Profit Jurnal Kajian Ekonomi dan Perbankan Syariah最新文献

{"title":"Pembiayaan UMKM melalui Wakaf : Efektivitas Penyaluran Wakaf Produktif di Bank Wakaf Mikro Al-Fithrah Wava Mandiri Surabaya","authors":"Izza 'Ilma Salsabilah","doi":"10.33650/profit.v5i2.3110","DOIUrl":"https://doi.org/10.33650/profit.v5i2.3110","url":null,"abstract":"Bank Wakaf Mikro Al-fithrah wava mandiri adalah satu-satunya Bank Wakaf Mikro yang ada dikota Surabaya dan merupakan lembaga pengelola dana wakaf dari LAZNAS BSM Umat diperuntukkan untuk pembiayaan UMKM sekitar lingkungan pesantren. Tujuan dari penelitian ini untuk menganalisis apakah penyaluran wakaf oleh Bank Wakaf  Mikro  Al-Fithrah wava mandiri efektif atau tidak dalam memberikan pembiayaan bagi UMKM. Penelitian ini menggunakan penelitian kualitatif deskriptif dimana narasumbernya adalah 13 nasabah, untuk mengukur keefektivan menggunakan Teori Campbel dengan indikator pemahaman program, ketepatan sasaran, ketepatan waktu, tercapainya target dan tujuan yang telah ditetapkan serta dampak perubahan yang nyata. Hasil dari penelitian ini menunjukkan penyaluran wakaf di BWM Al-fithrah efektif dalam memberikan pembiayaan UMKM dikarenakan sudah memenuhi kesuluruhan tolak ukur dari Teori Campbel. Meskipun nasabah masih banyak yang belum mengetahui dana wakaf setidaknya mereka sudah mengetahui tujuan dan program dari Bank Wakaf Mikro Al-Fithrah.Kata Kunci : Efektivitas, Penyaluran Wakaf, Pembiayaan UMKM, Bank  Wakaf Mikro","PeriodicalId":33535,"journal":{"name":"Profit Jurnal Kajian Ekonomi dan Perbankan Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-01-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"89764499","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Millennial Generation Consumer Preferences and Perceptions of Halal Cosmetics (Case Study at Nurul Jadid Islamic Boarding School)","authors":"S. Saifuddin, S. Aisyah","doi":"10.33650/profit.v5i2.3028","DOIUrl":"https://doi.org/10.33650/profit.v5i2.3028","url":null,"abstract":"On cosmetic products, the halal label indicates a product made from ingredients that do not contain haram elements. The halalness of cosmetic products is also determined by the manufacturing process. Although using parts of animals that are categorized as halal, these animals must be ensured that they have been processed according to Islamic law. This study uses a qualitative descriptive method that aims to determine the preferences and perceptions of millennial consumers towards halal cosmetics at the Nurul Jadid Islamic Boarding School. The results of this study indicate that students or millennial generation consumers in Islamic boarding schools have the same preferences and perceptions of halal cosmetics, namely prioritizing the halalness of every cosmetic product that will be consumed, even though there are one or several of the students who use cosmetics whose halalness is not clear. But so far, the boarding school has guaranteed the halalness of every cosmetic product sold in the boarding school environment, because all the shops that operate in the boarding school environment have been confirmed to sell halal products that are allowed in Islam in accordance with the sharia.","PeriodicalId":33535,"journal":{"name":"Profit Jurnal Kajian Ekonomi dan Perbankan Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-12-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"81649826","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"PERAN PERBANKAN SYARIAH DALAM UMKM UNTUK MENGEMBANGKAN EKONOMI INDONESIA","authors":"Pramesti Harmar","doi":"10.33650/PROFIT.V5I1.2122","DOIUrl":"https://doi.org/10.33650/PROFIT.V5I1.2122","url":null,"abstract":"This research is descriptive qualitative using literature study obtained from several sources of secondary data, in the form of theories, reports, research results and others.It aims to analyze the role of Islamic banking in UMKM to  Indonesia's economic growth. Crisis conditions occurred during the period 1997 to 1998, only the UMKM (Micro, Small and Medium Enterprises) sector was able to remain strong after the economic crisis. The number of UMKM did not decrease, instead their growth increased . The efforts of Islamic banking in developing the country's economy include providing financing through micro, small and medium enterprises. As the government pays attention to the development of UMKM in Indonesia, sharia banking also participates in empowering these UMKM  which will then stimulate economic sectors and spur economic growth.","PeriodicalId":33535,"journal":{"name":"Profit