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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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Articles 26 Documents
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Search results for , issue "Vol 9, No 1 (2025): Economic And Development" : 26 Documents clear
ANALYSIS OF REGIONAL FINANCIAL MANAGEMENT AND MINIMUM WAGES ON INCOME DISTRIBUTION INEQUALITY IN EAST JAVA Vena Tri Pramita; Kiky Asmara; Fauzatul Laily Nisa
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i1.12457

Abstract

Economic development is a transformation process aimed at improving public welfare, but it often creates income distribution inequality that becomes a major challenge for both developed and developing countries. Regional financial management that applies the value for money concept can drive economic growth, thereby enhancing public welfare. Therefore, each region strives to achieve quality and equitably distributed economic development to address various existing socio-economic problems.This study aims to analyze terrelationship between fiscal decentralization as the degree of fiscal decentralization, Gros Regional Domestic Product (GRDP) at constant prices based on business fields, and minimum wages on income disteution inequality in East Java Province for the period 2009-2023. Time series data were obtained from the Central Statistics Agency and the Directorate General of Fiscal Balance, then analyzed using multiple linear regression method with the assistance of EViews version 12 software. The research results show that collectively, the vertables of fiscal decentralization, GRDP at constant prices based on business fields, and minimum wages significantly influence incomelistribution inequality. However, when examined partially, figgl decentralization has a positive and non-significant effect, GRDP constant prices has a positive and significant effect, while minimum wages have a positive and non-significant effect on income distribution inequality in East Java Province 
THE INFLUENCE OF BRANCHLESS BANKING AGENT MARKETING STRATEGY ON CUSTOMER INTEREST THROUGH SERVICE QUALITY Akhmad Helmie Aditya; Joko Utomo; Supriyono Supriyono
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i1.12509

Abstract

This study analyzes the influence of agent marketing strategiesbranchless banking on customer interest through the service quality of PT. Bank Mandiri (Persero) Tbk Area Kudus. The results show the influence of agent marketing strategies.branchless banking on the interest of customers of PT. Bank Mandiri (Persero) Tbk vKudus, this is proven by the t valuecount amounting to 3,192 > ttableof 1.655 with a significance level below 5%. The influence of the agent's marketing strategybranchless banking regarding the quality of service of PT. Bank Mandiri (Persero) Tbk Area Kudus, this is proven by the t valuecount amounting to 2,824 > ttableof 1.655 with a significance level below 5%. The influence of customer interest on the service quality of PT. Bank Mandiri (Persero) Tbk in the Area Kudus is proven by the t-valuecount amounting to 1,819 > ttableof 1.655 with a significance level below 5%. The influence of the agent's marketing strategybranchless bankingtowards customer interest through the quality of service of PT. Bank Mandiri (Persero) Tbk Area Kudus, this is proven by the F valuecount > Ftable.This can be seen from the F value.count of 8.227 > Ftableof 3.91 with a significance level below 5%
THE EFFECT OF LOAN ACCESSIBILITY AND FINANCIAL PLANNING ON ONLINE LOAN CONSUMER BEHAVIOR Afrian Andika Yumna; Nur Ahmadi Bi Rahmani; Nursantri Yanti
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i1.12628

Abstract

The purpose of this study is to ascertain how State Islamic University of North Sumatra (UINSU) Faculty of Economics and Islamic Business (FEBI) students use online loan services in connection to loan accessibility and financial planning. The background of this study is the rise in student use of online loan services, which are typically used to finance lifestyle needs rather than necessities. Through purposive sampling, 100 students were chosen to take part in the survey for this associative quantitative study. SPSS version 25 and multiple linear regression were used for data analysis. Purposive sampling was used to select 100 students for this study, which employs an associative approach and survey method. A p-value of 0.000 and a regression coefficient of 0.638 demonstrate that loan accessibility has a significant and positive impact on consumer behavior.  A regression coefficient of 0.438 and a p-value of 0.000 show that financial planning has a significant and advantageous effect.  Both variables have a significant impact on consumer behavior, as evidenced by the significance value of 0.000 and the F-count value of 93.419 (which is higher than the F-table value of 3.09), respectively.  With a coefficient of determination (R2) of 0.658, financial planning and loan accessibility account for 65.8% of the variation in student consumption patterns.  The remaining 34.2% are affected by factors that are not part of the research model
IMPLEMENTATION OF A WAREHOUSE MANAGEMENT SYSTEM (WMS) TO IMPROVE OPERATIONAL EFFICIENCY Sri Gusti Rezeki; Rahmi Syahriza; Nurbaiti Nurbaiti
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i1.12668

