Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah
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. The journal is intended to communicate original research and current issues on the subject. This journal warmly welcomes contributions from scholars of related disciplines. The scope of Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah is as follow but not limited to: Economics and Sharia Economics Management and Sharia Business Islamic Banking Entrepreneurship Sharia Finance Islamic Finance Institution Accoutancy Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah published by Islamic Faculty of Nurul Jadid University, Probolinggo, East Java, Indonesia. P-ISSN : 2685-4309 E-ISSN : 2597-9434 Indexed by : <a title="DOAJ" href="https://doaj.org/toc/2597-9434?source=%7B%22query%22%3A%7B%22filtered%22%3A%7B%22filter%22%3A%7B%22bool%22%3A%7B%22must%22%3A%5B%7B%22terms%22%3A%7B%22index.issn.exact%22%3A%5B%222685-4309%22%2C%222597-9434%22%5D%7D%7D%2C%7B%22term%22%3A%7B%22_type%22%3A%22article%22%7D%7D%5D%7D%7D%2C%22query%22%3A%7B%22match_all%22%3A%7B%7D%7D%7D%7D%2C%22size%22%3A100%2C%22_source%22%3A%7B%7D%7D" target="_blank">
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UMRAH WORSHIP SERVICE STRATEGY IN AN EFFORT TO INCREASE CONGREGATION SATISFACTION
Indonesia has the largest Muslim population in the world, making interest in carrying out Umrah very high, especially due to the limited Hajj quota. This study aims to analyze the influence of service quality on the satisfaction and loyalty of Umrah pilgrims at PT Qiblatain Sakti, Gending, Probolinggo. The descriptive qualitative method was used with data from observations and interviews with 5 pilgrims and 2 officers. The results found that service aspects such as responsiveness, assurance, reliability, tangible, and empathy had a significant impact on congregation satisfaction and loyalty. Good service quality can increase the satisfaction and loyalty of Umrah pilgrims. This study recommends improving service strategies to increase congregational trust.
Copyright (c) 2025 nana andriyana andriyana https://creativecommons.org/licenses/by-nc-sa/4.0
BIBLIOMETRIC ANALYSIS OF HALAL LIFESTYLE MARKETING MIX FOR THE PERIOD 2020-2025 WITH VOS VIEWER
This study aims to explore research trends on the marketing mix in the context of the halal lifestyle using bibliometric analysis. Using the VOSviewer software, this research analyzes 997 documents published between 2020 and 2025 related to this topic. The findings indicate that the topic of the halal lifestyle marketing mix is gaining increasing attention from researchers, with journal publications being the primary source of information. Network visualization reveals five main clusters related to marketing aspects, religiosity, purchasing decisions, halal supply chains, and digital marketing. This study provides insights into research trends and the future direction of halal product marketing strategies.
Copyright (c) 2025 Mastika Sari Harahap https://creativecommons.org/licenses/by-nc-sa/4.0
THE IMPACT OF KNOWLEDGE, BELIEF, AND CONVENIENCE OF USE ON CONSUMER INTEREST IN USING SERVICES M-BANKING
The aim of this research was to find out the impact of knowledge, belief, and interest of use on Consumer interest in using M-Banking services. This study uses a quantitative method. The population in this study was 3,200 Consumers, for sample calculation using the Slovin formula random sampling method with the number of respondents being 97 Consumers. The data analysis method in this study used multiple linear regression in the SPSS 23 For Windows application. The t-test findings show that the knowledge factor has an effect on Consumer interest in using M-Banking services. While the belief factor does not affect Consumer interest in using M-Banking services. The convinence factor affects Consumer interest in using M-Banking. The factors of knowledge, belief and convinence of use simultaneously affect Consumer interest in using M-Banking services at Bank Syariah KCP Malang Pakis Kembar. From the finding of the percentage of determination (R2) given by the factors of knowledge, belief and ease of use on Consumer interest, it contributed 58.8% and the rest was influenced by other factors not included in this study of 41.2%.
