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Rekonstruksi Pengelolaan Zakat atas Hasil Tambang (Ma’din) dan Barang Temuan (Rikaz) dalam Perspektif Fiqih Kontemporer Risa Umami; Inayatul Qudsiyah
Cashless : Journal of Sharia Finance and Banking Vol. 3 No. 1 (2025): Cashless : Journal of Sharia Finance and Banking (April)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/cashless.v3i1.1161

Zakat is a religious fiscal instrument that plays a strategic role in wealth redistribution and poverty alleviation. Among the objects of zakat with massive economic potential yet often overlooked are mining products (ma'din) and found objects (rikaz). This article aims to analyze in-depth the sharia provisions related to zakat on mining and rikaz through a descriptive qualitative approach. The study results indicate that differences in acquisition characteristics result in different zakat levels, namely 2.5% for mining and 20% for rikaz. Professional management in this sector is expected to become a pillar supporting the economic independence of the community.

PERAN MANAJEMEN DALAM MENINGKATKAN KINERJA LEMBAGA KEUANGAN Sholeh Wafie; Risa Umami; Yetma Sari
Cashless : Journal of Sharia Finance and Banking Vol. 3 No. 2 (2025): Cashless : Journal of Sharia Finance and Banking (Oktober)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/cashless.v3i2.1163

This study uses qualitative methods to determine the role of management in improving the performance of financial institutions. Specifically, this study aims to examine the role of management which includes human resource management (HR) and management control in an effort to improve employee performance to achieve goals in financial institutions. The results of the study show that the role of management that is structured, planned and can work well in a financial institution has a positive and significant effect on the performance of employees in a financial institution, namely the achievement of a company's goals. Management control is one of the references used to manage existing resources in financial institutions, so that financial institutions are able to get a good image, value and generate profits as expected by the company

Mekanisme Pembiayaan Berbasis Digital pada Fintech Syariah Peer To Peer Lending Hanim Misbah; Saiful Bakhri; Risa Umami; Kharina Arifia
Tasharruf : Journal of Islamic Economics and Business Vol. 6 No. 1 (2025): Tasharruf : Journal of Islamic Economics and Business (Mei)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v6i1.1149

The rapid advancement of information technology has significantly transformed financial services, giving rise to digital innovations such as Islamic Peer-to-Peer (P2P) Lending Fintech. This platform offers a Sharia-compliant financing alternative, primarily targeting Micro, Small, and Medium Enterprises (MSMEs) that often face barriers in accessing traditional bank loans. This study aims to analyze the digital financing mechanism within Islamic P2P lending, examining its regulatory framework, underlying Islamic contracts, operational structure, and key distinctions from conventional models. The findings indicate that Islamic P2P lending operates on core Sharia principles prohibiting riba (usury), gharar (uncertainty), and maysir (speculation) and utilizes contracts such as mudharabah (profit-sharing), musyarakah (joint venture), wakalah bil ujrah (fee-based agency), and al-qardh (benevolent loan). The study concludes that Islamic P2P lending enhances financial inclusion by providing accessible, transparent, and ethically structured digital financing, thereby supporting the growth of MSMEs and promoting the broader development of Indonesia's Islamic financial ecosystem.

Fintech Untuk Semua Menjembatani Kesenjangan Akses Keuangan di Pedesaan Indonesia 2025 Nur Aima Shafie1; Saiful Bakhri; Risa Umami
Tasharruf : Journal of Islamic Economics and Business Vol. 6 No. 2 (2025): Tasharruf : Journal of Islamic Economics and Business (November)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v6i2.1153

This study analyzes the strategic role of fintech in addressing the gap in access to rural finance in Indonesia in 2025, using a qualitative approach by applying the literature review method. Structural gaps remain critical (rural financial inclusion index: 75.7% vs urban 89.2%), triggered by a triad of digital infrastructure problems(22% of villages have unstable electricity), dual literacy (only 35% understand fintech products), and gender gap (female account ownership: 74.3%).Through a qualitative approach, the 2026-2030 Agenda focuses on regulatory harmonization.blockchain, gender affirmation (40% quota of female LKD agents), expansiongreen fintechfor renewable energy, as well as the construction of 300 4G/5G towers and trainingcyber hygiene20,000 agents. Research concludes that rural financial justice can only be achieved through the integration of adaptive regulation-inclusive infrastructure-local wisdom-based education,with risk mitigationdigital colonialism and ESG principles as pillars of sustainability.

Rekonstruksi Pengelolaan Zakat atas Hasil Tambang (Ma’din) dan Barang Temuan (Rikaz) dalam Perspektif Fiqih Kontemporer Risa Umami; Inayatul Qudsiyah
Cashless : Journal of Sharia Finance and Banking Vol. 3 No. 1 (2025): Cashless : Journal of Sharia Finance and Banking (April)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/cashless.v3i1.1161

Zakat is a religious fiscal instrument that plays a strategic role in wealth redistribution and poverty alleviation. Among the objects of zakat with massive economic potential yet often overlooked are mining products (ma'din) and found objects (rikaz). This article aims to analyze in-depth the sharia provisions related to zakat on mining and rikaz through a descriptive qualitative approach. The study results indicate that differences in acquisition characteristics result in different zakat levels, namely 2.5% for mining and 20% for rikaz. Professional management in this sector is expected to become a pillar supporting the economic independence of the community.

PERAN MANAJEMEN DALAM MENINGKATKAN KINERJA LEMBAGA KEUANGAN Sholeh Wafie; Risa Umami; Yetma Sari
Cashless : Journal of Sharia Finance and Banking Vol. 3 No. 2 (2025): Cashless : Journal of Sharia Finance and Banking (Oktober)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/cashless.v3i2.1163

This study uses qualitative methods to determine the role of management in improving the performance of financial institutions. Specifically, this study aims to examine the role of management which includes human resource management (HR) and management control in an effort to improve employee performance to achieve goals in financial institutions. The results of the study show that the role of management that is structured, planned and can work well in a financial institution has a positive and significant effect on the performance of employees in a financial institution, namely the achievement of a company's goals. Management control is one of the references used to manage existing resources in financial institutions, so that financial institutions are able to get a good image, value and generate profits as expected by the company

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