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Wiwik Saidatur Rolianah
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SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Published by Sekolah Tinggi Ekonomi Islam Kanjeng Sepuh Gresik Jawa Timur
ISSN : -     EISSN : 27235289     DOI : https://doi.org/10.59636/saujana.v4i01.60
Core Subject : Religion, Economy, Humanities, Education, Social,
Religion Humanities Economics, Econometrics & Finance Education Social Sciences
The Saujana Journal is a journal that contains articles in the form of research results from Islamic Banking and Islamic Economics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 129 Documents
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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
Entrepreneurial Capability and Digital Literacy as Drivers of Micro-Enterprise Sustainability in Surabaya, Indonesia La Himmah il Princess Choris
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 8 No 3 (2026): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : LPPM STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v8i3.353

Abstract

Micro-enterprises increasingly depend on internal managerial capabilities and effective engagement with digital technologies to maintain sustainable performance under changing market conditions. This study examines the relationships between entrepreneurial capability, digital literacy, and micro-enterprise sustainability in Surabaya, Indonesia, while comparing the relative contribution of the two predictors. A cross-sectional quantitative survey was conducted involving 55 micro-entrepreneurs selected through purposive sampling. Entrepreneurial capability, digital literacy, and sustainability were measured using a five-point Likert scale, and the data were analysed through partial least squares structural equation modelling. The findings show that entrepreneurial capability is positively and significantly associated with micro-enterprise sustainability, with a path coefficient of 0.588, a test statistic of 5.398, and a probability value below 0.001. Digital literacy also demonstrates a positive and significant relationship with sustainability, with a path coefficient of 0.279, a test statistic of 2.599, and a probability value of 0.009. Entrepreneurial capability therefore exhibits a stronger relationship with sustainability than digital literacy. Active learning, analytical ability, passion, and self-achievement emerged as prominent elements of entrepreneurial capability, while information management and digital safety were central components of digital literacy. These results indicate that digital competence is valuable but may generate greater sustainability benefits when supported by leadership, managerial judgement, and the ability to translate technological resources into business decisions. The study contributes contextual evidence from an Indonesian urban setting by integrating entrepreneurial capability and digital literacy within one model of economic, social, and environmental sustainability. Capacity-development initiatives should therefore combine entrepreneurial training with practical digital-literacy and cybersecurity education.
Strategi Digital Marketing dalam Penguatan Pangsa Pasar CV. Kopi Mas Sejati di Desa Somalang Pakong Pamekasan Nor Safika; Abd. Hamid
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 8 No 3 (2026): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : LPPM STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v8i3.487

Abstract

Penelitian ini membahas tentang strategi digital marketing dalam penguatan pangsa pasar pada CV. Kopi Mas Sejati di Desa Somalang Pakong Pamekasan. Pokok permasalahan dalam penelitian ini adalah bagaimana penerapan strategi digital marketing serta pengaruhnya terhadap peningkatan daya saing dan pangsa pasar usaha kopi lokal di era ekonomi digital. Perkembangan teknologi informasi dan media digital mendorong UMKM untuk memanfaatkan pemasaran berbasis internet sebagai sarana promosi, komunikasi, dan pengembangan usaha agar mampu bersaing di tengah persaingan bisnis yang semakin kompetitif. Metode penelitian yang digunakan adalah pendekatan kualitatif dengan jenis penelitian deskriptif. Teknik pengumpulan data dilakukan melalui observasi, wawancara, dan dokumentasi terhadap pemilik usaha, karyawan, dan konsumen CV. Kopi Mas Sejati. Data yang diperoleh dianalisis melalui tahapan reduksi data, penyajian data, dan penarikan kesimpulan. Keabsahan data dilakukan dengan triangulasi sumber dan triangulasi metode agar hasil penelitian lebih valid dan terpercaya. Hasil penelitian menunjukkan bahwa strategi digital marketing yang diterapkan CV. Kopi Mas Sejati melalui media sosial, marketplace, dan aplikasi komunikasi digital mampu meningkatkan jangkauan pemasaran, memperkuat branding produk, serta meningkatkan loyalitas konsumen. Penggunaan konten digital seperti foto produk, video promosi, dan testimoni pelanggan memberikan dampak positif terhadap peningkatan minat beli masyarakat. Selain itu, pemasaran digital membantu perusahaan membangun hubungan yang lebih interaktif dengan konsumen dan memperluas pangsa pasar hingga luar daerah. Namun demikian, implementasi digital marketing masih menghadapi beberapa kendala, seperti keterbatasan sumber daya manusia, tingginya persaingan bisnis digital, serta kurangnya inovasi konten pemasaran. Oleh karena itu, diperlukan pengembangan strategi pemasaran digital yang lebih kreatif, inovatif, dan profesional agar CV. Kopi Mas Sejati mampu mempertahankan keberlanjutan usaha dan memperluas pangsa pasar secara berkelanjutan.
Analisis Pemahaman Nasabah terhadap Akad Jual Beli pada Perbankan Syariah Grace Merienth Arha Silalahi; Irma Siagian; Twenty Desyen Manurung
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 8 No 3 (2026): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : LPPM STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v8i3.489

