AIMATUL YUMNA
Jakarta
Summary
Dedicated researcher and lecturer with experience in finance, social finance, microfinance, Islamic finance and economic development for more than 18 years. Skilled in developing research conceptualization, design and implementation. Expertise in a mixed method, qualitative and quantitative data collection and analysis. Proficient in advanced statistics, econometrics and inductive approach. Experienced speakers and presenters in seminars and conferences. Experienced in writing policy recommendations and publishing articles in high quality publishers.
Overview
22
22
years of professional experience
23
23
years of post-secondary education
Work History
Lecturer and Researcher
Faculty of Economics International Islamic University of Indonesia
7 2021 - Current
- Teaching Master Degree in Economics and Sustainable Finance (subject taught : Financial economics, Qualitative Research Methodology).
- Teaching Doctoral Degree (subject taught : Qualitative Research Methodology).
- Arranged syllabus, developed schedule, and determined reading list for varied courses simultaneously, giving assignments and projects for student to encourage student active learning
- Thesis supervision in both Master and Doctoral Degree (13 students).
- Actively participate in Academic Conference as speakers, panelist and moderators
- Awarded Faculty Based Research Grant to study the effect of fintech on Islamic banking development.
- Actively participate in community development programs
Lecturer and Researcher
Department Management Universities Negeri Padang
4 2006 - Current
- Teaching Financial Management, Risk Management, Investment and Research Methodology for Bachelor and Master Degree in economics for more than 18 years
- Supervising thesis for bachelor and master degree ( more than 50 students)
- Conducted individual research projects to actively contribute to institution's research work. Several topics that have been studied : Microfinance, Islamic finance and banking, Social finance
- Actively participated in academic conferences as speaker, panelist or moderator
- Actively contributed in academic writing and discussion as reviewers of reputable journals and panelist in international seminars
- Published articles and book chapters in reputable journals
- Developed and implemented innovative teaching strategies to engage students in lectures and coursework.
Researcher
Department Ekonomi Syariah Bank Indonesia
1 2022 - 12.2022
- Conducted impact study for Cash Waqf Linked Sukuk (CWLS) empowerment program in four areas of Indonesia : Lampung, South Tangerang, Trenggalek East Java and Bima Nusa Tenggara.
- Established partnerships with government and industry leaders, facilitating collaboration on groundbreaking research initiatives.
- Developed research proposal, research plan and research budgeting
- Developed data collection strategies and monitored data quality for optimal research results through survey and focus group discussion
- Developed innovative research methodologies for data analysis, using quasi experiment procedures and Difference in Different method for impact evaluation
- Presented research findings at international conferences, raising awareness of public on study topic
- Published research reports in scopus indexed journal (Journal of Islamic Monetary and Finance ( JIMF)- Q2 journal)
Researcher
Badan Supervisi Bank Indonesia
01.2022 - 12.2022
- Conducted research on effect of digitalization for Syariah banking in Indonesia
- Developed research proposals, identified research objectives and created research plans.
- Collaborated with leadership team to identify relevant questions and determine best methods of collection.
- Implemented mixed methodology (quantitative and qualitative) for data analysis
- Wrote research papers, reports, reviews, and policy recommendations regarding effects of digitalization and Syariah Banking business model.
Principal Researcher
BRI Research Institute
1 2021 - 12.2021
- Conducted research on effects of Covid-19 pandemic and digitalization for Small Medium Enterprise who received National Economic Recovery Program (PEN).
- Developed comprehensive research plans, outlining project objectives, timelines, and resource requirements.
- Collaborated with industry to identify research topics that suit with its objectives
- Conducted advanced statistical analyses on large datasets to draw meaningful conclusions from complex information sets.
- Wrote research papers and published in scopus indexed journal.
Visiting Lecturer
Magister Management Program Universitas Diponegoro
01.2021 - 12.2021
- Taught Master Management Program ( Subject taught : MIcrofinance)
- Promoted critical thinking skills among students by integrating real-world examples into lectures, encouraging them to make connections between course material and everyday life situations.
