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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 169 Documents
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THE EFFECT OF THE WORK ENVIRONMENT AND TRANSFORMATIONAL LEADERSHIP ON PERFORMANCE, WITH ORGANIZATIONAL COMMITMENT AS AN INTERVENING VARIABLE AMONG LECTURERS Silitonga, Mia Kartika; Toni, Nagian; Faris, Salman
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.v10i1.14257

Abstract

This study aims to analyse the influence of transformational leadership and the work environment on lecturer performance, with organisational commitment as a mediating variable. Transformational leadership is a leadership style that emphasises value transformation, integrity, and individual empowerment within educational organisations. Meanwhile, a conducive work environment is believed to foster collaboration and support the achievement of institutional goals. The Research used a quantitative approach, distributing questionnaires to 41 lecturers as respondents, resulting in a saturated sample. The data were then analysed using Structural Equation Modelling (SEM) to examine the relationships among variables. The results indicate that transformational leadership and the work environment positively affect organisational commitment, which, in turn, improves lecturer performance. This finding underscores the important roles of leadership and the work environment in strengthening organisational commitment, enabling educational institutions to encourage continuous improvement in academic performance.
MANAGERIAL PERFORMANCE OF SHARIA ENTITIES: ROLE OF CORPORATE GOVERNANCE AND SHARIA COMPLIANCE WITH INFORMATION TECHNOLOGY Soesanto, Shalsabilah Putri; Setiyaningsih, Titik Agus
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.v10i1.14080

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh tata kelola perusahaan yang baik dan kepatuhan syariah terhadap kinerja manajerial di entitas syariah dengan teknologi informasi sebagai variabel moderasi. Penelitian ini menggunakan pendekatan kuantitatif asosiatif dengan data primer yang diperoleh melalui kuesioner yang didistribusikan kepada karyawan Bank Syariah Indonesia yang beroperasi di wilayah Tangerang Selatan. Analisis data dilakukan menggunakan Structural Equation Modeling (PLS-SEM) berbasis Partial Least Squares dengan aplikasi SmartPLS versi 4.0 untuk menguji hubungan langsung dan moderasi antar variabel. Hasil penelitian menunjukkan bahwa tata kelola perusahaan yang baik memiliki pengaruh positif dan signifikan terhadap kinerja manajerial, namun kepatuhan syariah terbukti memiliki pengaruh positif dan signifikan terhadap kinerja manajerial. Lebih lanjut, teknologi informasi terbukti mampu memoderasi secara signifikan pengaruh tata kelola perusahaan yang baik terhadap kinerja manajerial, menunjukkan bahwa pemanfaatan teknologi informasi yang baik dapat memperkuat efektivitas tata kelola perusahaan. Namun, teknologi informasi tidak terbukti memoderasi secara signifikan pengaruh kepatuhan syariah terhadap kinerja manajerial. Temuan ini menunjukkan bahwa meskipun kepatuhan syariah penting dalam operasional entitas syariah, peningkatan kinerja manajerial lebih dipengaruhi oleh integrasi tata kelola perusahaan dan dukungan sistem teknologi informasi yang memadai. Penelitian ini diharapkan dapat memberikan kontribusi teoritis dan praktis bagi pengembangan manajemen dan tata kelola entitas syariah di era digital.
SOCIOECONOMIC DETERMINANTS OF CIRCULAR MIGRATION OF WORKERS: EMPIRICAL EVIDENCE FROM THE RETAIL INFORMAL SECTOR Muzayyana, Yaqinatul; Hastriana, Anna Zakiyah
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.v10i1.14019

Abstract

Circular migration is a form of non-permanent labor mobility that is commonly carried out by rural communities in response to limited employment and inequality of welfare between regions. This phenomenon is especially prevalent in the urban informal sector, including small retailers such as grocery stores, which are relatively accessible to the workforce even with low educational backgrounds. This study aims to evaluate the influence of employment opportunities, wage rates, and family dependents on the circular migration of workers from Lenteng District, Sumenep Regency. The research applied a quantitative design using a survey of 100 respondents chosen through purposive sampling. Primary data were gathered via a five-point Likert-scale questionnaire and processed using multiple linear regression with SPSS. The findings indicate that employment opportunities, wage rates, and family dependents positively and significantly affect circular migration, both individually and collectively. These findings emphasize the importance of strengthening the rural economy and protecting the informal retail sector as an effort to mitigate welfare inequality between regions.
REFLECTION ON ISLAMIC AGRICULTURAL POLICIES DURING THE UMAYYAD DYNASTY AND CONTEMPORARY INDONESIA Meliyanti, Putri Vella; 'Alim, Sarirotul; Aswad, Mohammad; Adlan, Muhammad Aqim
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.v10i1.13926

