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Arif Nugraha
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profit@das-institute.com
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Office 1 : Perum Palm Estate No. 6A, Kel. Penambongan, Kec. Purbalingga, Purbalingga City Centra Java Province, Indonesia, 53314. Office 2 : Jl. Ambarbinangun Tempuran No.RT 08, Brajan, Tamantirto, Kec. Kasihan, Bantul, Daerah Istimewa Yogyakarta, Indonesia, 55184.
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INDONESIA
Profit : Jurnal Inovasi Ekonomi dan Bisnis
Published by CV. DAS Mitra Edukasi
ISSN : -     EISSN : 29887666     DOI : doi.org/10.53866/profit.
Core Subject : Economy, Science, Social,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
Profit: Jurnal Inovasi Ekonomi dan Bisnis" adalah sebuah jurnal ilmiah yang berfokus pada bidang ekonomi, keuangan, dan bisnis di Indonesia. Jurnal ini menawarkan platform bagi para peneliti dan ahli di bidang terkait untuk berbagi temuan dan pengalaman mereka, dengan harapan memperkaya pemahaman dan praktik ekonomi, keuangan, dan bisnis di Indonesia. Dengan nomor ISSN: 2988-7666, jurnal ini menjadi sumber daya penting bagi mereka yang tertarik dengan perkembangan terkini di sektor ekonomi dan bisnis di Indonesia.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 13 Documents
 1   2 
Implementation of the Al-Mudharabah Al-Musytarakah Agreement in Islamic Banking Financial Institutions Kholilur Rahman; Naerul Edwin Kiky Aprianto; Muhammad B. Jasmi
Profit : Jurnal Inovasi Ekonomi dan Bisnis Vol. 2 No. 1 (2024): PROFIT: Jurnal Inovasi Ekonomi dan Bisnis
Publisher : DAS Institute

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Abstract

Profit and loss sharing is a system used as an operational activity in Islamic banking. Therefore, the most important theory to be raised in this research is the mudharabah contract. Departing from the character of banking in general which is closely attached to Islamic banking as an intermediary institution, a new breakthrough is needed through the study of contemporary mudharabah contracts called al-mudharabah al-musytarakah as the most relevant theoretical basis. This is because the working mechanism of Islamic banks cannot be separated from funding and financing activities, and the bank's position is in the middle of these funding and financing activities. The mudharabah that we know from time to time only involves two parties, whereas in banking it involves three parties. With this qualitative casuistic research, the aim is to obtain data regarding the implementation of the al-mudharabah al-musytarakah contract in Islamic banking. The implementation of the al-mudharabah al-musytarakah agreement in Islamic banking is realized in various funding products, both savings and deposit products, and is related to mudharabah financing as a financing product.
Pengaruh Biaya Pemeliharaan, Nilai taksiran, dan Kualitas Layanan terhadap Keputusan Nasabah Gadai Emas di Pegadaian Syariah KC Kusumanegara Yogyakarta Aditiawati, Indah; Syah, Toufan Aldian
Profit : Jurnal Inovasi Ekonomi dan Bisnis Vol. 2 No. 1 (2024): PROFIT: Jurnal Inovasi Ekonomi dan Bisnis
Publisher : DAS Institute

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Abstract

This research aims to determine the influence of maintenance costs, estimated value and service quality on customers' decisions to choose gold pawn products. The phenomenon related to the recent surge in world gold prices has had a significant impact on the pawnshop industry. In December 2023, the price of gold will reach a record high of IDR 1.14 million per gram. This trend of increasing gold prices during 2023 will affect the performance of gold pawn products, a financing practice that is well known in the community. Primary data for this research was obtained through distributing questionnaires to 100 customers of Pegadaian Syariah KC Kusumanegara. The research methods used include Validity Test, Reliability Test, Normality Test, Multicollinearity Test, Heteroscedasticity Test, Multiple Linear Regression Analysis, Determination Coefficient, t Test, and F Test. The research results show that: 1) maintenance costs have a significant effect on customer decisions; 2) the estimated value does not have a significant effect on customer decisions; 3) service quality has a significant effect on customer decisions. Overall, maintenance costs, estimated value, and service quality simultaneously influence customer decisions
Financial Decision Dynamics of Generation Z in Yogyakarta: The Impact of Digital Marketing, Brand Image, and Financial Inclusion on Islamic Bank Products Mawaddah, Isnaini; Syah, Toufan Aldian
Profit : Jurnal Inovasi Ekonomi dan Bisnis Vol. 2 No. 1 (2024): PROFIT: Jurnal Inovasi Ekonomi dan Bisnis
Publisher : DAS Institute

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Abstract

The aim of this study is to determine the extent to which Digital Marketing, Brand Image, and Financial Inclusion influence Generation Z's decisions in the Yogyakarta region regarding the use of Indonesian Sharia Bank products. Bank Syariah Indonesia (BSI) is the largest Islamic bank in Indonesia but has a relatively small number of customers compared to other banks, particularly considering Indonesia's large Muslim population. This research employs a quantitative approach, with data collected from 100 samples using questionnaires as the primary data source. The results show that the Digital Marketing variable (X1) has a significant influence on Generation Z's decisions. The Brand Image variable (X2) has a positive and significant influence, while the Financial Inclusion variable (X3) also has a positive and significant influence. These findings suggest that a better Brand Image of Bank Syariah Indonesia in the eyes of users will impact their choice to use Indonesian Sharia Bank products

Page 2 of 2 | Total Record : 13

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