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INDONESIA
Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah
Published by Universitas Nurul Jadid
ISSN : 26854309     EISSN : 26854309     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
The journal publishes articles of interest to Islamic economics and banking practitioners, economic policy makers, and researchers. This journal encompasses research articles, original research report, reviews in Islamic economics and banking studies in any fields including; economics, finance, accounting, public policy, management studies and Islamic banking studies and present developments through the publication of articles, research reports.
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Search results for , issue "Vol 4, No 1 (2020): Economic Management" : 5 Documents clear
DISTRIBUSI ZAKAT UNTUK KESEJAHTERAAN: STUDI PADA LAZ YATIM MANDIRI SURABAYA Moch. Irfansyah; Moh. Romdlon Izzul Haq; Ziyanatun Nafisah; Erinda Kusuma Dayanti; Lilik Rahmawati
JURNAL PROFIT Vol 4, No 1 (2020): Economic Management
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v4i1.1218

Abstract

Zakat is a worship required by Allah SWT for every Muslim and zakat is included in the third pillar of Islam which is paying zakat. There is two kinds of zakat namely zakat soul (zakat fitrah) and zakat treasure (zakat maal). This study aims to find out how the management of zakat is carried out by one of the national amil zakat institutions, namely yatim mandiri in Surabaya. This research uses a qualitative method by observing one of the national amil zakat institutions (yatim mandiri). In this study, we researching how zakat management starts from how to get zakat funds then distributing zakat funds to the community, financial management with in the zakat institution, then the programs owned by the amil zakat institutions to the management of all zakat funds so that can make people who are less fortunate.
PENGARUH PELAYANAN PRIMA TERHADAP KEPUASAN NASABAH (STUDI KASUS DI PT. BANK JATIM CAPEM MARON PROBOLINGGO) Deddy Junaedi
JURNAL PROFIT Vol 4, No 1 (2020): Economic Management
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v4i1.858

Abstract

This research is explanatory. The purpose of this study is (1) To analyze and determine the effect of service attitude aspects on customer satisfaction; (2) To analyze and determine the effect of service aspects Attention to customer satisfaction; (3) To analyze and determine the effect of service aspects of the Actions on customer satisfaction. The population in this study are customers who conduct financial transactions at Bank Jatim Capem Maron Probolinggo. Sampling at the time of the study using the method of accidental sampling took samples of anyone who was there or happened to be found when filling out the questionnaire. The results of this study are (1) Attitude has a significant and negative influence on Customer Satisfaction; (2) Attention has a significant and positive influence on Customer Satisfaction; (3) Action is the most dominant variable.
PERSEPSI KIAI DAN TOKOH NAHDHATUL ULAMA TERHADAP AKAD DAN PRODUK AL-QARDH AL-HASAN, RAHN DAN HADIAH DI KOPERASI SIMPAN PINJAM PEMBIAYAAN SYARI’AH BAITUL MAL WA TAMWIL (KSPPS BMT NU) JAWA TIMUR DI GAPURA SUMENEP Ainol Yaqin
JURNAL PROFIT Vol 4, No 1 (2020): Economic Management
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v4i1.866

