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All Journal Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Jurnal Pengabdian UntukMu NegeRI Pendas : Jurnah Ilmiah Pendidikan Dasar ISOQUANT : Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Ilmiah Ekonomi Global Masa Kini Jurnal Ilmu Manajemen BALANCE Jurnal Akuntansi dan Bisnis Jurnal Proaksi Abdi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Journal of Management - Small and Medium Enterprises (SME's) International Journal of Finance Research Jurnal Manajemen Bisnis dan Keuangan Jurnal Aplikasi Manajemen dan Bisnis (JAMB) Jurnal Salam Sehat Masyarakat (JSSM) Lamahu: Jurnal Pengabdian Masyarakat Terintegrasi International Journal of Applied Business and International Management Biology and Education Journal (BaEJ) Jurnal Pengabdian Masyarakat Bangsa Jurnal Terapan Ekonomi dan Bisnis (JTEB) (JIMBE) SULUH ABDI : Jurnal Ilmiah Pengabdian Kepada Masyarakat Jurnal Kajian Ekonomi dan Manajemen Indonesia Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Kegiatan Pengabdian Mahasiswa (JKPM) SURYA EDUKASI Jimma : Jurnal Ilmiah Manajemen Muhammadiyah Aceh Klinik: Jurnal Ilmiah Kedokteran dan Kesehatan TOMAN: Jurnal Topik Manajemen
Ummi Kalsum
Universitas Muhammadiyah Palembang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Do E-Money Transactions Affect Consumer Credit Growth, with PayLater as a Moderator? Randy Hidayat; Abid Djazuli; Ummi Kalsum
International Journal of Applied Business and International Management Vol 10, No 3 (2025): December 2025
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijabim.v10i3.4547

Abstract

This study examines the effect of electronic money transactions on consumer credit growth in Indonesian banking, with paylater as a moderating variable. Using monthly secondary data from Bank Indonesia and the Financial Services Authority (OJK), this research employs Partial Least Squares Structural Equation Modeling (PLS-SEM) via SmartPLS 4 to test the proposed hypotheses. The findings reveal that electronic money transactions have a significant negative effect on consumer credit growth, indicating a substitution effect where increased digital payment adoption reduces reliance on bank credit. Conversely, paylater demonstrates a significant positive effect on consumer credit growth, suggesting that buy now pay later services function as a complement to formal banking by creating credit histories that facilitate access to larger bank loans. However, paylater does not significantly moderate the relationship between electronic money transactions and consumer credit growth, implying that the interaction between these two digital financial services is not yet strong enough to alter the direction of influence. These findings contribute to the development of digital financial intermediation theory and offer practical implications for regulators and banking institutions in formulating policies that ensure harmonious development between digital payment ecosystems and formal banking systems
Pelatihan Promosi Digital Untuk UMKM di Desa Sungai Pinang Ayu Geby Gisela Syaputri; Muhammad Bahrul Ulum; Resthie Andela; Lesi Agusria; Efrina Masdaini; Primasari Fitria; Muhammad Syahril; Yunita Febriani; Ummi Kalsum; Arradytia Permana; Bora Alviolesa; Fagar Fertiwi Fardah Tunisia Ahmad
Jurnal Kegiatan Pengabdian Mahasiswa (JKPM) Vol 4 No 1 (2026): Jurnal Kegiatan Pengabdian Mahasiswa (JKPM)
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/jkpm.v4i1.903