Copyright (c) 2025 Sri Mulyani https://creativecommons.org/licenses/by-nc-sa/4.0
BIBLIOMETRIC MAPPING OF INFLATION DUE TO THE COVID-19 PANDEMIC IN INDONESIA USING VOSVIEWER
This study aims to examine the impact of the COVID-19 pandemic on inflation in Indonesia. The pandemic has had a wide and profound effect on various aspects of life, including the economy. Disruptions in supply chains, changes in consumer demand patterns, and government policies are the main factors affecting inflation during the pandemic. Factory closures and social restrictions have led to shortages of goods and raw materials, thus driving up prices. Meanwhile, the increase in demand for staples and medical products has not been offset by an increase in supply, causing a spike in prices. The government's fiscal and monetary stimulus policies have also increased the money supply, potentially driving further inflation. Fluctuations in energy prices during the pandemic have also contributed to the dynamics of inflation in Indonesia. The bibliometric method is used to identify research trends, inflation and covid-19 in Indonesia as well as researcher collaboration on this topic.
Copyright (c) 2025 Utari Evy Cahyani https://creativecommons.org/licenses/by-nc-sa/4.0
UNDERSTANDING THE 7 KEY PROHIBITIONS IN ISLAMIC TRADE PRACTICES
This paper aims to identify and analyze the seven main prohibitions in Islamic trade practices: riba (usury), gharar (uncertainty), tadlis (deception), maysir (gambling), ghabn (exploitation), najsh (price manipulation), and jahalah (ignorance). The research employs descriptive and qualitative methods, focusing on an extensive review of relevant literature as the primary source of data. The findings indicate that violations of these prohibitions result in economic injustice and social harm, undermining the principles of fairness and balance advocated by Islamic teachings. By understanding and avoiding these forbidden practices, Muslim business practitioners can promote a just and Sharia-compliant economic system. The study highlights the importance of education and awareness to ensure the integration of Islamic principles into business activities.
Copyright (c) 2025 Iin Candrawati https://creativecommons.org/licenses/by-nc-sa/4.0
THE EFFECT OF CONTENT CREATOR ENDORSEMENTS ON MSME CONSUMERS' PURCHASING DECISIONS
In the digital era, marketing strategies have shifted from conventional media to more dynamic and interactive social media. One of the strategies that is growing rapidly is the use of endorsements by content creators to influence consumer purchase decisions. This study aims to find out the extent of the influence of content creator endorsements on purchase decisions on MSME products. This study used a quantitative approach with multiple linear regression method and involved 75 respondents, which were determined based on the Malhotra formula (at least five times the number of indicators). The results showed that endorsements had a positive and significant influence on purchase decisions, with a significance value of 0.000 and a regression coefficient of 0.705. These findings indicate that collaboration with content creators can be an effective and efficient promotional strategy for MSMEs in reaching a wider market through social media.
Copyright (c) 2025 Nurfaisah Nurfaisah https://creativecommons.org/licenses/by-nc-sa/4.0
THE ROLE OF DISKOPERINDAG IN SUPPORTING THE SUSTAINABILITY OF MSME IN BIMA CITY
Micro, Small, and Medium Enterprises (MSMEs) have a strategic role in supporting economic growth, creating jobs, and improving community welfare. In Bima City, the MSME sector has experienced rapid growth, with the number of business units increasing significantly in recent years. However, despite having great potential, MSMEs in Bima City still face various challenges, such as limited access to capital, lack of use of digital technology, and low competitiveness against products from outside the region. This study aims to analyze the role of the Cooperatives, Industry, and Trade Service (Diskoperindag) of Bima City in empowering MSMEs to improve the sustainability and competitiveness of their businesses. The research method used is a qualitative approach with data collection techniques through interviews, observations, and literature studies. The results of the study show that Diskoperindag of Bima City has various strategic programs in supporting MSMEs, including business management training, digital marketing, product innovation, and facilitation of access to People's Business Credit (KUR) and business certification. In addition, collaboration with financial institutions and product promotion through exhibition events also contribute to expanding the MSME market. However, there are several obstacles in the implementation of the program, such as budget constraints, lack of ongoing assistance, and low awareness of MSME actors regarding the benefits of the available programs. Therefore, it is necessary to increase the effectiveness of the empowerment program through optimizing coordination between the government, business actors, and related stakeholders. In conclusion, the Bima City Trade and Industry Office plays an important role in improving the sustainability of MSMEs, but further efforts are still needed to overcome the challenges faced so that the MSME sector can develop more optimally and be highly competitive
Copyright (c) 2025 Siti Fatimah, Rafiuddin Rafiuddin, Muhammad Rasyad Al Fajar https://creativecommons.org/licenses/by-nc-sa/4.0
TRANSFORMATION OF PESANTREN ECONOMIC MANAGEMENT TOWARD SELF-RELIANCE BASED ON LOCAL WISDOM
Islamic boarding schools (pesantren) play a strategic role not only as centers for education and da'wah but also as key drivers of community economic development. However, many pesantren still rely heavily on donations and external subsidies, which hinders the achievement of true financial independence. This study aims to analyze the transformation of pesantren economic management toward self-reliance based on local wisdom, with a case study on the Badan Usaha Milik Pesantren (BUMPES) Nurul Jadid. This research employs a qualitative approach with data collection techniques including observation, interviews, and document analysis. The findings reveal that BUMPES Nurul Jadid implements a strategy of business diversification based on local potential, strengthening sharia-based governance, and utilizing technology in production and marketing. These measures enable the pesantren to generate stable and sustainable income sources. Local wisdom plays a crucial role in ensuring the sustainability of the pesantren economy by upholding the values of honesty, mutual cooperation (gotong royong), and prudent use of local resources. This transformation not only fosters the economic independence of the pesantren but also contributes to the welfare of the surrounding community. Therefore, an economic model based on local wisdom offers an effective solution for building independent and competitive pesantren without compromising Islamic values.
