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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.
Arjuna Subject : -
Articles 149 Documents
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EXPERIENCE-BASED STRATEGIC PLANNING BY OWNERS OF SMALL AND MEDIUM ENTERPRISES PRODUCING DOLPHIN CASSAVA CHIPS Wisma Miftahur Rozi; Sudarmiatin Sudarmiatin; Puji Handayati; Naswan Suharsono
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.v9i2.13585

Abstract

Strategic planning is an important element for the sustainability of Micro, Small, and Medium Enterprises (MSMEs) in facing competition and market dynamics. This study aims to analyze the strategic planning process at Lumba-Lumba Cassava Chips MSME in Malang, which operates in the highly competitive snack food industry. The approach used is descriptive qualitative through case study method, with data collection techniques in the form of in-depth interviews, observation of production and marketing processes, and documentati . Data analysis was conducted using the Miles and Huberman model through the stages of data reduction, data presentation, and conclusion drawing. The results of the study indicate that strategic planning in this SME is carried out informally and based on the owner's experience, but it covers the main components of strategic planning, namely situation analysis, strategy formulation, implementation, and evaluation. The strategies are aimed at improving product quality, stabilizing raw material supplies, and expanding the marketing network through souvenir shops. However, product innovation, digital marketing, and strategy documentation are still not optimal. Strategy evaluation is also carried out intuitively without measurable performance indicators. This study concludes that although strategic planning at Lumba-Lumba Cassava Chips SME is not yet structured, the strategies implemented are able to maintain business sustainability. This study provides implications for SME actors to strengthen strategy documentation, product innovation, and digital marketing, as well as for SME facilitators to improve strategic management training in line with the SME context. 
PROFITABILITY OF ISLAMIC COMMERCIAL BANKS: A STUDY OF INTERNAL AND MACROECONOMIC FACTORS Aufrieda Artsiana Dewi; Anggraeni Anggraeni
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.v9i2.12223

Abstract

This study analyzed the impact of internal and external factors on the profitability of Islamic commercial banks in Indonesia, measured by ROA. Using quarterly financial data from 2019 to 2024, with 224 valid observations, the analysis focused on CAR, FDR, NPF, BOPO, bank size, GDP, and inflation. The findings show that internal factors significantly influence profitability, with NPF and BOPO negatively affecting ROA, while larger bank size correlates with lower profitability due to higher operational costs. External factors like GDP and inflation had no significant impact on ROA. F-test and R² results confirm the model’s statistical significance and explanatory power. The study highlights the importance of internal management strategies, recommending improvements in asset quality and operational efficiency to boost financial performance.
ANALYSIS OF FACTORS AFFECTING THE TRANSACTION COSTS OF RICE FARMERS IN THE PERSPECTIVE OF ISLAMIC ECONOMICS Arif Dwi Wibowo; M Yusuf Bahtiar; Ersi Sisdianto
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.v9i2.13355

Abstract

This study aims to analyze the factors that influence the transaction costs of rice farmers in the perspective of Islamic economics in Gadingrejo, namely uncertainty, social networks, and frequency. The methodology used in this study is quantitative associative. The data collection technique uses a questionnaire with a SEM PLS approach using SmartPLS software. The results of this study indicate that uncertainty, social networks, and frequency among farmers in Gadingrejo have a positive and significant effect on transaction costs. This result can be concluded because the calculated F (54.5) > table F (2.77). The contribution of this study is the understanding that transaction costs in Islamic economics do not only cover financial aspects but also social aspects such as justice, trade balance, and business ethics in accordance with Islamic principles.
THE ROLE OF SHARIA FINANCING ON SECTORAL GDP IN CENTRAL SULAWESI: MACROECONOMIC ANALYSIS WITH THE VAR/VECM APPROACH Rita Yunus; Farida Millias Tuty; Ahmad Syatir; Novita Sari; Muhammad Akbar
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.v9i2.13078

