cover
Contact Name
Wiwik Saidatur Rolianah
Contact Email
wiwik@steikassi.ac.id
Phone
+6285829626513
Journal Mail Official
jurnal.saujana@gmail.com
Editorial Address
Jl. Pemuda No.75, Bunderan, Kec. Sidayu, Kabupaten Gresik, Jawa Timur 61153
Location
Kab. gresik,
Jawa timur
INDONESIA
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
ISSN : -     EISSN : 27235289     DOI : https://doi.org/10.59636/saujana.v4i01.60
The Saujana Journal is a journal that contains articles in the form of research results from Islamic Banking and Islamic Economics.
Articles 123 Documents
Digital Traceability in Halal Food Supply Chains A Bibliometric Analysis of IoT and Blockchain Applications Kholid Albar; Dimas Wahyu Rozaki; Novie Andriani Zakariya
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 8 No 2 (2026): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v8i2.479

Abstract

The rapid growth of the global halal food industry has intensified the need for robust traceability systems to ensure product integrity, transparency, and compliance with religious standards. This study aims to analyze the development and structure of research on traceability technologies in halal food supply chains, with a focus on emerging digital solutions such as blockchain and the Internet of Things. A bibliometric approach was employed using Scopus-indexed publications from 2015 to 2025, combined with network visualization techniques to map research trends, key contributors, and thematic clusters. The results reveal a significant increase in research output over the past decade, with strong dominance from Southeast Asian countries, particularly Malaysia and Indonesia. Core research themes include traceability, halal certification, and supply chain management, with growing emphasis on digital technologies that enhance transparency and trust. Blockchain and Internet of Things technologies are identified as central enablers of real-time data integration and secure verification, although their adoption is constrained by cost, infrastructure, and regulatory fragmentation. The analysis also highlights the importance of certification bodies and governance frameworks in ensuring halal compliance and supporting system interoperability. Overall, the study demonstrates that halal traceability is evolving toward integrated, technology-driven systems, yet requires further development in terms of scalability and standardization. The findings provide valuable insights for researchers and policymakers, emphasizing the need for interdisciplinary approaches and regulatory harmonization to strengthen global halal supply chain systems.
Digitalisasi Layanan Perbankan Syariah dan Inklusi Keuangan: Analisis Pengaruh BSI Smart dan BYOND by BSI di Kabupaten Bone A.Ayunda Adhya; Muh. Arafah; Fitriani
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 8 No 2 (2026): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v8i2.472

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh penggunaan BSI Smart dan BYOND by BSI terhadap inklusi keuangan syariah di Kabupaten Bone. Penelitian terdahulu umumnya masih membahas layanan agen atau mobile banking secara terpisah, sedangkan penelitian ini menguji keduanya secara simultan dalam satu model inklusi keuangan syariah. Penelitian ini menggunakan pendekatan kuantitatif dengan metode regresi linear berganda. Data dikumpulkan melalui kuesioner kepada 100 responden yang merupakan pengguna layanan BSI Smart dan/atau BYOND by BSI di Kabupaten Bone. Hasil penelitian menunjukkan bahwa BSI Smart berpengaruh positif dan signifikan terhadap inklusi keuangan syariah dengan koefisien regresi sebesar 0,212 dan nilai signifikansi 0,007. BYOND by BSI juga berpengaruh positif dan signifikan dengan koefisien regresi sebesar 0,776 dan nilai signifikansi 0,000. Secara simultan, BSI Smart dan BYOND by BSI berpengaruh signifikan terhadap inklusi keuangan syariah dengan nilai F hitung sebesar 173,492 dan signifikansi 0,000. Nilai R Square sebesar 0,782 menunjukkan bahwa kedua variabel mampu menjelaskan 78,2% variasi inklusi keuangan syariah. Temuan ini menunjukkan bahwa kombinasi layanan agen dan mobile banking dapat menjadi model layanan hibrida untuk memperluas inklusi keuangan syariah di daerah.
Islamic Fintech and Digital Islamic Economic Development: Opportunities and Challenges in Supporting Sustainable Community Welfare Nurul Istifadhoh
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 8 No 2 (2026): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v8i2.482

Abstract

Fintech is a financial services method that is gaining popularity in today's digital era. Digital payments are one of the fastest-growing sectors in the fintech industry in Indonesia. Sustainable development is used as a human effort to improve the quality of life while still striving not to overwhelm the ecosystem that supports life, and is always considered a crucial issue in society. The aim of this research is to determine whether fintech can become a solution for sustainable development in Indonesia. The research method used is qualitative descriptive with a literature study approach. The results show that fintech implementation is considered one solution for improving sustainable development goals to optimize the realization of public welfare. On the other hand, fintech implementation still requires various preparations that must be met first by the government, including customer data security, digital literacy, financial literacy, and infrastructure for every fintech activity

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