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Dimas Wahyu Fahriski; Agung Winarno; Subagyo Subagyo

Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

The development of artificial intelligence has revolutionized higher education by increasing the efficiency and personalization of learning, but it has also posed a major challenge in the form of a decline in students' critical thinking skills due to their dependence on technology. Therefore, an in-depth philosophical study through the post-positivism, critical theory, and constructivism paradigms is needed to understand its impact on cognitive and epistemological processes. This study aims to analyze how these three paradigms guide the development of critical thinking in the context of AI. It uses a descriptive-analytical method based on secondary data from academic literature such as journals and books that have been critically synthesized. The findings show that post-positivism views AI as a tentative critical realism tool for empirical verification. Critical theory critiques power relations, ideology, and the ethics of technological domination. Constructivism emphasizes the construction of social knowledge through human-centered design that supports creativity and collaboration. The positive impacts of AI include instant feedback and content adaptation, while the negative impacts include social isolation, weak digital literacy, and data privacy. Therefore, the implication is the wise use of AI with the assistance of teaching staff to strengthen reflective analysis, ethical literacy, and paradigm adjustments in accordance with the exact or social sciences to create multidimensional learning in the digital era.

Rakei Yunardhani; Sudarmiatin Sudarmiatin; Agus Hermawan

International Journal of Entrepreneurship and Management 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Customer satisfaction has become a major focus in the development of modern services as the role of the service sector in the regional economy increases, including in the city of Balikpapan. However, the literature discussing customer satisfaction models shows conceptual and methodological fragmentation, requiring a systematic synthesis to identify theoretical patterns and current research developments. This study aims to map customer satisfaction models in the service industry through a Systematic Literature Review (SLR) approach using the PRISMA guidelines. A total of 20 articles selected from the last five years were analyzed to identify dominant constructs, methodological approaches, and relevant research trends. The review results show that customer satisfaction models have evolved from traditional service quality-based approaches to models that integrate customer experience, perceived value, trust, and digital dimensions such as personalization and AI-based services. The findings also emphasize the importance of local context, especially in the service sector in Balikpapan, where cultural factors, customer behavior, and the dynamics of city growth influence the structure of satisfaction models. Overall, this study provides a synthesis framework that can be used as a theoretical and practical foundation for designing service quality improvement strategies and developing a further research agenda in the service sector.

Tiara Ayu Triarta Tambak

Imajinasi : Jurnal Ilmu Pengetahuan, Seni, dan Teknologi 2025 Asosiasi Seni Desain dan Komunikasi Visual Indonesia

This study aims to analyze user sentiment toward the integration of Artificial Intelligence (AI) in online learning platforms, which are increasingly expanding in the digital era. With the growing use of AI technologies in education—such as learning chatbots, material recommendation systems, and automated assessments—it is essential to understand users’ perceptions and reactions to these implementations. The research employs sentiment analysis based on text mining using user review data collected from various online learning platforms. The analysis process includes data preprocessing, sentiment classification using machine learning algorithms, and interpretation of results based on the proportion of positive, negative, and neutral sentiments. The findings indicate that most users express positive sentiments toward AI integration, as it enhances learning efficiency and personalization. However, some users raise concerns regarding data privacy and the lack of human interaction. This study is expected to serve as a reference for educational platform developers to design AI systems that are more adaptive, transparent, and user-centered

Qorimah Qorimah; Rustam Ibrahim

Jurnal Budi Pekerti Agama Islam 2025 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

Implementation Artificial Intelligence as a supporting model for e-learning still faces several challenges. This is due to several aspects, such as concerns about loss spiritual touch, low digital literacy educators, limited technological infrastructure in educational institutions, and so on. On the other hand, the interaction that occurs between students and teachers is an emotional and moral dimension that occurs. The purpose study is to analyze the use AI as supporting model for e-learning in Islamic education. In this study, the method used is descriptive qualitative research. The findings study are (1) Views Islamic education practitioners on Artificial Intelligence, one which is that the existence Artificial Intelligence is not absolute replacement between students and teachers. However, Artificial Intelligence is considered means or tool in understanding learning; (2) The results  analysis explain that several AI (Artificial Intelligence) in e-learning in Islamic education have been present in several forms, including increasing access and inclusivity, translating and understanding classical manuscripts, analyzing learning and automatic assessment, material recommendation systems and learning personalization, as well Chatbots and virtual learning assistants; (3) Concept Islamic education is not only oriented towards the transfer knowledge (ta'lim), but also the formation of morals and spirituality (tarbiyah and ta'dib).