Copyright (c) 2025 Syaiful Anam, Moh Alpa Hosim https://creativecommons.org/licenses/by-nc-sa/4.0
THE ROLE OF BANK SYARIAH INDONESIAN (BSI) IN IMPROVING THE QUALITY OF LIFE OF FARMERS IN TOLOWATA VILLAGE, AMBALAWI DISTRICT, BIMA REGENCY
This study aims to examine the role of Bank Syariah Indonesia (BSI) in improving the quality of life of farmers in Tolowata Village, Ambalawi District, Bima Regency. The background of this study is based on the fact that the majority of the village community depends on the agricultural sector, but faces various obstacles such as limited access to capital, technology, and financial literacy. The presence of BSI as a sharia-based financial institution is a potential solution in empowering the economy of farmers through interest-free financing schemes, such as mudharabah, musyarakah, and qardhul hasan. This study uses a descriptive method with a qualitative approach. Data collection techniques are carried out through in-depth interviews, non-participatory observation, and documentation studies, with data validation through source and method triangulation techniques. The main informants consist of farmers receiving financing, BSI employees, and local community leaders. Data are analyzed through the stages of reduction, presentation, and drawing conclusions and verification. The results of the study show that BSI not only provides fair and sharia-compliant financing access, but also provides financial training, technical assistance, and encourages the formation of community-based farmer institutions. This contribution has a significant impact on increasing farmers' income, productivity, and spiritual awareness. However, there are a number of obstacles faced by BSI in implementing the program, such as low Islamic financial literacy, limited infrastructure, weak farmer institutions, and lack of synergy with related parties at the local level. Thus, optimizing BSI's role in improving the quality of life of farmers requires a collaborative approach, strengthening local institutional capacity, and a sustainable strategy in Islamic financial education.
Copyright (c) 2025 Nuralfulailah Nuralfulailah, Rafiuddin Rafiuddin, Syarif Hidayatullah https://creativecommons.org/licenses/by-nc-sa/4.0
SCARCITY OF SUBSIDIZED FERTILIZER AND WEATHER FACTORS: IMPLICATIONS FOR AGRICULTURAL PRODUCTIVITY AND FOOD SECURITY IN PROBOLINGGO REGENCY
Probolinggo Regency is an agricultural area where the majority of the population works as farmers. However, the agricultural sector in this area faces major challenges due to the scarcity of subsidized fertilizers and unpredictable weather changes. This study aims to analyze the scarcity of subsidized fertilizers and weather factors on agricultural productivity and food security in Probolinggo Regency, as well as to evaluate sharia-based economic solutions that can be applied to improve farmer welfare. The research method used is a qualitative approach with a case study method. Data were collected through in-depth interviews with farmers, fertilizer distributors, and Bulog officials, as well as field observations and documentation studies. The results of the study indicate that the uneven distribution of subsidized fertilizers and high prices of non-subsidized fertilizers cause many farmers to have difficulty meeting their fertilization needs, thus negatively impacting agricultural productivity. In addition, extreme weather changes, such as unpredictable rainfall and prolonged drought periods, worsen agricultural conditions and increase the risk of crop failure. The implications of this problem include declining agricultural production, increasing food prices, and socio-economic instability for farmers. To overcome these challenges, adaptation strategies are needed, such as better management of fertilizer distribution, the use of agricultural technology that is more adaptive to climate change, and the application of sharia economic principles to create a just and sustainable agricultural system.