- Collaborated with colleagues on curriculum development, incorporating innovative strategies for improved student outcomes.
- Created and designed quizzes, tests and projects to assess student knowledge.
Research Fellows
Islamic Banking Department/Otoritas Jasa Keuangan, Jakarta
01.2016 - 01.2017
- Facilitated strong communication among team members through regular meetings, progress reports, and dialogue.
- Collaborated with multidisciplinary teams to tackle complex research questions from various perspectives.
- Published research findings in top-tier academic journals, contributing to advancement of knowledge in field.
- Managed research projects within budget constraints while maintaining high-quality output and timely completion.
- Ensured highest standards of scientific integrity were upheld throughout all stages of research process.
Research Fellowship
Deakin University, Australia
01.2010 - 10.2010
- Conducted comprehensive literature reviews to identify knowledge gaps and inform future studies.
- Enhanced research quality by implementing rigorous methodologies and data analysis techniques.
- Published research findings on academic journal and book chapters
Lecture Assistant
Faculty of Economics Universitas Indonesia
05.2002 - 12.2005
- Enhanced student comprehension by utilizing creative teaching methods and incorporating real-world examples.
- Provided constructive feedback to students in a timely manner allowing them to improve their understanding of the subject matter.
- Checked assignments, proctored tests and provided grades according to university standards.
Education
Ph.D. - Microfinance
Deakin University
Melbourne Australia 10.2010 - 10.2014
Master in Finance - Finance
University of New South Wales
Sydney Australia 01.2005 - 02.2021
Bachelor in Economics - Financial Management
Universitas Indonesia
Depok Indonesia 08.1998 - 03.2001
Skills
Research design (proposal, literature reviews, conceptual framework)
Questionnaires and survey design
Interview and Focus Group Discussion
Qualitative data analysis ( case study, inductive and grounded theory)
Quantitative data analysis (econometrics, statistics)
Research ethics
Mixed methods research
Publishing article in reputable journals
Impact Evaluation
Teaching Excellence
Awards and Honors
- Best paper award, The 9th International Islamic Monetary Economics and Finance, Bank Indonesia, The Impacts of CWLS empowerment programs: empirical evidence From Indonesia, 2023
- Best paper award, The 5th Annual Islamic Finance Conference AIFC, the Ministry of Finance, The Role of Waqf for Sustaining wellbeing of SMEs during Covid-19 pandemic, 2021
- Best paper award – scopus category, Forum Riset Ekonomi Syariah Otoritas Jasa Keuangan, social performance and Investment decision of sharia companies in Indonesia, 2019
Professional services
Reviewers of of reputable journals such as:
- Journal of Islamic Accounting and Business Research
- World Development Perspective
- The South East Asian Journal of Management Universitas Indonesia
- Jurnal Dinamika Akuntansi dan Bisnis Universitas Syiah Kuala
- Muslim Business and Economic Reviews Universitas Islam Internasional Indonesia
- Journal of King Abdulaziz University: Islamic Economics
Research Grants
- Universitas Islam Internasional Indonesia, Fintech and Islamic banking growth, 2023
- Departemen Ekonomi Syariah Bank Indonesia, Impact Study of Cash Waqf Linked Sukuk, 2022
- Badan Supervisi Bank Indonesia, Islamic banking model in digitalization era, 2022
- BRI Research Institute, Principal Researcher, Small medium enterprises resilience during COVID-19, 2021
- PNBP Padang State University Research Grant, Principal Researcher, Microfinance and waqf fund, 2021
- Department Management/Universitas Negeri Padang, Principal Researcher, Islamic banking efficiency, 2006, 2019