Catur Febri Firmansyah; Ferix Alsyahdat; Faisal Ardyansyah

Proceeding of the International Conference on Management, Entrepreneurship, and Business 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

The development of the digital economy has driven major changes in consumer behavior, from traditional transactions to online interactions. These changes present both challenges and opportunities for businesses, particularly in the e-commerce sector, where consumer trust, data privacy, and digital technology adoption are important factors in decision-making. This study aims to map global trends in online consumer behavior research in the context of the digital economy using bibliometric analysis. Data was collected from the Scopus database using the keyword “online consumer behavior” for the period 2020-2025. The dataset was exported in CSV format and analyzed using VOSviewer and R Studio (Biblioshiny). The analysis included annual publication trends, identification of authors, journals, countries, as well as keyword mapping and citation networks. The results show a significant increase in publications after 2020, with China, the United States, and India as the main contributors. Keyword mapping reveals four research clusters: consumer trust and data privacy, e-commerce and digital platform adoption, consumer experience and personalization, and social commerce and social media influence. These findings confirm a growing research focus on issues of digital trust and opportunities for utilizing new technologies such as artificial intelligence and social media. This study provides a comprehensive overview of global trends in online consumer behavior and an important contribution to academics, practitioners, and policymakers.

Lucki Lucki; MF. Arrozi Adhikara; Rokiah Kusumapradja

International Journal of Management and Digital Sciences 2025 International Forum of Researchers and Lecturers

Introduction: Experiential marketing has become a growing trend in promotional activities by emphasizing personalization and active customer involvement. Preliminary observations indicate a decline in outpatient visits among patients with general insurance and non-JKN coverage in 2023, which may be influenced by a decrease in their intention to use outpatient services. This condition highlights the need for hospitals to implement experiential marketing strategies to enhance patient interest and experience. Objective: This study aims to empirically examine the influence of patient experience and service perception on the intention to use outpatient services, with Strategic Experiential Modules (SEMs) as an intervening variable. Methods: This quantitative research employs a causal design involving outpatient service users as the population. A non-probability sampling technique was used, yielding 249 respondents. Data were collected using a questionnaire and analyzed using Structural Equation Modeling (SEM) with AMOS software. Results: The findings reveal that patient experience and service perception simultaneously have a significant positive influence on the intention to use outpatient services through SEMs. Service perception directly shows a significant positive effect on both SEMs and intention to use outpatient services, while SEMs also significantly enhance usage intention. Service perception emerges as the dominant variable in increasing SEMs and usage intention, whereas patient experience has the weakest effect. Conclusion: Patient experience and service perception collectively influence the intention to use outpatient services with SEMs as an intervening variable. Strengthening Customer Relationship Management is essential by improving human resources and optimizing service asset.

Petrus J. Darus; Vinsensius Aprila Kore Dima; Lidia Lali Momo

Mars: Jurnal Teknik Mesin, Industri, Elektro Dan Ilmu Komputer 2025 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

The rapid development of digital technology has significantly transformed commercial activities, particularly through the emergence of marketplaces as platforms for online transactions. The vast number of products available in a marketplace often creates difficulties for users in finding items that suit their needs and preferences. To address this challenge, a recommendation system is required to provide personalized and relevant product suggestions. This study discusses the implementation of a product recommendation system in a marketplace using the Collaborative Filtering method. This method works by leveraging information from users’ previous behavior, such as purchase history, ratings, and similarity of preferences with other users, to generate more accurate product recommendations. The Collaborative Filtering approach has proven effective in identifying user preference patterns based on relationships between users as well as between items. This study employs user interaction data such as ratings and shopping activities as the processing foundation. The process involves data collection, preprocessing, calculation of similarity between users or products, and generating recommendation lists. The results indicate that this method enhances the shopping experience by providing relevant product suggestions tailored to user interests, thereby increasing customer satisfaction and potentially improving sales performance in the marketplace. Thus, the application of a Collaborative Filtering-based recommendation system not only simplifies product discovery for users but also offers strategic advantages for marketplace operators in digital business competition