Copyright (c) 2025 Achmad Febrianto, Najma Nur Lathiefah https://creativecommons.org/licenses/by-nc-sa/4.0
SYSTEMATIC LITERATURE REVIEW: FINANCIAL LITERACY, TECHNOLOGY, AND CORPORATE GOVERNANCE FOR MSMEs REPORTING QUALITY
Micro, Small, and Medium Enterprises (MSMEs) often struggle to produce quality financial reports due to limited financial literacy, inadequate use of technology, and weak corporate governance practices. These limitations hinder transparency, reduce accountability, and restrict access to external funding. This study aims to explore the contribution of financial literacy, technology adoption, and corporate governance to the quality of financial reporting among MSMEs. Using a Systematic Literature Review (SLR) approach, the study analyzed 13 peer-reviewed articles published between 2020 and 2025. The review followed the PRISMA protocol and applied a thematic analysis framework based on Agency Theory. The findings reveal that while each factor such as financial literacy, technology, and governance have a positive impact, their integration plays a more significant role in improving the accuracy, transparency, and accountability of MSME financial reports. The study concludes that a combined approach involving knowledge, digital tools, and internal control mechanisms is essential to strengthening the trust of external stakeholders and enhancing the financial credibility of MSMEs
Copyright (c) 2025 Citra Aprilia citra, Angelia Angelia, Iqlima Nurhaliza, Christyan Dumawan https://creativecommons.org/licenses/by-nc-sa/4.0
RICE MILLING WASTE MANAGEMENT STRATEGY IN REALIZING A CIRCULAR ECONOMY BASED ON A GREEN ECONOMY
Abstract This study aims to analyze the strategy of rice milling waste management in order to realize a circular economy based on the green economy in Petiyin Tunggal Village. Rice milling waste such as husks, bran, and straw that have not been optimally utilized have great potential to be processed into value-added products. The circular economy and green economy approaches are the basis for creating a waste management system that is not only environmentally friendly, but also has a positive economic and social impact. This study uses a qualitative method with a case study approach, through field observations, in-depth interviews, and documentation. The results of the study indicate that there is a great opportunity for the development of community-based waste management innovations, such as the use of husks as alternative fuels and the processing of bran into animal feed. The recommended strategies include strengthening local institutions, waste management training, and collaboration with the private sector and government. Thus, rice milling waste management can not only reduce environmental impacts but also encourage green economic growth at the village level.
Copyright (c) 2025 elis zunita anzar wati https://creativecommons.org/licenses/by-nc-sa/4.0
THE EFFECT OF GREEN BANKING IMPLEMENTATION AND OPERATING COST EFFICIENCY ON FINANCIAL PERFORMANCE AT ISLAMIC COMMERCIAL BANKS IN INDONESIA FOR THE 2019-2023 PERIOD
Environmental problems such as climate change and natural disasters are now increasingly frequent. Banking operations that pay less attention to environmental aspects contribute to worsening this situation, because the drive for profit often makes the negative impact of business on the environment ignored. This study aims to analyze the application of green coin rating (GCR) and Operational Cost Efficiency (BOPO) to return on equity (ROE) as an indicator of financial performance at Islamic Commercial Banks in Indonesia for the 2019-2023 Period. The population in this study are all financial reports from 13 BUSs that have been published until 2023. The sample of this study used purposive sampling with a sample of 6 BUS, namely BCA Syariah, Bank Aceh Syariah, Bukopin Syariah, NTB Syariah, Bank Panin Dubai Syariah, and Bank Muamalat, using annual report data and sustainability reports for the 2019-2023 period. The data analysis technique uses panel data regression analysis through the E-Views10 program. The results showed that partially, the application of GCR has a negative and insignificant effect on ROE with a sig value. 0.5845>0.05, while BOPO shows a positive significant effect on ROE with a sig value. 0,0000<0,05. Simultaneously GCR and BOPO have a significant effect with a sig value. 0.000001 <0.05 on ROE at Islamic Commercial Banks in Indonesia for the 2019-2023 Period Keywords: Green Banking, Operating Cost Efficiency, Financial Performance, Islamic Commercial Bank
