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All Journal JAM : Jurnal Aplikasi Manajemen Jurnal Tirtayasa Ekonomika (Tirtayasa Economica Journal) Jurnal Manajemen Phinisi Integration Review Jurnal IPA Terpadu Kinerja: Jurnal Ekonomi dan Manajemen J-MAS (Jurnal Manajemen dan Sains) JURNAL PENDIDIKAN TAMBUSAI IKRA-ITH EKONOMIKA MANAJEMEN DEWANTARA JURNAL ILMIAH OBSGIN : Jurnal Ilmiah Ilmu Kebidanan & Kandungan Progress: Jurnal Pendidikan, Akuntansi dan Keuangan JEKPEND Jurnal Ekonomi dan Pendidikan JIRA: Jurnal Inovasi dan Riset Akademik AKMENIKA Jurnal Kesehatan Tambusai Bisnis Net : Jurnal Ekonomi dan Bisnis Mabny : Journal of Sharia Management and Business Transekonomika : Akuntansi, Bisnis dan Keuangan JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (JHSSB) JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Golden Ratio of Finance Management International Journal of Social Science, Education, Communication and Economics Sinomika Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi Seminar Nasional Pengabdian Kepada Masyarakat Bulletin of Management and Business Jurnal Manajemen dan Bisnis Journal of Scientific Research, Education, and Technology Kompeten: Jurnal Ilmiah Ekonomi dan Bisnis Economics and Business Journal Journal of Artificial Intelligence and Digital Business Jurnal Manajemen Benefit : Journal of Bussiness, Economics, and Finance Seminar Nasional Hasil Penelitian LP2M UNM DECISION : Jurnal Ekonomi dan Bisnis Economos : Jurnal Ekonomi dan Bisnis (JIMBE) (JUMPER) Mutiara: Jurnal Penelitian dan Karya Ilmiah Mutiara : Jurnal Ilmiah Multidisiplin Indonesia Akuntansi: Jurnal Riset Ilmu Akuntansi Cross-Border Journal of Business Management Journal of Innovative and Creativity MAXIMAL Entrepreneurship, Management, and Business Research Journal Jurnal Ilmiah Kesehatan Sandi Husada Jurnal Cendekia Ilmiah International Journal of Education Management and Religion MathiEu: Journal of Mathematics Education and Learning Optimal: Jurnal Ekonomi dan Manajemen
Anwar Ramli
Manajemen, Fakultas Ekonomi, Universitas Negeri Makassar
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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The Effect of Inflation, Interest Rates, and Exchange Rates on Stock Returns With The Composite Stock Price Index (IHSG) as an Intervening Variable in Indonesia 2016–2025 Anwar Ramli; Indah Lestari Anwar
Economics and Business Journal (ECBIS) Vol. 4 No. 5 (2026)
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i5.440

Abstract

This study examines the effect of inflation, interest rates (BI7DRR), and exchange rates (USD/IDR) on stock returns of PT Telkom Indonesia (Persero) Tbk., with the Jakarta Composite Index (IHSG) as an intervening variable. Using a quantitative explanatory research design, monthly secondary data spanning January 2016 to December 2025 (120 observations) were analysed using Pearson correlation and two-stage path analysis (OLS regression). Results indicate that inflation and exchange rates significantly influence IHSG, while the BI Rate does not. However, neither macroeconomic variables nor IHSG significantly affect Telkom's stock returns either directly or indirectly. The model explains only 2.7% of the variation in stock returns, suggesting that company-specific and sectoral factors dominate return determination. These findings imply that IHSG does not serve as an effective mediating channel between macroeconomic conditions and individual stock returns for Telkom. Investors in the telecommunications sector should prioritise fundamental and sectoral analysis over macroeconomic indicators when making portfolio decisions
Does Dividend Stability Signal Firm Performance? Evidence from PT Telkom Indonesia (Persero) Tbk Indah Lestari Anwar; Anwar Ramli
Economics and Business Journal (ECBIS) Vol. 4 No. 5 (2026)
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i5.442

