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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 133 Documents
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Bank Syariah dan Produk Pembiayaan: Analisis Implementasi dan Tantangan di Indonesia Adzkia Nabila; Muhammad Yazid
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.v8i3.490

Abstract

Sharia banks are financial institutions that operate based on Islamic legal principles that prohibit usury (riba), gharar (gharar), and maysir (gambling). This study aims to analyze the implementation of financing products in Sharia banks in Indonesia, identify the challenges faced, and evaluate their role in promoting Islamic-based economic growth. The research method used is a literature review with a descriptive-analytical approach. Data were collected from various secondary sources, including books, scientific journals, Sharia banking regulations, and financial reports of Sharia banks in Indonesia. The results show that Sharia bank financing products in Indonesia include murabahah, mudharabah, musyarakah, ijarah, and istishna, each with its own characteristics and mechanisms. Murabahah still dominates the Sharia bank financing portfolio, reaching more than 60 percent of total financing. The main challenges faced include low public Sharia financial literacy, limited competent human resources, and competition with conventional banks. This study concludes that strengthening regulations, improving education, and product innovation are key to the sustainability of Sharia banks in Indonesia.
Peran Fintech Syariah Dalam Pemberdayaan UMKM: Analisis Literatur Nur Habibah; Sri Anafarhanah
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.v8i3.548

Abstract

Penelitian ini bertujuan untuk menganalisis peran fintech syariah dalam pemberdayaan Usaha Mikro, Kecil, dan Menengah (UMKM) melalui pendekatan studi literatur. Metode yang digunakan adalah penelitian kualitatif dengan pendekatan library research, yaitu mengkaji berbagai jurnal ilmiah, buku, dan dokumen yang relevan terkait fintech syariah dan pemberdayaan UMKM. Hasil kajian menunjukkan bahwa fintech syariah memiliki peran strategis dalam meningkatkan akses pembiayaan, memperluas inklusi keuangan, meningkatkan efisiensi transaksi, serta memperkuat literasi keuangan dan literasi digital pelaku UMKM. Melalui penerapan prinsip-prinsip syariah seperti keadilan, transparansi, dan kemitraan, fintech syariah mampu menjadi alternatif solusi pembiayaan yang sesuai dengan kebutuhan pelaku usaha. Selain itu, fintech syariah memiliki peluang besar untuk berkembang di Indonesia karena didukung oleh perkembangan teknologi digital, regulasi yang semakin mendukung, dan besarnya jumlah penduduk Muslim. Namun demikian, masih terdapat berbagai tantangan yang perlu diatasi, seperti rendahnya literasi keuangan syariah, keterbatasan sumber daya manusia, persyaratan regulasi, serta persaingan teknologi yang semakin ketat. Oleh karena itu, diperlukan sinergi antara regulator, penyedia layanan fintech syariah, lembaga keuangan syariah, dan pelaku UMKM untuk mengoptimalkan peran fintech syariah dalam mendorong pertumbuhan ekonomi yang inklusif dan berkelanjutan.
Productive Zakat as a Strategic Instrument for Achieving the Sustainable Development Goals (SDGs) Muhlis; Farhadi Arifiansyah
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.v8i3.550

Abstract

Productive zakat is one of the Islamic social finance instruments that has significant potential to support the achievement of the Sustainable Development Goals (SDGs), particularly in poverty alleviation, economic empowerment, and reducing social inequality. This study aims to analyze the role of productive zakat as an indicator for achieving the SDGs from the perspective of Islamic economics. The research employs a qualitative approach using the library research method by examining books, scientific journal articles, reports from zakat institutions, and other relevant literature. The findings indicate that productive zakat contributes positively to achieving several SDGs, especially Goal 1 (No Poverty), Goal 8 (Decent Work and Economic Growth), and Goal 10 (Reduced Inequalities). Through business capital assistance, entrepreneurial training, and continuous mentoring, productive zakat improves beneficiaries' income, encourages economic independence, and strengthens local economic development. Nevertheless, its implementation still faces challenges, including limited funding, uneven quality of mentoring, and the absence of standardized evaluation indicators linked to the SDGs. Therefore, optimizing productive zakat requires professional governance, digital innovation, and collaboration among zakat institutions, government, and other stakeholders. This study concludes that productive zakat is not only an instrument of Islamic philanthropy but also a strategic mechanism for promoting inclusive and sustainable development in Indonesia.

Page 14 of 14 | Total Record : 133

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