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki peran penting dalam meningkatkan perekonomian masyarakat, terutama di wilayah pedesaan. Namun, UMKM di Desa Sungai Pinang masih menghadapi kendala dalam pengelolaan usaha dan pemasaran, khususnya terkait keterbatasan penggunaan sistem informasi dan rendahnya pemanfaatan promosi digital. Kondisi ini menyebabkan pengelolaan data usaha kurang efektif serta jangkauan pemasaran produk menjadi terbatas. Penelitian ini bertujuan untuk menganalisis dan menerapkan promosi digital guna meningkatkan kinerja dan daya saing UMKM di Desa Desa Sungai Pinang. Metode yang digunakan adalah deskriptif kualitatif dengan teknik pengumpulan data melalui observasi, wawancara, dan dokumentasi terhadap pelaku UMKM. Hasil penelitian menunjukkan bahwa promosi digital melalui media sosial dan marketplace dapat memperluas jangkauan pemasaran serta meningkatkan penjualan. Selain itu, pelatihan dan pendampingan digital menjadi faktor pendukung utama dalam keberhasilan implementasi. Dengan demikian, penerapan promosi digital memberikan dampak positif terhadap perkembangan UMKM di Desa Sungai Pinang dan dapat menjadi solusi dalam meningkatkan daya saing usaha di era digital.
DETERMINASI NILAI PERUSAHAAN: PERAN KEPEMILIKAN INSTITUSIONAL DAN LEVERAGE PADA PERUSAHAAN ENERGI DI BURSA EFEK INDONESIA: DETERMINANTS OF FIRM VALUE: THE ROLE OF INSTITUTIONAL OWNERSHIP AND LEVERAGE IN ENERGY COMPANIES LISTED ON THE INDONESIA STOCK EXCHANGE Citra Kasuwara; Abid Djazuli; Ummi Kalsum
Jurnal Aplikasi Manajemen dan Bisnis Vol. 6 No. 2 (2026): Jurnal Aplikasi Manajemen dan Bisnis April 2026
Publisher : Politeknik Negeri Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36257/jamb.v6i2.11878

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kepemilikan institusional dan leverage terhadap nilai perusahaan pada sektor energi yang terdaftar di Bursa Efek Indonesia (BEI) periode 2020–2024. Berdasarkan kriteria kelengkapan laporan keuangan, terdapat 25 dari 91 perusahaan yang dipilih sebagai sampel menggunakan metode purposive sampling. Data diperoleh dari laporan keuangan tahunan dan dianalisis menggunakan uji statistik regresi linier berganda. Hasil penelitian menunjukkan bahwa kepemilikan institusional dan leverage secara simultan berpengaruh signifikan terhadap nilai perusahaan. Secara parsial, kepemilikan institusional berpengaruh negatif dan signifikan terhadap nilai perusahaan, sedangkan leverage berpengaruh positif dan signifikan terhadap nilai perusahaan. Temuan ini menegaskan bahwa kepemilikan institusional tidak selalu meningkatkan nilai perusahaan, sedangkan penggunaan leverage yang optimal dapat meningkatkan nilai perusahaan. Secara teoritis, studi ini memperkaya literatur mengenai determinan nilai perusahaan pada sektor energi. Hasil penelitian ini secara praktis juga dapat menjadi acuan bagi manajemen dalam mengelola struktur kepemilikan dan kebijakan utang secara optimal untuk meningkatkan nilai perusahaan, serta menjadi pertimbangan bagi investor dalam pengambilan keputusan investasi. Kata Kunci: Kepemilikan Institusional, Leverage, Nilai Perusahaan.
Does Inflation Matter? Examining the Profitability-Stock Return Nexus in Indonesia’s Automotive Sector Fitriana Fitriana; Mister Candera; Ummi Kalsum
Jurnal Ilmiah Manajemen Muhammadiyah Aceh Vol. 16 No. 1 (2026): Edisi Januari - Juni 2026
Publisher : Universitas Muhammadiyah Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37598/jimma.v16i1.46

