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All Journal Jurnal Manajemen Pelayanan Publik International Research Journal of Business Studies (E-Journal) Journal of Islamic Monetary Economics and Finance Community Development Journal: Jurnal Pengabdian Masyarakat Suluah Bendang: Jurnal Ilmiah Pengabdian Kepada Masyarakat Jurnal Kajian Manajemen dan Wirausaha Financial Management Studies
Yumna, Aimatul
Universitas Negeri Padang
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Public Health Social Sciences Transportation Other

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EXAMINING THE OUTREACH OF ISLAMIC CHARITY BASED MICROFINANCE PROGRAMMES: EMPIRICAL EVIDENCE FROM INDONESIA Aimatul Yumna; Matthew Clarke
Journal of Islamic Monetary Economics and Finance Vol 5 No 4 (2019)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v5i4.1111

Abstract

One of the advantages of using Islamic social funds is the increased ability of microfinance institutions to provide financial services to the poor. This study aims to (1) investigates the characteristics of the clients of the Islamic Charity Based Microfinance (ICBM) program; (2) test whether the clients ICBM program are more vulnerable than the non clients group (3) discuss the rationale of why poor excluded from the zakat based microfinance program. The study was conducted in the microfinance program at zakat institutions namely Baitul Maal Muamalat (BMMI), BAZNAS, and Baitul Maal Beringharjo (BMB). A total of 236 respondents including clients and non-clients of three case study institutions were participated in this study. The data is analyzed using binomial logit model to evaluate factors affecting clients participation in ICBM programs in Indonesia. The findings show that clients and non-clients of ICBM have a similar demographic profile and the majority ICBM clients live above the national poverty line, yet they live perilously close to the edge of the poverty line. Using logistic regression, this study found that the higher the client’s income level, the higher the probability of their being selected in the program. This findings contradict with the existing Islamic microfinance literature that claim ICBM institutions in general could demonstrate a capacity to extend their services more widely to the poorest if Islamic charity is the main source of microfinance funding. This study suggests some possible barriers to include the poor in the microfinance including institutional selection policy and self exclusion factors.
UNDERSTANDING THE FACTORS INFLUENCING BANKING CUSTOMERS’ FINANCIAL ASSET OWNERSHIP Aimatul Yumna; Joan Marta
Journal of Islamic Monetary Economics and Finance Vol 7 No 1 (2021)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v7i1.1330

Abstract

The objective of this study is to evaluate the factors which influence banking customers' financial asset ownership. Using the pyramid of Maslahah framework, the study classifies the needs of banking customers into four levels: those for basic financial services (hajjiyat); for financial assets for security or as a precaution (darruriyat); for financial assets for investment (tahsiniyah); and those for financial assets for religious purposes. To answer the research questions, a binomial logistic model was applied and the primary data were collected using a questionnaire survey with 300 respondents in Indonesia. It was found that the pattern of ownership of financial assets follows the order proposed in the theory of the pyramid of Maslahah. The study also found that financial asset ownership for transaction needs was mainly influenced by the variables of income and credit and that ownership of such assets for security or precautionary needs was largely determined by life cycle variables. In addition, ownership for investment needs was strongly influenced by the level of education, and for religious needs it was mainly determined by income levels and life cycle variables. The study findings provide important information for mapping the financial needs of Islamic banking customers.
The X-Efficiency of Shariah and Conventional Banking’s in Indonesia Aimatul Yumna
INTERNATIONAL RESEARCH JOURNAL OF BUSINESS STUDIES Vol 13, No 2 (2020): August-November 2020
Publisher : Universitas Prasetiya Mulya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This paper investigates the X-efficiency of fifteen commercial banks in Indonesia consisting of seven syariah banks and eight conventional banks. This study uses three stages of data analysis: non-parametric data envelopment analysis (DEA) approach, t-test, and multiple regression method. The results show that in the period of this study, both syariah and conventional banks in Indonesia have not reached the optimal level of efficiency. However, conventional banks obtain a higher level of allocative and total efficiency compared to syariah banks. The inefficiency of Islamic banks is stemed from allocative inefficiency rather than technical problems. The bank’s X-efficiency is significantly influenced by size, rather than number of banking channels and staff costs. This study provides important implications for syariah banking in order to improve X- efficiency and compete in the banking industry in Indonesia by focusing on the improvement of the combination of quality assets.Keywords: X-efficiency, DEA, Shariah and conventional banks* Universitas Negeri Padang, Jl. Prof. Dr. Hamka, Air Tawar Bar., Kec. Padang Utara, Kota Padang, Sumatera Barat 25171  https://doi.org/10.21632/irjbs.13.2.149-159
Dampak vaksinasi pertama covid-19 terhadap abnormal return dan trading volume activity pada perusahaan yang terdaftar dalam lq45 di bursa efek indonesia Nifta Ilmayanti; Aimatul Yumna
Jurnal Kajian Manajemen dan Wirausaha Vol 3, No 3 (2021): Jurnal Kajian Manajemen dan Wirausaha
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jkmw02114360