Abstract

This study analyzes the dividend policy of PT Telkom Indonesia (Persero) Tbk (TLKM) during the 2020–2025 period using a quantitative descriptive approach and a longitudinal case study based on secondary data from audited financial reports. The variables analyzed include Dividend Per Share (DPS), Earnings Per Share (EPS), Dividend Payout Ratio (DPR), Dividend Yield, and Free Cash Flow (FCF), with trend analysis using the Compound Annual Growth Rate (CAGR). The results show that DPS grows 6.05% per year, higher than EPS of 1.87%, resulting in DPR increasing from 80.00% to 93.95% in 2024. Nevertheless, strong and stable operating cash flow ensures that dividends remain supported by FCF, so there is no indication of financial distress. However, the increasing FCF-to-dividend ratio indicates the company's increasingly limited reinvestment space. The decline in net profit of 20.48% in 2025 also increases the risk of dividend policy sustainability. Furthermore, the increase in dividend yield was more influenced by stock price declines than dividend growth. This finding suggests that SOE dividend stability reflects not only fundamental performance but also institutional pressure from the government as the controlling shareholder, supporting the relevance of Agency Theory and Catering Theory in explaining dividend policy of state-owned enterprises in emerging markets
Fundamental Analysis of Banking Financial Performance: A Longitudinal Study of PT Bank BNI (Persero) Anwar Ramli
International Journal of Education Management and Religion Vol. 3 No. 2 (2026): July 2026
Publisher : Pondok pesantren As-salafiyah As-Safi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/ijemr.v3i2.1672

Abstract

Banking is a strategic sector in supporting the national economy through its financial intermediation function. Bank financial performance can be evaluated using financial ratios sourced from financial statements. This study aims to examine the liquidity, solvency, and profitability of PT Bank Negara Indonesia (Persero) Tbk during the 2021–2025 period, and analyse their implications for the stability and sustainability of the bank's financial performance. The novelty of this study lies in its single-bank longitudinal approach covering a complete five-year economic cycle  from post COVID 19 pandemic recovery through credit expansion to the correction phase a scope not addressed in any prior study on BNI or comparable Indonesian state-owned banks. Unlike previous multi-bank studies that produce industry-average conclusions (Putra & Wibowo, 2021; Sari & Idrus, 2023), this study offers deeper institution-specific trend analysis and contextualizes performance dynamics with BNI's distinct management policies. The method used is descriptive quantitative with secondary data in the form of consolidated annual financial statements published by BNI and the Indonesian Stock Exchange. The ratios analysed include the Loan to Deposit Ratio (LDR), Quick Ratio, Capital Adequacy Ratio (CAR), Debt to Asset Ratio (DAR), Debt to Equity Ratio (DER), Return on Assets (ROA), Return on Equity (ROE), and Net Profit Margin (NPM). All profitability ratios are calculated consistently using consolidated financial statement data, except for CAR, which refers to Bank Only data as published by the Financial Services Authority (OJK). The results show that the LDR experienced a significant increase until 2024 (96.32%) before improving to 86.42% in 2025. BNI's solvency is very strong with a CAR ranging from 19.3%–22.0%, far exceeding the OJK minimum requirements. Profitability shows a recovery trend from ROA of 1.14% (2021) to 1.94% (2023), before being corrected to 1.48% (2025) due to increases in the cost of funds and operating expenses. Overall, BNI's financial performance is considered stable and healthy, but requires strengthening operational efficiency and credit management to maintain long-term competitiveness.
ANALISIS BIAYA DALAM OPTIMALISASI LABA USAHA PADA CV. AGUNG UTAMA SPORT DI KOTA MAKASSAR Sitti Nuralifah Rahmayani; Anwar; Nurman; Anwar Ramli; Annisa Paramaswary Aslam
Akmenika: Jurnal Akuntansi dan Manajemen Vol. 23 No. 1 (2026): AKMENIKA
Publisher : Universitas PGRI Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31316/akmenika.v23i1.9019

