Integration of Blockchain-Based Smart Contracts as a Solution for Automation and Sharia Compliance in Islamic Banking Products

Cahyani, Adinda Intan; Baidhowi

doi:10.15294/llrq.v11i1.22661

Journal

Integration of Blockchain-Based Smart Contracts as a Solution for Automation and Sharia Compliance in Islamic Banking Products

Law Research Review Quarterly · Vol. 11 No. 1 (2025)

DOI: 10.15294/llrq.v11i1.22661
ISSN: 2716-3415
Published: 2025-07-25
Publisher: Universitas Negeri Semarang
Language: eng

Abstract

The integration of blockchain-based smart contracts technology has emerged as an innovative solution in banking. The utilization of blockchain technology and smart contracts offers great potential in improving operational efficiency and compliance with Shariah principles in Islamic banking products. Overall, blockchain-based smart contracts have the potential to overhaul the traditional way of providing Islamic banking services, by providing more efficient, transparent, and inclusive solutions. This research emphasizes the need for technological readiness and supportive policies for the successful implementation of this technology in the Islamic banking sector. This article discusses the potential use of smart contracts in strengthening automation and sharia compliance in Islamic banking products, focusing on the role smart contracts can play in increasing Islamic financial inclusion and expanding access to Islamic banking services and how prepared Islamic financial institutions are to adopt blockchain technology and smart contracts. That way, the utilization of blockchain-based smart contracts integration can be seen as better to bring significant changes in the Islamic banking sector, both in terms of increasing efficiency and in strengthening sharia principles which are the main foundation of the Islamic financial system.

Keywords

Collaboration network of the authors

14 authors · 13 co-authorship links

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State University of Semarang
Affiliation unknown

Different organisations
Same organisation
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Co-author	Organisation	Joint articles
Hani Fasatun Hasanah Hasanah	Affiliation unknown	1
Odesduto Simamora	Affiliation unknown	1
Tahta Perjalanan	Affiliation unknown	1
septi indah lestari septi	Affiliation unknown	1
Viesta Tya Amanda Widyasputri	Affiliation unknown	1
Rahma Alia	Affiliation unknown	1
Fara Diva Arrum Clarisa Putri	Affiliation unknown	1
Tama Amelia Putri Sijabat	Affiliation unknown	1
Ratih Damayanti	State University of Semarang	1
Ratih Damayanti Damayanti	Affiliation unknown	1
Ranma ma	Affiliation unknown	1
Marlina Dewi Setiani	Affiliation unknown	1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/snh/oai, first harvested 6 Nov 2026, last seen 8 Nov 2026.

Original metadata (oai_dc)

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	<dc:title xml:lang="en">Integration of Blockchain-Based Smart Contracts as a Solution for Automation and Sharia Compliance in Islamic Banking Products</dc:title>
	<dc:creator xml:lang="en">Cahyani, Adinda Intan</dc:creator>
	<dc:creator xml:lang="en">Baidhowi</dc:creator>
	<dc:subject xml:lang="en">Blockchain </dc:subject>
	<dc:subject xml:lang="en">smart contracts</dc:subject>
	<dc:subject xml:lang="en">Islamic banking</dc:subject>
	<dc:subject xml:lang="en">Shariah compliance</dc:subject>
	<dc:description xml:lang="en">The integration of blockchain-based smart contracts technology has emerged as an innovative solution in banking. The utilization of blockchain technology and smart contracts offers great potential in improving operational efficiency and compliance with Shariah principles in Islamic banking products. Overall, blockchain-based smart contracts have the potential to overhaul the traditional way of providing Islamic banking services, by providing more efficient, transparent, and inclusive solutions. This research emphasizes the need for technological readiness and supportive policies for the successful implementation of this technology in the Islamic banking sector. This article discusses the potential use of smart contracts in strengthening automation and sharia compliance in Islamic banking products, focusing on the role smart contracts can play in increasing Islamic financial inclusion and expanding access to Islamic banking services and how prepared Islamic financial institutions are to adopt blockchain technology and smart contracts. That way, the utilization of blockchain-based smart contracts integration can be seen as better to bring significant changes in the Islamic banking sector, both in terms of increasing efficiency and in strengthening sharia principles which are the main foundation of the Islamic financial system.</dc:description>
	<dc:publisher xml:lang="en">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2025-07-25</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
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	<dc:identifier>10.15294/llrq.v11i1.22661</dc:identifier>
	<dc:source xml:lang="en">Law Research Review Quarterly; Vol. 11 No. 1 (2025): Justice, Crime, and Law Enforcement in Various Contexts</dc:source>
	<dc:source>2716-3415</dc:source>
	<dc:source>10.15294/llrq.v11i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/snh/article/view/22661/5166</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Law Research Review Quarterly</dc:rights>
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