cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Mohammad Syaiful Suib
Contact Email
syaifulsuib@gmail.com
Phone
-
Journal Mail Official
syaifulsuib@gmail.com
Editorial Address
-
Location
Kab. probolinggo,
Jawa timur
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 169 Documents
 13   14   15   16   17 
THE EFFECT OF MARKETING STRATEGY AND THE USE OF THE MYPERTAMINA APPLICATION ON PERTAMAX FUEL PURCHASE DECISIONS THROUGH CUSTOMER SATISFACTION AS AN INTERVENING VARIABLE Simatupang, Elisabeth; Siregar, Robert Tua; Rostina, Cut Fitri
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.v10i1.14152

Abstract

This study analyzes the effects of marketing strategy and the ease of use of the MyPertamina application on purchasing decisions for Pertamax, with customer satisfaction as a mediating variable in Medan City. A quantitative approach was employed using SEM-PLS with a sample of 100 MyPertamina users. The results indicate that marketing strategy has a positive and significant effect on customer satisfaction and on purchasing decisions. The ease of use of the application has a positive and significant effect on customer satisfaction, but it does not directly affect purchasing decisions. Customer satisfaction has a positive and significant effect on purchasing decisions and mediates the effects of marketing strategy and ease of use on purchasing decisions. These findings emphasize that improving purchasing decisions is more effectively achieved by strengthening customer satisfaction, both through marketing strategies and by enhancing the application’s ease of use. Practically, PT Pertamina should optimize its digital marketing and develop a MyPertamina application that is simple, reliable, and user-experience oriented to encourage Pertamax purchases.
BUILDING A SHARIA-BASED ECONOMY: IMAM AL-GHAZALI'S THOUGHTS ON JUSTICE AND BALANCE IN THE MODERN ECONOMY Muarif, Samsul; Yazid, Muhammad
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.v10i1.13637

Abstract

This study explores the relevance of Imam al-Ghazali’s concepts of justice and balance in shaping a modern sharia-based economic system that is ethical, sustainable, and welfare-oriented. The research is grounded in a qualitative descriptive approach by analyzing al-Ghazali’s primary works alongside contemporary literature on Islamic economics. The findings show that al-Ghazali places justice as the essential foundation of economic life, emphasizing fairness in transactions, honesty, protection of rights, and the elimination of exploitation. His concept of balance highlights the importance of moderation, the avoidance of economic extremities, and the preservation of social stability. These principles strongly correspond with modern concerns regarding moral crises, inequality, market instability, and the need for ethical governance. The study concludes that al-Ghazali’s ethical framework provides substantial guidance for constructing economic policies that integrate spiritual values with economic rationality. His holistic perspective on human welfare, rooted in maslahah, demonstrates that economic development must incorporate both material and moral dimensions to achieve sustainable prosperity. The research contributes to the discourse on Islamic economics by offering a contemporary reinterpretation of classical thought and reinforcing its significance for addressing economic challenges in the modern era.
THE IMPACT OF THE IMPLEMENTATION OF THE E-PERFORMANCE APPLICATION AND ADDITIONAL EMPLOYEE INCOME ON THE PERFORMANCE OF EMPLOYEES AT THE DEPARTMENT OF PUBLIC WORKS AND SPATIAL PLANNING Simanjuntak, Christina Novalita; Siregar, Robert Tua; Romy, Elly
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.v10i1.14178

Abstract

This study aims to examine the effect of attendance, e-performance application, and employee income supplementation on employee performance. Quantitative paradigms and deductive reasoning were used in this study, developing a conceptual model based on previous empirical results and theoretical studies, which was then tested using structural equation modeling. The population in this study was the entire Public Works and Spatial Planning Agency of North Sumatra Province, totaling 985 employees. The sample was determined using the Slovin formula, resulting in a total of 169 respondents. Data were collected using a questionnaire in the form of a Google Form. The data collected in this study were analyzed using the PLS-SEM-based structural equation modeling method, which is a form of structural modeling to explain the patterns of relationships between variables, both directly and partially, and also to test the conceptual framework proposed in the study. The results showed that all proposed hypotheses were accepted. Attendance, e-performance, and employee supplementary income significantly impact employee performance at the Public Works and Spatial Planning Agency of North Sumatra Province, directly or partially.
PROFITABILITY DRIVERS OF ISLAMIC COMMERCIAL BANKS IN INDONESIA : A FINANCIAL INDICATOR APPROACH Suhailah, Zulfa; Tubastuvi, Naelati; Astuti, Herni Justiana; Innayah, Maulida Nurul
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.v10i1.14039