Abstract

Penelitian ini bertujuan menganalisis pengaruh biaya produksi dan biaya operasional terhadap optimalisasi laba usaha pada CV. Agung Utama Sport di Kota Makassar periode 2022–2024. Penelitian menggunakan pendekatan kuantitatif deskriptif dengan data sekunder berupa laporan keuangan selama 36 bulan. Analisis yang digunakan meliputi analisis proporsi biaya, rasio efisiensi biaya, profit to cost ratio, dan analisis tren. Hasil penelitian menunjukkan bahwa biaya produksi dan biaya operasional mengalami peningkatan, sementara laba usaha cenderung menurun. Kenaikan biaya terutama berasal dari biaya bahan baku dan biaya operasional rutin. Rasio efisiensi menunjukkan penurunan kemampuan biaya dalam menghasilkan laba, yang mengindikasikan struktur biaya perusahaan belum efisien dan berdampak pada penurunan profitabilitas.
THE EFFECT OF FINANCIAL LITERACY AND SELF-CONTROL ON THE CONSUMER BEHAVIOR OF SHOPEE PAYLATER USERS AMONG STUDENTS OF THE MANAGEMENT STUDY PROGRAM, CLASS 2022-2025 AT UNIVERSITAS NEGERI MAKASSAR Widya Putri Clarissa Wahid; Nurman Nurman; Andi Mustika Amin; Anwar Ramli; Abdul Rahman
Jurnal Manajemen Vol 6, No 2 (2026): August
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/jm.v6i2.83404

Abstract

Abstract: This study aims to determine and analyze the influence of financial literacy and self-control on the consumer behavior of Shopee PayLater users in the Management Study Program, intake 2022-2025, at Universitas Negeri Makassar. This study used a quantitative approach with a survey method. The variables in this study consisted of financial literacy (X₁) and self-control (X₂) as an independent variable and consumer behavior (Y) as a dependent variable.The results of this study indicate that: (1) Financial literacy partially has a negative and significant effect on the consumer behavior of Shopee PayLater user students in the Management Study Program at Universitas Negeri Makassar. (2) Self-control partially has a negative and significant effect on the consumer behavior of Shopee PayLater user students in the Management Study Program at Universitas Negeri Makassar. (3) Financial literacy and self-control simultaneously have a significant effect on the consumer behavior of Shopee PayLater user students Keywords: Financial Literacy, Self-Control, Consumptive Behavior, Shopee PayLaterKeywords: Financial Literacy, Self-Control, Consumptive Behavior, Shopee PayLater
THE EFFECT OF ORGANIZATIONAL ACTIVITY ON THE DEVELOPMENT OF STUDENTS' SOFT SKILLS. A CASE STUDY OF HPPMI CADRES MAROS UNIVERSITAS NEGERI MAKASSAR COMMISSION. Muhammad Isfar Nur Fajar; Anwar Ramli; Agung Widhi Kurniawan; Widhi Nugraha Sumiharja Darmawinata
Jurnal Manajemen Vol 6, No 2 (2026): Agustus
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/jm.v6i2.83425

