cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Cashless : Journal of Sharia Finance and Banking
Contact Email
jurnalcashless@unupasuruan.ac.id
Phone
+6285103770590
Journal Mail Official
jurnalcashless@unupasuruan.ac.id
Editorial Address
Jl. P.B Sudirman, Denpasar, Bali 80114, Indonesia
Location
Kab. pasuruan,
Jawa timur
INDONESIA
Cashless
Published by Universitas Nahdlatul Ulama Pasuruan
ISSN : 29881382     EISSN : 29881390     DOI : https://doi.org/10.55757/cashless
Core Subject : Economy,
Economics, Econometrics & Finance
Cashless: Journal of Sharia Finance and Banking is a peer-reviewed scientific journal published, Universitas Nahdlatul Ulama, Pasuruan, Indonesia. This journal is dedicated to serving as a platform for disseminating quality research, critical thinking, and in-depth analysis for researchers, academics, and practitioners in the field of Islamic finance and banking. In line with the dynamics of digital transformation in the financial sector, Cashless focuses on the development of modern financial instruments that remain grounded in Sharia principles. Focus and Scope This journal accepts original manuscripts covering, but not limited to, the following topics: Islamic Banking: Islamic banking risk management, good corporate governance, banking product innovation, and Islamic bank performance analysis. Digital Finance & Islamic Fintech: Implementation of financial technology (Fintech), cashless payment systems, blockchain, and digital currencies from an Islamic economic perspective. Islamic Microfinance Management: The role of BMT (Baitul Maal wat Tamwil), zakat, infaq, sedekah, and waqf (ZISWAF) institutions in community economic empowerment. Sharia Capital Markets: Analysis of sharia-compliant stock instruments, sukuk, sharia mutual funds, and the dynamics of the global Islamic capital market. Sharia Business Ethics & Economic Law: A review of contemporary muamalah jurisprudence (fiqh) in modern banking and financial practices. Islamic Monetary & Fiscal Policy: Analysis of public policies that impact the stability of the sharia financial system.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekomomi dan Ekonometrika
Articles 64 Documents
 1   2   3   4   5 
Efektivitas Manajemen Persediaan Bahan Baku Dan Biaya Produksi Menurut Perspektif Ekonomi Islam Chusnul Chotimah; Fathmah Hanum; Abdus Salam
Cashless : Journal of Sharia Finance and Banking Vol. 1 No. 1 (2023): 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.v1i1.232

Abstract

This article discusses the guidelines for raw material inventory management using the EOQ (Economic Order Quantity) method with company policies to seek a better understanding of how to handle raw material inventory management. Researchers want to discuss the Effectiveness of Raw Material Inventory Management and Production Costs According to the Perspective of Islamic Economics. The focus of this research is how to compare raw material ordering management according to CV company calculations. Jati Makmur with the EOQ (Economic Order Quantity) method and whether the production performance at CV. Jati Makmur has met the requirements of an Islamic Economics perspective? This study uses a quantitative approach and the research design is a survey model. Ary (1995) emphasized that besides being able to use the survey model to describe conditions with established criteria, it can also be used to investigate differences in these symptoms and to test hypotheses. The results showed that the raw material inventory control management implemented by CV. Jati Makmur is more efficient using the (Economic Order Quantity) method in maintaining the smooth production of plywood. Production Process of Raw Materials, and Production Costs in accordance with the requirements of the Islamic economy.
Analisis Hukum Islam Terhadap Pinjaman Uang Elektronik: (Studi Kasus Aplikasi Shopee PayLater) Ni’matush Sholihah; Adek Nuriya; Saiful Bakhri
Cashless : Journal of Sharia Finance and Banking Vol. 1 No. 1 (2023): Cashless : Journal of Sharia Finance and Banking (April)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The aim of this research is to investigate the practice of Shopee PayLater among users of the Shopee application and to examine the Islamic legal perspective on the practice of electronic money lending through Shopee PayLater. This is a field research study that is descriptive in nature, and the analysis of data is conducted using a qualitative descriptive method. The findings of this research indicate that the practice of Shopee PayLater on the Shopee application involves borrowing money that is paid back in installments with varying interest rates. The due date for payment is on the 5th day of the following month after the borrowing. A late payment penalty of 5% of the amount to be paid is charged if payment is delayed. Islamic legal perspective on the practice of electronic money lending through Shopee PayLater highlights that while the Shopee PayLater practice from the Shopee marketplace already incorporates Islamic values in its transactions, it still involves riba (interest), the addition of extra charges to the principal debt, and other additional charges that burden the borrower. Additionally, there is a provision for penalties or fines for late payment, which goes against Islamic principles. These aspects of the practice should be addressed to comply with Islamic law.
Strategi Peningkatan Layanan Customer Dengan Program Telesales Dalam Meningkatkan Kepuasan Pelanggan Pada Bisnis Jasa Pengiriman Barang Saiful Bakhri; Fi’satil Kamila
Cashless : Journal of Sharia Finance and Banking Vol. 1 No. 1 (2023): 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.v1i1.243