Abstract

This study examines Islamic agricultural policies during the Umayyad Dynasty and compares them with contemporary agricultural policies in Indonesia. Agriculture has historically played a strategic role not only as an economic sector but also as an instrument for social justice and public welfare. During the Umayyad period (661–750 CE), agricultural policy was based on Islamic principles emphasizing distributive justice, land productivity, and sustainable resource management through instruments such as kharaj, ushr, land reform, and irrigation development. In contrast, modern Indonesia faces structural challenges in agriculture, including unequal land ownership, low farmer welfare, climate change, and food security issues, which are addressed through agrarian reform, subsidies, infrastructure development, and technological innovation. This research employs a qualitative descriptive method with a comparative-historical approach, using literature studies from classical Islamic sources, academic journals, and contemporary policy documents. The analysis focuses on institutional structures, land ownership systems, fiscal instruments, infrastructure, and socio-economic impacts. The findings indicate that despite differing socio-political contexts, both systems share similar objectives in promoting public welfare and agricultural sustainability. The values of justice (‘adl), equitable distribution, and moral responsibility embedded in Umayyad agricultural policies remain relevant and can provide normative insights for strengthening contemporary Indonesian agricultural policy. Integrating these Islamic ethical principles may contribute to more inclusive, sustainable, and socially oriented agricultural development in Indonesia.
ANALYZING GENERATION Z’S BEHAVIORAL INTENTION TOWARD ISLAMIC BANKING PRODUCTS Dwi, Andrian; kholidah, Himmatul; Yasin, Ach.
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.v10i1.14528

Abstract

Aims of this study want to analyze influence of social environment, trust, religiosity, and islamic financial literacy on the generation z interest in surabaya using islamic banking products. A quantitative approach combined with an explanatory research method used in this study. The population research is generation z surabaya, with using purposive sampling as a sampling technique and a total of 109 respondents. Data collection in this study was conducted through an online questionnaire distributed with google forms, and the way used to analyze data was performed using partial least square (pls) method with help of smartpls 4.0 software. This study found that variables of trust, islamic financial literacy, and religiosity had a positive and significant effect on interest generation z' surabaya using islamic banking products. Conversely, the social environment did not have a significant effect. These findings indicate that trust in islamic financial institutions, understanding of islamic-based financial concepts, and levels of religiosity are the main factors in driving young people's interest in islamic banking product. Meanwhile, the social environment influence of the around individuals is not strong enough to shape the islamic financial behavior of generation z in surabaya.
CORPORATE SOCIAL RESPONSIBILITY MODERATION IN BANKING SECTOR: PROFITABILITY AND CREDIT RISK EFFECTS ON FIRM VALUE Fitrimarsya, Pinky; Litdia, Litdia
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.v10i1.14081

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh profitabilitas dan risiko kredit terhadap nilai perusahaan perbankan dan menguji peran Tanggung Jawab Sosial Perusahaan (CSR) sebagai variabel moderasi dalam memperkuat atau melemahkan hubungan tersebut. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik purposive sampling. Data yang digunakan adalah data sekunder yang diperoleh dari laporan keuangan tahunan dan laporan keberlanjutan dari 15 perusahaan perbankan yang terdaftar di Bursa Efek Indonesia selama periode 2020–2024, menghasilkan 75 observasi penelitian. Setiap variabel diukur menggunakan rumus Return on Assets (ROA), Non-Performing Loan (NPL), Price to Book Value (PBV), dan Corporate Social Responsibility Index (CSRI). Metode analisis yang digunakan adalah Moderated Regression Analysis (MRA) dengan bantuan perangkat lunak EViews 10. Hasil penelitian menunjukkan bahwa profitabilitas memiliki pengaruh positif dan signifikan terhadap nilai perusahaan. Sebaliknya, risiko kredit tidak berpengaruh terhadap nilai perusahaan, dan Tanggung Jawab Sosial Perusahaan tidak mampu memoderasi pengaruh profitabilitas atau risiko kredit terhadap nilai perusahaan.
THE EFFECT OF HARVEST PRODUCTIVITY AND RICE HARVEST PRICES ON THE WELFARE LEVEL OF FOOD CROP FARMERS IN EAST JAVA 2014-2024 'Alim, Sarirotul; Subagiyo, Rokhmat; Sholihah, Ummu
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.v10i1.13744