Abstract

Islamic financing in Indonesia is experiencing rapid growth and has the potential to become a key instrument in encouraging regional economic growth based on inclusive and sustainable principles. However, its effect on sectoral performance at the provincial level has not been studied empirically using a dynamic approach. This study aims to analyze the role of sharia financing and gross fixed capital formation (PMTB) on sectoral Gross Regional Domestic Product (GDP) in Central Sulawesi, covering the primary, secondary, and tertiary sectors. The analysis was conducted using quarterly data for the period 2022–2024 with the Vector Error Correction Model (VECM) approach for sectors showing long-term relationships and Vector Autoregression (VAR) for sectors without cointegration. Tests of stationarity, optimal lag, and Johansen cointegration were used to ensure the validity of the model. The results show that there is a difference in influence between sectors. In the primary sector, PMTB has a negative effect in the long term but positively in the short term. In the secondary sector, PMTB has a significant positive effect on both time horizons. In the tertiary sector, sharia financing has a significant positive effect in the short term without long-term relationships. This research offers novelty as the first post-pandemic sectoral study with a province-level dynamic model, which affirms the strategic role of Islamic finance in regional economic transformation. The implications of the research results show the need for sharia financing policies that are adjusted to sectoral characteristics to encourage inclusive, productive, and harmonized regional economic growth in line with Islamic economic principles.
ISLAMIC FINTECH INNOVATION STRATEGIES IN ENCOURAGING THE ACHIEVEMENT OF SDGS IN THE MSMEs SECTOR Murtiani Murtiani
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.v9i2.12016

Abstract

This study aims to make observations about the development of sharia fintech in Indonesia, sharia fintech innovation strategies in encouraging the achievement of SDGs in the MSME sector, this research is using the library study method with a literature review approach, where the findings data obtained from several sources are relevant to the research theme. Fintech is one of the financial sector innovations that gets a touch of modern technological developments. Bank Indonesia divides 4 types of fintech as a form of innovation from Sharia Fintech for MSMEs, namely: Crowdfunding, Peer-to-peer lending, Market aggregator, Risk and Investment Management, and Mobile payment/online banking. Strategies for increasing access to MSME financing through sharia fintech are carried out through Strengthening ecosystems and synergies between stakeholders, Increasing Sharia Financial Literacy and Education, Product Innovation and Service Differentials, Infrastructure Development, regulation and certification, and data security and protection. Sharia contributes to the SDGs by providing financial access to those who are not served by traditional financial institutions. Through inclusive products and services, such as Sharia microloans Overall, the application of fintech in MSMEs still faces various challenges, such as limited infrastructure, lack of technological skills and literacy among business actors, and the absence of clear regulations. To overcome this, the government's role in providing comprehensive regulations and educational support from fintech players is crucial. 
ANALYSIS OF THE EFFECT OF SHARIA BANK INDONESIA CERTIFICATES, MONEY SUPPLY, INFLATION, AND RUPIAH EXCHANGE RATE ON SHARIA MUTUAL FUNDS IN INDONESIA Nurul Hikmah; Sri Astuty; Basri Bado
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.v9i2.12041

Abstract

This study aims to analyse how SBIS, JUB, Inflation and Rupiah Exchange Rate affect Islamic Mutual Funds in Indonesia using the VECM method. Using EVIEWS 12 software, this study analysed 96 data within a period of 8 years published during the period January 2017 to December 2024 relating to the topic. The results show that in the long run, JUB and Rupiah Exchange Rate have a significant positive effect, SBIS has a significant negative effect while inflation has no effect. In the short term, Inflation has a significant negative effect while SBIS, JUB, and Rupiah Exchange Rate have no significant effect on Islamic Mutual Funds in Indonesia.
DRIVING SUSTAINABLE PERFORMANCE : THE ROLE OF GREEN ENTREPRENEURIAL ORIENTATION AND INNOVATION CAPABILITY AMONG SMES Dedi Joko Hermawan; Sudarmiatin Sudarmiatin; Puji Handayati; Naswan Suharsono
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.v9i2.13586

Abstract

Sustainability performance in micro, small, and medium enterprises (MSMEs) is a crucial element for strengthening regional economic competitiveness, including in Probolinggo City. Government policies that encourage business sustainability through capacity enhancement, innovation, adaptation, and the reinforcement of green entrepreneurial orientation position entrepreneurial orientation and innovation capability as strategic determinants of MSME continuity. Global demands related to environmental issues, advances in production technology, shifting consumer preferences, and the growing need for eco-friendly products increasingly require MSMEs to develop their innovation capabilities. Although most MSMEs have not yet attained the level of innovation capability and green entrepreneurial orientation found in larger enterprises, the demand to operate sustainably remains a priority. This study aims to analyze the relationship between green entrepreneurial orientation, innovation capability, and sustainability performance among MSMEs in Probolinggo City. The research involved 30 MSME actors as respondents, using questionnaires as the primary instrument and data processing through SmartPLS. The findings indicate that green entrepreneurial orientation has a positive and significant effect on innovation capability and sustainability performance. Innovation capability also significantly influences sustainability performance; however, it does not mediate the relationship between green entrepreneurial orientation and sustainability performance.
INTEGRATION OF HALAL TOURISM AND GREEN ECONOMY: SYSTEMATIC LITERATURE REVIEW FOR SYNERGY TRENDS IN SUSTAINABILITY PRACTICES Muhammad Akbar; Rita Yunus; Nurfadilah Sindika Sari; Muhammad Ichsan
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.v9i2.12696

