Profitability is a key indicator in assessing the financial performance and operational sustainability of a bank. However, during the 2021-2023 period, the Islamic banking industry in Indonesia faced various challenges, especially regarding operational efficiency and financing management. This challenge can be seen from the unstable value of the Net Operating Margin (NOM), the high ratio of Operating Expenses to Operating Income (BOPO), and the imbalance in the Financing to Deposit Ratio (FDR). This study uses a quantitative approach with secondary data from the annual financial statements of Islamic Commercial Banks for the 2021-2023 period which are accessed through the OJK official website. The object of research includes all Islamic Commercial Banks operating during this period, with a sample of 10 banks selected through purposive sampling method. The data were analyzed using IBM SPSS version 30.0 in 2024 with descriptive statistical analysis techniques, classical assumption tests, multiple linear regression, hypothesis testing, and coefficient of determination (R²) tests. The results of this study indicate that partially the Net Operating Margin (NOM) variable has a significant effect on Profitability (ROA). While the variable Operating Cost of Operating Income (BOPO) and Financing to Deposit Ratio (FDR) has no effect on Profitability (ROA).

Student work readiness is very important to face the dynamic world of work, students need to prepare for various challenges in the world of work, such as tight competition, high job demands, and rapid technological changes. This study aims to determine whether Self-Efficacy and Digital Skills partially and simultaneously affect Work Readiness to Face the Era of Society 5.0 in Islamic Banking Students of UIN Raden Fatah Palembang Class of 2021. The research method used is a quantitative approach. The sample in this study was 100 respondents with a sampling technique using random sampling with data measurement using a likert scale. Questionnaires were given to respondents and data analysis was carried out using SPSS 27 software. The results of this study indicate that partially the self-efficacy variable has an influence on the work readiness of islamic banking students with a significance value (sig) of 0.001 < (?) 0.1, and the digital skills variable has an influence on the work readiness of islamic banking students with a significance value (sig) of 0.002 < (?) 0.1. Meanwhile, simultaneously, self-efficacy and digital skills have a positive and significant influence on the work readiness of islamic banking students with a significance value (sig) of 0.000 < (?) 0.1.
 

This research aims to determine the influence of prestige and social environment on the interest of Islamic Banking Department students at UIN Raden Fatah Palembang to work in Islamic banks. Prestige and social environment are two factors that are thought to influence students' interest in working in Islamic banks. This research used a quantitative method with an incidental sampling technique using the Slovin formula to obtain 93 samples. Data was collected through questionnaires and analyzed using the PLS (Partial Least Square) analysis technique via SmartPls. The results of the research show that the Prestige variable obtained a t-statistical value of 4.349 > 1.96 with a p-value of 0.000 < less than the significance level of 0.05, so it can be explained that prestige has a positive and significant effect on student interest and the Social Environment variable obtained a t-value statistics 2,931 > 1.96 with a p-value of 0.004 < less than the significance level of 0.05, so it can be explained that the Social Environment has a positive and significant effect on students' interest in working in sharia banks. The conclusion of this research is that prestige and the social environment influence the interest of students from the Sharia Banking Department at UIN Raden Fatah Palembang to work in a sharia bank. The higher the prestige of a job and the more supportive the social environment, the higher the student's interest in working in a sharia bank.