Protecting Muslim Consumers in Artificial Intelligence-Based Digital Transactions: An Islamic Economic Law Perspective
DOI:
https://doi.org/10.59141/jiss.v7i9.2574Keywords:
artificial intelligence, consumer protection, digital transactions, islamic economic law, muslim consumersAbstract
Background: Artificial intelligence (AI) increasingly mediates digital commerce through recommendation systems, chatbots, behavioral profiling, automated credit assessment, and personalized offers. These technologies can improve convenience; however, they may also intensify information asymmetry, algorithmic opacity, manipulation risks, and uncertainty regarding Sharia compliance. Objective: This illustrative study evaluated whether an integrated program grounded in Indonesian consumer protection law, AI literacy, and Islamic economic law could strengthen Muslim consumers’ capacity to identify and respond to risks associated with AI-based digital transactions in Tasikmalaya. Method: A quasi-experimental pretest-posttest control group design was modeled using synthetic data from 83 Muslim digital consumers, comprising 43 participants in the intervention group and 40 in the control group. The intervention consisted of five weekly 90-minute sessions. The primary outcome was measured using a 24-item Muslim Consumer Protection Literacy in AI Transactions scale. The analysis included descriptive statistics, Shapiro-Wilk and Levene’s tests, paired-samples and independent-samples t tests, Cohen’s d, and analysis of covariance (ANCOVA) controlling for pretest scores. Results: Pretest scores did not differ significantly between the groups. The intervention group’s mean score increased from 70.30 ± 11.87 to 82.21 ± 9.69, whereas the control group’s mean score changed from 74.03 ± 10.59 to 75.83 ± 11.97. The between-group difference in gain scores was 10.11 points (95% CI: 5.46 to 14.75; Cohen’s d = 0.95). ANCOVA indicated a significant adjusted intervention effect, F(1, 80) = 16.49, p < .001, partial η² = .171. Conclusion: Within the synthetic dataset, the integrated legal, AI, and Sharia literacy intervention produced a meaningful improvement in consumer protection literacy. However, empirical field testing is required before substantive conclusions can be drawn regarding Muslim consumers in Tasikmalaya.
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