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All Journal 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 Jurnal Akuntansi dan Bisnis Iqtishoduna: Jurnal Ekonomi Islam Jurnal Manajerial International Journal of Trends in Accounting Research Jumat Pendidikan: Jurnal Pengabdian Masyarakat Journal Of Human And Education (JAHE) CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis Equilibrium: Jurnal Ekonomi Syariah Bumi: Jurnal Hasil Kegiatan Sosialisasi Pengabdian Kepada Masyarakat IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita IJEFSD
Ummu Salma Al Azizah
Unknown Affiliation
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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Peningkatan Literasi Keuangan Islam Global Di CLSU Filipina Zulpahmi Zulpahmi; Ummu Salma Al Azizah; Meita Larasati; Tohirin Tohirin 
Bumi: Jurnal Hasil Kegiatan Sosialisasi Pengabdian kepada Masyarakat Vol. 2 No. 1 (2024): Januari: Bumi: Jurnal Hasil Kegiatan Sosialisasi Pengabdian kepada Masyarakat
Publisher : Asosiasi Riset Teknik Elektro dan Informatika Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/bumi.v2i1.32

Abstract

This community service is carried out to the community and students in the Philippines about understanding about Islamic finance. Service activities are carried out face-to-face with lecture and discussion methods. Where between lecturers of the Faculty of Economics and Business and service partners directly meet in the same place. This activity will take place from July 4, 2023 to July 7, 2023 at Luzon State University, Philippines. Participants in this activity amounted to 40 people from students and the general public. This service activity generates awareness in global development, a deeper understanding of Islamic finance, inter-sector collaboration, participatory community empowerment, and the potential for positive change.
Determinan Struktur Modal Pada Perusahaan Yang Terdaftar Di Jakarta Islamic Index Yogi Saputra; Ummu Salma Al-Azizah; Yadi Nurhayadi
IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Vol 10 No 2 (2021): IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita - December
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/iqtishaduna.v10i2.419

Abstract

This study aimed to analyze the factors that influence the capital structure of companies listed on the Jakarta Islamic Index (JII). These factors consist of company size, return on assets (ROA), return on equity (ROE), inflation, and growth in the gross domestic product (GDP). This research is quantitative research with a purposive sampling method and obtained a sample of 9 companies. The data used is secondary data in financial reports on companies registered with JII in 2015-2019. Data analysis using the multiple linear regression method. The results showed that ROA had a significant adverse effect on the capital structure, ROE has a significant positive effect on the capital structure, firm size does not affect the capital structure, inflation does not affect the capital structure, GDP growth does not affect the capital structure. Simultaneously, firm size, ROA, ROE, inflation, and GDP growth significantly affect the capital structure.
Assistance Of Understanding Financial Technology (Fintech) In Easy Financial Access to Msme PWM DKI Jakarta Al Azizah, Ummu Salma; Rohaeti, Eti
ABDIMAS: Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (2022): ABDIMAS UMTAS: Jurnal Pengabdian Kepada Masyarakat
Publisher : LPPM Universitas Muhammadiyah Tasikmalaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35568/q8y7kq43

Abstract

This seminar and training is intended to provide an understanding of the benefits of financial technology in helping people to access finance globally. By providing an understanding of the benefits and functions of existing financial technology, individuals or business actors can manage well and completely planned. It will be easy to plan cash flow that occurs in business units and for future purposes. With the seminar approach given directly to the community, it is expected that there will be discussions and direct questions and questions about the impact of financial technology in human life in general, and financial goals in particular. As a result of the provision of seminars and also training on financial technology, people feel more ability to access financial technology and can implement their financial planning by using financial technology.
Effect of Environmental Performance, Firm Size, Corporate Social Responsibility on Financial Performance on Manufacturing Companies Mira Afriani; Yadi Nurhayadi; Ummu Salma Al Azizah
International Journal on Economics, Finance and Sustainable Development (IJEFSD) Vol. 3 No. 3 (2021): MARCH
Publisher : Research Parks Publishers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31149/ijefsd.v3i3.1345