- Islamic Banking Department/Otoritas Jasa Keuangan, Research Fellow, Islamic banking product development, 2016, 2017
- Deakin University, Australia, Research Fellowship, Islamic microfinance, 2010
Selected Publications
- Yumna, Aimatul, Marta, Joan, Yanuarta, Ramel, The impact of waqf-based microfinance program on clients' well-being during COVID-19 pandemic: empirical evidence from Indonesia, Journal of Islamic Accounting and Business Research. 30 April 2024 ( Scopus Q2)
- Yumna, Aimatul, A sustainable Islamic microfinance model in poverty alleviation, Handbook of Research on Development and Religion, Edward Elgar Publishing Ltd, 2013 ( Scopus Book)
- Yumna, Aimatul, Applying Islamic finance principles to microfinance, Islam and Development: Exploring the Invisible Aid Economy, Ashgate, 2014, Yumna, A., 9 Productive Zakat and social justice, Social Justice and Islamic Economics: Theory, Issues and Practice, 149, 2019,
- Yumna, A., et al, The impacts of Cash Waqf Linked Sukuk empowerment programs: Empirical evidence from Indonesia, Journal of Islamic Monetary Economics and Finance, 10, 1, 5-34, 2024, https://doi.org/10.21098/jimf.v10i1.1940 ( Scopus Q2)
- Yumna, A., & Marta, J., Understanding the Factors Influencing Banking Customer Financial Asset Ownership, Journal of Islamic Monetary Economics and Finance, 7, 1, 107-126, 2021 ( Scopus Q2)
- Yumna, A., The X-Efficiency of Shariah and Conventional Banking's in Indonesia, International Research Journal of Business Studies, 13, 2, 149-159, 2020 ( Sinta 2)
- Yumna, A., & Clarke, M., Examining the Outreach of Islamic Charity Based Microfinance Programs: Empirical Evidence from Indonesia, Journal of Islamic Monetary Economics and Finance, 5, 4, 849-872, 2019 ( Scopus Q2)
- Yumna, A., Examining financial needs of banking customers for product development in Islamic banking in Indonesia, International Journal of Islamic and Middle Eastern Finance and Management, 2019 ( Scopus Q2)
- Yumna, A., Cheisviyanny, C., & Tasman, A., Factors Forming Firm Performance of Micro-Businesses, Sixth Padang International Conference On Economics Education, Economics, Business and Management, Accounting and Entrepreneurship (PICEEBA 2020), 647-651, 2021, June
- Yumna, A., Cheisviyanny, C., Tasman, A., & Susanti, F. A., The Determinants of Micro, Small and Medium Enterprises (Msmes) Financial Performance: A Literature Review, The Fifth Padang International Conference on Economics Education, Economics, Business and Management, Accounting and Entrepreneurship (PICEEBA-5 2020), 521-525, 2020, November
References
- Prof. Matthew Clarke, Alfred Deakin Professor, Deakin University Australia, matthew.clarke@deakin.edu.au
- Prof. Dian Masyita, Dean of the Faculty of Economics and Business, International Islamic University of Indonesia, dian.masyita@unpad.ac.id
Timeline
Researcher
Badan Supervisi Bank Indonesia
01.2022 - 12.2022
Visiting Lecturer
Magister Management Program Universitas Diponegoro
01.2021 - 12.2021
Research Fellows
Islamic Banking Department/Otoritas Jasa Keuangan, Jakarta
01.2016 - 01.2017
Ph.D. - Microfinance
Deakin University
10.2010 - 10.2014
Research Fellowship
Deakin University, Australia
01.2010 - 10.2010
Master in Finance - Finance
University of New South Wales
01.2005 - 02.2021
Lecture Assistant
Faculty of Economics Universitas Indonesia
05.2002 - 12.2005
Bachelor in Economics - Financial Management
Universitas Indonesia
08.1998 - 03.2001
Lecturer and Researcher
Faculty of Economics International Islamic University of Indonesia
7 2021 - Current
Lecturer and Researcher
Department Management Universities Negeri Padang
4 2006 - Current
Researcher
Department Ekonomi Syariah Bank Indonesia
1 2022 - 12.2022
Principal Researcher
BRI Research Institute
1 2021 - 12.2021
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