Abstract

This study examines the influence of internal factors such as Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operating Expenses to Operating Income (BOPO), Non-Performing Financing (NPF), and Bank Size on Profitability, represented by Return on Assets (ROA), in Islamic Commercial Banks authorized by the Financial Services Authority (Otoritas Jasa Keuangan or OJK) in Indonesia Using quarterly data spanning 2021–2024 from 14 Islamic commercial banks—yielding 206 observations through purposive sampling—and employing a Fixed Effect Model panel data regression approach, this research aims to capture financial performance dynamics in a more granular and timely manner compared to the annual data predominantly used in prior studies. The novelty of this study lies in the adoption of quarterly data, which provides greater sensitivity to short-term economic fluctuations and seasonal effects in the post-pandemic and post-merger era, as well as the explicit inclusion of Bank Size as an independent variable—rather than merely as a control variable as in most previous research—allowing for a direct examination of its role in driving profitability. The analysis results indicate that only BOPO has a significant negative effect on ROA, while CAR, FDR, NPF, and Bank Size are insignificant. Practical implications include recommendations for bank management to optimize operational cost control and for OJK regulators to strengthen adaptive policies addressing short-term economic fluctuations.
COMPARISON OF REAL COSTS OF MORTGAGE FINANCING: A COMPARATIVE STUDY OF FIXED MARGINS OF BANK SYARIAH INDONESIA (BSI) WITH FLOATING INTEREST RATES OF CONVENTIONAL BANKS Rohman, Taufikur; Muttaqin, Muhammad Wildan
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.v10i1.14041

Abstract

The development of Islamic banking in Indonesia has accelerated following the merger of Bank Syariah Indonesia (BSI), but remains fraught with debate over the high financing margins compared to conventional bank interest rates. This study aims to analyze and compare the real costs of financing Home Ownership Loans (KPR) between BSI and conventional banks using the pure annuity method, assuming extreme margin levels and non-promotional interest rates for a 10-year term. The research approach used is an exploratory case study with qualitative methods, supported by secondary data from official banking reports and financing calculation simulations. The results show that conventional mortgages tend to result in lower total costs under stable interest rates, but this advantage is conditional due to the risk of floating interest rates. In contrast, Islamic financing at BSI offers installment certainty and protection from repricing risk through fixed margins. These findings confirm that differences in financing costs reflect differences in risk structures and pricing mechanisms, not simply the cost of financing products.
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%
THE INFLUENCE OF PRODUCTIVE ZAKAT UTILIZATION ON WELFARE FROM THE MAQASHID SYARIAH PERSPECTIVE WITH EMPOWERMENT AS A MEDIATING VARIABLE Dienillah, Izzah
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.v10i1.14395

Abstract

It was observed that the poverty rate in Bondowoso Regency declined from 2020 to 2024, indicating that poverty has gradually been alleviated and community welfare has improved. This study aims to: (1) analyze the direct effect of productive zakat utilization by the National Zakat Agency (BAZNAS) of Bondowoso Regency on the welfare of MSMEs from a maqashid sharia perspective; (2) examine the direct effect of BAZNAS empowerment on MSME welfare from a maqashid sharia perspective; and (3) analyze the indirect effect of productive zakat utilization on MSME welfare from a maqashid sharia perspective, with BAZNAS empowerment serving as a mediating variable.This study employed a quantitative research approach with an explanatory design. The population included 130 mustahik (zakat beneficiaries). Using the Isaac and Michael table with a 5% margin of error, a sample of 95 respondents was chosen through purposive sampling. Data collection involved observation, documentation, and questionnaires. The data were analyzed using Partial Least Squares (PLS). The findings indicate that productive zakat utilization has a significant positive effect on MSME welfare from a maqashid sharia perspective. However, BAZNAS empowerment in Bondowoso Regency does not have a significant effect on MSME welfare from a maqashid sharia perspective. In addition, productive zakat utilization has a significant effect on BAZNAS empowerment. Nevertheless, productive zakat utilization does not have an indirect effect on MSME welfare through BAZNAS empowerment as a mediating variable. Keywords: Productive Zakat Utilization, Welfare, BAZNAS Empowerment, and Maqashid Sharia
INFLUENCE EDUCATIONAL COMPETENCE LENGTH SERVICE ON SHIP CREW PERFORMANCE THROUGH WORK ENGAGEMENT Sitepu, Hendra Gunawan; Siregar, Robert Tua; Ananda Lubis, Fajar Rezeki
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.v10i1.14057