Abstract

This research aims to explore the relationship between halal tourism and the green economy and its contribution to sustainable development and the local economy. The main purpose of this study is to analyze research trends, the relationship between these two sectors, research gaps related to the integration of halal tourism with the green economy, as well as patterns and thematic relationships between the main keywords in the existing literature. The Systematic Literature Review (SLR) approach and bibliometric analysis using the VOSviewer tool were applied to assess research trends, citation patterns, and the linkages between key concepts in the literature from 2016 to February 2025. The results of the analysis show that halal tourism that integrates green economic principles can reduce negative impacts on the environment, increase the use of local products, and support sustainable economic growth. The close relationship between halal tourism and the green economy is found in the VOSviewer analysis, with key clusters and keywords covering concepts such as sustainable development, sustainability, sustainable tourism and environmental. However, the research gap is seen in the lack of explicit integration between halal tourism and the green economy. Thematic patterns show a link between halal tourism, green economy, and sustainability, although research linking the three is still limited. This research contributes to understanding how halal tourism can serve as a sustainable tourism model that not only meets the needs of Muslim tourists, but also supports social, economic, and environmental sustainability. These findings lead to the need for the development of policies that better support the integration of these two sectors in industrial practice.
ANALYSIS OF THE INFLUENCE OF GRDP, FOREIGN DIRECT INVESTMENT, AND POPULATION DENSITY ON ENVIRONMENTAL QUALITY IN JAVA IN ACHIEVING THE SUSTAINABLE DEVELOPMENT GOALS (SDGS) Nura Yulianti; Kiky Asmara; Fauzatul Laily Nisa
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.v9i2.12544

Abstract

This study aims to analyze the effects of Gross Regional Domestic Product (GRDP), Foreign Direct Investment (FDI), and Population Density on environmental quality in Java Island during the period 2014–2024. The research method employed is panel data analysis with a regression approach, covering six provinces in Java as the units of observation. The dependent variable used is the Environmental Quality Index, while the independent variables consist of GRDP, realized FDI, and Population Density. The findings indicate that GRDP has a significant relationship with the Environmental Quality Index, following the pattern of the Environmental Kuznets Curve (EKC). Meanwhile, FDI shows a positive and significant effect on the Environmental Quality Index. Population Density is also proven to exert a negative and significant influence on the Environmental Quality Index. Therefore, synergy among various stakeholders is required to encourage the implementation of environmentally friendly economic concepts. The green economy approach can serve as a foundation for sustainable development, accompanied by population growth control, reduced dependence on fossil energy, and accelerated transition toward renewable energy, which have been incorporated into the SDGs agenda as a pillar supporting the balance between economic activities and environmental sustainability.
THE INFLUENCE OF REFERENCE GROUPS, TRUST, AND TRADITION ON CUSTOMERS’ DECISION TO USE ISLAMIC GOLD PAWN SERVICE WITH EDUCATION AS A MODERATING VARIABLE Niken Purnama Santi; Ahmad Habibi; Siska Yuli Anita
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.v9i2.13079

Abstract

This study aims to analyze the influence of reference groups, trust, and tradition on customers’ decisions to use Islamic gold pawn services, with education as a moderating variable. The research was motivated by the growing public interest in Islamic gold pawn products at Bank Syariah Indonesia (BSI) Tulang Bawang Barat Branch, which is influenced not only by economic factors but also by social, cultural, and educational aspects. The study employed a quantitative associative approach with 59 respondents selected through purposive sampling. Data were collected using an online questionnaire (Google Form) and analyzed with SPSS version 25, including validity and reliability tests, multiple linear regression, and Moderated Regression Analysis (MRA) to examine the role of education as a moderating variable. The findings reveal that reference groups, trust, and tradition have a positive and significant effect on customer decisions, both partially and simultaneously. Among these variables, tradition has the most dominant influence on decision-making. The coefficient of determination (R²) value of 0.812 indicates that 81.2% of the variation in customer decisions is explained by these three variables, while the remaining 18.8% is affected by other factors not examined in this study. The results emphasize that social and cultural factors play a crucial role in shaping customers’ behavior toward Islamic financial products. Therefore, Islamic financial institutions are encouraged to strengthen marketing strategies based on trust, tradition, and financial education to enhance public participation in Islamic pawn services.

Page 13 of 15 | Total Record : 149

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