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Factors Influencing Public Interest in Using Sharia Financial Products: (Case Study of Ngroto Village, Gubug District, Grobogan Regency) Jihad Nurfebrianda; Puspa Ningrum, Nurani; Nadhifah, Tuti’
Indonesian Economic Review Vol. 6 No. 1 (2026): February : Indonesian Economic Review
Publisher : Cahaya Abadi Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53787/iconev.v6i1.95

Abstract

Research This aim For analyze factors that influence interest public in use product finance Sharia in the Village Ngroto, District Hut, Regency Grobogan. Development industry finance Sharia in Indonesia shows significant growth​ And contribute to inclusion finance, but participation public rural Still relatively low. Research This test influence religiosity, beliefs, and literacy finance sharia to interest community. The method used is approach quantitative with cross -sectional design on 70 selected respondents purposively. Data collected through questionnaire Likert scale and analyzed use multiple linear regression with level significance 0.05. Results​ study show that religiosity and literacy finance sharia influential positive significant to interest society, whereas trust influential negative significant. In terms of simultaneous, third variables influential significant with mark coefficient determination (R²) of 0.713, which means 71.3 % of the variation interest can explained by the research model. Findings This confirm that mark religious and understanding finance sharia own role dominant in increase participation public rural areas. Research This give contribution theoretical in study economy behavior sharia as well as implications practical for institution finance sharia in strengthening literacy programs and strategy promotion based community.
BUILDING HIGHER EDUCATION COMPETITIVE ADVANTAGE THROUGH JOB SATISFACTION, OPTIMIZING LOYALTY AND WORK ABILITY OF OPERATIONAL EMPLOYEES Sutris, Sutris; Ningrum, Nurani Puspa; Nadhifah, Tuti’
JURNAL PROFIT Vol 10, No 1 (2026): Economic And Investment
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v10i1.13768

Abstract

This study analyzes the influence of job satisfaction, loyalty, and work ability on employee performance at Muhammadiyah University of Kudus. The results show a positive influence between job satisfaction on employee performance at Muhammadiyah University of Kudus, this can be seen from the tvalue of 4.601 > ttable of 1.664 with a significance level below 5%. There is a positive influence between loyalty on employee performance at Muhammadiyah University of Kudus, this can be seen from the tvalue of 4.601 > ttable of 1.664 with a significance level below 5%. There is a positive influence between work ability on employee performance at Muhammadiyah University of Kudus, this can be seen from the tvalue of 4.601 > ttable of 1.664 with a significance level below 5%. And there is an influence of job satisfaction, loyalty, and work ability on employee performance at Muhammadiyah University of Kudus, which is proven to be significant, the Fvalue of 25.869 > Ftable of 3.91 with a significance level below 5%
ANALYSIS OF MODERN RETAIL "TRENMU MART" IN IMPROVING ECONOMIC INDEPENDENCE Syihab, Izzuddin; Ningrum, Nurani Puspa; Nadhifah, Tuti’
JURNAL PROFIT Vol 9, No 2 (2025): Economic And Financial Institutions
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i2.12570

Abstract

This study aims to analyze the role of the modern retailer Trenmu Mart in increasing the economic independence of the Muhammadiyah Kudus Islamic Boarding School. As Islamic educational institutions, Islamic boarding schools often face financial dependence on fluctuating Educational Development Contributions (SPP) and external aid, which impacts employee welfare and the implementation of student development programs. Efforts to create independent funding sources through business units were previously undertaken with the establishment of Mu Mart in 2016, but were unable to survive due to a lack of professional management and an unstrategic location. This experience led to the establishment of Trenmu Mart in 2025 as a new strategy to build the economic independence of Islamic boarding schools. This research employed a descriptive qualitative method, with data collection techniques including interviews, observation, and documentation. Data analysis was conducted through data reduction, presentation, and drawing conclusions, and its validity was tested using source and method triangulation. The research results show that Trenmu Mart has a positive impact on the economic independence of Islamic boarding schools. Sales have increased significantly every week since the start of operations, with profits used to improve employee welfare through incentives and allowances, and to support various student activities, such as providing learning resources, skills training, and religious programs. Furthermore, Trenmu Mart serves as a learning medium for entrepreneurship for students involved in store operations, providing real-world experience in Sharia-based business management practices. Trenmu Mart's presence also strengthens the relationship between Islamic boarding schools and the surrounding community, which also benefits economically through easy and affordable shopping access. The research conclusion confirms that Trenmu Mart serves not only as a commercial entity but also as a social, educational, and da'wah instrument. Its management concept aligns with the principles of social entrepreneurship in Islamic economics and reflects the application of the maqashid sharia principles in economic activities. With professional management and support from all elements of the Islamic boarding school, Trenmu Mart has long-term prospects as a model of Islamic boarding school economic independence that can be replicated in other Islamic educational institutions in Indonesia