Fitro Nur Hakim; Wiwid Wahyudi; Nur Rokhman

International Journal of Mechanical, Electrical and Civil Engineering 2025 Asosiasi Riset Ilmu Teknik Indonesia

Artificial Intelligence (AI) has significantly transformed the design industry by introducing innovative tools that enhance efficiency, creativity, and personalization in the design process. This article explores the impact of AI technologies on the practice of modern designers, from the early stages of idea generation to the final execution of projects. By analyzing case studies, conducting surveys, and reviewing recent literature, the study reveals that AI functions not only as a tool but also as a collaborator that expands the boundaries of human creativity. It allows designers to explore new possibilities and push the limits of traditional design processes. However, the integration of AI into design practices also raises important ethical and professional challenges, such as concerns about job displacement, data privacy, and the potential loss of human touch in the creative process. Despite these concerns, the findings highlight that embracing AI is crucial for designers to remain competitive and sustain their careers in the rapidly evolving digital era. Adapting to AI technologies, understanding their capabilities, and effectively incorporating them into creative workflows will enable designers to stay relevant and thrive in a landscape where technology continues to reshape the industry. This study provides insights into the evolving relationship between human designers and AI, offering recommendations for future research and practice in the field of design.

Ayu Ardiyanti; Neneng Miskiyah; Hendra Sastrawinata

Jurnal Manajemen Bisnis Era Digital 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study aims to analyze the business development strategy of Depot Kusen Rahmat by reviewing four main aspects, namely production, human resources (HR), finance, and marketing. The analytical approach used in this study is SWOT (Strengths, Weaknesses, Opportunities, Threats) and QSPM (Quantitative Strategic Planning Matrix). Primary data was obtained through a survey of 16 respondents who are active consumers of Depot Kusen Rahmat. The results of the SWOT analysis identified that the company has four strengths, four weaknesses, four opportunities, and four threats. The most dominant internal strength is efficient and neat products, with the highest weighted score of 0.509, which indicates that the quality of production results is the main competitive advantage. On the other hand, the main weakness found is the absence of a product catalog, with a score of 0.158, which indicates a lack of visual information media as a means of product promotion and communication to consumers. From external factors, the biggest opportunity is the increasing consumer interest in custom products, with a score of 0.479, which indicates a positive trend towards product personalization. The most significant threat is the rapidly changing design trends, with a score of 0.186, which requires the company to be more adaptive to changing market tastes. Based on the results of the SWOT matrix analysis, the company's position is in Quadrant I with an IFAS value of 1.368 and EFAS of 1.206, which indicates that the company is in a position to support an aggressive growth strategy. The QSPM results recommend prioritizing strategies in the form of emphasizing quality and balanced prices, followed by improving customer service and developing high-quality custom products as strategic steps to win market competition and increase business competitiveness sustainably.

Pangestu Adika Putra; Viro Dharma Saputra

Federalisme : Jurnal Kajian Hukum dan Ilmu Komunikasi 2025 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

This study discusses the phenomenon of silent lead in digital marketing strategy Amanah Bunda Daycare Semarang. This phenomenon refers to potential customers who have made an initial interaction through WhatsApp Business After seeing Meta Ads ads, but then do not continue communication or convert into customers. The phenomenon of silent leads is an important concern because although the digital marketing process manages to reach the target audience and trigger an initial response, the interaction does not continue until the purchase or registration stage of the service. This study uses a descriptive qualitative approach to explore the characteristics of passive behavior. The Data was collected through in-depth interviews with the internal manager of Amanah Bunda Daycare and five informants identified as silent leads. The results showed that the passive attitude of potential customers is influenced by several main factors, namely the location that is considered less strategic or too far, the perception of prices that are considered high, personal conditions such as changes in plans or time constraints, as well as the quality of customer service communication that is perceived to be less than optimal in providing responses, information, and personal approach. This phenomenon has not been fully accommodated in classic conversion models such as Aida (Attention, Interest, Desire, Action) and model 5A (Aware, Appeal, Ask, Act, Advocate). This shows that there are gaps in marketing communication strategies, especially in managing potential customers who initially respond positively but stop before conversion. Therefore, this study recommends the development of a more empathetic, structured and sustainable approach to communication. Suggested strategies include improving customer service systems based on quick response and personalization, implementing polite but consistent follow-up strategies, and composing marketing content that is able to build trust and emotional connection with potential customers. With these measures, it is expected that silent leads can be minimized and conversion rates increased significantly.