Abstract

This study aims to analyze the implementation of Genesis, Lion Parcel's internal Warehouse Management System (WMS), in enhancing operational efficiency at the Gunung Krakatau Branch in Medan. The research method used is descriptive qualitative with a case study approach. Data was obtained through direct observation, semi-structured interviews with warehouse and operations staff, as well as internal company documentation. The research findings indicate that the implementation of Genesis has had a positive impact on several efficiency indicators, including faster sorting processes, improved stock recording accuracy, reduced human error, real-time data access, and enhanced operational reporting quality. The system has also contributed to a significant decrease in customer complaints. However, the implementation of Genesis also faces several challenges, such as human resource adaptation to new technology, reliance on internet connectivity, and the need for updated standard operating procedures (SOPs). Overall, the Genesis system holds great potential to be further developed as part of Lion Parcel's digital transformation in logistics management. Its implementation not only improves operational efficiency at the branch level but can also serve as a strategic digitalization model to be widely applied throughout the company’s distribution network.
ANALYSIS OF INSTITUTIONAL REFORM OF THE INDONESIAN WAQF BOARD (BWI) AND PROBLEMS OF NATIONAL WAQF GOVERNANCE Nurul Aulia Dewi; Tetty Handayani Siregar; Yenni Samri Juliati Nasution; Marliyah Marliyah
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i1.13038

Abstract

This study aims to analyze the institutional challenges and direction of reform within the Indonesian Waqf Board (BWI) in managing national waqf. Although Indonesia has enormous waqf potential, with over 414,000 hectares of waqf land and approximately 420,000 nazhirs (Islamic trustees), the reality is that only about 10% of these assets have been managed productively. This study uses a qualitative approach with library research through analysis of academic literature, policy documents, and official reports from related institutions. The results indicate that the main problems lie in weak coordination between the central and regional BWI, limited human resource capacity, a lack of transparency and accountability, and low literacy and public trust in waqf management institutions. Furthermore, the implementation of waqf regulations has not been optimal due to lengthy bureaucracy and the absence of regulations that adapt to contemporary waqf innovations such as digital waqf and stock waqf. Comparisons with Malaysia and Turkey demonstrate that the success of productive waqf management is largely determined by institutional professionalism, strong regulatory support, and the integration of public policy with technology and the Islamic financial sector. Therefore, BWI institutional reform needs to focus on professionalizing nazhir (managers), digitizing the national waqf management system, and developing fiscal policies that encourage productive waqf innovation. These reforms are expected to strengthen transparent, accountable, and globally competitive national waqf governance to achieve the welfare of the community in accordance with the principles of maqāṣid al-syarī‘ah (the main objectives of Islamic law)
ENHANCING LOCAL INNOVATION : THE ROLE OF MSMES IN BUILDING GLOBAL ECONOMIC RESILIENCE Abdul Hafid; Rafiuddin Rafiuddin; Dinah Husniah
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i1.11186

Abstract

This study aims to examine the role of Micro, Small, and Medium Enterprises (MSMEs) in improving the local economy in Madawau Village, Madapangga District, Bima Regency. MSMEs are one of the sectors that have a major contribution to national and local economic growth, especially in creating jobs, increasing community income, and encouraging village economic independence. The research approach used is qualitative with a phenomenological design, through in-depth interviews and observations of MSME actors and the local community. The results of the study show that MSMEs in Madawau Village are able to increase community income by 20-30% per year, create jobs, and encourage innovation and creativity in the village community. However, the development of MSMEs in this village still faces challenges both internally, such as limited capital, skills, and business management, and externally, such as market competition and access to financing. Therefore, support is needed from the government, financial institutions, and community participation in strengthening the MSME ecosystem so that it can become a driving force for a sustainable local economy. 

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