Abstract

This study examined the relationship between environmental performance, firm size, corporate social responsibility on financial performance on manufacturing companies listed in ISSI over the period 2014-2018. The independent variables were hypothesized- environmental performance, firm size, and corporate social responsibility. While the dependent variable was a financial performance (ROA). Whereas, the data used are secondary data of finance and annual statements derived from the Indonesian Stock Exchange and the company’s official website, as well as the PROPER data, reconstituted from The Ministry of Environment and Forestry. The method used in analyzing data on this research is multiple regression linear with the EViews 10. The results showed that environmental performance had no significant effect on financial performance (ROA), the firm size significantly affected the financial performances (ROA), corporate social responsibility significantly affected the financial performances (ROA). Thus, environmental performance, firm size, and corporate social responsibility affect simultaneously on financial performances (ROA)
Pengaruh Digital Literacy, Islami Financial Literacy dan Islamic Branding Terhadap Minat Menabung Bank Syariah Pada Generasi Z di DKI Jakarta Ananda Norma Elvira Ramadan; Ummu Salma Al Azizah; Nugroho, Arif Widodo; Irsyad Ali Amin
CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis Vol. 6 No. 1 (2026): CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/cemerlang.v6i1.8870

Abstract

This research seeks to examine the impact of digital literacy, Islamic financial literacy, and Islamic branding on Generation Z’s interest in saving with Islamic banks in DKI Jakarta. Unlike most prior studies, this work highlights the combined role of digital literacy, Islamic financial literacy, and Islamic branding, specifically focusing on Generation Z in DKI Jakarta, which has not been widely explored. A quantitative research design was applied, with data gathered through a questionnaire distributed to 400 respondents using purposive sampling. The analysis employed PLS-SEM with the SmartPLS 4 software. The study revealed that digital literacy positively influences saving interest with a coefficient of 0.074, Islamic branding has a strong positive influence with a coefficient of 0.915, while Islamic financial literacy shows no significant effect with a coefficient of -0.002. The model obtained an R-square value of 0.894. This research is restricted to a particular scope or sector, thus the findings cannot be generalized to all contexts. Nevertheless, the results provide useful insights for practitioners, policymakers, and academics in formulating relevant actions or decisions.
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.
Beyond the Theory of Planned Behavior: Evidence from Whistleblowing Research in Accounting Theory Meita Larasati; Zakiyah Sharif; Al Jaffri Saad; Ummu Salma Al Azizah
Jurnal Akuntansi dan Bisnis Vol 26, No 1 (2026): In Progress
Publisher : Accounting Study Program, Faculty Economics and Business, Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jab.v26i1.1720

Abstract

This article aims to present a comprehensive and systematic evaluation of the Extended Theory of Planned Behavior (ETPB) by mapping its core research areas over the past decade and proposing a structured thematic classification and future research agenda. Using a systematic literature review and thematic analysis of Scopus indexed 202 articles between 2015 and 2025 by Watase, this study develops an integrative multidimensional framework incorporating antecedents, outcomes, and contextual contingencies relevant to ETPB. The results reveal major trends in publication patterns, research themes, and journal outlets, while identifying key theoretical, methodological and contextual gaps that suggest clear directions for future research. The findings indicate that moral norm has emerged as the most dominant extension variable, highlighting the growing importance of ethical and value-based considerations in behavioral intention research. Furthermore, whistleblowing has become one of the most prominent applications of ETPB, demonstrating the relevance of moral, organizational, professional, and contextual factors in explaining ethical decision-making. Overall, although the Extended Theory of Planned Behavior enhances behavioral explanation by incorporating moral and contextual factors, its increasing complexity and limited methodological diversity indicate the need for clearer theory, stronger research designs, and wider validation. Keyword: Extended Theory of Planned Behavior, Systematic Literature Review, Watase, Thematic Analysis, Conceptual Framework Development 
Co-Authors Al Jaffri Saad Alvina, Chintia amar, faozan Ananda Norma Elvira Ramadan 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 Irsyad Ali Amin Krisnanto, Naufal Leni Marlena Meita Larasati Meita Larasati MIRA AFRIANI Muhamad Tri Saputro Putro Mulyaning Wulan Mulyaning Wulan Wulan Naufal Krisnanto Nawal Belindawati Nugroho, Arif Widodo 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 Zakiyah Sharif Zulpahmi Zulpahmi Zulpahmi, Zulpahmi