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All Journal EQUILIBRIUM Jurnal Ilmiah Manajemen dan Bisnis (JIMB) Agregat: Jurnal Ekonomi dan Bisnis Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam SYUKUR (Jurnal Inovasi Sosial dan Pengabdian Masyarakat) Abdimas Umtas : Jurnal Pengabdian kepada Masyarakat Iqtishoduna: Jurnal Ekonomi Islam Jurnal Manajerial International Journal of Trends in Accounting Research Jumat Pendidikan: Jurnal Pengabdian Masyarakat Journal Of Human And Education (JAHE) Equilibrium: Jurnal Ekonomi Syariah Bumi: Jurnal Hasil Kegiatan Sosialisasi Pengabdian Kepada Masyarakat IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita IJEFSD
Ummu Salma Al Azizah
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Analysis Of Market Anomalies For Stock Returns At Lq45 Companies In Indonesia Faizal Ridwan Zamzany; Rizka Utami Purwaningsih; Ummu Salma Al Azizah
Agregat: Jurnal Ekonomi dan Bisnis Vol. 4 No. 2 (2020)
Publisher : Universitas Muhammadiyah Prof. DR HAMKA.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/agregat_vol4/is2pp212-231

Abstract

This study examines the effects of the market anomaly on Indonesia's LQ45 companies' stock returns. This research uses descriptive and comparative methods with a quantitative approach. Data processing and analysis techniques include quantitative analysis in multiple linear regression analysis without interception (through multiple regression). The variables used in this study are dummy variables. The dependent variable of this study is daily stock returns. The results showed that The Day of The Week Effect affected stock returns. The Week Four Effect variable shows that the lowest return (negative) on Monday in LQ45 is not concentrated on Monday the last two weeks of each month. The Monday Effect variable indicates that it is not only negative Friday returns that drive negative Monday returns. The Rogalsky Effect variable indicates there was no Rogalsky Effect in April.
Model Solusi Efektif Stabilitas Pasar Syariah Yadi Nurhayadi; Rito Rito; Ummu Salma Al-Azizah
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 2 No. 1 (2018): Juni
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (942.508 KB) | DOI: 10.22236/alurban _vol2/is1pp92-106

Abstract

The Research will confirm that the differences between the Islamic Economic System and the Conventional Economic System should generate differences between the sharia market and the conventional market. Conventional Market clearly is influenced by banking interest rate, speculation, and permit gambling, disobedience, and other bussiness that are prohibited by Islamic values. However, Sharia Market should be free from banking interest rates, speculation, and not permit gambling, disobedience, and other bussiness that are prohibited by Islamic values. Through bivariate and multivariate analysis, the research conducted regression, correlation, and determination test to know whether conventional market influence on sharia market. The analysis is based on the investigation of Indonesia Stock Exchange datas from December 2006 to May 2017. In these cases, Jakarta Stock Exchange (JSX) Composite Index (Indeks Harga Saham Gabungan (IHSG)) and Jakarta Stock Exchange Liquid Index (LQ45) are classified as conventional market. Meanwhile, Sharia Market is represented by Jakarta Islamic Index (JII) dan Indonesia Sharia Stock Index (ISSI). The results show that Conventional Market has a strong and positive correlation with Sharia Market, which indicates that sharia market runs together with conventional market with the same character, in other words sharia market is still influenced mainly by banking interest rate and speculation. The research will observe specifically at the fluctuations of sharia stocks at JII and ISSI compared with the fluctuations of conventional stocks on IHSG and LQ45. The reseach quantitative methods are Least Square Bivariate Analysis dan Multivariate Analysis, serta Pearson product-moment correlation and determination coefficient. The next steps, the research will also accurately investigate the list of issuers on IHSG, LQ45, JII, and ISSI, and compare the specific sharia issuers with non-sharia issuers, so that the classification of IHSG and LQ45 as conventional market is corrected. Based on the results of the analysis of regression, correlation, determination, and investigation of datas, the research will formulate model of effective solution of sharia market stability.
Pelatihan Akuntansi bagi Entitas tanpa Akuntabilitas Publik Berbasis Usaha Mikro pada PKK RW 06 Kelurahan Serdang Jakarta Pusat Mulyaning Wulan Wulan; Ummu Salma Al Azizah
SYUKUR (Jurnal Inovasi Sosial dan Pengabdian Masyarakat) Vol. 1 No. 1 (2018): April
Publisher : Faculty of Economics and Business, University of Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1476.331 KB) | DOI: 10.22236/syukur_vol1/is1pp81-89

