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Cashless : Journal of Sharia Finance and Banking
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jurnalcashless@unupasuruan.ac.id
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+6285103770590
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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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Analisis Teologis Dan Implementasi Konsep Produksi Dalam Perspektif Al-Qur'an Dan Hadits Arifia, Kharina; Laila , Nur
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.v2i2.1130

Abstract

Produksi merupakan pilar utama dalam aktivitas ekonomi yang bertujuan untuk menciptakan kemaslahatan bagi umat manusia. Dalam perspektif Islam, produksi tidak hanya sekadar transformasi input menjadi output demi keuntungan materi, tetapi juga terikat pada nilai-nilai ketuhanan dan etika syariah. Artikel ini bertujuan untuk mengeksplorasi ayat-ayat Al-Qur'an dan Hadits yang mendasari aktivitas produksi serta menganalisis prinsip-prinsip yang harus dipegang oleh produsen Muslim. Melalui pendekatan kualitatif deskriptif, ditemukan bahwa produksi dalam Islam berorientasi pada pemenuhan kebutuhan (maqasid syariah), pelestarian alam, dan distribusi keadilan. Hasil kajian ini menegaskan bahwa setiap aktivitas produksi bernilai ibadah jika dilakukan dalam koridor halal dan menjauhi praktik eksploitasi.
Arsitektur Sistem Informasi Perbankan Syariah Firdaus, Salsabila; Najwa Fillah, Salsa Lailatun
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.v2i2.1131

Abstract

This paper examines information system architecture in the context of Islamic banking which has a unique need to comply with sharia principles. Relevant information system architecture in Islamic banking includes a comparison between centralized and distributed architecture, integration between systems such as core banking, mobile banking, and ATM, a service-oriented architecture (SOA) approach, and the application of cloud computing. Each architecture presents challenges and opportunities in implementing sharia-compliant information systems, especially in terms of data security, flexibility and cost efficiency. This article aims to provide insight into how various architectural models can support Islamic banking to achieve operational efficiency while maintaining compliance with sharia principles
Konsep dan Orientasi Bisnis dalam Perspektif Islam Arifia, Kharina; Kameliyah , Nabila
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.v2i2.1132

Abstract

Bisnis dalam perspektif Islam merupakan aktivitas muamalah yang terikat erat dengan aturan syariat, bukan sekadar instrumen pencarian profit semata. Artikel ini mengeksplorasi pengertian, orientasi, serta landasan hukum bisnis dalam Islam melalui pendekatan kualitatif deskriptif. Hasil kajian menunjukkan bahwa orientasi bisnis Islam mencakup empat target utama: profit materi dan benefit non-materi, pertumbuhan, keberlangsungan, dan keberkahan. Bisnis yang Islami harus berlandaskan pada Al-Qur'an, Hadis, Ijma, dan Ijtihad/Qiyas untuk memastikan setiap aktivitasnya bernilai ibadah dan mendatangkan rida Allah SWT.
Strategi Dan Urgensi Perencanaan Bisnis Dalam Pengembangan Usaha Mikro, Kecil, Dan Menengah (UMKM) Maghfiroh, Zida; Arifia, Kharina
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.v3i1.1133

Abstract

Business planning is a crucial foundation for business sustainability amidst competitive market dynamics. This article aims to analyze the key components of business planning, including marketing, operations, risk management, and financial projections. Using a descriptive qualitative approach, this study evaluates the role of SWOT analysis and business feasibility parameters such as the Break Even Point (BEP) in minimizing business failure. The study results indicate that integrated planning facilitates operational oversight, optimizes capital allocation, and assists entrepreneurs in strategic decision-making. A strong business plan has proven to be a roadmap for sustainable business growth.
Penyelesaian Wanprestasi dalam Perjanjian Pembiayaan Syariah Firdaus, Salsabila; Maghfiroh, Rizalatul
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.v3i1.1156