Abstract

This study aims to analyze the level of customer understanding of the sale and purchase agreement in Islamic banking and identify factors influencing this understanding through a literature review. The study used a qualitative method with descriptive analysis based on library research. The research data came from various secondary sources, including books, scientific journal articles, Islamic banking regulations, DSN-MUI fatwas, and official reports (OJK). The data analysis technique was conducted using content analysis based on the Miles, Huberman, and Saldaña model through the stages of data reduction and presentation, as well as drawing conclusions and verification. The results show that education level, length of customer experience, and intensity of socialization from Islamic banks are the main factors influencing customer understanding of the sale and purchase agreement. Customers with higher levels of education tend to have better abilities in understanding the concept of the agreement and distinguishing between profit margin and interest mechanisms. In addition, longer transaction experience contributes to increased understanding through an experiential learning process. Socialization conducted by banks has also been proven to play a significant role in improving public Islamic financial literacy. A good understanding of the sale and purchase agreement has a positive impact on product usage decisions, customer satisfaction, and loyalty to Islamic banking. This research emphasizes the importance of strengthening public education strategies, ensuring contract transparency, and improving Islamic financial literacy as efforts to support the sustainable development of the Islamic banking industry.
Pengaruh Akuntabilitas dan Transparansi Laporan Keuangan Terhadap Kepercayaan Muzakki pada BAZNAS Kabupaten Tasikmalaya Taniari; Rizky Ridwan
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 8 No 3 (2026): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : LPPM STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v8i3.514

Abstract

Abstract : This study aims to analyze the influence of accountability and transparency of financial reports on the trust of muzakki in BAZNAS Tasikmalaya Regency. This study uses a quantitative approach with an associative method. The study population is the Muslim community in Tasikmalaya Regency who have paid zakat and are aware of the existence of BAZNAS Tasikmalaya Regency. The research sample consisted of 100 respondents selected using purposive sampling techniques. The analysis was carried out through validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, t-tests, F-tests, and coefficients of determination with the help of the SPSS version 30 program. The results of the study show that accountability has a positive and significant effect on the trust of muzakki. In addition, transparency also has a positive and significant effect on the trust of muzakki. In addition, accountability and transparency have a positive and significant effect on the trust of muzakki. These findings indicate that improving the quality of accountability and information transparency in the management of zakat funds is an important factor in building and increasing the trust of muzakki. Towards BAZNAS Tasikmalaya Regency Keywords: Accountability, Transparency, Financial Reports, Zakat Payers' Trust, Tasikmalaya Regency BAZNAS
Analisis Pengaruh Pengungkapan Green Banking Terhadap Kinerja Sustainablity BSI Periode 2021-2025 Nelfitasari; Rahmi Isriani
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 8 No 3 (2026): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : LPPM STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v8i3.534

Abstract

This study aims to analyze the effect of implementing green banking on sustainability performance at PT Bank Syariah Indonesia (BSI) during the 2021–2025 period. Green banking is understood as a banking strategy that integrates environmental aspects into operations and financing to support sustainable development. The research method uses a quantitative approach with descriptive and associative techniques, based on secondary data from BSI's annual reports and sustainability reports from 2021–2025. The independent variable is green banking, measured through indicators of green financing, eco-friendly operations, green products, and environmental policies. The dependent variable is sustainability performance, reviewed from environmental, social, and economic dimensions. The analysis was conducted using descriptive statistics, Pearson correlation tests, and simple linear regression using Microsoft Excel. The research results show that implementing green banking has a positive impact on BSI's sustainability performance, with improvements in operational efficiency, strengthening social responsibility, and support for achieving sustainability goals. These findings confirm that green banking is an important strategy for Islamic banking in realizing sustainable development while also boosting the company's legitimacy in the eyes of stakeholders.
Etika Pemasaran Islam dan Loyalitas Merek Perbankan Syariah: Peran Mediasi Kepercayaan dalam Tinjauan Literatur Terfokus 2015–2025 Yudhi Novriansyah; Herawati; Muhammad Asman
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 8 No 3 (2026): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : LPPM STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v8i3.545

Abstract

Islamic banking is growing rapidly, yet how Islamic marketing ethics builds trust and brand loyalty remains fragmented. This study maps relationships among Islamic marketing ethics, trust, and brand loyalty in Islamic banking (2015–2025) via a focused/purposive literature review. A search across five databases (Scopus, Web of Science, Google Scholar, DOAJ, Sinta; last search 20 June 2026) yielded eight purposively selected studies, chosen for methodological quality, citation count, and method/region representativeness, then assessed by two independent reviewers using CASP checklists (Cohen’s kappa = 0.85; 95% CI: 0.69–0.93; “almost perfect”). A narrative synthesis was conducted. Results show three of four studies report a positive link between Islamic marketing ethics and trust; of six studies on the trust/brand image–loyalty path, four report a direct relationship, two partial mediation. The novelty is a serial mediation model integrating ethics, trust, Islamic brand image, and loyalty, moderated by religiosity and Islamic financial literacy, with a conceptual extension toward digital trust and marketing ethics. Theoretically, this offers a framework extensible to digital contexts; practically, it underscores ethics as core to Islamic bank marketing and financial inclusion. Limitations include the purposive scope, dominance of English-language sources, and predominantly cross-sectional evidence limiting claims to association rather than causation.

Page 13 of 13 | Total Record : 129

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