Copyright (c) 2025 Karexa Selvia Yundari https://creativecommons.org/licenses/by-nc-sa/4.0
MEMBER PERCEPTIONS ON BUSINESS CAPITAL FINANCING PRODUCTS IN EMPOWERING MICRO, SMALL AND MEDIUM ENTERPRISES AT BAITUL MAAL WAT TAMWIL "UMMAT SEJAHTERA ABADI" NALUMSARI BRANCH
The financial system in Indonesia continues to progress, especially in financial institutions based on Sharia. Sharia Microfinance Institutions actors develop along with an increase in turnover which is influenced by member perceptions of a product. The product that is often used by MSME players is a business capital financing product that can assist in capital. However, some people still cooperate with conventional financial institutions that have elements of ribawi which are prohibited by Islam in the Al-Qur'an and As-Sunnah because they are considered detrimental to one party. Therefore, the presence of BMT is needed because it can be an alternative solution for business people who need additional capital without worrying about usury. This study aims to describe the perception of members on business capital financing products in empowering MSMEs at BMT Ummat Sejahtera Abadi Nalumsari Branch. This study applies a type of field research with a qualitative approach and descriptive method. The data obtained in this study is in accordance with the facts that occurred at BMT Ummat Sejahtera Abadi Nalumsari Branch obtained through observation, interviews with branch heads, marketing employees and 5 members on business capital financing products and documentation. Data analysis is done by reducing data, presenting data and verification and conclusions. Member perceptions related to business capital financing products available at BMT Ummat Sejahtera Abadi Nalumsari Branch obtained good results, evidenced by an increase in the number of members by 1,34% and progress on the business being carried out. This perception is influenced by the quality of service and the price of a product that can be calculated because the margin or service provided tends to be low.
Copyright (c) 2025 Dewi - Laras, Supardi - -, Yunus - Mustaqim https://creativecommons.org/licenses/by-nc-sa/4.0
THE IMPACT OF PKH ON THE WELFARE OF POOR PEOPLE IN MLANDINGAN FROM A SHARIA ECONOMIC PERSPEKTIVE
This study aims to analyze the impact of the Family Hope Program (PKH) on improving the welfare of poor communities in Mlandingan Village from the perspective of sharia economics. The method used is descriptive qualitative. The research was conducted in Mlandingan Village, Mlandingan District, Situbondo Regency, East Java, Indonesia. Data collection was carried out through direct interviews with PKH implementers and program beneficiaries. The results indicate that PKH positively impacts the welfare of poor people through three main principles in sharia economics: ta’awun (mutual assistance) encouraging social solidarity, al-‘adl (justice) reflected in fair and targeted aid distribution, and maslahah (public benefit) seen from increased access to education, health, and basic needs. It can be concluded that PKH has helped realize the welfare of poor communities in accordance with Islamic values or sharia economics
Copyright (c) 2025 Silvi Nury Romadhoni https://creativecommons.org/licenses/by-nc-sa/4.0
MARKETING STRATEGY ANALYSIS IN INCREASING SALES AT FAYZA BUSANA CILEUNGSI (SHARIAH ECONOMIC PERSPECTIVE)
This study aims to analyze marketing strategies for increasing sales at Fayza Busana Cileungsi from the perspective of Islamic economics. The method used is a qualitative method with a case study approach. Data collection techniques by conducting interviews, observation, and documentation. The data analysis technique used SWOT analysis. The results showed that the marketing strategy used was Segmentation, Targeting, and Positioning, as well as the 7P marketing mix (Product, Price, Place, Promotion, People, Process, Physical Evidence) with sharia marketing characteristics Rabbaniyah, Waqi'iyah, Akhlaqiyyah, and Al-Insaniyyah. The Internal Factor Analysis Summary table shows positive results with a score value of 0.12 and the External Factor Analysis Summary table shows negative results with a score value of -0.19. The results of data processing using a Cartesian diagram show the position of Fayza Busana in quadrant II with alternative strategies that can be carried out using the ST (Strengths-Weaknesses) strategy, which is to utilize internal strengths to avoid or reduce external threats.