Abstract

The rapid development of the e-commerce ecosystem is referred to by the majority of logistics players as a fertile climate for the growth of the logistics industry, especially courier service players and expedition services. The growth of e-commerce from 2020 to 2021 grew quite significantly, double digits. The estimate is more than 40 percent. And still waiting for the final data but still confident growth above 40 percent year-on-year, research in a qualitative approach is needed, because for data collection. In qualitative research, the presence of researchers as an instrument as well as data collectors. Data collection is a procedure for obtaining data systematically by using observation, interviews, and documentation. The variables that will be tested in this study are telesales, customer service, customer satisfaction. Keyword : customer service; telesales; customer satisfaction; freight forwarding service
Evaluasi Pelayanan Perbankan Syariah Di Era Digitalisasi Studi Kasus Bank Jatim Syariah Cabang Pasuruan Nia Maulidia; Sagita Martha Triyani; Irham Maulana
Cashless : Journal of Sharia Finance and Banking Vol. 1 No. 1 (2023): 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.v1i1.244

Abstract

The rapid growth of Bank Jatim Pasuruan's digitalization, as shown by the increasing growth of its Assets, and Financing, from year to year, shows how competitive and universal the sharia system has been applied to services in the era of digitalization. It also shows that the governance carried out by management is carried out professionally, trustfully and very well. Of course, this is also inseparable from the factors that influence it. This study aims to analyze the factors that influence the service supporters of the digitalization era and service inhibiting factors, and see the causality relationship between the variables tested, the magnitude of each influence, and the response given, in this study, researchers used several methods. This method is done to get data from the field directly so that the data obtained can be trusted and accounted for. The variables that will be tested in this study are digitalization, services.
Eksistensi Perbankan Syariah Dalam Menyongsong Era Digitalisasi Sultan Hasanudin; Salsabila Firdaus; Dita Khoirunjannah
Cashless : Journal of Sharia Finance and Banking Vol. 1 No. 1 (2023): 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.v1i1.245

Abstract

Islamic banking is a financial institution whose implementation adheres to Islamic law which is guided by the Al-Qur`an, Hadith, Ijma`, and Qiyas. Islamic banks appeared in Indonesia around the 1990s with the establishment of Bank Muamalat Indonesia without being based on applicable laws. The development of Islamic banks cannot be separated from the digital era in which technological advances are very rapid marked by the existence of: Mobile Banking, Internet Banking, SMS Banking and Telephone Banking which are easy, comfortable and safe to use, therefore in this digitalization era it is necessary to increase public perception Indonesia towards Islamic Banks by carrying out strategic efforts related to promotion and education that can touch the religious aspects of society, so that they are able to change their attitudes and paradigms for the better and are interested in Islamic financial products.
S Strategi Penanganan Pembiayaan Bermasalah Pada BPRS Daya Artha Mentari Pasuruan: Strategi Penanganan Pembiayaan Bermasalah Siti Ilfiah; Saiful Bakhri; Ilham Wahyudi
Cashless : Journal of Sharia Finance and Banking Vol. 1 No. 2 (2023): 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.v1i2.322

Abstract

Problematic financing can affect the income of BPRS Daya Artha Mentari Pasuruan. This requires treatment to overcome problematic financing. The aim of this research is to find out the strategy for handling problematic financing carried out by BPRS Daya Artha Mentari Pasuruan. This research is field research with a qualitative approach. The research results discuss problematic financing caused by two factors, namely internal factors (coming from BPRS Daya Arha Mentari Pasuruan) and external factors (coming from members). Handling problematic financing at BPRS Daya Arha Mentari Pasuruan by contacting members by telephone, SP warnings, billing directly to the customer's location, conducting customer negotiations through rescheduling, Reconditioning, Restructuring, and confiscation of collateral.
THE STRATEGIES TO IMPROVE SERVICE QUALITY THROUGH DIGITALIZATION OF JCONNECT MOBILE BANKING AT BPD EAST JAVA: STRATEGI PENINGKATAN KUALITAS PELAYANAN MELALUI DIGITALISASI MOBILE BANKING JCONNECT PADA BPD JAWA TIMUR Dikril Faizun; Saiful Bakhri; Sultan Hasanudin
Cashless : Journal of Sharia Finance and Banking Vol. 1 No. 2 (2023): 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.v1i2.324