Abstract

Abstract: This study aims to analyze the influence of organizational activity on the development of students' soft skills in the regional organization of the Indonesian Student Youth Association (HPPMI) Maros Commissariat, Makassar State University. In addition, this study also aims to determine the contribution of organizational activity to the development of students' soft skills. This study uses a quantitative approach with a causal associative research design. The study population was all cadres of HPPMI Maros Commissariat, Makassar State University, totaling 59 people. The sampling technique used saturated sampling so that the entire population became research respondents. Data collection techniques were carried out through distributing questionnaires using a Likert scale. The data obtained were then analyzed using simple linear regression analysis. The results showed that organizational activity had a positive and significant effect on the development of students' soft skills of HPPMI Maros Commissariat, Makassar State University. The coefficient of determination value shows that organizational activity contributed 81.7% to the development of students' soft skills, while the rest was influenced by other factors outside the research model. These findings show that the higher the level of student activity in organizational activities, the higher the level of soft skill development that students have. Keywords: Organizational Activity, Soft Skills, Student Organizations, Self-DevelopmentKeywords: Organizational Activity, Soft Skills, Student Organizations, Self-Development
ANALISIS TINGKAT PEMAHAMAN RELASIONAL MATEMATIKA SISWA KELAS VIII MTSN Muzdalifah, Muzdalifah; Ramli, Anwar; Kamarullah, Kamarullah; Darwani, Darwani
Mathieu : Journal of Mathematics Education and Learning Vol. 2 No. 2 (2025): MATHIEU Journal of Mathematics Education and Learning
Publisher : Prodi Pendidikan Matematika Fakultas Tarbiyah dan Keguruan UIN Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/mathieu.v2i2.10074

Abstract

His study aimed to determine students’ relational understanding of mathematics on solid geometry material in class VIII of MTsS Darul Ulum Banda Aceh. The study used a qualitative approach, with data collected through individual tests and interviews. The results showed that students had different levels of relational understanding based on their mathematical abilities. Students with high mathematical ability demonstrated high relational understanding by being able to connect concepts and solve problems correctly. Students with moderate mathematical ability showed moderate relational understanding with limited ability to relate concepts. Meanwhile, students with low mathematical ability demonstrated low relational understanding and experienced difficulties inunderstanding relationships between solid geometry concepts. These differences were identified through the indicators of relational understanding achieved by each student
Pengaruh Likuiditas dan Profitabilitas Terhadap Nilai Perusahaan Sektor Kesehatan di Bursa Efek Indonesia Periode 2020-2024 Nur Haliza; Agung Widhi Kurniawan; Annisa Paramaswary Aslam; Anwar Ramli; Anwar Anwar
Kompeten: Jurnal Ilmiah Ekonomi dan Bisnis Vol. 4 No. 4 (2026): January 2026
Publisher : PT Seval Literindo Kreasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57141/kompeten.v4i4.236

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh likuiditas dan profitabilitas terhadap nilai perusahaan sektor kesehatan yang terdaftar di Bursa Efek Indonesia periode 2020-2024. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Data yang digunakan merupakan data sekunder berupa laporan keuangan tahunan. Populasi penelitian ini adalah seluruh perusahaan sektor kesehatan sebanyak 38 perusahaan. Sampel penelitian terdiri dari 11 perusahaan yang dipilih menggunakan metode purposive sampling dengan periode observasi selama lima tahun, sehingga diperoleh 55 data observasi. Teknik analisis data yang digunakan adalah regresi data panel dengan Random Effect Model (REM) melalui perangkat lunak Econometric Views (EViews 12) yang mencakup statistik deskriptif, pengujian model data panel, pengujian asumsi klasik, analisis regresi data panel, serta pengujian hipotesis. Hasil penelitian menunjukkan bahwa secara parsial, likuiditas (CR) berpengaruh negatif dan signifikan terhadap nilai perusahaan sektor kesehatan. Sebaliknya, profitabilitas (ROA) terbukti memiliki pengaruh positif dan signifikan terhadap nilai perusahaan sektor kesehatan. Secara simultan, variabel likuiditas (CR) dan profitabilitas (ROA) juga terbukti memberikan pengaruh signifikan terhadap nilai perusahaan sektor kesehatan di BEI periode 2020-2024. Penelitian ini memberikan implikasi bahwa perusahaan sektor kesehatan perlu mengelola likuiditas pada tingkat optimal dan terus meningkatkan profitabilitas guna memaksimalkan nilai perusahaan dan kepercayaan investor.
ANALISIS KINERJA KEUANGAN PT. JASA RAHARJA Muh Hidayatullah; Anwar Ramli; Tenri S. P. Dipoatmodjo
TRANSEKONOMIKA: AKUNTANSI, BISNIS DAN KEUANGAN Vol. 2 No. 5 (2022): September 2022
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/transekonomika.v2i5.206

