POTENSI INTEGRASI PRINSIP UTMOST GOOD FAITH DAN PRINSIP SHIDDIQ MENGGUNAKAN ARTIFICIAL INTELLIGENCE
DOI:
https://doi.org/10.37859/jeq.v10i2.8512
Abstract
Utmost good faith principle in indonesia is often associated with good faith principle of the parties. In fact, good faith is an intention that is necessarily visible. Not only that, in Islam also known muamalah principle named shiddiq or honesty based on Quran. Both of this principle are often violated by insured which result in the cancellation of the insurance agreement. As one of many solution, insurance business actor can use artificial intelligence which able to process data more accurate and provide recommendations based on thousands or even millions of data available or provided as a source of processing. With the existence of such artificial intelligence, it is hoped to encourage the honesty of the insured parties so that sharia insurance contract are truly implemented based on consent of the parties, and still prioritize Islamic convey of truth, bot visible and what is not visible yet. This research examines the possibility of using artificial intelligence to check the honesty of the insured. This research was conducted using normative legal research methods. In this research, it was found that artificial intelligence can be used by insurance companies to get input so that they can measure the honesty and openness conveyed by the insured in sharia insurance, even though the final decision is still made by humans.
Downloads
References
Daftar Pustaka
Bakri, W. (2015). Prinsip-Prinsip Dasar Asuransi Syariah. Ijtihad Jurnal Hukum dan Ekonomi Islam. 9(2)
Barret, M. (2020). Carter V Boehm Considered. Irish Judicial Studies Journal. 4(1)
Du-Harpur, F.M. Watt, N.M. Luscombe, and M.D. Lynch. (2020). “What is AI? Applications of Artificial Intelligence to Dermatology”. British Journal of Dermatology
Fahriza, N.R., Hanifuddin, I. (2021). Pengaruh Faktor Demografi Terhadap Pertumbuhan Asuransi Syariah di Indonesia. Al-Hisab Jurnal Ekonomi Syariah. 2(1)
Ismanto, Kuat. (2012). PRINCIPLE OF UTMOST GOOD FAITH DALAM PERJANJIAN ASURANSI: Studi Asas Hukum Perjanjian Syariah. Epistemé: Jurnal Pengembangan Ilmu Keislaman. 7. 10.21274/epis.2012.7(2)
Kitab Undang-Undang Hukum Dagang, diakses melalui https://jdih.mahkamahagung.go.id/storage/uploads/produk_hukum/file/KUH%20DAGANG.pdf, pada 26 Desember 2024 Pk. 10.33 WIB
KOMINFO, (2018). Big Data, Kecerdasan Buatan, Blockchain, dan Teknologi Finansial di Indonesia, Usulan dan Rekomendasi Kebijakan. Centre for Innovation Policy and Governance.
Madjid, St S. "Prinsip-prinsip (Asas-asas) Muamalah." Jurnal Hukum Ekonomi Syariah, vol. 2, no. 1, Jun. 2018, doi:10.26618/j-hes.v2i1.1353.
Mukhsinun, M., & Fursotun, U. (2019). Dasar Hukum dan Prinsip Asuransi Syariah di Indonesia. LABATILA : Jurnal Ilmu Ekonomi Islam, 3(01), https://doi.org/10.33507/lab.v2i01.107
Mutiah, A., Nurlaila, N., & Kusmilawaty, K. (2024). Analisis Strategi Pengembangan Infrastruktur Asuransi Syariah Terintegrasi Di Era Digital. Ganaya : Jurnal Ilmu Sosial Dan Humaniora, 7(4), https://doi.org/10.37329/ganaya.v7i4.3583
Nurjihad, A. (2016). Pembaharuan Hukum Islam di Indonesia Studi Kasus CLD Kompilasi Hukum Islam. Jurnal Hukum IUS QUIA IUSTUM, 11(27). https://doi.org/10.20885/iustum.vol11.iss27.art10
Pearson, R. (2020). Normative practices, narrative fallacies? International reinsurance and its history. Business History, 65(3). https://doi.org/10.1080/00076791.2020.1808885
P. M. Marzuki, Penelitian Hukum (Jakarta: Kencana Prenada Media Group, 2005).
Putri, G., & Lie, G. (2023). Implementasi Prinsip Utmost Good Faith oleh Perusahaan Asuransi dalam Masa PKPU Terhadap Hak Pemegang Polis. UNES Law Review, 6(2), 5176-5185. https://doi.org/10.31933/unesrev.v6i2.1343
Ramadhan, G. D. (20019). PERLINDUNGAN HUKUM ATAS INVENSI ARTIFICIAL INTELLIGENCE DI ERA REVOLUSI INDUSTRI 4.0 & SOCIETY 5.0. Tesis Fakultas Hukum Universitas Islam Indonesia.
Ririh, K. R., Laili, N., Wicaksono, A., & Tsurayya, S. (2020). Studi komparasi dan analisis swot pada implementasi kecerdasan buatan (Artificial Intelligence) di Indonesia. J@ Ti Undip: Jurnal Teknik Industri, 15(2).
Rusdan, (2022). Prinsip-Prinsip Dasar Fiqh Muamalah dan Penerapannya Pada Kegiatan Perekonomian. EL-HIKAM: Jurnal Kajian Pendidikan dan Keagamaan. 15(2).
Sam, F.F.A., Abdullah, M.N., Harahap, F.D., Sulistyo, S.D., Septianti, F.E. (2022). Analisis Perkembangan Asuransi Syariah di Indonesia. MEDEK: Media Ekonomi, 22(2), https://dx.doi.org/10.30595/medek.v22i2.13938
S. Soekanto dan S. Mamudji, Penelitian Hukum Normatif (Jakarta: PT Raja Grafindo Persada, 2004).
Suripto, T., Salam, A., (2017). Analisa Penerapan Prinsip Syariah dalam Asuransi”. Jurnal Ekonomi Syariah Indonesia, VII(2).
Tim Penyusun Kamus Pusat Bahasa, “Jujur”, Diambil melalui https://kbbi.web.id/jujur, diakses pada 8 Januari 2024 Pk. 8.57 WIB
Sa’adah, P., Himawan, M. G., Nurjannah, R. N., Amani A. A., Puspita A. M. I., & Santoso, G. (2023). Harmoni Integrasi Nasional dalam Kegiatan Aktivis Sosial. Jurnal Pendidikan Transformatif, 2(6). https://doi.org/10.9000/jpt.v2i5.1045 (Original work published December 7, 2023)
Wijaya, M. E., & Lie, G. (2024). Penerapan Asas Utmost Good Faith dalam Asuransi Jiwa. Jurnal Ilmu Hukum, Humaniora Dan Politik, 5(2). https://doi.org/10.38035/jihhp.v5i2.3230
World Intellectual Property Organization, (2006). Inventing the Future An-Introdcution to Patents for Small and Medium Sized Enterprises. Geneva.
Yihan Cao, Siyu Li, Yixin Liu, Zhiling Yan, Yutong Dai, Philip S. Yu, and Lichao Sun. 2018. A Comprehensive Survey of AI-Generated Content (AIGC): A History of Generative AI from GAN to ChatGPT. J. ACM 37, 4, Article 111 (March 2023), https://doi.org/10.48550/arXiv.2303.04226