Aditya Dimas Dewanto; Ari Sugiharto

Polygon : Jurnal Ilmu Komputer dan Ilmu Pengetahuan Alam 2025 Asosiasi Riset Ilmu Matematika dan Sains Indonesia

This study examines the role of Artificial Intelligence (AI) in piano education through a qualitative review of six recent academic sources. AI technology has brought about significant transformations in music learning methods, particularly for the piano instrument. Various AI applications such as automated performance feedback systems, musical accompaniment generators, technical error detection devices, and adaptive learning platforms have enabled new approaches to teaching and learning. AI provides instant feedback, tailored exercises to individual abilities, and creates more interactive and flexible learning environments. These innovations are considered to support the development of students' technical skills more effectively, while increasing learning motivation through personalization and ease of access. Furthermore, this study examines the information systems that support these AI applications, including human-computer interaction, audio signal processing, and the use of machine learning models to recognize playing patterns and technical errors. While AI offers significant benefits, concerns arise regarding its limitations in understanding and responding to the emotional aspects of music. AI is not yet capable of fully supporting the development of subjective and complex musical expression. Over-reliance on this technology is also feared to undermine students' critical thinking, artistic sensitivity, and creativity. Therefore, this study emphasizes the importance of a balanced integration between AI technology and human pedagogical roles, with the teacher remaining the primary facilitator in fostering expression, interpretation, and artistic values in piano learning. The study recommends further research on emotionally responsive AI, blended learning models, and long-term evaluation of AI's impact on students' artistic and musical development.  

Farah Fadira

JURNAL ILMIAH KOMPUTER GRAFIS 2025 UNIVERSITAS STEKOM

The research examined interactive text as a possible interactive form of pictorial communication for generation z meaningfully engaging on online platforms. By adopting a three-phase methodology towards design, realización and evaluation, the research examines how much movement, responsiveness and user interactivity influences the interpretation of the the communicative message and the emotional. The research uses an interweaving of methodologies. Methodology usability testing, engagement analytics and qualitative indicators, which indicate kinetic text, format variations, and animation responsive were more interesting, easier to understand, and shareable than static texts. Findings suggest participants read as a participant and active, as opposed to passive, which wasn't related to their use of interactions. At last the results deliver positioning for interactive text read as a new thinking strategies for the needs of generation z for authenticity and enable discourse regarding potential opportunities for augmented reality and artificial intelligence-enabled personalization

Edi Irawan

Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Digitalization has been a key catalyst for change in the global business landscape, driving the transformation of companies' strategies, organizational structures, and operational models. For small and medium enterprises (SMEs), digital technology opens up great opportunities to expand market reach and compete in the international arena more effectively. Technologies such as e-commerce, social media, big data analytics, and cloud-based platforms enable SMEs to break through geographical boundaries, facilitate access to global customers, and accelerate product distribution and marketing processes. This paper explores the current academic literature that discusses the influence of digital technology on the internationalization of SMEs. A total of five relevant studies were analyzed to identify common patterns, challenges, and successful strategies in the use of digital technology. The results of the study show that the adoption of digitalization not only improves operational cost efficiency, but also encourages business model innovation, such as digital platform-based marketing, cross-border virtual collaboration, and the development of a more adaptive global business ecosystem. In addition, the ability to utilize digital technology gives SMEs a competitive advantage through access to real-time market information, personalization of offers, and more targeted branding strategies. However, the research also found obstacles, such as limited human resources, technological infrastructure, and digital literacy among SMEs. Therefore, synergy is needed between business actors, the government, and academia to support the acceleration of digital technology adoption through training, mentoring, and policies that support innovation. The paper also highlights future research opportunities, such as the integration of artificial intelligence (AI) technologies, automation, and blockchain in supporting the global expansion of SMEs. These findings are expected to be a strategic reference in designing sustainable internationalization policies in the digital era.