Abstract

This study aims to determine how the financial performance of PT. Jasa Raharja in 2017 to 2021. The population in this study is the company's annual financial statements, while the sample used is the company's financial statements from 2017 to 2021. The data collection technique in this study is by means of documentation, then it will be analyzed using ratios. liquidity which consists of Current Ratio, Cash Ratio and solvency ratio which consists of Debt to Assets Ratio (DAR) and Debt to Equity Ratio (DER) and profitability ratio consists of Return on Assets (ROA) and Return on Equity (ROE) which then measures financial health using the Risk Based Capital method. The results of this study indicate that the liquidity ratio where the Cash Ratio is still below the standard ratio, which means the company is less able to pay its short-term obligations using existing cash, but the company is still able to pay its short-term debt using its current assets and the solvency ratio is above the standard ratio in general, which means the company's finances are quite good in meeting long-term debt and for profitability ratios where the Return on Assets is still below the standard ratio, which means the company is less efficient in managing its assets to generate profits but in terms of Return on Equity the company has been able to manage capital owned to earn a profit, while Risk Based Capital shows the company's financial performance from 2017 to 2021 is quite good.
Pengaruh Indeks Pembangunan Manusia (IPM), Produk Domestik Regional Bruto (PDRB) terhadap Kemiskinan melalui Pertumbuhan Ekonomi di Provinsi Sulawesi Selatan Anwar Ramli; Anwar Anwar; Yusri Karmila
Benefit: Journal of Bussiness, Economics, and Finance Vol. 3 No. 3 (2025): BENEFIT: Journal Of Business, Economics, and Finance
Publisher : Lembaga Penelitian Dan Publikasi Ilmiah (lppi) Yayasan Almahmudi Bin Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70437/benefit.v3i3.1546