Jurnal Kajian Ekonomi dan Perbankan Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-07-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"83064843","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"ANALISIS STRATEGI PEMASARAN TERHADAP KEPUASAN PELANGGAN OLSHOP ALBBIAID","authors":"Sasren Nelvi Nov Sovia, Dedy Umardi Satria Putra, I. Ilham","doi":"10.33650/PROFIT.V5I1.1567","DOIUrl":"https://doi.org/10.33650/PROFIT.V5I1.1567","url":null,"abstract":"AbstrakTujuan utama dari penelitian ini adalah untuk mengetahui strategi pemasaran online pada Online Shop Albbia.id guna untuk menarik konsumen, mengetahui taktik apa saja dalam berbisnis dan meningkatkan penjualan melalui berbagai pemasaran digital teknik, serta faktor pendukung dan penghambat strategi pemasaran pada Online Shop Albbia.id. Penelitian ini menggunakan penelitian survey dengan narasumber Labiba Bachmid sebagai pemilik Online Shop Albbia.id bisnis mandiri berbasis online dengan memanfaatkan media sosial. Terdapatberbagai macam produk, yaitu Pakaian Wanita, Organizer, Peralatan Rumah Tangga, dan berbagai macam model Tas. Penelitian ini memberikan gambaran tentang apa yang menjadi dasar pemilihan media, strategi, pemilihan segmen, kelebihan dan kelemahan, serta kegagalan apa yang pernah dialami dalam menjalankan usaha bisnis online. Harapan yang diinginkan dari hasil penelitian ini adalah menjadi acuan bagi calon pelaku khususnya anak muda dalam pemasaran online. Sehingga kedepan dapat mengambil contoh yang baik danmelengkapinya menjadi strategi yang lebih dahsyat.Kata kunci: usaha kreatif, pemasaran digital, pemasaran online","PeriodicalId":33535,"journal":{"name":"Profit Jurnal Kajian Ekonomi dan Perbankan Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-07-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"83102015","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"ANALISIS TINGKAT KESEHATAN KINERJA KEUANGAN PERBANKAN SYARIAH MELALUI METODE RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, CAPITAL) TAHUN 2015-2019 (Studi pada PT Bank Syariah Bukopin (Persero) Tbk)","authors":"Rizka Alfi Nur Aini, Muhammad Iqbal Surya Pratikto","doi":"10.33650/PROFIT.V5I1.1998","DOIUrl":"https://doi.org/10.33650/PROFIT.V5I1.1998","url":null,"abstract":"ABSTRAKSektor Perbankan di Indonesia memegang peranan penting dan menjadi urat nadi bagi perekonomian. Sesuai dengan UU No. 10 Tahun 1998, tujuan dari perbankan di Indonesia yaitu meningkatkan pembangunan nasional dan pertumbuhan ekonomi sebagai upaya untuk mensejahterakan rakyat. Sisterm operasional bank harus mempertimbangkan aspek risiko yang mungkin timbul. oleh karena itu, prinsip kehati-hatian wajib diterapkan utamanya pada perbankan syariah. Pengelolaan tersebut akan besar pengaruhnya terhadap kesehatan bank. PT.Bank Syariah Bukopin (persero) Tbk. merupakan bank yang menyediakan Produk dan Layanan terbaik sesuai dengan Prinsip Syariah yang bermula masuknya konsorsium PT Bank Bukopin. Tujuan dari penelitian ini adalah untuk mengetahui tingkat kesehatan kinerja keuangan pada PT. Bank Syariah Bukopin tahun 2015-2019 dengan menggunakan metode RGEC. Jenis penelitian ini yaitu penelitian kuantitatif deskriptif dengan metode RGEC dalam menganalisis laporan keuangan. Hasil penelitian jika dilihat dari rasio Risk Profile perusahaan dapat dikategorikan cukup sehat dan bank Syariah bukopin sudah baik dalam menangani masalah kredit macet. untuk rasio Good Corporate Governance kinerja perusahaan sangat baik dan berarti manajemen tidak melakukan pelanggaran selama kurun waktu 2015-2019 dan untuk Rasio Earning kinerja perusahaan masih belum cukup baik sehingga diperlukan adanya kebijakan baru guna meningkatkan kesehatannya. Untuk rasio Capital kondisi perusahaan dapat dikategorikan sangat sehat artinya bank mampu memenuhi segala kewajiban dengan modal yang cukup.Kata Kunci : Perbankan, Kesehatan Bank, Metode RGEC, Bukopin Syariah","PeriodicalId":33535,"journal":{"name":"Profit Jurnal Kajian Ekonomi dan Perbankan Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-07-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"89228410","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"PENGARUH HARGA, KUALITAS PRODUK, DAN KUALITAS LAYANAN LAPTOP ASUS TERHADAP KEPUTUSAN PEMBELIAN KONSUMEN","authors":"R. Faisal, Ilham M. Kom","doi":"10.33650/PROFIT.V5I1.1526","DOIUrl":"https://doi.org/10.33650/PROFIT.V5I1.1526","url":null,"abstract":"Keputusan Pembelian merupakan suatu keputusan yang ada dalam diri kita sendiri untuk melakukan suatu tindakan satu atau dua pilihan secara alternatif. Faktor – faktor yang bisa mempengaruhi keputusan pembelian terhadap suatu produk seperti harga, kualitas produk, dan kualitas layanan yang sangat berpengaruh terhadap tingkat keputusan pembelian. Produk Laptop Asus ini memiliki spesifikasi yang bisa menarik daya beli masyarakat karena Laptop Asus ini harganya sangatlah terjangkau ditambah lagi dengan fitur, desain dan juga kualitas dari produknya yang sangat baik. Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh harga, kualitas produk, dan kualitas layanan terhadap keputusan pembelian Laptop Asus. Penelitian ini populasinya saya ambil dari Mahasiswa UINSA yang sudah pernah membeli dan memakai Laptop Asus sebelumnya. Sampel dalam penelitian ini sebanyak 50 responden. Variabel yang digunakan dalam penelitian ini yaitu variabel harga ( x1 ), kualitas produk ( x2 ), dan kualitas layanan ( x3 ). Penelitian ini menggunakan metode kuantitatif yaitu regresi linier berganda.","PeriodicalId":33535,"journal":{"name":"Profit Jurnal Kajian Ekonomi dan Perbankan Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-07-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"84013679","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Strategi Peningkatan Mutu Pelaku Usaha Mikro, Kecil Menengah (UMKM) Dalam Rangka Mengembangkan Inovasi Produk dan Kepuasaan Pelanggan (Studi Kasus Pada ATAP BIRU DRINK & FOOD Sidoarjo)","authors":"Muhammad Arif Billah, Ilham M. Kom","doi":"10.33650/PROFIT.V5I1.1543","DOIUrl":"https://doi.org/10.33650/PROFIT.V5I1.1543","url":null,"abstract":"Persaingan antar dunia usaha yang tinggi  khususnya dibidang kuliner sehingga pelaku usaha dituntut untuk memberikan kepuasan kepada pelanggan. Bisnis akan meningkat keuntungannya jika perusahaan tersebut mampu beroperasi dengan efisien, dengan biaya efektif, menghindarkan pemborosan dan kerja ulang (rework), dan memastikan bahwa semua kegiatan diarahkan pada upaya memuaskan kebutuhan pelanggan. Apabila kualitas produk yang dihasilkan baik maka konsumen akan cenderung untuk melakukan pembelian ulang sedangkan bila kualitas produk tersebut tidak sesuai dengan yang diinginkan konsumen maka akan mengalihkan pembelian berikutnya pada produk lain yang sejenis. Penelitian ini bertujuan : (1) Untuk mengetahui inovasi produk yang dibuat oleh pelaku UMKM Atap Biru Drink & Food. (2) Untuk mengetahui Strategi dalam meningkatkan kepuasaan pelanggan Atap Biru Drink & Food.Penelitian ini dilakukan di Atap Biru Drink & Food dengan menggunakan metode penelitian deskriptif dengan melakukan observasi. Metode pengumpulan data yang digunakan adalah metode penelitian lapangan dan kepustakaan. Untuk menganalisis data dari lapangan, digunakan metode deskriptif Hasil penelitian menunjukkan bahwa Terdaftar memiliki Surat Keterangan Usaha yang dikeluarkan oleh instansi pemerintahan terkait sehingga menambah nilai positif bagi keberlangsungan suatu usaha Dalam meningkatkan jumlah peningkatan pembelian Atap Biru Drink Bekerja sama dengan Holding BUMN Pegadaian, yakni dengan pembelian 2 minuman all variant menu mendapatkan Buku Tabungan Emas senilai 50 Ribu. Sangat berbeda dengan usaha-usaha nama lain yang sejenisSaran yang diberikan peneliti kepada Atap Biru Drink & Food  adalah dengan mengetahui hasil dari penelitian strategi peningkatan mutu pelaku UMKM maka diharapkan agar Atap Biru Drink & Food Penambahan tempat duduk yang masih kurang dalam pengantrian pembelian .Penambahan karyawan/ tenaga baru dalam satu outlet agar mempercepat transaksi pembelian. Jam buka operasional yang konsisten pukul 15.00- 23.30 karena pada saat penelitian ditemukan konsumen memberikan informasi hal itu membuat prasangka tutup outlet pada hari itu juga.","PeriodicalId":33535,"journal":{"name":"Profit Jurnal Kajian Ekonomi dan Perbankan Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-07-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"89575541","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"ANALISIS PENGGUNAAN ISTIHSAN DALAM TRANSAKSI JUAL BELI VIA VENDING MACHINE","authors":"Salimadin Salimadin","doi":"10.33650/PROFIT.V4I2.1646","DOIUrl":"https://doi.org/10.33650/PROFIT.V4I2.1646","url":null,"abstract":"Method used by the scholars, especially among Hanafiyah, not separated from it, with the rapid development of science and technology istihsan was born as a solution in the determination of new laws that do not yet have provisions both in the text of Istihsan is a determination method of Islamic law based on the principle of Qur’an and Hadith and based on Islamic Shari'a purpose. istihsan itself to