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All Journal Jurnal Riset Akuntansi dan Keuangan TIN: TERAPAN INFORMATIKA NUSANTARA Jurnal Penyuuhan dan Pemberdayaan Masyarakat (JPPM) Mount Hope Global Economic Journal Journal Accounting International Mount Hope
Musthafa, Afif
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Voluntary Carbon Disclosure on Financial Performance and Investment Efficiency: A Study in Indonesia Musthafa, Afif; Arifin, Taufiq
Jurnal Riset Akuntansi dan Keuangan Vol 12, No 2 (2024): Jurnal Riset Akuntansi dan Keuangan. Agustus 2024 [DOAJ dan SINTA Indexed]
Publisher : Program Studi Akuntansi FPEB UPI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/jrak.v12i2.70072

Abstract

This study aims to seek empirical evidence on the effect of voluntary carbon disclosure on financial performance and investment efficiency of companies in Indonesia before the HPP Law. This study uses panel data analysis with a sample of 644 companies listed on the Indonesia Stock Exchange. The 2019-2020 sample was used because in 2021 there is already a law governing carbon tax. The results showed that the company's voluntary carbon disclosure has no influence on financial performance, both in the short and long term but has a positive influence on the company's investment efficiency. This research highlights the importance of voluntary carbon disclosure in building trust and support from stakeholders, which can provide benefits to the company in the form of investment efficiency and better financial performance. This research presents a more complex measure of voluntary carbon disclosure linked to financial performance and investment efficiency.
ANLISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEBERHASILAN PENGAJUAN KREDIT USAHA RAKYAT DI BANK TABUNGAN NEGARA KANTOR CABANG MAGELANG Malazia, Syahrul; Musthafa, Afif
Journal Accounting International Mount Hope Vol. 3 No. 1 (2025)
Publisher : Journal Accounting International Mount Hope

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61696/jaimo.v3i1.679

Abstract

Bank Tabungan Negara KC Magelang is a State-Owned Enterprise engaged in banking and financial business. People's Business Credit product is one of the business activities of Bank Tabungan Negara KC Magelang which is intended for business actors who want to develop their business. This study aims to determine the system and procedures applied by Bank Tabungan Negara KC Magelang in the People's Business Credit product. The study uses a qualitative approach and comprehensive data analysis regarding a problem. The sources of this research are primary data and secondary data obtained from the results of observations, interviews and documentation. The results of this study formulate conclusions about the People's Business Credit System and Procedures applied at Bank Tabungan Negara, obstacles in the implementation of People's Business Credit, namely many files are rejected by the UMKM processing center unit (SPU)/risk analyst because the submitted files do not meet the requirements, as well as efforts and solutions obtained in dealing with the many rejected files
ANALISIS FAKTOR-FAKTOR PENYEBAB LAMBATNYA PERSETUJUAN KPR (KREDIT PEMILIKAN RUMAH) DI BANK TABUNGAN NEGARA KC MAGELANG Saputra, Rheno Arya; Musthafa, Afif
Mount Hope Economic Global Journal Vol. 3 No. 2 (2025)
Publisher : Institut Teknologi dan Bisnis Kristen Bukit Pengharapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61696/mega.v3i2.706

Abstract

Home Ownership Credit (KPR) is one of the financing facilities that is highly sought after by the public in an effort to meet housing needs. As one of the banks focused on housing financing, Bank Tabungan Negara (BTN) plays an important role in distributing KPR, including at the Magelang Branch Office. However, in its implementation, the mortgage approval process does not always run smoothly. Various obstacles often arise, such as incomplete documentation and the financial condition of the debtor not meeting the requirements. These obstacles can slow down credit approval and impact customer satisfaction. Understanding the factors that cause these delays is an important step in improving the effectiveness of KPR services at BTN KC Magelang.
Peran Kecerdasan Buatan dalam Inovasi Instrumen Keuangan Hijau untuk Pembangunan Berkelanjutan Giovanni, Axel; Dewantara, Ghiyats Furqan; Musthafa, Afif; Hartono, Budi; Putri, Namira Rahma; Fadlilah, 'Atikah Nur; Witantri, Galuh; Kurniasari, Erika
TIN: Terapan Informatika Nusantara Vol 6 No 3 (2025): August 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/tin.v6i3.8176

Abstract

Climate change is driving the urgency of transitioning to a low-carbon economy. In this regard, green finance is an important instrument in mitigating climate change. However, the implementation of green finance faces challenges such as data complexity, information asymmetry, and the risk of greenwashing. This study aims to systematically examine the role of artificial intelligence (AI) in expanding the adoption, effectiveness, and innovation of green finance instruments among stakeholders. The method used is a Systematic Literature Review (SLR) of 61 articles from the Scopus database, analyzed using the PICo framework and CASP quality assessment. The results of the study indicate that AI can fundamentally support 1) stakeholder needs and challenges, 2) accuracy, transparency, and efficiency, and 3) mitigating the risk of greenwashing. Stakeholder needs and challenges can be addressed by AI through improved accuracy in risk prediction and market analysis, as well as optimizing green portfolios. AI mechanisms have proven capable of improving accuracy through advanced predictive models, strengthening transparency with Explainable AI (XAI) and blockchain, and driving efficiency through automation and resource optimization. Significantly, AI integration strengthens the positive impact of sustainable investments and serves as a powerful mitigation tool against greenwashing risks by objectively verifying environmental claims and enhancing accountability. AI emerges as a transformative technology to accelerate an effective and credible green financial ecosystem.
Perluasan Pemasaran dan Penjualan Produk Paguyuban Warsamundung Melalui Digital Marketing dan Pengembangan Website Komunitas Mujib, Miftachul; Ratnawati, Shinta; Ikhwan, Khairul; Musthafa, Afif; Syakina, Nadia; Setianingsih, Yunita
Jurnal Penyuluhan dan Pemberdayaan Masyarakat Vol. 4 No. 3 (2025): Jurnal Penyuluhan dan Pemberdayaan Masyarakat (September)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/jppm.v4i3.1600

Abstract

The Warsamundung Disability Association in Magelang Regency has many economically independent members who produce various handicrafts and processed foods. Despite their potential for economic growth, they face several operational challenges. The main challenges include a lack of knowledge about digital marketing, weak managerial skills, and limited access to a wider market. To address these challenges, a community service program was designed to enhance members' capacity by improving their understanding of digital marketing and developing marketing channels for their products. This program aims to improve human resource capacity, expand market access, increase sales turnover, and create more sustainable businesses. The community service method involves surveying partner needs, formulating programs, implementing programs with digital marketing techniques, and developing websites as a promotional and marketing medium. The expected outcome of this community service program is that members of the Warsamundung Disability Association can optimize their economic potential by expanding marketing and increasing product sales.
Co-Authors 12.520.20.206 Shinta Ratnawati, 12.520.20.206 Arifin, Taufiq Axel Giovanni Budi Hartono Dewantara, Ghiyats Furqan Fadlilah, 'Atikah Nur Khairul Ikhwan Kurniasari, Erika Malazia, Syahrul Mujib, Miftachul Putri, Namira Rahma Saputra, Rheno Arya Setianingsih, Yunita Syakina, Nadia Witantri, Galuh