Abstract

Overcoming poverty is a major challenge for the government to improve the standard of living of the population by immediately finding solutions to reduce poverty. The objectives of the study are: 1) to determine the Effect of the Human Development Index (HDI) on Poverty in South Sulawesi Province; 2) to determine the Effect of Gross Regional Domestic Product (GRDP) on Poverty in South Sulawesi Province; 3) to determine the Effect of the Human Development Index (HDI) on Poverty through economic growth in South Sulawesi Province; 4) to determine the Effect of Gross Regional Domestic Product (GRDP) on Poverty through economic growth in South Sulawesi Province. The research method is quantitative analysis used in this study, namely a method carried out through numerical measurements using statistical methods. The approach used is the Structural Equation Modeling (SEM) method in quantitative research. Research method stage. Based on the results of the analysis and discussion of research related to the effect of HDI, GRDP, and Economic Growth (PE) on poverty, there are several important points that can be concluded. First, HDI has no direct or indirect effect on poverty. Second, GRDP does not show a direct effect on poverty. Third, economic growth has been shown to act as a full mediator in the relationship between GRDP and poverty. Conversely, economic growth is unable to mediate the relationship between the HDI and poverty, so the mechanism by which human development-related variables influence poverty reduction is not yet optimal. This research emphasizes the importance of inclusive economic growth so that the benefits of development can be felt by all levels of society, especially the poor. Increasing GRDP and HDI needs to be integrated with economic policies that encourage expanded employment opportunities and equitable economic access to make a real contribution to poverty reduction.
Co-Authors A. St. Aisyah Nur Abadi, Rahmat Riwayat Abd. Rahman Abdi Akbar Idris Abdul Rahim Abdul Rahman Achmad Noerkhaerin Putra Adri, Mutia Tasyah Agung Widhi Kurniawan Alanti, Alanti Amalia Kasim Amalia, Hilda Nur Amiruddin Tawe Ananda Putri Rahmadani Andi Muhammad Irfan Taufan Asfar Andi Mustika Amin Andi Nurhasanah Andi Siti Nurhaliza ZL Andi Tri Rezeki Aulia Andini, HS Anwar Anwar Anwar Anwar Anwar Anwar Anwar Anwar, Indah Lestari Asfar, Andi Muhamad Iqbal Akbar Asharun, Alfahira Aslam, Annisa Paramaswary Asniwati Audia, Winda Buloto, Nabila Wulandari Burhanuddin Burhanuddin Burhanuddin Burhanuddin Burhanuddin Chalid Imran Musa Chalid Imran Musa Citra Ayni Kamaruddin Darman Manda Manda Darwani Darwani Dipoatmodjo, Tenri S. P. Dipoatmojo , Tenri S.P Djilhamzah, Alief Salsabila Dwi Anugerah Lestari Musa Erfiani Erfiani Farmawati, Eka Fauziani, Iva Handayani, Rika Hasanuddin Remmang, Hasanuddin Hasbiah, Sitti Herman, Sriyana Hety Budiyanti Hety Budiyanti Hety Budiyanti, Hety Hidayatullah, Muh Husain, Widia Ramadhany Idris, Abdi Akbar Iftita Islamia Fatima Ilma Wulansari Hasdiansa Inanna Inanna, Inanna Inaz Zahrah Idris Indah Lestari Anwar Intan Astira S Iriyamayanti Irwan, Shabrina Nurfadhilah Itra Jenitalia, Andi Nadia Julia Fitrianingsih Kamarullah Kamarullah Karmila, Yusri M. Ikhwan Maulana Haeruddin Maisyaroh, Ummi Malik, A. Jihan Rahmadani Mangean, Lilis Mansyur, Muthmainnah Maulina, Argita Sara Meliza Meliza Membela, Nelson Molvi Rahmat Ali Mrs. Ernawati Mrs. Inanna Muh Hidayatullah Muh. Ichwan Musa Muh. Yushar Mustafa Muhammad Azis Muhammad Hasan Muhammad Idris Muhammad Ilham Wardhana Haeruddin Muhammad Isfar Nur Fajar Muhammad Jafar, Muhammad Muhammad Rakib Muhammad Taufik Hidayat Mukammil, Ahmad Muliana Agus Multazam, Riana Munandar, Wahyu Musa, Muhammad Ichwan Mustajab Amrullah, Mustajab Muzdalifah Muzdalifah Najamuddin Najamuddin, Najamuddin Nanda Febry Malangi Natsir, Uhud Darmawan Ningsih, Astuti Nur Haliza Nur, Andi St. Aisyah Nur, Nia Ramadhani Nuravini Safitri Nurfarhana Nurhaedah Nurhaedah Nurhikmah Maharani Nurliana Nurliana Nurman Nurman Nurman Nurman Nurman Nursyahidah, Sumaya Nurtini Majid, Nurtini Pasau, Paesa Putri Aliyah Natasya R. Rusli Rahmat Hidayat Rahmatullah Rahmayani, Feby Ramlawati Ramlawati Rauf, Anwar Rezky Amalia Hamka Riska Romansyah Sahabuddin Ruma, Zainal Saldiaman Samsinar Samsinar Sastry Armelia Tokilos Satria Satria, Satria Siti Aizah Mahardika Amar Sitti Aisyah Sitti Nuralifah Rahmayani Sri Wulandari Syafikah, Nurul Syamsuriyati, Syamsuriyati Taslim Dangnga Tenri Sayu Puspitaningsih Dipoatmodjo Thoharoh, Muchibatut Widhi Nugraha Sumiharja Darmawinata Widya Putri Clarissa Wahid Wilma Wilma, Wilma Yand. S, Britny Yunika Priscilla Yusri Karmila Zainal Ruma Zehroh, Halimatus