apply a the Qur'an and Hadith, as for new cases that require answers to the determination of the law including in the field of muamalah such as buying and selling online and shopping in supermarkets. In contemporary finance and economics such cases require legal settlement, the istihsan here is present and serves as a solution to the settlement of the law in permissibility or not a transaction contract based on tradition of modern humans.","PeriodicalId":33535,"journal":{"name":"Profit Jurnal Kajian Ekonomi dan Perbankan Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2020-12-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"89397138","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"STRATEGI PENINGKATAN PROFIT USAHA RITEL PADA PONDOK PESANTREN","authors":"M. Rifa’i","doi":"10.33650/PROFIT.V4I2.1635","DOIUrl":"https://doi.org/10.33650/PROFIT.V4I2.1635","url":null,"abstract":"Increasing retail business profit is the main goal in trading business management. The implication is to contribute to the welfare and development of other retail businesses. However, not all managers can focus on increasing profits for the retail businesses they manage. Many of these efforts are just running away but have not met the required targets, due to various reasons that have developed. Of course, in this case it is necessary to find a solution by learning through research in order to find effective and efficient strategies to do in increasing retail business profits.This study aims to describe the strategy to increase retail business profit at MJ Swalayan at Al-Mashduqiah Kraksaan Islamic Boarding School, Probolinggo. The research approach is qualitative with the type of case study. Using in-depth interviews, participant observation, and documentation as data collection techniques. While the data analysis technique applied is the Miles and Huberman model using data reduction, data presentation, drawing conclusions and data verification. By testing the validity of the data through credibility with the source triangulation technique.The results show that in order to increase retail business profit, MJ Swalayan management uses the following strategies; recruitment and selection of Professional HR, implementing SOP (Standard Operating Procedure) for retail services, implementing controlling, ideal merchandising, completing merchandise, establishing cooperation, implementing automatic retail and wholesale pricing systems, implementing low pricing determination, FGC (Focus Group Discussion) on a regular basis , and direct response and problem solving.","PeriodicalId":33535,"journal":{"name":"Profit Jurnal Kajian Ekonomi dan Perbankan Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2020-12-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"81880239","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Telaah Mudharabah At-Taawuniyah pada Asuransi BPJS Perspektif Ekonomi Syariah","authors":"Kholifatul Amanah, Lilik Rahmawati, Rajabiyah Khoirotin Ni’mah, Shakilla Husnia Al Fadhilah, Ully Amaliyah Butar Butar","doi":"10.33650/PROFIT.V4I2.1645","DOIUrl":"https://doi.org/10.33650/PROFIT.V4I2.1645","url":null,"abstract":"The Social Security Organizing Body or ordinary people used to call it BPJS is a state-owned legal entity whose job is to organize social security programs. When a social security program is managed by an institution, such as the BPJS, then the principle of al-takmin al-ta'awuni should be applied. And to implement these principles a Sharia Unit is needed. The purpose of this paper is to find out how BPJS is viewed in the perspective of Islamic Economics. The method used in this paper is a qualitative research method where the author uses field notes, interviews, and personal documents and other documents as a support in the results of this paper using descriptive data collection techniques that examine the data with the arrangement of words not with data number. Seen from the perspective of Islamic Economics, the contract on the manager of BPJS in Islamic economics can be known as mudharabah at-ta'awuniyah, which is a cooperation agreement to bear each other or risk each other with the principle of help-helping and mutual assistance. This has been included in one of the principles of Islamic Economics, namely mutual help.","PeriodicalId":33535,"journal":{"name":"Profit Jurnal Kajian Ekonomi dan Perbankan Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2020-12-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"80234688","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}