As Malaysia strives for a more sustainable future, the case for developing values to facilitate entrepreneurship better becomes more compelling. One of the lessons learned was from Fintech organizations. Their goals and outcomes in Shariah and Non-Shariah Fintech solution offerings have yet to be determined. The Sustainable Entrepreneurship Values (SEV) is developed using an artificial intelligence system that allows prescription, forecasting, prediction, and recommendation. The SEV model examines the action of Fintech organizations to create value in promoting sustainable, inclusive, and socially beneficial outcomes. The system offers better access to a wider variety of data, increased computing power, greater demand for improvements in efficiency, and economic growth. Providing an all-inclusive solution encourages Islamic Fintech organizations to reconsider the difficulties in achieving their goals, particularly social inclusivity (sadaqah, waqf, and zakat services). The outcome is to generate the SEV model, which adds value to the objectives of the Madani Framework on economy, finance, and communities; the Islamic Hub 2.0; and SDG8 on decent work and economic growth. The output provides the co-creation of value generated by the supportive ecosystem with ongoing innovation, with 14 sub-sectors of Fintech contributing to the co-creation of SEV values applicable to the Malaysian Education Policy on Industry 4.0. As a result, the SEV model explains sustainable entrepreneurship values that act as game changers for organizations.

Kertas ini menganalisis tinjauan literatur bagi membangunkan item soal-selidik dan kesahan instrumen kesejahteraan spiritual Islam (KSI) sebagaimediator dalam hubungan dengan tahap kecenderungan pengambilan risiko dan tekad keusahawanan. Ini adalah berikutan dari analisis kajian pengesanan usahawan graduan oleh Kementerian Pengajian Tinggi Malaysia (2022) yang melaporkan tahap kecenderungan pengambilan risiko dalam kalangan graduan masih di tahap rendah dan tekad keusahawanan menunjukkan trend yang menurun. Keputusan ini seringkali dikaitkan mempengaruhi faktor-faktor kegagalan perniagaan dalam kalangan graduanbaharu.Kajian yang mengintegrasikan pendekatan agama Imam Al-Ghazali dalam konteks kontemporarikurang diberi tumpuan.Oleh yang demikian, kajian ini dipanjangkan kepada graduan usahawan bagi mengukur kesahan dan kebolehpercayaan item KSI, Tekad Keusahawanan Ajzen (1991), dan Kecenderungan dalam Pengambilan Risiko(Meertens & Lions, 2008) secara bersepadu. Teknik Delphi dengan Modifikasi Tiga Pusingan dilihat konsisten dengan dapatan dan sorotan literatur yang lepas di mana bilangan pusingan adalah fleksibel dan mendapat ‘consensus’ selepas pusingan ketiga. Item-item yang disenaraikan diletak sebagai sangat diperlukan bila mana skor median melebihi nilai 5.50 dan diperlukan dengan skor median berada antara 3.50 dan 5.49. Panel-panel pakar memberi‘consensus’ tinggi terhadap sub-konstruk tahap keimanan, ilmu pengetahuan, ibadah dan akhlak. Oleh itu, KSI mendatangkan perasaan aman, tenang dan bahagia dalam menangani cabaranusahawan baharu. Situasi ini boleh diaplikasikan semasa mencari ilmu dan kemahiran, (seperti ilmu pengurusan kewangan);dan akhlak yang mulia (seperti menjauhi amalan pengurusan kewangan yang tidak baik). Konsep-konsep ini dapat memberikan motivasi, ketabahan, dan ketenangan dalam menghadapi tekanan dan cabaran perniagaan. Kesepaduan perspektif agama Islam merupakan inovasi penemuan baharu melalui model Al-Ghazali dan pandangan barat melalui Teori Tingkahlaku Berencana dan Model Kecenderungan Pengambilan Risiko yang kurang dikaji telah dilaksanakan dalam kajian ini.

his paper investigates the development of a robo advisor in Islamic fintech institutions that incorporates Shariah-based decision making. The WOS and Scopus databases were used to collect data from the literature review, which was conducted using multiple keywords. Shariah-based decision making is an important component of Islamic finance, and the creation of a shariah robo-advisor can assist investors in making investment decisions that are consistent with their values. Investment decisions and objectives should be aligned with shariah principles and the user's values. Shariah screening criteria entail identifying industries that are haram (forbidden) under Islamic law and industries that are halal (permissible). The algorithm for a shariah robo-advisor was designed to screen investments based on shariah principles and provide investment advice that aligns with the user's investment objectives while taking factors such as the company's source of income, the nature of the business, and the use of debt in the company's operations into account. By bringing the framework of shariah to the forefront of technology, and Islamic Finance studies through an interdisciplinary approach, it is not a fey subject. This analysis, on the other hand, revealed that proposing a new development of a shariah robo-advisor involves several important steps, including defining investment objectives, developing shariah screening criteria, designing the algorithm, testing the algorithm, and launching the robo-advisor from the Malaysian Islamic Fintech context was still unexplored and merited more attention, given its potential benefits.