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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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SHARIA CROWDFUNDING : FUNDING INNOVATION TECHNOLOGY-BASED FOR MSMES Fitri Setia Okta Ramadhani; Hilda Bakri; Fitri Fitri; Ade Hastuty
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.v9i2.11440

Abstract

Sharia crowdfunding is an innovation in funding that utilizes technology to provide solutions to the problem of limited access to financing for MSMEs by following sharia principles. This study aims to explore the understanding, how it works, and the economic and strategic benefits of sharia crowdfunding in strengthening MSMEs in the sharia economic environment. The method applied in this study is qualitative descriptive with a literature study approach, where data is collected from various sources such as journals, articles, and relevant documents. The findings of the study indicate that sharia crowdfunding applies various sharia contracts such as mudharabah, musyarakah, and qardh hasan which prioritize justice, transparency, and the principle of being free from exploitation. Several platforms such as Ethis and Investree Syariah have shown the success of this model in increasing financial inclusion and empowering MSMEs. However, there are still challenges such as low sharia financial literacy, lack of digital infrastructure, and regulations that are not yet fully mature that need to be resolved. Therefore, there is a need to be cooperative between various parties in terms of education, strengthening regulations, and developing technology to maximize the potential of sharia crowdfunding as a sustainable and inclusive financing solution for MSMEs in Indonesia
ISLAMIC FINANCIAL LITERACY IN THE BIMWIN MODULE: AN URGENT NEED IN THE ERA OF DIGITAL CONSUMERISM Ahmad Hanafi; Khairil Anwar
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.v9i2.11774

Abstract

The digital era has transformed financial behavior and consumption patterns of young Muslim couples preparing for marriage. The proliferation of digital financial services such as paylater, online lending, and fintech investment platforms presents significant challenges for family financial management based on Islamic values. In response, the Ministry of Religious Affairs of Indonesia has integrated Islamic financial literacy content into the Bimbingan Perkawinan (Bimwin) program. However, analysis reveals that the current content remains normative and lacks contextual adaptation to the digital financial ecosystem faced by Millennials and Gen Z. This study employs a qualitative-descriptive approach using document analysis and literature review to identify gaps between normative teachings and practical application. The findings highlight that Bimwin participants face substantial challenges in translating Islamic financial principles into daily financial decision-making within digital environments. The study proposes comprehensive strategies, including contextual learning through digital financial case studies, simulation-based training, facilitator capacity-building, and multi-stakeholder collaboration. Strengthening Islamic financial literacy through these strategies can equip young Muslim families with critical skills to navigate the digital economy ethically and sustainably in accordance with maqashid sharia principles. 
EFFECT OF INTELLECTUAL CAPITAL AND INSTITUTIONAL OWNERSHIP ON THE FINANCIAL PERFORMANCE OF PHARMACEUTICAL COMPANIES IN INDONESIA Ershazkiya Raudlatishafa; Erna Sulistyowati
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.v9i2.11895

Abstract

This study's primary goal is to investigate how institutional ownership and intellectual capital affect the financial performance of pharmaceutical businesses that are listed on the Indonesia Stock Exchange (IDX) between 2019 and 2023. In order to evaluate the association between the variables, this study uses a quantitative approach that starts with descriptive statistical analysis and ends with panel data regression. Purposive sampling was used to choose ten pharmaceutical sub-sector enterprises from the population, which is made up of businesses in the healthcare industry. The firms' yearly financial reports, which were retrieved from the official IDX website, provided secondary data. The Fixed Effect Model (FEM) strategy was selected based on the outcomes of model testing. The results show that institutional ownership and intellectual capital have no discernible impact on pharmaceutical businesses' financial success. This implies that institutional ownership and intellectual capital have not yet reached their full potential in improving business performance.
THE INFLUENCES OF PRODUCT, PRICE, PROMOTION, PLACE, AND SERVICE QUALITY TOWARDS CUSTOMER SATISFACTION Muhamad Banu Kamal Alfirdaus; Utami Tri Sulistyorini
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.v9i2.13427

