islam, vol. 8, no. 1, pp. 176–194, 2025.
E. R. Kismawadi, “Islamic fintech: navigating the regulatory framework and promoting financial inclusion in gulf cooperation council (gcc) countries,” Journal of Islamic Marketing, vol. 16, no. 6, pp. 1742–1769, 2025.
Z. Zainol, G. Brotosaputro, S. C. Chen, and E. A. Natasya, “Designing ethical ai systems for sustainable technology development,” ADI Journal on Recent Innovation, vol. 6, no. 2, pp. 201–211, 2025.
H. Abdullah, N. H. Mohammed Foziah, M. K. Shahid, N. F. Mohd Fadhil, A. H. Ngah, and A. M. Abdullah, “Faith and sustainability: developing maqasid shariah-based elderly care organization empowerment index,” Quality in Ageing and Older Adults, 2025.
A. Dawam and K. Syaidah, “Mengintegrasikan teknologi digital dan artificial intelligence (ai) untuk pengalaman belajar mahasiswa yang lebih baik,” in Prosiding Seminar Nasional Fakultas Ilmu Tarbiyah dan Keguruan UIN Syarif Hidayatullah Jakarta, vol. 2, no. 1, 2025, pp. 235–252.
U. Rahardja, M. Budiarto, K. Lutfiyah, O. F. P. Wahyudi, I. K. H. Azz, N. Azizah, and D. Julianingsih, “Analysis of the effectiveness of visual language and narrative in conveying value propositions in pitching decks,” International Transactions on Artificial Intelligence, vol. 3, no. 2, pp. 161–170, 2025.
M. Arifah and H. Ardiansyah, “Peran pendidikan ekonomi dalam mengembangkan jiwa dan semangat kewirausahaan mahasiswa di era digital,” Jurnal Pendidikan Tambusai, vol. 9, no. 2, p. –, 2025