Copyright (c) 2025 Nur Fanny Oktavia https://creativecommons.org/licenses/by-nc-sa/4.0
THE INFLUENCE OF TAX PLANNING AND PROFITABILITY ON COMPANY VALUE WITH COMPANY SIZE AS A MODERATING VARIABLE IN CONSUMER GOODS SECTOR COMPANIES LISTED ON THE INDONESIA STOCK EXCHANGE FROM 2018 - 2022
This research aims to examine the influence of tax planning and profitability on firm value, with company size serving as a moderating variable for that influence. The research data comes from 30 manufacturing companies in the consumer goods sub-sector listed on the Indonesia Stock Exchange, with a total of 150 samples taken from the years 2018 to 2022. It can be concluded from the discussion that tax planning and profitability simultaneously influence the value of the company. Unlike profitability, which affects the company's value, tax planning does not have an impact on the company's value. As a moderating element, company size can strengthen the relationship between tax planning and the company's value, as well as enhance the effect of profitability on the company's value
Copyright (c) 2025 Ratih Silviyani https://creativecommons.org/licenses/by-nc-sa/4.0
UNDERSTANDING THE DYNAMICS OF LIQUIDITY AND INFLATION ON ISLAMIC BANK PROFITABILITY IN INDONESIA
This study investigates the impact of liquidity ratios on the profitability of Islamic banks in Indonesia, with inflation introduced as a moderating variable. Using a quantitative explanatory research design, the study analyzes secondary data from 11 Islamic banks over the 2021 to 2023 period. The liquidity indicators include the Cash Ratio, Quick Ratio, and Current Ratio, while Return on Assets (ROA) is used as a proxy for profitability. Inflation data is obtained from the national consumer price index. Multiple linear regression with interaction terms is employed to assess both direct and moderating effects. The classical assumption tests confirm that the model is free from normality violations, multicollinearity, autocorrelation, and heteroskedasticity. The regression results reveal that the Quick Ratio has a significant positive effect on profitability, while the Current Ratio has a significant negative impact. The Cash Ratio shows no significant influence on ROA. Inflation does not affect ROA directly but moderates the relationship between liquidity and profitability in two out of three indicators. The interaction between Quick Ratio and inflation is negative, while the interaction between Current Ratio and inflation is positive. These findings highlight the importance of adaptive liquidity strategies under varying macroeconomic conditions.
Copyright (c) 2025 Firman Junaidi https://creativecommons.org/licenses/by-nc-sa/4.0
THE IMPACT OF SERVICE DIGITALIZATION, SERVICE QUALITY, AND OPERATIONAL EFFICIENCY ON STUDENT SATISFACTION IN USING CAMPUS FACILITIES
The development of digital technology has transformed the landscape of higher education institutions, demanding adaptation in the provision of services to students. UINSU, the State Islamic University of North Sumatra, has strived to improve the quality of campus services through digitalization, improved service quality, and operational efficiency. This study analyzes the influence of service digitalization, service quality, and operational efficiency on student satisfaction in using campus facilities at the State Islamic University of North Sumatra (UINSU). Using an associative quantitative method with 100 active UINSU student respondents, this study found that service digitalization and student happiness were positively and significantly influenced by service quality. Improved ease of access to information, speed of administrative processes, and the quality of interactions and physical facilities contributed to positive student experiences. However, operational efficiency showed a negative and significant influence on student satisfaction, indicating a dissonance between campus efficiency efforts and student perceptions and comfort. These findings emphasize the importance of UINSU balancing efficiency with student needs and expectations to ensure an optimal learning experience.
Copyright (c) 2025 Juliana Nasution, Rahmi Syahriza https://creativecommons.org/licenses/by-nc-sa/4.0
THE INFLUENCE OF APPLICATION GAMIFICATION AND DRIVER PERSONAL BRANDING ON GRAB APPLICATION ENGAGEMENT AMONG STUDENTS
Technological advancements have given rise to various new professions, one of which is online motorcycle taxi drivers, which facilitate people's activities. Grab, as one of the leading online transportation applications, continues to innovate to increase user engagement. This study examines the effect of application gamification and driver personal branding on Grab application user engagement, with a case study of students at the Faculty of Islamic Economics and Business (FEBI) of the State Islamic University of North Sumatra (UINSU). This study examines the effect of application gamification and driver personal branding on Grab application user engagement, with a case study of students at the Faculty of Islamic Economics and Business (FEBI) of the State Islamic University of North Sumatra (UINSU). A questionnaire was used to collect data with a quantitative causal associative approach from students who actively use Grab. The results of the analysis show that these two independent variables significantly influence user engagement. Application gamification, through elements such as points, cashback, voucher exchange, and level achievement, is proven to have a stronger influence in increasing user motivation and interaction. Meanwhile, driver personal branding, which includes professionalism and a positive image, also contributes significantly to increasing user trust and loyalty. Although gamification has a more dominant impact, the combination of both factors is crucial to provide a positive customer experience, which is engaging and sustainable, ultimately driving deeper engagement with the Grab platform.