Abstract

This article aims to analyze the mechanisms for resolving defaults in Islamic financing agreements within Islamic financial institutions, highlighting the alignment of these practices with Sharia principles, particularly justice and the avoidance of usury, and identifying challenges and solutions to enhance their effectiveness. A thorough theoretical review of the concept of default in Islamic law, the principles of Islamic finance, and resolution mechanisms forms the basis of the analysis. The findings of the discussion indicate that Islamic financial institutions generally prioritize deliberation, restructuring, and mediation before resorting to arbitration or litigation. Ensuring the alignment of practices with Sharia principles requires strict oversight and consistent interpretation. Challenges such as differing understandings of Sharia principles and customer financial literacy can be addressed through regulatory standardization, education, strengthening the Sharia Supervisory Board, and leveraging technology. This article concludes that the resolution of defaults in Islamic financing should be based on justice and deliberation, with sanctions aimed at maintaining a balance of rights and obligations without involving usury, for the sustainability of a sound and equitable Islamic financial industry.
The Nature Of Strategic Management Boegiyati, Dessy; Wulandari , Yunita Tri; Fairoby, Mukhammad Saam Nabil
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.v3i2.1157

Abstract

Strategic management is a systematic and structured process that enables organizations to formulate, implement, and evaluate strategies to achieve long-term objectives in a dynamic business environment. This literature review examines the nature of strategic management, including its definition, key characteristics, implementation stages, and importance for organizational success. The study employs a qualitative approach through comprehensive literature analysis from academic sources, journals, and case studies. Findings indicate that strategic management comprises three main stages: strategy formulation, strategy implementation, and strategy evaluation and control. Key characteristics include long-term focus, holistic approach, dynamic adaptability, and competitive advantage orientation. The research demonstrates that strategic management is crucial for organizations to achieve competitive advantage, adapt to environmental changes, optimize resource allocation, enhance organizational coordination, improve financial performance, manage risks, and foster innovation and sustainable growth. Organizations implementing strategic management consistently show better financial performance than those without systematic strategic planning. These insights highlight strategic management as an essential investment for organizational success and sustainability in today's competitive business landscape.
Faktor-Faktor Yang Mempengaruhi Profitabilitas Bank Syariah Di Indonesia : Model Regresi Linear Firdaus, Salsabila; Khoirunjannah, Dita; Mariyatul Qibtiyah, Nanda
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.v3i1.1160

Abstract

Operational risk is closely related to various issues arising from process weaknesses. This risk significantly impacts both the financial and non-financial aspects of Islamic banking profitability. This study employs a quantitative approach with multiple regression analysis to explore the effects of Capital Adequacy Ratio (CAR), Third-Party Funds (DPK), and Financing to Deposit Ratio (FDR) on Return on Assets (ROA) in Indonesian Islamic banks. The analysis reveals that CAR has a positive and significant impact on ROA, with a beta coefficient of 1.130 and a significance value of 0.007. Conversely, DPK and FDR exhibit no significant effects on ROA. These findings highlight the critical role of capital management in supporting the profitability of Islamic banks.
Rekonstruksi Pengelolaan Zakat atas Hasil Tambang (Ma’din) dan Barang Temuan (Rikaz) dalam Perspektif Fiqih Kontemporer Umami, Risa; Qudsiyah, Inayatul
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

Abstract

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.
Analisis Implementasi Dan Jenis-Jenis Akad Tabarru' Dalam Transaksi Keuangan Syariah: Analisis Implementasi Dan Jenis-Jenis Akad Tabarru' Dalam Transaksi Keuangan Syariah Wahyudi, Ilham; Nafisah, Wardatun
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.v3i2.1162

Abstract

The tabarru' contract is an important instrument in the Islamic economic system, which is based on the principles of mutual assistance and brotherhood. Unlike the tijari contract, which is oriented toward commercial profit, the tabarru' contract aims solely to seek the pleasure of Allah SWT and to help others. This article aims to describe the definition, classification, and urgency of various types of tabarru' contracts through a descriptive qualitative approach. The study results show that tabarru' contracts are divided into several main categories, such as loans, services, and grants, all of which function as social buffers in the Islamic financial system. A deep understanding of these contracts is essential for Islamic banking practitioners to create a humanistic economic ecosystem.
PERAN MANAJEMEN DALAM MENINGKATKAN KINERJA LEMBAGA KEUANGAN Wafie, Sholeh; Umami, Risa; Sari, Yetma
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

Abstract

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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