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Cashless : Journal of Sharia Finance and Banking
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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
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Perbedaan Prinsip Bunga Dan Bagi Hasil Pada Produk Tabungan di Bank Konvensional dan Bank Syariah Nuril Aini; Saiful Bakhri
Cashless : Journal of Sharia Finance and Banking Vol. 2 No. 1 (2024): 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.v2i01.390

Abstract

Pertumbuhan sistem keuangan global telah menyaksikan keragaman pendekatan dan prinsip yang diterapkan oleh bank konvensional dan syariah. Perbedaan mendasarnya salah satunya terletak pada prinsip dasar penanganan produk tabungan. Artikel ini bertujuan untuk mengetahui perbedaan prinsip bunga dan bagi hasil pada produk tabungan yang ditawarkan oleh bank konvensional dan bank syariah. Penelitian ini akan mengulas konsep dasar bunga sebagai biaya pinjaman pada bank konvensional, berbeda dengan prinsip bagi hasil yang menjadi ciri utama pada bank syariah. Dengan fokus pada produk tabungan, kami akan menganalisis bagaimana sistem bunga pada bank konvensional melibatkan pembayaran bunga tetap atau mengambang kepada nasabah, sedangkan bank syariah menerapkan prinsip bagi hasil yang berorientasi pada keuntungan bersama. Metodologi penelitian ini menggunakan penelitian kepustakaan yang meliputi analisis komparatif antara struktur produk tabungan konvensional dan syariah, serta tinjauan literatur untuk memahami implikasi ekonomi dan keuangan dari penerapan prinsip bunga dan bagi hasil. Kesimpulan penelitian perbedaan bunga dan bagi hasil produk tabungan bank syariah dengan bank konvensional terdapat pada Mekanisme Pendapatan dimana bank konvensional menggunakan sistem bunga dimana nasabah menerima imbalan berupa bunga tetap atas saldo tabungannya. Sedangkan bank syariah menggunakan bagi hasil dimana nasabah membagi keuntungan atau kerugian dari investasi atau proyek yang didanai bank dengan dana tabungan.
Upaya penanganan kredit macet multiguna Bank jatim kcp warungdowo: Efforts to handle multipurpose bad credit at Bank Jatim KCP Warungdowo Andini Widiyatul Aulia; Saiful Bakhri
Cashless : Journal of Sharia Finance and Banking Vol. 2 No. 1 (2024): 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.v2i01.392

Abstract

Bank mempunyai peranan penting dalam menggerakkan roda perekonomian masyarakat karena pelayanan dan pelayanan yang diberikan oleh bank bermanfaat bagi masyarakat saat ini. Bank Jatim KCP Warungdowo menawarkan layanan Kredit Multiguna. Kredit Multiguna Bank Jatim KCP Warungdowo melaksanakan pemberian kredit berdasarkan jaminan atau agunan atas segala kebutuhan nasabah sesuai ketentuan yang berlaku yang diberikan kepada masyarakat yang mempunyai penghasilan tetap seperti Pegawai Negeri Sipil (PNS), Calon Pegawai Negeri Sipil. (CPNS), Pegawai/Calon pegawai pada perusahaan daerah. Tujuan penelitian ini adalah untuk mengetahui upaya penanganan kredit macet multiguna dan faktor apa saja yang menghambat terjadinya kredit macet dengan menggunakan jenis penelitian dengan pendekatan deskriptif kualitatif. Penyebab kredit macet di Bank Jatim disebabkan karena debitur terlambat membayar angsuran pada tanggal jatuh tempo. Upaya penanganan kredit macet dilakukan. oleh Bank Jatim yaitu penjadwalan ulang dan klem asuransi.
Strategi Pemasaran Produk Tabungan Batara iB Dengan Akad Wadiah Pada Bank BTN Syariah KCPS Pasuruan Erisa Loviana; Saiful Bakhri
Cashless : Journal of Sharia Finance and Banking Vol. 2 No. 1 (2024): 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.v2i1.412

Abstract

This research is entitled marketing strategy for Batara iB Akad Wadiah savings products regarding customer interest in BTN Syariah bank. Strategy is a fundamental tool that is planned to achieve company goals by developing sustainable competitive advantages through the markets entered and marketing programs used to serve these target markets. In its activities, Bank BTN Syariah needs to market Batara iB products with the right strategy so that it can fulfill the wants and needs of the community or customers well. The formulation of the problem in this research is how the marketing strategy and constraints and efforts of the Batara iB Bank BTN Syariah Savings Product on Batara iB savings are to use the concept of promotional marketing strategies, namely individual or institutional promotional strategies, promotional strategies through the media, promotional strategies through financing and the obstacles faced in the form of competition from other products, lack of public understanding and trust regarding savings in Sharia Banks and lack of distribution in offices and machines. Apart from that, there are also efforts to overcome obstacles, namely, to prioritize savings products by providing an understanding of the benefits that savings have at the relevant banks, and also the provision of ATMs which should be more widely distributed to attract public interest.
Penerapan Akad Wadah pada Bank BTN Syariah: Penerapan Akad Wadah pada Bank BTN Syariah Dinna Intika Sari; Saiful Bakhri
Cashless : Journal of Sharia Finance and Banking Vol. 2 No. 1 (2024): 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.v2i1.413