Abstract

Penelitian ini bertujuan menganalisis pengaruh profitabilitas terhadap return saham pada sektor otomotif di Bursa Efek Indonesia dengan inflasi sebagai variabel moderasi. Penelitian menggunakan pendekatan asosiatif dengan data sekunder dari perusahaan sektor otomotif yang terdaftar di Bursa Efek Indonesia periode 2020-2024. Sampel ditentukan melalui teknik purposive sampling dan dianalisis menggunakan statistik deskriptif, uji asumsi klasik, serta Moderated Regression Analysis (MRA). Hasil penelitian menunjukkan bahwa profitabilitas berpengaruh positif dan signifikan terhadap return saham, sehingga kinerja laba menjadi sinyal penting bagi investor dalam menilai prospek perusahaan. Namun, inflasi tidak mampu memoderasi pengaruh profitabilitas terhadap return saham. Temuan ini menunjukkan bahwa return saham sektor otomotif lebih kuat dipengaruhi oleh kemampuan perusahaan menghasilkan laba, sementara tekanan inflasi belum cukup memperkuat atau memperlemah hubungan tersebut secara signifikan. Implikasi penelitian ini menekankan pentingnya investor mempertimbangkan indikator profitabilitas dan kondisi makroekonomi secara bersamaan dalam pengambilan keputusan investasi. .
PEMBENTUKAN SEKOLAH PEREMPUAN: EDUKASI KESEHATAN REPRODUKSI DAN PENINGKATAN STATUS GIZI PADA PEREMPUAN DI DESA PUDAK KABUPATEN MUARO JAMBI: Sekolah Perempuan Kalsum, Ummi; Guspianto, Guspianto; Asparian, Asparian; Muldiasman, Muldiasman; Sitanggang, Hendra Dhermawan; Octaviana, Tarra; 'Aisya, Nakhlatul
Jurnal Salam Sehat Masyarakat (JSSM) Vol. 7 No. 2 (2026): Vol. 7 No. 2 (2026): Jurnal Salam Sehat Masyarakat
Publisher : Prodi Ilmu Kesehatan Masyarakat, FKIK Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jssm.v7i2.55630

Abstract

Women's health issues remain an important issue in Indonesia, especially those related to reproductive health and poor nutritional status among women of productive age. Lack of knowledge makes them vulnerable to nutritional problems such as anemia, chronic energy deficiency (CED), pregnancy complications, and reproductive health disorders that lead to domestic violence. This community service program aims to increase women's knowledge and awareness to improve their health independence through the establishment of a Women's School in Pudak Village, Muaro Jambi Regency. The activity was carried out using a community-based participatory approach, which involved women, village officials, and health workers in every stage of implementation. The stages of the activity included advocacy, socialization, the establishment of the Women's School, the implementation of reproductive health and nutrition education, and evaluation through pre-tests and post-tests. This activity successfully fostered awareness, enthusiasm, and commitment among participants to apply reproductive health and balanced nutrition practices in their daily lives and prevent domestic violence. The formation of Women's School cadres is an important achievement for the sustainability of education and women's empowerment at the village level.
The Moderating Role of Religiosity on Green Finance, Trust, and Interest in Green Financial Products Ummi Kalsum; Mister Candera; Randy Hidayat; Novia Zahrah; Belliwati Kosim
Jurnal Aplikasi Bisnis dan Manajemen Vol. 12 No. 2 (2026): JABM, Vol. 12 No. 2, May 2026
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.12.2.708

Abstract

Background: The increasing urgency of environmental issues has encouraged the expansion of sustainable financial practices, including the development of green finance. Despite this progress, public familiarity with green financial products and confidence in related institutions remain relatively limited. In the Indonesian context, especially among religious-based educators such as Muhammadiyah teachers, financial decisions may also be influenced by spiritual and ethical considerations. Therefore, this study investigates the roles of green finance literacy and institutional trust in shaping interest in green financial products, with religiosity examined as a moderating variablePurpose: This research aims to evaluate the influence of green finance literacy and trust on teachers’ intention to use green financial products and to assess whether religiosity strengthens these relationships.Design/methodology/approach: A quantitative survey design was applied in this study. Respondents were selected using proportionate stratified random sampling from Muhammadiyah senior high school and vocational school teachers in Palembang. Data were collected through structured questionnaires with a five-point Likert scale and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM).Findings/Results: The findings demonstrate that green finance literacy and trust significantly affect interest in green financial products. Religiosity does not strengthen the relationship between literacy and intention, but it significantly reinforces the effect of trust on intention.Conclusion: The adoption of green financial products among Muhammadiyah teachers is primarily influenced by knowledge and institutional trust. Religiosity contributes indirectly by amplifying the role of trust rather than literacy.Originality/value (State of the art): This study contributes to sustainable finance literature by integrating religiosity into the green finance behavioral model and focusing on religious educators as a specific social group in Indonesia Keywords:   green finance literacy, trust, interest in green financial products, religiosity, SEM
Perbedaan Model Altman Z-Score, Springate, dan Zmijewski dalam Memprediksi Kebangkrutan pada Sub Sektor Perdagangan Eceran yang Terdapat di Bursa Efek Indonesia Primasari Fitria; Ajeng Putri Pratiwi Azis; Ervita Safitria; Ummi Kalsum
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 3: Maret 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i3.15203