Copyright (c) 2025 Rahmat Syahputra Boangmanalu, Nur Ahmadi Bi Rahmani, Nurul Inayah https://creativecommons.org/licenses/by-nc-sa/4.0
ANALYSIS OF REGIONAL FINANCIAL MANAGEMENT AND MINIMUM WAGES ON INCOME DISTRIBUTION INEQUALITY IN EAST JAVA
Economic development is a transformation process aimed at improving public welfare, but it often creates income distribution inequality that becomes a major challenge for both developed and developing countries. Regional financial management that applies the value for money concept can drive economic growth, thereby enhancing public welfare. Therefore, each region strives to achieve quality and equitably distributed economic development to address various existing socio-economic problems.This study aims to analyze terrelationship between fiscal decentralization as the degree of fiscal decentralization, Gros Regional Domestic Product (GRDP) at constant prices based on business fields, and minimum wages on income disteution inequality in East Java Province for the period 2009-2023. Time series data were obtained from the Central Statistics Agency and the Directorate General of Fiscal Balance, then analyzed using multiple linear regression method with the assistance of EViews version 12 software. The research results show that collectively, the vertables of fiscal decentralization, GRDP at constant prices based on business fields, and minimum wages significantly influence incomelistribution inequality. However, when examined partially, figgl decentralization has a positive and non-significant effect, GRDP constant prices has a positive and significant effect, while minimum wages have a positive and non-significant effect on income distribution inequality in East Java Province
Copyright (c) 2025 Vena Tri Pramita https://creativecommons.org/licenses/by-nc-sa/4.0
THE INFLUENCE OF BRANCHLESS BANKING AGENT MARKETING STRATEGY ON CUSTOMER INTEREST THROUGH SERVICE QUALITY
This study analyzes the influence of agent marketing strategiesbranchless banking on customer interest through the service quality of PT. Bank Mandiri (Persero) Tbk Area Kudus. The results show the influence of agent marketing strategies.branchless banking on the interest of customers of PT. Bank Mandiri (Persero) Tbk vKudus, this is proven by the t valuecount amounting to 3,192 > ttableof 1.655 with a significance level below 5%. The influence of the agent's marketing strategybranchless banking regarding the quality of service of PT. Bank Mandiri (Persero) Tbk Area Kudus, this is proven by the t valuecount amounting to 2,824 > ttableof 1.655 with a significance level below 5%. The influence of customer interest on the service quality of PT. Bank Mandiri (Persero) Tbk in the Area Kudus is proven by the t-valuecount amounting to 1,819 > ttableof 1.655 with a significance level below 5%. The influence of the agent's marketing strategybranchless bankingtowards customer interest through the quality of service of PT. Bank Mandiri (Persero) Tbk Area Kudus, this is proven by the F valuecount > Ftable.This can be seen from the F value.count of 8.227 > Ftableof 3.91 with a significance level below 5%
Copyright (c) 2025 akhmad helmie aditya, Joko Utomo, Supriyono Supriyono https://creativecommons.org/licenses/by-nc-sa/4.0
THE EFFECT OF LOAN ACCESSIBILITY AND FINANCIAL PLANNING ON ONLINE LOAN CONSUMER BEHAVIOR
The purpose of this study is to ascertain how State Islamic University of North Sumatra (UINSU) Faculty of Economics and Islamic Business (FEBI) students use online loan services in connection to loan accessibility and financial planning. The background of this study is the rise in student use of online loan services, which are typically used to finance lifestyle needs rather than necessities. Through purposive sampling, 100 students were chosen to take part in the survey for this associative quantitative study. SPSS version 25 and multiple linear regression were used for data analysis. Purposive sampling was used to select 100 students for this study, which employs an associative approach and survey method. A p-value of 0.000 and a regression coefficient of 0.638 demonstrate that loan accessibility has a significant and positive impact on consumer behavior. A regression coefficient of 0.438 and a p-value of 0.000 show that financial planning has a significant and advantageous effect. Both variables have a significant impact on consumer behavior, as evidenced by the significance value of 0.000 and the F-count value of 93.419 (which is higher than the F-table value of 3.09), respectively. With a coefficient of determination (R2) of 0.658, financial planning and loan accessibility account for 65.8% of the variation in student consumption patterns. The remaining 34.2% are affected by factors that are not part of the research model
Copyright (c) 2025 Afrian Andika Yumna, Nur Ahmadi Bi Rahmani, Nursantri Yanti https://creativecommons.org/licenses/by-nc-sa/4.0