Abstract

The implementation of the Wadiah contract in the sharia banking industry, especially at Bank BTN Syariah, is an effort to provide security to customers in saving and managing funds in accordance with sharia principles. The aim of this research is to determine the application of the wadiah contract to savings products at BTN Syariah bank. The method used is qualitative, by analyzing data obtained through interviews with bank staff and customers who use wadiah contracts. The conclusion of this research is that the implementation of the wadiah contract by Bank BTN Syariah is the main basis for maintaining customer trust and strengthening the bank's position in the sharia banking industry. In facing the challenges and dynamics that continue to develop, Bank BTN Syariah needs to continue to improve its ability to consistently apply this principle while continuing to provide services that are competitive and in accordance with Islamic law.Keywords: Bank BTN Syariah, wadiah contract, sharia principles, fund security, transparency, customer trust.
Strategi Karyawan Dalam Meningkatkan Minat Anggota Menabung Dibmt Maslahah Cabang Gondangwetan Pasuruan Mita Amelia Pratiwi; Saiful Bakhri; Ilham Wahyudi
Cashless : Journal of Sharia Finance and Banking Vol. 2 No. 1 (2024): 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.v2i1.415

Abstract

Baitul Maal wa Tamwil (BMT) Maslahah Gondang Wetan Pasuruan Branch is a financial institution that implements a system based on Islamic sharia. In our business activities, we apply the principle of profit sharing (nisbah) and not the principle of profit sharing (riba) to guarantee halal income. The goal of every company is to create satisfied customers. Satisfying and retaining customers requires the right service strategy. The aim is to provide customer service and satisfaction so that customers can find out the reasons why customers are interested in saving, namely the quality of service and the public's reaction to customer satisfaction at BMT Maslaha, Gondang Wetang Branch, Pasuruan Branch. I am positive about the presence of BMT Maslaha Gondan Wetang Branch Pasuruan Branch because the service provided by officers at BMT Maslaha Gondan Wetang Branch Pasuruan Branch is very good. This public recognition is mainly due to the performance of the employees of BMT Maslaha, Gondan Wetang Branch and Pasuruan Branch, all of whom are Islamic boarding school graduates and have positive attitudes among their 4,444 active members. Apart from that, BMT Maslaha, Gondangwetang and Pasuruan savings products are always available for urgent needs and profit sharing is carried out every month. The relatively easy process is also the reason members choose to save at the BMT Maslaha Gondang Wetang Branch, Pasuruan Branch. In this case the researcher uses case study research by directly investigating the research topic. Employees of the Pasuruan branch of BMT Maslaha Gondan Wetang are being tested here. The aim of this research approach is to identify employee strategies in increasing customers' interest in saving at the Pasuruan branch of BMT Maslaha Gondang Wetang.The researcher's data source is an important factor to consider when deciding on data collection methods. The data sources used in this research are primary data and secondary data
Analisis Dampak Penerapan IT Terhadap Proses Pembukaan Rekening Tabungan Di Bank Muamalat KCP Pasuruan Konita Mardia; Saiful Bakhri; Ilham Wahyudi
Cashless : Journal of Sharia Finance and Banking Vol. 2 No. 1 (2024): 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.v2i1.416

Abstract

Currently, it can be said that almost all banks in Indonesia have mobile banking applications to suit the lifestyle of their customers, including Bank Muamalat by launching a mobile banking application (Muamalat DIN). So in this research the researcher will discuss the impact of implementing IT (Mobile Banking) to find out what impacts it has had on customers and companies, where this research was carried out using qualitative methods, namely field research using primary and secondary data. The impact of implementing IT is very significant on the customer opening process, one of which is being able to provide direction or understanding to access various banking services at any time 24 hours a day and this also has a positive effect on the company
Aplikasi Pembiayaan Cicilan Emas pada PT Bank Syariah Indonesia Kantor Cabang Pasuruan Sudirman: Indonesia putri ageng23; Saiful Bakhri
Cashless : Journal of Sharia Finance and Banking Vol. 2 No. 2 (2024): 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.v2i2.592