Abstract

The first Covid-19 vaccination event given to Mr. Joko Widodo as President of the Republic of Indonesia is an important event during the Covid-19 pandemic, and this event is considered to contain information that can affect the capital market. This information can provide a signal to investors in making their investment decisions. The signal can be a positive signal and sometimes it can be a negative signal. These two signals can certainly make the stock market react. To find out how the market reacts to these events, it can be seen from difference in abnormal returns and trading volume activity in the capital market. The event study in this research was conducted by observing the abnormal return and trading volume activity on the Indonesia Stock Exchange. And the samples in this study are companies listed in LQ45 on the Indonesia Stock Exchange. Because this research is based on event studies, it requires issuers that are liquid, so that measurements can be carried out immediately and produce relatively accurate results. Keyword : The first Covid-19 Vaccination Event, Abnormal Retutn, and Trading Volume Activity 
Literasi Halal Untuk Kesiapan Sertifikasi Halal Produk Pangan Olahan UMKM Kota Padang Dalam Mendukung Pariwisata Halal Sumatera Barat Hendri Andi Mesta; Aimatul Yumna; Yuki Fitria
Suluah Bendang: Jurnal Ilmiah Pengabdian Kepada Masyarakat Vol 22, No 2 (2022): Suluah Bendang: Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/sb.02890

Abstract

Tujuan dari kegiatan PKM ini adalah memberikan pengetahuan, pemahaman dan wawasan tentang pentingnya halal literacy, serta pendampingan bagi mitra dalam pengurusan sertifikasi halal. Khalayak sasaran program PKM ini adalah pelaku UMKM sektor makanan dan minuman di Kota Padang. Untuk mengetahui manfaat dari program, kegiatan PKM ini mengevaluasi literasi peserta pelatihan sebelum dan sesudah pelatihan. Setelah mengikuti pelatihan, terdapat peningkatan pemahaman literasi halal dari 76.05% menjadi 86.26%. Selanjutnya dilakukan pendampingan dalam pengurusan sertifikasi halal melalui layanan online. Diharapkan dengan meningkatnya pemahaman literasi halal dan sertifikasi halal, UMKM di Kota Padang mampu meningkatkan produktivitasnya guna mendukung pengembangan Sumatera Barat sebagai destinasi wisata halal di Indonesia
PENINGKATAN KOMPETENSI PERANGKAT NAGARI KOTO BARU SIMALANGGANG MELALUI PELATIHAN PENYUSUNAN LAPORAN KEUANGAN BERBASIS DIGITAL Elvi Rahmi; Aimatul Yumna; Deviani Deviani
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 4 No. 3 (2023): Volume 4 Nomor 3 Tahun 2023
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v4i3.17807

Abstract

Provinsi Sumatera Barat menggunakan istilah Nagari untuk menyebut desa, dimana nagari merupakan lembaga pemerintah dan sekaligus merupakan lembaga pemberdayaan masyarakat. Sebagai lembaga kesatuan masyarakat, nagari dituntut untuk mampu melaksanakan pemerintahan yang bersifat good governance. Sesuai UU No.6 tahun 2014, pemerintah desa memperoleh dana 10% dari total anggaran Pemerintah yang harus dikelola untuk program pengembangan desa. Untuk memastikan dana desa ini dimanfaatkan dengan baik, diperlukan suatu sistem pelaporan keuangan desa. Akan tetapi, penelitian sebelumnya menunjukkan bahwa perangkat nagari belum memiliki kompetensi yang belum memadai dalam mengelola dan melaporkan keuangan nagari secara baik dan akuntabel. Kegiatan PKM (Program Kemitraan Masyarakat) ini bertujuan untuk meningkatkan pengetahuan dan ketrampilan perangkat Nagari Koto Simalanggang untuk melakukan pencatatan laporan keuangan dana desa menggunakan aplikasi digital, terutama SISKEUDES. Kegiatan PKM dilaksanakan pada tanggal 5 Agustus 2023 bertempat di Kantor Wali Nagari Koto Baru Simalanggang  Kecamatan Payakumbuh Kabupaten Lima Puluh dihadiri oleh semua perangkat Nagari dan kepala jorong. Jumlah peserta pelatihan sebanyak 12 orang. Metode pelatihan yang diberikan berbentuk bimbingan terpadu, dimulai dengan melakukan pre-test terkait kemampuan peserta mengenai pengelolaan keuangan nagari, kemudian dilanjutkan dengan pemberian materi diselingi tanya jawab dan diskusi. Akhir pelatihan peserta melakukan post-test untuk mengukur peningkatan kompetensi peserta dalam memahami materi pelatihan yang diberikan. Setelah mendapatkan pelatihan dari kegiatan ini, dapat dilihat peningkatkan pemahaman dan ketrampilan perangkat Nagari secara signifikan. Hasil kegiatan PKM ini diharapkan dapat mewujudkan transparansi dan akuntabilitas pengelolaan keuangan desa.
Financing structure and bankruptcy risk in sharia commercial banks in Indonesia Ruri Anggoro -; Aimatul Yumna
Financial Management Studies Vol. 1 No. 2 (2021): Financial Management Studies
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jkmk.v1i2.13