Abstract

This research aims to determine whether there the different between Altman Z-Score, Springate, and Zmijewski in predicting the bankruptcy of registered retail sub-sector in Indonesia Stock Exchange with the sample of 8 companies selected at purposive sampling. This research includes the type of comparative research. The data used in this research is secondary data. Data collection method is a method of document analysis. The analytical technique used is the formula of Altman Z-score model, Springate model, and Zmijewski model and use Ms. Excelto processed the data. The hypotesis is done with One Way Anova via SPSS aplication. This result of this study show that based on calculations for five years, the bankruptcy prediction model of Altman Z-Score, Springate, and Zmijewski is PT. Matahari Putra Prima Tbk which has the potential to go bankrupt. The result of hypotesis show that there is a defference between Altman Z-score model, Springate model and Zmijewski model in predicting bankruptcy.
Efektivitas Edukasi Aplikasi Permainan Ular Tangga Digital Terhadap Pengetahuan Konsumsi Buah dan Sayur pada Remaja Rumapea, Lastri Margareth; Kalsum, Ummi; Kasyani Kasyani
Jurnal Ilmiah Kedokteran dan Kesehatan Vol. 4 No. 3 (2025): September: Jurnal Ilmiah Kedokteran dan Kesehatan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/klinik.v4i3.4604

Abstract

Fruit and vegetable consumption in Jambi Province in 2018 was still relatively low, due to a lack of knowledge about fruits and vegetables. Knowledge among adolescents can be improved by providing education through digital snake and ladder games. The purpose of this study was to examine the effectiveness of nutrition education through digital snake and ladder game applications on knowledge about fruit and vegetable consumption among adolescents. This quasi-experimental study used a pretest-posttest design with a control group. The sampling technique was proportional random sampling, with 40 treatment groups and 40 control groups. The treatment group (digital snakes and ladders game) was located at SMPN 2 Muaro Jambi, and the control group (leaflet) was located at SMPN 10 Muaro Jambi. The dependent variable was knowledge, measured using a questionnaire. This study used the Paired T Test and Mann-Whitney tests. The average knowledge scores before and after the intervention in the treatment group increased (p-value 0.000). The average knowledge scores before and after the intervention in the control group also increased (p-value 0.016). The average knowledge score after the intervention in the treatment group was higher than that in the control group (p-value 0.003). The digital snakes and ladders game was more effective than the leaflet in improving knowledge about fruit and vegetable consumption among adolescents.
The Effect of Inflation, Unemployment, and GRDP on the Number of Poor People in South Sumatra Province Ayu Geby Gisela Syaputri; Muhammad Bahrul Ulum; Ummi Kalsum; Primasari Fitria
Jurnal Ilmiah Ekonomi Global Masa Kini Vol. 17 No. 1 (2026): Vol. 17 No. 1
Publisher : Universitas Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36982/jiegmk.v17i1.6733