Abstract

The Gold Installment Financing Application implemented by PT Bank Syariah Indonesia Pasuruan Branch Office is a breakthrough in Islamic banking that offers alternative financing for people who want to buy gold in installments using the murabahah principle. This application makes it easy for customers to choose the desired gold product and determine the installment duration according to their financial capabilities. This study aims to evaluate the extent to which this application makes it easier for people to invest in gold and its contribution in encouraging financial inclusion in Indonesia. This study examines the implementation of the gold installment financing program at PT Bank Syariah Indonesia Pasuruan Sudirman Branch Office. Using a qualitative descriptive research method, which aims to describe in depth the implementation process of the gold installment financing application. This approach was chosen to provide a more comprehensive understanding of the various aspects involved in the implementation of the application. This study analyzes how the gold installment program is implemented and its impact in increasing public access to sharia-based investment. The results of the study show that the gold installment program has succeeded in attracting customers from various circles, especially those who are looking for sharia-compliant investments but have limited initial funds. Its implementation is supported by effective marketing strategies and digital platforms, which have improved customer accessibility.
artikel Keuangan Berkelanjutan dan Integrasi ESG dalam Perbankan Syariah: Jalan Menuju Investasi Halal di 2024 : Jalan Menuju Investasi Halal 2024 Hamidah Wakid; Saiful Bakhri
Cashless : Journal of Sharia Finance and Banking Vol. 2 No. 2 (2024): 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.v2i2.596

Abstract

Sustainable finance has become a key focus in the development of the global financial sector. This concept integrates three main pillars: Environmental, Social, and Governance (ESG), in investment decisions and the operations of financial institutions. In the context of Islamic banking, the ESG concept can be applied by emphasizing Sharia principles that include justice, transparency, and positive social impact. This journal aims to analyze the implementation of ESG in Islamic banking and how it can contribute to the development of sustainable halal investments, as well as the challenges and opportunities in 2024. The research shows that integrating ESG in Islamic banking not only strengthens reputation and social value, but also paves the way for the development of more inclusive and environmentally friendly halal investment products.
Peran Pelatihan dan Sertifikasi dalam Meningkatkan Kompetensi SDM Perbankan Syariah: Indonesia Irvan Dian Budiarto
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.v1i1.598

Abstract

Islamic banking in Indonesia is growing rapidly in line with increasing public awareness of the sharia-based financial system and regulatory support from the government. However, this growth faces challenges in the availability of human resources (HR) who have competencies in accordance with sharia principles and modern banking practices. This study aims to analyze the role of training and certification in improving the competence of Islamic banking human resources. The method used is a literature study by examining various secondary sources, such as academic journals, industry reports, and Islamic banking regulations. The results of the study show that systematic training and certification programs can improve the understanding of the workforce of sharia principles, increase compliance with regulations, and strengthen the competitiveness of the sharia banking industry. In conclusion, investment in the training and certification of Islamic banking human resources is urgently needed to ensure the sustainability and credibility of the sector. Synergy between the government, banking institutions, and educational institutions needs to be strengthened to expand access to sharia-based human resource development programs. Keywords : Training, Certification, Competence, Human Resources and Sharia Banking
Manajemen Fraud di Bank Syariah: Studi Kualitatif tentang Pencegahan dan Penanganan Kecurangan: Indonesia Irvan Dian Budiarto
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.v1i2.599

Abstract

Islamic banking has experienced rapid growth in recent decades, but it still faces major challenges in preventing and handling fraud. Fraud not only threatens the financial stability of Islamic banks, but can also damage public trust in the sharia principles that are the basis for their operations. This study aims to analyze fraud management in Islamic banks with a qualitative approach, especially in prevention strategies and handling mechanisms. The results of the study show that fraud prevention strategies in Islamic banks involve strengthening the internal control system, sharia audits, and increasing the role of Sharia Compliance Officers and Internal Auditors. In addition, education and training for employees and customers is an important step in building an anti-fraud culture. In terms of handling fraud, Islamic banks must implement transparent and accurate investigations, as well as coordinate with the Financial Services Authority (OJK), Bank Indonesia (BI), and the Sharia Supervisory Board (DPS) to ensure compliance with sharia regulations and principles. This study emphasizes that the implementation of good corporate governance, strong internal control, and compliance with sharia principles are the main factors in preventing and handling fraud in Islamic banks. With a comprehensive strategy and based on Islamic values, Islamic banks can increase transparency, accountability, and public trust in the Islamic banking system. Keyword : Fraud Management, Sharia Banks, Fraud Prevention, Sharia Audit, Good Corporate Governance, Sharia Compliance

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