Abstract

This study aims to analyze the influence of product, price, promotion, location, and service quality on customer satisfaction at PT. Bank Muamalat Indonesia Semarang Branch Office, both simultaneously and partially. The data used are primary data collected using a questionnaire. The population in this study were all savings customers at PT. Bank Muamalat Indonesia Semarang Branch Office. With the purposive sampling method, 100 samples were obtained that were suitable for study. The analysis model in this study used a multiple linear regression analysis model and the analysis technique used the F Test, the Coefficient of Determination Test (R2), and the t Test processed using the SPSS 22.0 program. The results of this study indicate that the variables of product, price, promotion, location, and service quality simultaneously have a significant effect on customer satisfaction. Furthermore, product, price, promotion, location, and service quality each partially have a positive and significant effect on customer satisfaction at PT. Bank Muamalat Indonesia Semarang Branch Office
THE ROLE OF ORGANIZATIONAL CULTURE AND COMPENSATION ON PERFORMANCE THROUGH MOTIVATION: A SHARIA-BASED PUBLIC MANAGEMENT APPROACH Safitri Nurdin; Endang Suswati; Rini Astuti
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.v9i2.12700

Abstract

Enhancement of public institution performance does not depend solely on administrative system and procedural but also about the strength of values underlying behavior. This research aims to test the effect of organizational culture and compensation on performance thorough motivation as a mediating variable by using a shariah valued public management approach. The study was conducted at the ad hoc body General Election Commission (KPU) Mojokerto City Boa... consisting of sub-district election committee (PPK) and voting committee (PPS) in 2024 election. This research used an explanatory quantitative design based on a survey, with data collection through questionnaires to 69 respondents, as well as analysis using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that organizational culture has positive and significant effects on motivation (ß = 0.404, p < 0.001) and performance (ß = 0.269, p = 0.009). Compensation has positive and significant effects on motivation (ß = 0.410, p < 0.001), but it has no direct effect on performance (ß = 0.120, p = 0.151). Motivation has positive and significant effects on performance (ß = 0.483, p < 0.001), and is shown to mediate the relationship between organizational culture and performance (indirect effect = 0.195, p = 0.009) and between compensation and performance (indirect effect = 0.198, p = 0.008). These findings confirm motivation as a psychological and moral mechanism that connects your culture compensation system to performance in public organizations. In shariah values context, work culture based on justice, responsibility, and integrity is able to foster continuous intrinsic motivation. This research contributes to strengthening shariah values public management theory and has practical implications for human resources policy development in public institutions to be more oriented towards ethical and spiritual values that can increase performance in a sustainable manner.
ANALYSIS OF INDONESIA'S COAL EXPORT COMPETITIVENESS IN THE INTERNATIONAL MARKET AND ITS DETERMINANT FACTORS Dwiki Andreansyah Nugraha; Riko Setya Wijaya; Putra Perdana
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.v9i2.12546

Abstract

Indonesia is one of the world’s largest coal exporters, with a significant contribution tomeeting global energy demand. However, the competitiveness of Indonesia’s coalexports is strongly influenced by international market dynamics and external factors.This study aims to analyze the competitiveness of Indonesia’s coal exports in theglobal market using the Vector Autoregression (VAR) model for the period 2004–2023.The variables analyzed include Foreign Direct Investment (FDI), international coalprices (HBI), exchange rate (NT), national coal production, and competitivenessmeasured through the Revealed Comparative Advantage (RCA). The results indicatethat Indonesia still lags behind Australia in terms of RCA, although the gap hasnarrowed between 2018 and 2023. Conversely, compared to Russia, Indonesiaconsistently outperforms. The impulse response function (IRF) analysis reveals thatFDI has a positive impact on RCA, while rising international coal prices tend toweaken competitiveness. National coal production shows a positive effect in themedium term, whereas the exchange rate responds negatively to price fluctuations.Variance decomposition (VD) results show that FDI had a dominant contribution inthe early period (70–75%) but declined to around 20%, while the influence ofinternational coal prices increased to 40%. Overall, Indonesia’s coal exportcompetitiveness is largely shaped by external factors, requiring strategies such asmarket diversification, downstream industry development, efficiency improvements,and the optimization of global geopolitical opportunities.
EFFORTS TO ACCELERATE POVERTY REDUCTION THROUGH THE HUMAN DEVELOPMENT INDEX (HDI) IN THE SOCIETY Moh. Syaiful Suib; Hedi Hedi; Rizal Muhaimin
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.v9i2.13138

Abstract

Poverty is a scourge for local governments which has an impact on regional GDP. The government is trying to reduce it with various strategies. One of them is by optimizing HDI and increasing people's per capita income. The regional potential is very large for development, but it has not yet had a significant impact on the aspects of agriculture, plantations and tourism through regional UMKM. Why is it not optimal in several aspects to raise the HDI in Proboinggo Regency, especially in West Tiris? This research tries to explore strategies to reduce extreme poverty rates through the Human Development Index.  The research method uses a descriptive analytical approach consisting of several stages used for variable exploration and strategy development. The results of this research are that people in West Tiris suffer from general obstacles including 1. education, namely limited access to schools, second: health, limited access to health services: Third, Economy and Income. Livelihoods in West Tiris are limited and still focus on less productive agriculture and plantations, some village youths have migrated out of the area.
THE EFFECT OF KNOWLEDGE, PROMOTION, SERVICE AND PROFIT SHARING ON MEMBERS' INTEREST IN USING STUDENT SAVINGS PRODUCTS OF KSPPS MUI JATIM Muhammad Ainul Yaqin; Achmad Fahim; Moh Ya&#039;qub
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.v9i2.11441