Abstract

The role of government in the development of Micro Small and Medium Enterprises (MSMEs) has been proven by the issuance of Financial Accounting Standards for Non Public Accountantless Entities as well as Accounting Standards for Micro, Small and Medium Enterprises (MSMEs Standard) issued by the Indonesian Institute of Accountants (IAI). The application of standards that have been made by the government requires the right mediator. The most higher education institutions (universities) have human resources (HR) that can help the government to transfer the information. This can be done through Community Service which is one of the Tri Darma Program in University. In general problems in business management for micro enterprises are very diverse. The problems that occur include: marketing (marketing), financing, location, security and making simple financial statements for their entity. Training of financial statement preparation is an offer to answer the problem. The number of micro enterprises in RW 06 area is potential to be assisted by the financial management. Good management requires the support of the business report, in this case is the financial statements. Society needs knowledge to make reporting in accordance with existing standards.
IMPLEMENTASI AKUNTANSI DAN MANAJEMEN BAGI PENGUSAHA RENGGINING DESA KOLEANG, KECAMATAN JASINGA, BOGOR Mulyaning Wulan; Ummu Salma Al Azizah
SYUKUR (Jurnal Inovasi Sosial dan Pengabdian Masyarakat) Vol. 2 No. 1 (2019): April
Publisher : Faculty of Economics and Business, University of Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (536.147 KB) | DOI: 10.22236/syukur_vol2/is1pp30-36

Abstract

Koleang Village is located in jasinga District, West Java. With a population of approximately 5,000 residents, Koleang is the most populated village of its population compared to other villages in the vicinity such as Karundang, Cicanggong, Silongong, Sampalan Kadu, Cisarua and other villages. Traditional food makers, namely Renggining and Dapros, snack-shaped foods are one of the drivers of the economy for most of the Koleang people. However, it is very regrettable that the lack of understanding of the people about the importance of good financial management has made the efforts that they have made for livelihoods for years difficult to develop. PKM Team from Muhammadiyah University Prof., DR Hamka, is also a lecturer who has a dedication to carry out the Chess Darma College. It is expected that through the training held can increase accounting capabilities through training in financial report making. In addition, business operators are expected to have the ability to manage their business, especially in innovation and marketing. Keywords: Micro Business, Internet-based Marketing, Business Management, Community Service (PKM)
Analisis Faktor Penerbitan Obligasi Syariah (Sukuk) dan Penerbitan Saham Syariah Terhadap Kinerja Perusahaan di Jakarta Islamic Index 70 Bella Jastacia; Ummu Salma Al Azizah; Rito Rito
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 10 No. 2 (2021): October
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (689.957 KB) | DOI: 10.36835/iqtishoduna.v10i2.1073

Abstract

This study aims to analyze the effect of the issuance of Islamic bonds (sukuk) and the issuance of Islamic stocks on company performance in the Jakarta Islamic Index 70. The issuance of Islamic bonds and Islamic stocks is an alternative for companies to obtain a capital structure in carrying out company operations and is expected to improve the company's performance. In terms of financial performance through Return On Assets (ROA), company stakeholders optimize Islamic capital market products to increase Islamic financial inclusion. Besides, it attracts investors to invest. This study uses a quantitative descriptive method, secondary data from companies listed in the Jakarta Islamic Index 70 years 2018-2020 using a purposive sampling method with Tobin's analysis and company age into 15 samples. Testing the hypothesis model using the classic assumption test and multiple regression tests to test the market reaction to the issuance of Sukuk and Islamic shares on the issuance variable using the issuance value, the number of shares outstanding, company leverage, company size, total debt, and company managerial ownership. The research resultsstated thatReturn on Assets (ROA) was affected bythe issuance value variable and the company's leverage in 0.00192 and 0.0373. The variables of the number of outstanding shares, total debt, firm size, and managerial ownership do not affect the value of ROA. However, all variables have a significant effect on the ROA value. The result shows that the issuance of Islamic bonds and Islamic stocks affects the company's performance.
The Effect of Size, Market Risk, Operational Risk, Liquidity Risk, and Credit Risk on Profitability in Banks in the KBMI 3 AND KBMI 4 Categories For The 2017-2021 Muhamad Tri Saputro Putro; Nur Hadiyazid Rachman; Ummu Salma Al-Azizah
INTERNATIONAL JOURNAL OF TRENDS IN ACCOUNTING RESEARCH Vol. 3 No. 2 (2022): International Journal of Trends in Accounting Research (IJTAR)
Publisher : Asosiasi Dosen Akuntansi Indonesia

