Article Per Year (5 Year)
p-Index From 2019 - 2024
1.978
P-Index
This Author published in this journals
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

Published : 11 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search
Journal : Journal of Islamic Monetary Economics and Finance

 1 
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.
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