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Cashless : Journal of Sharia Finance and Banking
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jurnalcashless@unupasuruan.ac.id
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jurnalcashless@unupasuruan.ac.id
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Jl. P.B Sudirman, Denpasar, Bali 80114, Indonesia
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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
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Pengaruh Content Marketing dan Influencer Marketing Terhadap Purchase Decision pada E-Commerce Shopee di Kabupaten Pasuruan Nur ‘Aini Salsabila
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.v3i2.1164

Abstract

This study aims to analyze the influence of Content Marketing and Influencer Marketing on Purchase Decisions among Shopee e-commerce users in Pasuruan Regency. This study employs an quantitative associative approach, with data collected through questionnaires distributed to 100 active Shopee users in Pasuruan Regency, selected using purposive sampling. The data analysis technique used was multiple linear regression assisted by SPSS version 30. The results show that Content Marketing has a significant partial effect on Purchase Decisions, as does Influencer Marketing. Simultaneously, both variables have a significant influence on Purchase Decisions. These findings indicate that the use of relevant marketing content and collaboration with credible influencers can enhance consumer purchasing decisions.
Implementasi Carbon Offsetting Melalui Aplikasi Ecoset Sebagai Inovasi Akuntan Muda Dalam Pemenuhan Corporate Social Responsibility Perusahaan Menuju Indonesia Emas 2045 Alfiatur Rohma; Saila Izza Syarifah; Hilda Tri Rachmawati
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.v3i2.1165

Abstract

Dalam beberapa tahun terakhir, permasalahan lingkungan telah menarik perhatian dunia termasuk Indonesia. Adanya Pemanasan global (Global Warming) yang disebabkan oleh aktivitas manusia melalui perkembangan ekonomi dan industri di Indonesia. Emisi karbon dioksida yang disebabkan oleh perusahaan menyebabkan perubahan ikilim dan berdampak buruk terhadap lingkungan. Berdasarkan data IPCC (Intergoverment Panel on Climate Change) Sixth Assessment Report nenunjukkan bahwa sektor ketenagalistrikan, transportasi, dan industri menjadi penyumbang utama emisi karbon di Indonesia. Kesadaran konsekuensi ini semakin memperkuat bahwa perusahaan harus memainkan peran dalam menjaga keberlanjutan lingkungan untuk mencapai kesejahteraan bersama. Hal ini sesuai dengan tujuan yang disampaikan oleh Direktur Jenderal Pengendalian Perubahan Iklim Kementerian Lingkungan Hidup dan Kehutanan yakni Laksmi Dhewanthi bahwa “Untuk mencapai visi Indonesia emas 2045, diperlukan pondasi yang kuat dalam perlindungan lingkungan dan iklim”. Dalam upaya menghadapi tantangan ini, pemerintah telah mengatur Corporate Social Responsibility (CSR) melalui UU No 40 Tahun 2007, memaksa perusahaan untuk bertanggung jawab terhadap dampak positif dan negatif dari operasional mereka. Carbon Offsetting merupakan salah satu langkah dalam pemenuhan Corporate Social Responsibility perusahaan dengan cara mengkompensasi karbon yang dihasilkan dengan proyek kompensasi. ECOset diharapkan mampu menjdai sarana optimalisasi peran akuntan muda melalui implementasi carbon offsetting pada perusahaan sebagai upaya pemenuhan Corporate Social Responsibility (CSR) menuju Indonesia Emas 2045. Penelitian ini menggunakan metode studi literatur dan deskripsi kualitatif yang bertujuan untuk mengetahui implementasi Carbon Offsetting sebagai upaya pemenuhan CSR perusahaan dan penerapan aplikasi ECOset sebagai inovasi akuntan muda dalam pengurangan emisi karbon menuju Indonesia Emas 2045
Manajemen Risiko dalam Hukum Nifta Lestari; Nabilah
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.v3i2.1166

Abstract

Risk management is a crucial element in the continuity of a company's business amidst increasing complexity and uncertainty. This research uses qualitative literature study methods to analyze the importance of implementing risk management, especially legal aspects, in protecting companies from potential losses due to lawsuits and regulatory violations. By identifying and analyzing legal risks, companies can formulate effective mitigation strategies, such as developing internal policies and employee training. However, challenges such as regulatory complexity and implementation costs often hinder companies, especially small and medium-sized businesses. The use of information technology in risk management and support from top leadership is expected to increase effectiveness and legal awareness in the organization. The research results show that implementing systematic legal risk management not only prevents problems, but also strengthens a company's reputation and increases stakeholder trust.
Evaluasi Pelayanan Perbankan Syariah Di Era Digitalisasi Studi Kasus Bank Jatim Syariah Cabang Pasuruan Maulidia, Nia; Martha Triyani, Sagita; Maulana, Irham
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 Hasanudin, Sultan; Firdaus, Salsabila; Khoirunjannah, Dita
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; Bakhri, Saiful; Wahyudi, Ilham
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 Faizun, Dikril; Bakhri, Saiful; Hasanudin, Sultan
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 Sukria, Wakhidatus; Aziizah Syafitri , Andriati; Khoiriyah , Naylatul
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; Bakhri, Saiful; 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.

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