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

Abstract

This study aims to analyze the effect of firm size, market risk, operational risk, liquidity risk, credit risk on banking profitability in the category of KBMI 3 and KBMI 4 for the 2017-2021 period. The method used is quantitative. The data processing technique used Eviews 12, namely statistical analysis and panel data regression analysis. The data is taken from financial reports at OJK and bank websites. The results obtained from this study are that the panel data regression calculation used in this study, the Fixed Effect Model (FEM) is the best model compared to other models. Partially the size value has an influence on profitability, NIM (Net interest Margin) has an influence on profitability, BOPO (Operating Costs and Operating Income) has no effect on Profitability, LDR (Loan To Deposit) has an influence on Profitability, NPL (Non Performing Loans) ) has no effect on Banking Profitability in Indonesia. And simultaneously Size, NIM, BOPO, LDR, NPL have an influence on Banking Profitability in Indonesia.
Pelatihan Kompetensi Literasi dan Numerasi Guru sebagai Penguatan Menghadapi Kurikulum Merdeka Leni Marlena; Wahidin Wahidin; Ummu Salma Al Azizah
Jumat Pendidikan: Jurnal Pengabdian Masyarakat Vol. 3 No. 3 (2022): Desember
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat UNWAHA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/abdimaspen.v3i3.2844

Abstract

Mulai tahun 2022, Kurikulum Merdeka dapat diterapkan oleh satuan pendidikan meskipun bukan Sekolah Penggerak, mulai dari TK-B, SD dan SDLB kelas I dan IV, SMP dan SMPLB kelas VII, SMA dan SMALB dan SMK kelas X. Selain itu sejak tahun 2021, UN diubah menjadi Asesmen Kompetensi Minimum (AKM) dan Survei Karakter, yang terdiri dari kemampuan bernalar menggunakan bahasa (literasi), kemampuan bernalar menggunakan matematika (numerasi), dan penguatan pendidikan karakter. Padahal peringkat Indonesia pada kemampuan literasi, numerasi, dan sains berdasarkan hasil TIMSS dan PISA selama 18 tahun tidak mengalami peningkatan yang signifikan, Indonesia selalu berada di peringkat 10 terbawah pada hasil tes PISA. Menghadapi kurikulum Merdeka ini, Guru harus mampu mengajar berbasis kemampuan literasi dan numerasi, karena hal ini lah yang menjadi indikator dalam penilaian berbasis AKM dan PISA. Apabila Guru menguasai literasi dan numerasi, maka guru dapat menyampaikan materi – materi terkait literasi dan numerasi dengan jelas dan benar. Guru diharapkan berinovasi mengembangkan kompetensi siswa melalui berbagai pelajaran melalui pengajaran yang berpusat pada siswa. Pada kegiatan program kemitraan masyarakat ini, pengabdi bekerja sama dengan SMPN 210. Pengabdi memberikan materi mengenai pembelajaran berbasis literasi dan numerasi. Selama program pengabdian berlangsung, Guru diberikan pengetahuan mengenai literasi dan numerasi yang bermanfaat untuk menambah kompetensi literasi dan numerasi Guru.
Memaparkan Strategi Dan Motivasi Ide Bisnis Online Bagi Siswa/I SMA IT Tunas Bangsa Ummu Salma Al Azizah; Darra Dinanti Firmansyah; Nawal Belindawati; Galuh Azizah Ramadhanty; Rindah Aisyah
Journal Of Human And Education (JAHE) Vol. 3 No. 2 (2023): Journal Of Human And Education (JAHE)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jh.v3i2.168