Abstract

ABSTRAKAkad dan Produk al-Qardh al-Hasan, Rahn dan Hadiah di Koperasi Simpan Pinjam Pembiayaan Syariah Baitul Mal Wa Tamwil Nahdhatul Ulama (KSPPS BMT NU) Jawa Timur di Gapura Sumenep dipersepsikan berbeda oleh kiai dan tokoh NU Gapura Sumenep. Penelitian ini bertujuan untuk menjelaskan (1) bagaimana persepsi kiai dan tokoh NU Gapura Sumenep terhadap akad dan produk al-Qardh al-Hasan, Rahn dan Hadiah di KSPPS BMT NU Jawa Timur di Gapura Sumenep, (2) apa dampak persepsi kiai dan tokoh NU Gapura Sumenep terhadap eksistensi dan perkembangan KSPPS BMT NU, dan (3) bagaimana KSPPS BMT NU menghadapi persepsi kiai dan tokoh NU terhadap hukum akad dan produk tersebut. Penelitian ini menggunakan pendekatan kualitatif jenis penelitian lapangan (field research). Sedangkan teknik penggalian data meliputi (1) pengamatan atau observasi, (2) wawancara dengan mencari informasi dan keterangan, dan (3) dokumentasi sebagai bukti adanya penelitian. Dari beberapa masalah di atas, hasil penelitian ini menyimpulkan bahwa (1) persepsi kiai dan tokoh Nahdhatul Ulama’ Gapura Sumenep terhadap akad dan produk al-Qardh al-Hasan, Rahn dan Hadiah di KSPPS BMT NU Jawa Timur di Gapura Sumenep ialah kiai dan tokoh yang memperbolehkan karena jelas dalil dan referensinya, sedangkan yang tidak memperbolehkan membawa kepada ranah tasawuf disebabkan kehati-hatian atau khawatir terjerumus pada syubhât bahkan haram, (2) dampak perbedaan persepsi kiai dan tokoh NU terhadap akad dan produk ialah menjadikan sebagian masyarakat tidak mengikuti transaksi di KSPPS BMT NU berdasarkan kiai dan tokoh yang diyakini kebenaran pendapatnya, dan (3) KSSPS BMT NU Jawa Timur mempunyai panduan hukum yang menyatakan bahwa semua akad dan produk di KSPPS BMT NU boleh dan halal untuk diaplikasikan serta dijalankan sesuai sistem syariah.Kata Kunci : Kiai, NU, KSPPS BMT NU      
KOLABORASI LEMBAGA KEUANGAN, PEMERINTAH DAN PERUSAHAAN DALAM MENINGKATKAN PERAN KOPERASI KARYAWAN INDUSTRI SEBAGAI ALTERNATIF SOLUSI DALAM PEMBANGUNAN SEKTOR EKONOMI INDONESIA Endah Robiatul Adawiyah
JURNAL PROFIT Vol 4, No 1 (2020): Economic Management
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v4i1.911