Abstract

Purpose –The objective of examine the effect of the proportion level of profit-loss sharing financing to murabahah financing to the Islamic bank insolvency risk. Insolvency risk is measured by Zscore method Methodology–The samples of this study are 9 Islamic banks that consistenly published annual reports for OJK in the period 2011-2018. The data was analyzed using multiple linier regression model. Finding – The result show that the proportion level of profit-loss sharing financing to the non profit-loss sharing financing has no significant influence on islamic bank’s insolvency risk.
The Effect of Market Return, Rupiah Exchange Rate, and COVID-19 Cases on Stock Returns of Pharmaceutical Companies Listed on IDX Nike Antika Putri; Aimatul Yumna
Financial Management Studies Vol. 1 No. 4 (2021): Financial Management Studies
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jkmk.v1i4.51

Abstract

This study aims to determine the effect of Market Return, Rupiah Exchange Rate, and COVID-19 Cases on stock returns of Pharmaceutical sub-sector companies listed on the IDX. The population of this study amounted to 11 companies. The number of samples in this study was 9 companies which were determined based on the purposive sampling technique. This study uses quantitative research methods using secondary data. The data analysis technique used multiple linear regression. The results showed that simultaneously the return of the JCI, Rupiah Exchange, Daily Positive COVID-19 Cases, and Daily COVID-19 Death Cases had a significant effect on stock returns. While partially JCI returns have a significant effect to all pharmaceutical companies, the rupiah exchange rate only has a significant effect on stock returns for some issuers (DVLA, INAF, KLBF), positive COVID-19 cases only affect INAF returns, and daily COVID-19 death cases do not affect stock returns pharmacy.
Evaluation of the impact of Covid-19 on abnormal return of the socially responsible stocks and the most liquid stocks listed on IDX Yulia Rahmadini; Aimatul Yumna
Financial Management Studies Vol. 2 No. 1 (2022): Financial Management Studies
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jkmk.v2i1.57

Abstract

The COVID-19 pandemic has impacted the investment climate in the Indonesian capital market, thus impacting investors' decisions in choosing resilient stocks during the pandemic. Socially responsible stocks are considred to be more reliable during crisis compared to other stocks. This study aims to determine the difference between abnormal returns before and after the announcement of COVID-19 as a global pandemic by the World Health Organization on March 11, 2020, against the SRI-Kehati and LQ45 indexes. Sample selection using purposive sampling technique with a sample of 17 companies SRI-Kehati and 21 companies LQ45. The data analysis used were one-sample t-test, one-sample Wilcoxon signed-rank test, Paired sample t-test, and Independent sample t-test. The results of this study indicate that there are significant abnormal returns and significant differences in average abnormal returns for the two indices. There is no significant difference in average abnormal return SRI-Kehati with average abnormal return LQ45. So, the results show that SRI-Kehati shares are more attractive to investors during the pandemic.
The influence of profitability, offering size, firm size, financial leverage and sharia complaint status on initial return in IPO companies at the Indonesia stock exchange Sherly Oktavina Avindo sherly; Aimatul Yumna
Financial Management Studies Vol. 3 No. 2 (2023): Financial Management Studies
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jkmk.v3i2.133

Abstract

This study aims to determine the effect of profitability, offering size, firm size, financial leverage and sharia compliant status on the initial return of IPO companies listed on the Indonesian stock exchange in 2018-2021. The population in this study are companies that carry out initial public offerings (IPO) there are 217 companies listed on the Indonesian stock exchange in 2018-2021. The research sample consisted of 76 companies with the sampling technique using purposive sampling . The data analysis technique used to test the hypothesis is multiple linear regression using SPSS version 26.
Co-Authors Deviani Deviani Elvi Rahmi Hendri Andi Mesta Marta, Joan Matthew Clarke Nifta Ilmayanti Nike Antika Putri Ruri Anggoro - Sherly Oktavina Avindo sherly Yuda Prabowo Yuki Fitria Yulia Rahmadini