Abstract

JConnect Mobile Banking is one of the innovative products and services of Bank Jatim based on e-channel, which allows the Bank to provide services to its customers through mobile phones using mobile applications on android and iOS platforms that use internet data packages in transactions. This research is descriptive research that aims to collect actual information in detail that explains the Strategy for Improving Service Quality Through Digitalization of Mobile Banking Jconnect at BPD East Java. Mobile banking via cell phones is very easy to understand, does not incur additional costs, and has security features that ensure banking transactions are carried out safely and securely.
Analisis Faktor – Faktor Terjadinya Pembiayaan Bermasalah Tanpa Agunan dan Strategi Penanganannya Di Lembaga Keuangan Mikro Syariah Dokma Kampus Center Pasuruan lutfiyah; Hilda Sanjayawati; Saiful Bakhri
Cashless : Journal of Sharia Finance and Banking Vol. 1 No. 2 (2023): 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.v1i2.325

Abstract

The purpose of this study was to find out what are the factors that cause problematic financing on qardhul hasan products and how to deal with problematic financing on qardhul hasan at the Dokma Islamic microfinance institution, Pasuruan Center Campus. In an effort to achieve these goals, this study uses a qualitative descriptive approach in collecting data. The authors use primary data sources taken from observation and interviews, as well as secondary data in the form of literature studies and other documentation.The results of this study are that what causes problematic financing in qardhul hasan financing products at the Dokma Syariah Center Campus Pasuruan Microfinance Institution are internal factors and external factors. Internal factors are the inaccuracy of financing officers or cooperatives in analyzing the character of prospective members, and external factors are factors that occur outside of the bank's fault, external factors are also due to the intentional element of financing members not paying installments and unintentionally, namely natural disasters such as death is one of the causes of financing without collateral problems. In handling problematic financing on qardhul hasan products, it is necessary to use a rescheduling system, a reconditioning system or changes to requirements for returns and restructuring. By using these three systems, the Dokma Campus Center Pasuruan Islamic microfinance institution can reduce losses that occur or are experienced by the Dokma Campus Center Pasuruan Islamic microfinance institution in providing financing without collateral.
Penerapan Manajemen Risiko Pada Pembiayaan Di Bank Muamalat Indonesia (Bmi) Kantor Cabang Pembantu Pasuruan Wakhidatus Sukria; Andriati Aziizah Syafitri; Naylatul Khoiriyah
Cashless : Journal of Sharia Finance and Banking Vol. 1 No. 2 (2023): 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.v1i2.328

Abstract

This research discussed the Application Of Financing Risk Management at Bank Muamalat Indonesia (BMI) Pasuruan Sub-Branch Office. This type of research used is a qualitative research method. As for the data collection technique used by means of intervews to provide a systematic and accurate descrption of the application of risk management in financing at Bank Muamalat Indonesia KCP Pasuruan whose research focus is focused on the application of risk management and how to handle if a risk occurs in financing. The results of this study are: at Bank Muamalat Indonesia KCP Pasuruan in implementing financing risk management using several steps or stages such as the identification stage, the measurement stage, the monitoring stage and the control stage by applying good sharia principles for customers. In handling when there is a risk in financing Bank Muamalat Indonesia KCP Pasuruan uses procedures for the good of both parties. Starting from warnings to providing good solutions for these customers.
Tinjauan Hukum Islam Terhadap Praktik Tabungan Sahara Ramadhan Studi Kasus Desa Siyar Kecamatan Rembang Kabupaten Pasuruan Achmad Yasin; Saiful Bakhri; Anisak
Cashless : Journal of Sharia Finance and Banking Vol. 1 No. 2 (2023): 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.v1i2.329

Abstract

The practice of Sahara Ramadhan Savings in the community of Siyar Village, Rembang District, Pasuruan Regency is unique and different compared to savings for mothers in general, because there is a different financial management system. This article uses qualitative methods and describes what was found in the field. This article attempts to describe the Sahara Ramadhan savings practice and explain it descriptively so as not to eliminate the detail and completeness of this research methodology. The results obtained from this field research are that the practice of Sahara Ramadhan savings was created because of a suggestion by one of the residents in Siyar Village, Rt/Rw 02/04, to be precise. This proposal arose because they wanted to ease the economy of mothers when they were about to enter the month of Ramadan. The conclusion from the results of this research is that if seen from the practice, it is in accordance with Islamic law. But if we look at the cuts without the members knowing, it is considered gharar and is not justified by Islamic law.

Page 1 of 7 | Total Record : 64

 1   2   3   4   5 

Filter by Year

2023 2026


Reset
Filter By Issues
All Issue Vol. 4 No. 1 (2026): Cashless : Journal of Sharia Finance and Banking (April) Vol. 3 No. 2 (2025): Cashless : Journal of Sharia Finance and Banking (Oktober) Vol. 3 No. 1 (2025): Cashless : Journal of Sharia Finance and Banking (April) Vol. 2 No. 2 (2024): Cashless : Journal of Sharia Finance and Banking (Oktober) Vol. 2 No. 1 (2024): Cashless : Journal of Sharia Finance and Banking (April) Vol. 1 No. 2 (2023): Cashless : Journal of Sharia Finance and Banking (Oktober) Vol. 1 No. 1 (2023): Cashless : Journal of Sharia Finance and Banking (April)