Abstract

This research aims to analyze the influence of knowledge, promotion, service, and profit-sharing on members' interest in using Student Savings Account products of KSPPS MUI JATIM Sidayu Branch in Mriyunan Village, Sidayu, Gresik. The research method used is quantitative with a descriptive approach. Data collection was conducted through questionnaires distributed to 100 respondents who are members of KSPPS MUI JATIM Sidayu Branch residing in Mriyunan Village, Sidayu, Gresik. The data analysis technique used multiple linear regression analysis with SPSS software. The findings indicate that all four factors—knowledge, promotion, service quality, and profit-sharing—collectively have a meaningful impact on members' interest in using the product. Individually, each factor also shows a positive and significant influence. Among them, promotion emerged as the most influential factor in encouraging member participation. This research provides implications for KSPPS MUI JATIM Sidayu Branch to enhance their marketing strategy by focusing on improving service quality, educating the community about their products, developing attractive promotional programs, and establishing competitive profit-sharing arrangements to increase members' interest in using Student Savings Account products.
ISLAMIC ECONOMIC INTEGRATION : OPPORTUNITIES AND CHALLENGES IN ESTABLISHING A UNIFIED ISLAMIC ECONOMIC BLOC Hana Mabrukah
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.v9i2.11899

Abstract

Islamic economic integration as an effort to build a coordinated and stable Islamic economic bloc. In the context of increasingly complex globalization, member countries have various opportunities to enhance cooperation in trade, investment, and human resource development. However, major challenges are also faced, including regulatory differences, political instability, and inadequate infrastructure. This study analyzes the possible benefits of Islamic economic integration, as well as increased competition and social justice, and identifies the strategic measures needed to overcome the obstacles. Through open dialog and cross-sectoral cooperation, countries in the Islamic economic bloc can create a solid foundation for inclusive and sustainable economic growth and contribute significantly to the global economy. This article also discusses the importance of education and training to increase the capacity of human resources in the field of Islamic economics. A focus on understanding Shariah principles and ethical business practices is key to encouraging the active participation of economic actors. In addition, this study highlights the need for harmonization of regulations and policies among member countries to create a more favorable business environment. Through close cooperation between Islamic financial institutions and government agencies. The government should optimize resource allocation and expand access to funding. The importance of building an international cooperation network to enhance the competitiveness of Islamic economic blocs in the global market. By combining strengths and resources, member countries can overcome challenges and take advantage of opportunities, so that the Islamic economic bloc can develop sustainably and provide more benefits to society.
ANALYSIS OF THE USE OF DIGITAL PAYMENT METHODS (QRIS) IN MIE SAMYU MSMES IN INCREASING CONSUMER SATISFACTION Moh. Idil Ghufron; Hanin Fara Atiqoh; Dwi Nurul Hidayati
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.v9i2.13363

Abstract

Digital transformation in the financial sector has encouraged the presence of technology-based payment methods, one of which is the Quick Response Code Indonesian Standard (QRIS). This innovation is designed to simplify and accelerate the transaction process, as well as increase financial inclusion, especially for Micro, Small and Medium Enterprises (MSMEs). This study aims to analyze the extent to which the use of QRIS digital payment methods affects the level of consumer satisfaction in Mie Samyu MSMEs, a culinary business that has implemented QRIS in its operations. This research uses a qualitative paradigm with a case study approach. Data was collected through in-depth interviews, participatory observations, and documentation of Mie Samyu MSME owners, employees, and customers. The data analysis technique used is thematic analysis, which aims to identify patterns of consumer perception of the use of QRIS in their transaction experience. This research is expected to be able to fill the empirical gap regarding the impact of the use of QRIS on the MSME sector specifically and answer the research gap in the academic literature related to the relationship between digital payment methods and consumer satisfaction in the culinary sector. The results of this research are also expected to make a practical contribution in encouraging the digitalization of MSMEs in a sustainable manner and become a reference for public policies in optimizing the use of QRIS as a national digital economy instrument.

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