Abstract

Agriculture is a strategic sector for Indonesia's economy, and East Java is a major contributor to national rice production due to its large harvested area and high productivity. However, farmer’s welfare remains relatively stagnant, reflected in the Farmer's Term of Trade Indeks (NTP) which has only ranged between 100-105 during 2014-2025. This study aims to analyze the effect of harvest productivity and rice harvest prices on the welfare level of food crop farmers in East Java. This research using a quantitative approach and data analysis was carried out using multiple linear regression with harvest productivity, rice harvest prices, and the NTP as indicators of farmer’s welfare. The data used is secondary time series data for the period 2014-2024 from the East Java Central Bureau of Statistics (BPS). The results indicate that both rice harvest productivity and rice harvest price have a positive but not signifficant effect on farmer’s welfae. The coefficient of determination (Adjusted R²) of 0.260 shows that only 26% of variations in farmers' welfare can be explained by these two variables, while 74% are influenced by other factors. These findings suggest that increases in yield and market prices have not yet been able to significantly improve farmers' welfare and are contrary to the Islamic economic perspective, which emphasizes fair distribution of value and benefits. This study recommends the need for agricultural policy interventions that are fair, sustainable, and in line with Islamic economic principles.
DETERMINING BPKH FINANCIAL PERFORMANCE: A FINANCIAL RATIO AND VALUE FOR MONEY APPROACH Sholihah, Ria Anisatus; Ningtyas, Jilma Dewi Ayu; Fadzila, Adinda Umul
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.v10i1.14069

Abstract

This study examines the financial performance of the Indonesian Hajj Financial Management Agency (BPKH) from 2018 to 2023. The objective is to analyze BPKH's financial health and accountability through key performance indicators. The research employs a descriptive quantitative method, utilizing secondary data from BPKH’s official annual financial reports. Financial ratios analyzed include liquidity, solvency (Debt to Asset Ratio), investment (Investment to Fund Ratio and Return on Investment), and efficiency (Cost to Income Ratio). The results indicate that BPKH has successfully optimized hajj funds, evidenced by a significant increase in the Investment to Fund Ratio (RID) from 41.46% to 75.03%. While the Return on Investment (ROI) remains positive, the study identifies critical challenges, including a consistent decline in the Mandatory Liquidity ratio and a rising Cost-to-Income Ratio (CIR), which reached 3.32% in 2023. Furthermore, the Debt-to-Asset Ratio (DAR) remains above 100%, indicating that liabilities exceed assets. In conclusion, while overall performance is positive, BPKH must evaluate its asset-liability structure to ensure liquidity and implement stricter operational cost controls to maintain long-term sustainability and maintain the trust of pilgrims.
DYNAMICS OF FISCAL POLICY IN THE ERA OF THE PROPHET SAW AND TRANSFORMATION IN FISCAL POLICY IN INDONESIA Khasanah, Miftakhul Fauziyah; Ristanti, Frida Eka; Adlan, Muhamad Aqim; Aswad, 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.v10i1.13931

Abstract

This study aims to comparatively analyze fiscal policy in contemporary Indonesia and the fiscal policy implemented during the era of Prophet Muhammad (SAW), identifying shared principles and potential integrations of Islamic fiscal values into modern governance. Employing a qualitative-descriptive approach with library research, primary data were derived from the Qur’an, authentic Hadith, and classical fiqh sources (e.g., Al-Mughni, Al-Ahkam al-Sultaniyyah), while secondary data included government documents (APBN 2025 Framework, BKF Reports 2024), and peer-reviewed journals (2020–2025). Findings indicate that both systems share core objectives economic stabilization, equitable income distribution, and public welfare enhancement—yet differ significantly in legal foundations (positive law vs. divine revelation), revenue instruments (taxes/PNBP vs. zakat, jizyah, kharaj, fay’), and accountability mechanisms (institutional audit vs. li Allāh wa li al-nās spiritual oversight). Notably, values such as ‘adl (justice), amanah (trustworthiness), transparency, and maslahah ‘ammah (public interest) from the Prophetic fiscal model offer ethical enrichment for Indonesia’s fiscal governance. The study concludes that integrating these values through progressive taxation, zakat–APBN synergy, digital hisbah, and productive waqf can strengthen fiscal legitimacy, social equity, and moral accountability without replacing the existing system.Keywords : fiscal policy, Islamic economics, Prophet Muhammad (SAW), Baitul Mal, APBN

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