Adilatun Nisa; Roswiyani Roswiyani; Willy Tasdin

Jurnal Ilmu Keperawatan dan Kebidanan 2025 Asosiasi Riset Ilmu Kesehatan Indonesia

This study aims to determine the relationship between perfectionism and academic burnout among final-year students in Jakarta. Academic burnout is defined as stress arising from the learning process that results in emotional exhaustion, depersonalization, and low academic performance (Sagita & Meilyawati, 2021). Perfectionism is considered a personality disposition characterized by concerns about self-evaluation, overly critical self-assessment, and striving to achieve perfect personal standards (Hill, 2017). This study employs a quantitative approach, involving final-year university students in Jakarta aged 20–25 years who are in their 7th–9th semesters. The sampling technique used is purposive sampling. The measurement tools used were the Multidimensional Perfectionism Scale developed by Flett and Hewitt (1991) and the School Burnout Inventory developed by Salmela-Aro, Kiuru, Leskinen, and Nurmi in 2009. The results of the correlation test using Pearson Correlation yielded a value of r = 0.854, with significance 0.000 p < 0.05. These results indicate that there is a relationship between perfectionism and academic burnout among final-year students in Jakarta. Based on the correlation test per dimension, the results show that there is a relationship between perfectionism and all dimensions of academic burnout, especially the exhaustion dimension. Additionally, there is a relationship between academic burnout and all dimensions of perfectionism, particularly the socially prescribed perfectionism dimension. This indicates that the higher an individual's level of perfectionism, the higher their level of academic burnout.

Laely Nur Barokah; Rafelta Wanda; Indah Nelsya Putri

Bridge : Jurnal Publikasi Sistem Informasi dan Telekomunikasi 2025 Asosiasi Profesi Telekomunikasi Dan Informatika Indonesia

The development of information technology has encouraged university libraries to innovate in disseminating information more effectively. Institutional repositories are present as one of the information repackaging products that aim to collect, manage, and disseminate scientific works of academicians in digital form. Repositories can be viewed as valuable assets of an institution that function as a means to improve the reputation of the institution. This study was implemented through a quantitative approach with a descriptive method. This approach was chosen to provide a systematic, factual, and accurate picture of the effectiveness of the directory as an information repackaging product at the Padang State University Library. The results of the study indicate that the use of information repackaging is in the high category in terms of reasons for use, interaction, and results felt by users, although there are still challenges in the completeness and personalization of content. This study recommends the need for continuous evaluation, development of more diverse information formats, and increasing librarian competence in understanding user needs so that the repository can function optimally as a medium for disseminating information and supporting the position of the institution.

Lay, Sergius; Kristiana Mendrofa; Martina Rosmaulina Marbun; Antonius P Sipahutar; Megawati Naibaho

jurnal Riset Rumpun Agama dan Filsafat 2025 Pusat Riset dan Inovasi Nasional

The use of Artificial Intelligence (AI) in education offers significant opportunities to transform learning processes, including in Catholic Religious Education (CRE) at the senior high school level. This article aims to identify effective and ethical strategies for integrating AI into CRE instruction by considering Catholic faith values and students’ character development. The study uses a qualitative literature review approach to analyze scholarly sources and current practices of AI application in education. Findings indicate that AI can enhance personalized learning, provide real-time feedback, and create more interactive and context-rich learning experiences. Practical implementations such as adaptive learning systems, chatbots, and AI-based simulations have shown positive impacts on students' comprehension. However, challenges including teacher readiness, technological infrastructure, and ethical concerns must be addressed seriously. Therefore, integrating AI in CRE must be done thoughtfully, responsibly, and in harmony with religious and moral contexts. With careful planning, AI can become a valuable tool to deepen students' faith understanding and support holistic character formation in the digital age.

Melisa Melisa; Amelia Putri Ananda; Ratna Sari Hasibuan; Siti Suaibah Nasution

Jurnal Ekonomi dan Pembangunan Indonesia 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to analyze the relationship between marketing strategies and customer satisfaction on e-commerce platforms in Indonesia. Effective marketing strategies are essential in facing intense competition in the digital world, especially in enhancing customer satisfaction, which influences loyalty and business sustainability. This research uses a quantitative survey approach involving 100 active users of Shopee and Tokopedia platforms. Data were collected through questionnaires and analyzed using descriptive statistics, Pearson correlation, and simple linear regression. The results indicate a positive and significant relationship between marketing strategies and customer satisfaction, with a correlation value of 0.673 and a contribution of 45.3%. Digital promotions, personalized services, and loyalty programs are key factors in improving customer satisfaction. However, customer service aspects require more attention to support overall satisfaction. This study implies that e-commerce platforms must continuously develop integrated marketing strategies alongside quality service improvements to maintain and enhance customer satisfaction.