Abstract

Dalam dunia pendidikan, para pelajar mempunyai kewajiban untuk menuntut ilmu. Namun, kadang kala rasa jenuh sering menghampiri. Maka dari itu mereka melakukan kegiatan diluar aktivitas belajar dengan menjalankan bisnis online. Bisnis Online merupakan suatu aktivitas bisnis baik jasa maupun barang yang ditawarkan melalui media internet, mulai dari negosiasi hingga kegiatan transaksinya. Kegiatan ini bertujuan untuk pembekalan siswa/i SMAIT Tunas Bangsa agar berani memulai bisnis online karena zaman semakin berkembang, dibuktikan dengan maraknya pedagang yang beralih ke e-commerce karena banyaknya peminat belanja online yang dianggap lebih praktis dan mudah dijangkau. Metode penelitian yang digunakan adalah metode Pendidikan yaitu Participatori Rural Appraisal (PRA) yang merupakan metode interaktif, partisipatif, dan eksploratif. Hasil kegiatan Pengabdian kepada Masyarakat (PKM) menunjukan bahwa, rata-rata dari mereka ingin mempunyai bisnis di bidangnya masing-masing, akan tetapi mereka kesulitan untuk mengembangkan idenya dan mereka belum mengetahui srategi apa yang harus mereka lakukan agar bisnisnya tetap berkembang.
The Determinants of SMEs Intention to Adopt Sharia Crowdfunding for Financing Solutions Alvina, Chintia; Sumardi, Sumardi; Al Azizah, Ummu Salma
EQUILIBRIUM Vol 12, No 1 (2024): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v12i1.26125

Abstract

This study aims to identify the variables that influence SMEs' decisions to use sharia crowdfunding in Indonesia as a source of funding. This research focuses on SMEs in Indonesia, which are rarely investigated in the existing literature on sharia crowdfunding. In addition, this study applies the technology acceptance model (TAM), which has not been widely used to identify factors that encourage the adoption of sharia crowdfunding. This study also employs non-probability sampling techniques in conjunction with a quantitative methodology. The data in this study were obtained through a questionnaire survey of 293 respondents obtained from SME owners and managers. The data analysis was conducted using PLS-SEM, while data processing was executed using SmartPLS 3.0. This research assists the government in designing programs and policies to encourage the expansion of SMEs in Indonesia through funding solutions with sharia crowdfunding. Therefore, SMEs have no difficulty in securing funding for their business.
Adoption of Fintech Services for Sharia Bank Users in Indonesia: An Extended TAM Approach Pahlevi, Reza; Zulpahmi, Zulpahmi; Al-Azizah, Ummu Salma; Hasibuan, Anni Aisyah
EQUILIBRIUM Vol 11, No 1 (2023): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v11i1.19641

Abstract

This study proposes a technology acceptance model (TAM) in combination with perceived risk, brand image, sharia compliance, and government support as factors that determine trust to analyze how users adopt fintech services. The research method uses a quantitative approach using non-probability sampling technique. A structured questionnaire was distributed to active customers of Islamic banks in Indonesia, and 357 respondents who met the standards participated. A structural equation model (SEM) was used in the data analysis to test the hypotheses regarding all latent variables and their relationships. The results of the study show that usefulness, ease of use, and brand image of fintech services significantly influence users' attitudes toward fintech adoption. However, trust, perceived risk, and government support do not significantly influence users' attitudes toward adopting fintech. Moreover, attitude and shariah compliance have a significant effect on users' intention to adopt fintech services. This study adds to the existing literature on fintech service adoption by providing a comprehensive overview of the determinants of user attitudes by combining the concepts of trust in fintech services with TAM.
Co-Authors Alvina, Chintia amar, faozan Angga Eko Prasetio Banowati, Aninda Tri Bella Jastacia Darra Dinanti Firmansyah Daulay, Yusdi Eti Rohaeti Eti Rohaeti Faizal Ridwan Zamzany Galuh Azizah Ramadhanty Hasibuan, Anni Aisyah Krisnanto, Naufal Leni Marlena Meita Larasati MIRA AFRIANI Muhamad Tri Saputro Putro Mulyaning Wulan Mulyaning Wulan Wulan Naufal Krisnanto Nawal Belindawati Nur Hadiyazid Rachman REZA PAHLEVI Rindah Aisyah Rito Rito Rito Rito Rito, Rito Rizka Utami Purwaningsih Sumardi . Tohirin Tohirin  Wahidin Wahidin Wulan, Mulyaning Wulan, Mulyaning Wulan Yadi Nurhayadi Yadi Nurhayadi Yadi Nurhayadi Yadi Nurhayadi, Yadi Yogi Saputra Yusdi Daulay Yusdi Daulay Zulpahmi Zulpahmi Zulpahmi, Zulpahmi