Abstract

This study aims to analyze the effects of competence, education, and length of service on the performance of shipboard employees, as well as the mediating role of work engagement at PT Temas Shipping. The study involved all shipboard employees, with a total population of 50 people. Data were collected using primary data in the form of a 1–5 Likert-scale questionnaire that had been tested for validity and reliability. Data analysis employed a quantitative survey method. The findings indicate that: competence has a positive and significant effect on work engagement, ( education has a positive and significant effect on work engagement, length of service has a positive and significant effect on work engagement, competence has a positive and significant effect on performance, education has a positive and significant effect on performance, length of service has a positive and significant effect on performance, work engagement has a positive and significant effect on performance, competence affects performance through work engagement as an intervening variable, education affects performance through work engagement as an intervening variable and length of service affects performance through work engagement as an intervening variable.
THE EFFECT OF FINANCIAL PERFORMANCE ON THE PROFITABILITY OF BANK SYARIAH IN INDONESIA THROUGH NET INCOME WITH PATH ANALYSIS Mauliddiana, Rizka; Hady, Aufar Fadlul; Canggih, Clarashinta
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.v10i1.13811

Abstract

Penelitian ini bertujuan untuk menentukan pengaruh rasio keuangan CAR, NPF, dan FDR terhadap profitabilitas perbankan syariah di Indonesia dengan rasio Laba Bersih sebagai variabel intervening. Menggunakan data sekunder dari Laporan Keuangan Triwulanan Perbankan Syariah Indonesia tahun 2020–2024, penelitian ini menggunakan metodologi penelitian kuantitatif deskriptif. Pengambilan sampel purposif digunakan dalam proses pemilihan sampel, menghasilkan ukuran sampel sebanyak 140 titik data yang memenuhi persyaratan penelitian. CAR dan FDR memiliki dampak substansial terhadap Laba Bersih, menurut temuan uji analisis jalur menggunakan alat analisis Eviews pada model pertama. Sebaliknya, Laba Bersih tidak banyak dipengaruhi oleh variabel NPF. Temuan uji analisis jalur pada model kedua menunjukkan bahwa ROA secara signifikan dipengaruhi oleh variabel CAR dan NI. Sementara itu, ROA tidak dipengaruhi oleh faktor NPF dan FDR. Uji Sobel mengungkapkan bahwa Laba Bersih dapat secara tidak langsung memoderasi dampak CAR terhadap ROA. Dampak tidak langsung NPF dan FDR terhadap ROA tidak dapat dimediasi oleh pendapatan bersih. Oleh karena itu, dapat dikatakan bahwa NI, sebagai variabel perantara, memediasi hubungan antara CAR dan ROA lebih efektif daripada hubungan antara NPF dan FDR dengan ROA.
PHILOSOPHICAL VALUES OF ISLAMIC PHILANTHROPY IN STRENGTHENING WELFARE: A CASE STUDY OF ZAKAT MANAGEMENT AT BAZNAS Satria, Boedi; Iska, Syukri; Shiyuti, Hashim Bin Ahmad
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.v10i1.13789

Abstract

Islamic philanthropy plays a strategic role in supporting social welfare and poverty alleviation through the instrument of zakat, which is based on philosophical values. However, the implementation of these values often varies between institutions, thus requiring an in-depth study in a local context. This research aims to analyze the application of the philosophical values of Islamic philanthropy, including justice, trustworthiness, brotherhood, balance, and public interest, as well as the role of zakat in improving the welfare of mustahik at BAZNAS Pariaman city. The method used is a qualitative approach with a case study design through observation, in-depth interviews, and documentation. The results show that BAZNAS Kota Pariaman not only applies professional governance through mustahik verification, routine audits, and the utilization of various fundraising channels, but also emphasizes spiritual values in the development of mustahik and public services. The discussion reveals that philanthropic practices in this institution are in line with previous research emphasizing the importance of integrating the values of justice, trustworthiness, and public interest in the effectiveness of zakat programs. In conclusion, BAZNAS Pariaman city has successfully implemented the philosophical values of Islamic philanthropy comprehensively, thereby providing material and spiritual impacts for beneficiaries and strengthening public trust.

Page 16 of 17 | Total Record : 169

 13   14   15   16   17 

Filter by Year

2017 2026


Reset
Filter By Issues
All Issue Vol 10, No 1 (2026): Economic And Investment Vol 9, No 2 (2025): Economic And Financial Institutions Vol 9, No 1 (2025): Economic And Development Vol 8, No 2 (2024): Economic and Financing Vol 8, No 1 (2024): Economic and Banking Vol 7, No 2 (2023): Economic Building Vol 7, No 1 (2023): Islamic Economic, Islamic Banking And Program Vol 6, No 2 (2022): Economic Banking Vol 6, No 1 (2022): Economic Tecnology Vol 5, No 2 (2021): Economic Milenial Vol 5, No 1 (2021): Economic Manajerial Vol 4, No 2 (2020): Economic Marketting Vol 4, No 1 (2020): Economic Management Vol 3, No 2 (2019): Economic And Auditing Vol 3, No 1 (2019): Management And Halal Product Vol 2, No 2 (2018): Economics And Islamic Law Vol 2, No 1 (2018): Islamic Business Ethics And Globalization Vol 1, No 1 (2017): Islamic Economic More Issue