A Dan Kia; Majesty, Gilbert Timothy

International Journal of Christian Education and Philosophical Inquiry 2025 Asosiasi Riset Ilmu Pendidkan Agama dan Filsafat Indonesia

Artificial Intelligence (AI) can be a transformational tool in Christian Religious Education in the digital era. Technological advancements bring significant changes to the way we learn and teach, including religious education, which demands innovative methods to remain relevant to the younger generation increasingly connected to technology. AI offers various opportunities to enrich the learning experience and deepen the understanding of Christian values through a more personal and interactive approach. This article discusses several AI applications in Christian religious education, such as virtual assistants for spiritual guidance, in-depth Bible text analysis, and adaptive learning platforms that can tailor materials to the needs of learners. With AI technology, Christian religious education can provide more interactive and responsive modules, allowing learners to delve into religious teachings both individually and in groups. Additionally, the use of AI in analyzing learning behavior allows for more effective curriculum personalization according to the spiritual needs of each individual. This approach can address the challenge of maintaining the relevance of religious values amidst the rapid influx of digital information. This article also examines the potential of AI in aiding faith development, for example through spiritual reflection applications tailored to the user's spiritual growth. This transformation is expected to prepare a generation of Christians who are not only technologically savvy but also spiritually strong, and empowered to face moral and ethical challenges in the future. Thus, AI-based Christian Religious Education can be a pathway to building a relevant and dynamic spiritual future in the digital era.

Mohammad Noval Baghaskara; Muhammad Zaidan Barki Muslim; Abdul Aziz Hakim; Achmad Widodo

Mutiara Pendidikan dan Olahraga 2025 Asosiasi Riset Ilmu Pendidikan Indonesia

This study aims to examine the role of biomechanics in preventing injuries in karate athletes through a systematic review. The research method follows the PRISMA (Preferred Reporting Items for Systematic Reviews and Meta-Analyses) framework with a literature search in the Science Direct database, Google Scholar, and the use of tools such as VOSviewer and Publish or Perish. Studies that met the inclusion criteria (10 articles) were analyzed to identify injury patterns, biomechanical factors, and prevention strategies. The results showed that the most common injuries in karate athletes were contusions, calf muscle strains, and finger sprains, which were related to force distribution, extreme joint angles, and postural control. Biomechanical analysis (motion capture, EMG, force plate) proved that technique correction, proprioception training, stabilizing muscle strengthening, and balance training could reduce the risk of injury by up to 20%. Significant differences were found between novice and elite athletes in terms of movement consistency and neuromuscular control. The integration of biomechanical principles with karate philosophy (mushin, zanshin, kime) was also emphasized to maintain a balance between performance and cultural values. Limitations of the study include heterogeneity of measurement instruments and potential publication bias. Future recommendations include longitudinal studies, development of portable devices (IMUs), and personalization of training programs based on individual biomechanical profiles

Syaiful Amrial Khoir; Hadi Tanuji

Imajinasi : Jurnal Ilmu Pengetahuan, Seni, dan Teknologi 2025 Asosiasi Seni Desain dan Komunikasi Visual Indonesia

Digital transformation is one of the essential needs in the development of sharia cooperatives in the Industrial Revolution 4.0 era. Rapidly developing information technology requires microfinance institutions such as cooperatives to adapt, in order to remain competitive, efficient, and relevant in meeting the needs of their members. Two main technologies that play an important role in this transformation are big data and cloud computing. This article aims to examine in depth how the use of big data and cloud computing can support the digital transformation process in sharia cooperatives. Using a literature review approach from various scientific sources, this article analyzes the basic concepts, potential benefits, case studies, and challenges of implementing both technologies in the context of sharia-based cooperatives. The results of the study show that big data can improve data-based decision making, risk management efficiency, and personalization of services to members. Meanwhile, cloud computing provides flexibility, cost efficiency, and accessibility of cooperative information systems widely, even in areas with minimal IT infrastructure. However, the success of implementing this technology is greatly influenced by the readiness of human resources, digital infrastructure, and compliance with sharia principles. This article also provides practical recommendations and a further research agenda as a contribution to the development of technology-based sharia cooperatives.