Abstract

This study aims to analyze the effects of inflation, unemployment, and Gross Regional Domestic Product (GRDP) on the number of poor people in South Sumatra Province during the 2015–2023 period. Poverty remains one of the economic problems that continues to be a major concern for the regional government because it is directly related to community welfare. A high inflation rate can reduce people’s purchasing power, and increased unemployment can decrease community income, while GRDP growth is expected to improve economic activities and public welfare. Therefore, this study was conducted to determine the relationship between these macroeconomic variables and the number of poor people. This study uses a quantitative approach with secondary data obtained from Statistics Indonesia (BPS) and official regional government publications during a certain period. The analytical method used is multiple linear regression analysis to determine the partial and simultaneous effects of inflation, unemployment, and GRDP on the number of poor people in South Sumatra. The results of the study indicate that unemployment has a positive and significant effect on the number of poor people, while inflation and GRDP have a negative and insignificant effect on the number of poor people. Simultaneously, these three variables have a significant effect on the poverty level in South Sumatra. This study is expected to serve as a consideration for the government in formulating economic policies oriented toward poverty reduction and improving community welfare. Keywords: Poverty, Inflation, Unemployment, GRDP
Peningkatan Literasi Green Finance melalui Edukasi dan Proyek Siswa SMK Muhammadiyah 2 Palembang Ummi Kalsum; Primasari Fitria; Ayu Geby Gisela Syahputri; Randy Hidayat; Arradytia Permana; Yunita Febriani
Lamahu: Jurnal Pengabdian Masyarakat Terintegrasi Vol 5, No 1: February 2026
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37905/ljpmt.v5i1.35458

Abstract

The Community Service Program (PKM) conducted at SMK Muhammadiyah 2 Palembang was designed to enhance students’ green finance literacy as part of efforts to strengthen environmentally responsible financial behavior in the school setting. The program implemented several learning activities, including seminars on green finance concepts, training on sustainable financial management, and project-based assignments in which students designed simple green finance initiatives relevant to their vocational fields. A total of 35 students from grades X and XI participated under the guidance of supervising teachers. The results of the program show a marked improvement in students’ knowledge. The average pre-test score of 69.73 increased to an average post-test score of 99.46. This improvement indicates that the learning activities effectively strengthened students’ understanding of green finance. In addition to the quantitative gains, students also produced creative and practical ideas for integrating green finance principles into daily school practices. This PKM contributes to the development of a practical and replicable model for integrating green financial literacy into vocational education. It is expected that the approach used in this program can serve as a sustainable learning model that supports the promotion of green finance awareness and environmentally conscious behavior among vocational school students.
Co-Authors 'Aisya, Nakhlatul . Asparian, . Abid Djazuli Abidah Idrus, Nur Ajeng Putri Pratiwi Azis Al Hamid, Muhammad Dzikri Amidi Amrah Muslimin Andri Hendrizal Andriansyah Bari Ani Melani Aprillia, Sindy Ardatiya, Elista Arraditya Permana Arraditya, Permana Arradytia Permana Arradytia Permana Ayu Geby Gisela Syahputri Ayu Geby Gisela Syaputri Basyith, Abdul Beliwati, Kosim Belliwati Kosim Belliwati Kosim Bora Alviolesa Citra Kasuwara Dewi Wira Trisenag Dewi, Lorenza Chartika EFRINA MASDAINI Ervita Safitria Fadhil Yamaly Fagar Fertiwi Fardah Tunisia Ahmad Fernianti, Dewi Fitantina, Fitantina Fitriana Fitriana Gunandi, Iwan Guspianto Guspianto Hendra Dhermawan Sitanggang Ichwani Putri, Iffa Juniar, Heni Kasyani Kasyani Kholillah, Kholillah Kirana, Sephia Rahma Konisi, La Yani Kosim, Belliwati La Ino Lesi Agusria Madi, Adnan Mardwita Marhaini Marlisa Juniarsi Maruli, Ahmad Masdaini, Efrina Mister Candera Muhammad Arief Karim Muhammad Bahrul Ulum Muhammad Syahril Muldiasman, Muldiasman Muslimin, Amrah Muthia, Sevia Putri Nahendra Nanda Sutriyani Novia Zahrah Nurfaizah AP, Nurfaizah Nurul Fauziah Octaviana, Tarra Oktaviani, Sheila Patricia Ayu Dewayanti Permana, Arraditya Primasari Fitria Primasari Fitria Primasari Fitria Qoriyanah, Finny Febri Randy Hidayat Randy Hidayat Resthie Andela Rifli Rindes Rumapea, Lastri Margareth Safitri, Ervita Sandrika Widya Putri Setiawan Sena Apriyani Sepita Ferazona Sulistiawati, Khurning Utami, Dinarossi Yesi Oktavia Yudha Mahrom Yulian Sahri Yunita Febriani