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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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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 Salsabila , Nur ‘Aini
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 Rohma, Alfiatur; Izza Syarifah, Saila; Tri Rachmawati, Hilda
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 Lestari , Nifta; 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.v3i1.1166

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.
Inklusi Keuangan Syariah di Era Digital antara Peluang dan Tantangan Islamic Social Finance dalam Menjangkau Masyarakat Unbankable Muchammad Iqbal Fatah, Muchammad Iqbal Fatah
Cashless : Journal of Sharia Finance and Banking Vol. 4 No. 1 (2026): 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.v4i1.1286

Abstract

Financial inclusion is a strategic agenda in national economic development, particularly in efforts to reach groups of people who have been excluded from formal banking services (the unbankable). Islamic Social Finance (ISF), which encompasses zakat, infaq, sedekah, and productive waqf (ZISWAF) instruments, has great potential as an inclusive alternative based on Islamic values. In the digital era, technological transformation through sharia fintech, digital waqf platforms, and app-based financial services opens up opportunities for expanding ISF's reach more broadly and efficiently. However, various structural challenges such as low digital literacy, infrastructure gaps, and a suboptimal regulatory framework remain significant obstacles. This study uses a qualitative approach with library research methods to examine the opportunities and challenges of digital ISF in promoting sharia financial inclusion for the unbankable community. The results indicate that the synergy between digital technology and ISF instruments has the potential to become a significant inclusive solution, provided there is strengthening literacy, improving regulations, and collaboration across stakeholders.

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