Abstract

The role of cooperative and MSMEs in economic growth are very important. In 1998, Indonesia experienced economic  crisis, the cooperative business units and MSMEs were relatively stable and able to survive compared to the large companies. According to date from the ministry of cooperatives and UMKM, in 2019 the number of cooperatives will be 126,343 units, although this number has decreased from 2014, which was 212,570 units. Seeing this certainly becomes a big hope  or opportunity for  Indonesia economic growth, however in general the development of cooperatives, still experiences various obstacles, especially in terms of capital and accessing capital sources. In Act no.3 of 2004, Bank Indonesian Bank policy in assisting the development of small and medium-sized businesses and cooperatives , is more about  technical assistance and institutional development. The task of managing credit has been transferred to SOEs including BRI, Bank BTN and PT. Nastional Capital Madani (PNM) banks.The optimization of the role of SOEs in the development of Indonesian cooperatives is indicated to be not optimal, especially in capital finance working, in this study, the writer will focus more on the cooperative of employees in an industrial company, which is still less touched by the stakeholders until now on. (One employee cooperative of PT.Tirta  Investma (AQUA), Tirta Bangun Karya Cooperative, Subang Regency, West java, the research approach is  based on the basic  assumptions of social science,  which will be conducted by the way of researchers’ analyzing of phenomenon or reality, analized by using SWOT analysis. This study aims to Provide an  overview of the business cooperatives opportunities, especially cooperative  employees of an industry, explaining  the involvement and mengagement of stakeholders in develoving and finacing the role of industrial employee cooperatives as the main business partners of companies that shelter, For Describing  the government framework in providing the recommendations to  stakeholders in  cevelopment programs is to support government programs in priority economic fields.From the research conducted, it can be concluded that : Government policies relatied to the development of  industrial cooperatives, namely : in general, government policies in developing cooperative, as such  they are independent and  have been realized ate not only carried out by one or two ministry institutions but by various  institutions, such as the ministry of cooperatives and MSMEs, ministries industry,  ministry of trade, and BAPENAS, Bank of  Indonesia, BUMN and Non Bank Finacial Institutions. Various from of support are given to  cooperatives such as guidance, assistance and financing. Related to this the government always tries to  facilitate cooperatives to have  access to finance  from financial institutions or banks and non banks. These facilities include subsidized banking credit, guarantees of non-bank institutions, financing from SEO profit allowance, grants and others.Company policy in developing employee cooperatives, namely: The company is a partner in running the company’s business wheels meaning that all efforts of the company to run the business always involve cooperatives, of course, this must be bound in the MoU between the company and the cooperative both in writing. The Members of the  cooperative are employees of the company  in which the cooperative belongs. A PKB ( Collective Labor Agreement) was made  between the union and company management  which one of the contents of the collective Labor Agreement  is cooperative. In the contents of the Collective Labor Agreement, there are  no cooperative there are no specific regulations regarding the involvement of cooperetives as Company’s  partners.Banking policy in developing cooperatives, the model link program between banks and cooperative,  has been running using the scheme of executing , channeling and joint finance. It is necessary to develop a model  for developing the  distribution of funds to cooperatives, in which  to support the cooperative business with cooperative is part of the company vendor/ supplier. Banking policies in terms of cooperative business funding need to be developed  softer, because in general, the employee cooperative do not  have variable or large assets yet. In which  this has always been a requirement of a bank in funding cooperative. A collaboration has been conducted between  bank and cooperative in  terms of  financing  cooperative  members  though an exceceuting system. There is no easy access to financial  cooperative businesses  father than the  employee of  finance itself.There needs a synergy  between the Government- financing Institutions and cooperative companies   to put coopretives  as a supporter of the Indonesian economiy, as such the recommendations for  the  central government though the relevant ministries are signed, they should be able to pay  more attenstion  on cooperative for  industrial employee. By issuing the relevant  regulations or laws with pathnerships, between employee cooperative and company management, the local government should have the  courage to issue a regulation relating partnerships between employee cooperatives and companies through related agencies, companies must create policies  towards the  employee cooperative  as the main business partners of companies and  financial institutions, especially banks  must play a more active  roles in communication, outreach, guidance and the realizing  channeling funds to  improve cooperative business units  through soft funding and policies that can facilitate cooperative In obtaining funding and financial institutions must be able to run government program in terms of funding  the cooperatives of industrial employee.
PENGARUH CASH FLOW, UKURAN PERUSAHAAN DAN KINERJA KEUANGAN TERHADAP KEBIJAKAN DIVIDEN PADA PERUSAHAAN INFRASTRUKTUR DI INDONESIA Hestin Nurfatma; Purwohandoko Purwohandoko
JURNAL PROFIT Vol 4, No 1 (2020): Economic Management
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v4i1.1079

Abstract

Penelitian ini dilakukan dengan tujuan untuk mengetahui pengaruh arus kas bebas, profitabilitas, likuiditas, ukuran perusahaan dan leverage terhadap kebijakan dividen (Dividend Payout Ratio). Jenis penelitian ini adalah penelitian kausal dan menggunakan data kuantitatif yang diperoleh dengan metode purposive sampling, berdasarkan kriteria yang ditetapkan sehingga 15 perusahaan Infrastruktur dapat diperoleh sesuai dengan kriteria. Teknik analisis data yang digunakan adalah regresi linier berganda. Hasil penelitian menemukan bahwa arus kas bebas, leverage, dan likuiditas tidak berpengaruh pada kebijakan dividen. Pengaruh. Profitabilitas memiliki pengaruh negatif pada kebijakan dividen karena cenderung menahan laba perusahaan sebagai laba ditahan. Ukuran perusahaan berpengaruh negatif pada kebijakan dividen karena alokasi laba bersih cenderung digunakan untuk investasi daripada didistribusikan dalam bentuk dividen.

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