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All Journal Economica: Jurnal Ekonomi Islam Etihad: Journal of Islamic Banking and Finance Jurnal Magister Ekonomi Syariah Al-Fadilah: Islamic Economics Journal
Haryani Santo Hartono
Universitas Islam Internasional Indonesia
Religion Humanities Economics, Econometrics & Finance Social Sciences Other

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Smart Contracts in Islamic Finance: A Content Analysis of Sharia Compliance and Blockchain Applications Haryani Santo Hartono
Al-Fadilah: Islamic Economics Journal Vol. 4 No. 1 (2026): Potential and Innovation in Islamic Economic
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v4i1.85

Abstract

This paper examines the theoretical embedding and the practical siting of smart contracts in relation to Islamic finance. It uses a qualitative thematic content analysis study to draw conclusions on the ways blockchain-based smart contract system may be incorporated into the values of Sharia using academic resources, regulatory and industry reports of the year 2015 to 2025. The results indicate that smart contracts provide a meaningful opportunity in operational efficiency, where there can be a calculation of zakat based on smart contracts, clear fund management, and financial inclusion with mobile delivery. They have remained difficult nonetheless, especially with regard to reconciling the determinist aspect of code with the codes of the Islamic law which are niyyah (intention), ridaʾ (mutual consent) and ijtihad (contextual reasoning). Regulatory imprecision, the relative lack of input by the Sharia scholars in the formulation of the system and the challenges in encoding complicated Islamic contracts also limit adoption. In spite of the previous standards, like Sharia Standard No. 59 (2023) developed by AAOIFI, there is still a developing structure of jurisprudential and ethical framework. The paper suggests Sharia-by-design, interdisciplinary, real-time Sharia audit, unambiguous regulatory fatwa and mechanisms of dispute resolutions as means of facilitating ethical digital transformation. The findings represent a part of the emerging knowledge base on Islamic fintech, as the basic feature of technological adaptation should be the epistemological and normative correspondence of the practice to Islamic law.
Digital Zakat and Waqf for Environmental Sustainability: A Global Bibliometric and Thematic Review Haryani Santo Hartono; Fahad Babangida
Jurnal Magister Ekonomi Syariah Vol. 4 No. 2 Desember (2025): J-MES: Jurnal Magister Ekonomi Syariah
Publisher : Program Studi Magister Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/j-mes.2025.%x

Abstract

Zakat and waqf are being seen as strategic applications in the realm of Islamic social finance as a tool to promote sustainable development. Although many studies focused on their role in solving poverty and social economic inequality, they have little depicted little in the realms of literature dealing with environmental sustainability. This paper aims to analyze how the concept of digital transformation of zakat and waqf is presented in the academic discourse in order to answer the environmental concerns. This paper adopts a bibliometric and thematic study to trace the cycle of global academic outputs, in the context of papering on zakat, waqf, digital innovation and environmental goals- as identified in Scopus database. An analysis also identifies some of the central themes of sustainability, developing ideas like green waqf, and the use of the digital platforms within financing the development of sustainable environmental projects. It is also reflective of how well these tools serve the purpose of Maqasid al-Shariah and the sustainability agenda on a global scale. This review will produce findings that can be useful to the understanding of gaps in research, as well as leading to the establishment of the path to support the improvement in the role that zakat and waqf can play on the environment through innovation and intersectoral collaboration. This helps to further the changes of Islamic charity in the age of the digital world.
Identifying Measurable Impact of Islamic Banking on the Indonesian Economy Haryani Santo Hartono; Rininta Nurrachmi
Etihad: Journal of Islamic Banking and Finance Vol. 5 No. 2 (2025)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v5i2.12113

Abstract

Introduction: This study investigates the short- and long-term relationship between Islamic banking development and Indonesia’s economic growth. Despite Indonesia operating a dual banking system, empirical research on Islamic finance and growth remains limited. Understanding this connection is crucial for leveraging Islamic finance as a driver of sustainable development. Research Methods: Using quarterly data from 2015 to 2024, the study examines the dynamic links among Islamic financing, GDP, and gross fixed capital formation (GFCF). The ARDL bounds testing approach, cointegration analysis, and error correction model (ECM) are employed to identify both short- and long-run relationships. Model stability is validated using CUSUM and CUSUMSQ tests. Results: The results reveal a strong long-term relationship between Islamic financial development, capital accumulation, and economic growth, supporting the supply-leading hypothesis. Short-term effects are positive but statistically insignificant. Model stability tests confirm structural consistency over time. Conclusion: These findings emphasize the potential of Islamic finance to promote sustainable economic development and provide guidance for policymakers seeking to enhance financial inclusion and resilience.
Arima Forecasting of Indonesia’s Sovereign Sukuk as a Sustainable Financing Instrument Haryani Santo Hartono; Rininta Nurrachmi; Sharifah Nabilah Syed Salleh
Economica: Jurnal Ekonomi Islam Vol. 16 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2025.16.2.28256

Abstract

Sukuk development in Indonesia, along with SBSN (Surat Berharga Syariah Negara) sovereign securitization sukuk SBSN, sovereign securitization sukuk (SBSN), sustainable and diverse in-structure financing sukuk SBSN, is being balanced with the increasing usage of Sharia-compliant instruments for the financing of fiscal deficits and the management of sovereign debts, which continues to expand. An Autoregressive Integrated Moving Average (ARIMA) model is employed in this study, using monthly time series data for the period 2019 to 2024. Among the time series modeling techniques, ARIMA was chosen because explicit macroeconomic theories are not required for time series projection; thus, it is more suitable for modeling historical time series. The study has found that while the values of outstanding sukuk will no doubt increase, the uncertainty of longer-term forecasting will also increase. Forecasting in the present study lacks immediate quantification; however, the analyses provide a relevant and sustained policy framework for sovereign debt, and the analyses support the potentially strategic role of thematized instruments in fiscal management and for the sustainability of sukuk, in particular, focused sukuk, green sukuk, and retail sukuk. The research outlines strategic considerations for managing Shariah-compliant, long-term, and dynamic debt in Indonesia, thereby aligning financial innovation with national development interests.
Co-Authors Fahad Babangida Rininta Nurrachmi Sharifah Nabilah Syed Salleh