IMPLEMENTATION OF A WAREHOUSE MANAGEMENT SYSTEM (WMS) TO IMPROVE OPERATIONAL EFFICIENCY
This study aims to analyze the implementation of Genesis, Lion Parcel's internal Warehouse Management System (WMS), in enhancing operational efficiency at the Gunung Krakatau Branch in Medan. The research method used is descriptive qualitative with a case study approach. Data was obtained through direct observation, semi-structured interviews with warehouse and operations staff, as well as internal company documentation. The research findings indicate that the implementation of Genesis has had a positive impact on several efficiency indicators, including faster sorting processes, improved stock recording accuracy, reduced human error, real-time data access, and enhanced operational reporting quality. The system has also contributed to a significant decrease in customer complaints. However, the implementation of Genesis also faces several challenges, such as human resource adaptation to new technology, reliance on internet connectivity, and the need for updated standard operating procedures (SOPs). Overall, the Genesis system holds great potential to be further developed as part of Lion Parcel's digital transformation in logistics management. Its implementation not only improves operational efficiency at the branch level but can also serve as a strategic digitalization model to be widely applied throughout the company’s distribution network.
Copyright (c) 2025 Sri Gusti Rezeki, Rahmi Syahriza, Nurbaiti Nurbaiti https://creativecommons.org/licenses/by-nc-sa/4.0
ANALYSIS OF INSTITUTIONAL REFORM OF THE INDONESIAN WAQF BOARD (BWI) AND PROBLEMS OF NATIONAL WAQF GOVERNANCE
This study aims to analyze the institutional challenges and direction of reform within the Indonesian Waqf Board (BWI) in managing national waqf. Although Indonesia has enormous waqf potential, with over 414,000 hectares of waqf land and approximately 420,000 nazhirs (Islamic trustees), the reality is that only about 10% of these assets have been managed productively. This study uses a qualitative approach with library research through analysis of academic literature, policy documents, and official reports from related institutions. The results indicate that the main problems lie in weak coordination between the central and regional BWI, limited human resource capacity, a lack of transparency and accountability, and low literacy and public trust in waqf management institutions. Furthermore, the implementation of waqf regulations has not been optimal due to lengthy bureaucracy and the absence of regulations that adapt to contemporary waqf innovations such as digital waqf and stock waqf. Comparisons with Malaysia and Turkey demonstrate that the success of productive waqf management is largely determined by institutional professionalism, strong regulatory support, and the integration of public policy with technology and the Islamic financial sector. Therefore, BWI institutional reform needs to focus on professionalizing nazhir (managers), digitizing the national waqf management system, and developing fiscal policies that encourage productive waqf innovation. These reforms are expected to strengthen transparent, accountable, and globally competitive national waqf governance to achieve the welfare of the community in accordance with the principles of maqāṣid al-syarī‘ah (the main objectives of Islamic law)
Copyright (c) 2025 Nurul Aulia Dewi, Tetty Handayani Siregar, Yenni Samri Juliati Nasution, Marliyah Marliyah https://creativecommons.org/licenses/by-nc-sa/4.0
ENHANCING LOCAL INNOVATION : THE ROLE OF MSMES IN BUILDING GLOBAL ECONOMIC RESILIENCE
This study aims to examine the role of Micro, Small, and Medium Enterprises (MSMEs) in improving the local economy in Madawau Village, Madapangga District, Bima Regency. MSMEs are one of the sectors that have a major contribution to national and local economic growth, especially in creating jobs, increasing community income, and encouraging village economic independence. The research approach used is qualitative with a phenomenological design, through in-depth interviews and observations of MSME actors and the local community. The results of the study show that MSMEs in Madawau Village are able to increase community income by 20-30% per year, create jobs, and encourage innovation and creativity in the village community. However, the development of MSMEs in this village still faces challenges both internally, such as limited capital, skills, and business management, and externally, such as market competition and access to financing. Therefore, support is needed from the government, financial institutions, and community participation in strengthening the MSME ecosystem so that it can become a driving force for a sustainable local economy.
Copyright (c) 2025 Abdul Hafid, Rafiuddin Rafiuddin, Dinah Husniah https://creativecommons.org/licenses/by-nc-sa/4.0