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All Journal International Journal of Engineering, Science and Information Technology International Journal of Educational Review, Law And Social Sciences (IJERLAS) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Unram Journal of Community Service (UJCS) International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Sinomika Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) International Conference on Health Science, Green Economics, Educational Review and Technology (IHERT)
Muhammad Multazam
Universitas Bumi Persada
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Physics Social Sciences Transportation Other

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DIGITAL FINANCIAL LITERACY TRAINING FOR YOUTH OF NORTHWEST HAGU VILLAGE USING CAPITAL MARKET INVESTMENT AND STOCK SAVINGS METHODS Muhammad Multazam; Rico Nur Ilham; Irada Sinta; Muttaqien; Ayu Anora; Yusnidar
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 4 No. 3 (2024): November 2024 - February 2025
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/irpitage.v4i3.2066

Abstract

Digital financial literacy training for the youth of Gampong Hagu Barat Laut aims to improve their understanding of capital market investment and stock saving strategies. This activity is designed to introduce the basic concepts of digital finance, especially in relation to capital market investment, which is often considered a tool for achieving long-term financial stability. With the capital market investment and stock saving methods, training participants are invited to understand the risks and benefits associated with long-term investment and portfolio diversification. In this training, emphasis is placed on the importance of stock saving discipline, where young people are expected to be able to consistently set aside funds to be invested, even in small amounts, but done sustainably. This training also emphasizes the use of safe and legal digital financial platforms, so that participants can take advantage of technological advances to invest efficiently and transparently. The results of the training showed an increase in the knowledge and skills of participants in understanding how the capital market operates, as well as how to start investing in stocks safely and profitably. Young people who were previously unfamiliar with the capital market now have basic knowledge that allows them to be more actively involved in investment activities, as a step to improve their financial literacy and strengthen their personal and community economy.
TRAINING ON UTILIZATION AND PRODUCTION OF BANANA STEM CHIPS AS AN UMKM IDEA T.Edyansyah; Rico Nur Ilham; Muhammad Multazam; Amru Usman; Muttaqien; Tarmizi Abbas
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 4 No. 3 (2024): November 2024 - February 2025
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/irpitage.v4i3.2074

Abstract

Gampong Pase Sentausa, Simpang Keuramat District, North Aceh Regency is a village with approximately 500 people, with most of them working as farmers. Gampong Pase Sentausa also has various potential natural resources that are quite potential to be developed such as banana plants. Banana plants are a potential garden crop of the Gampong Pase Sentausa community, but until now the Gampong Pase Sentausa community knows bananas which are used as snacks or sold in bunches while the leaves are used for wrapping containers for making cakes and so on, while the use of banana stems has so far only been used as animal feed. In fact, if seen from its benefits, banana stems have many benefits for human health, namely they can treat and cure various diseases including: as a detoxification of the digestive system, losing weight, controlling cholesterol and blood pressure, curing stomach acid, curing stomach acid, stabilizing blood sugar, and there are still many benefits of banana stems for health. On the other hand, the people of Gampong Pase Sentausa underestimate banana stems and have no economic value at all, so through the 2022 KKN-LPPM, Malikussaleh University students took the initiative to provide innovation training in the use and manufacture of Banana Stems into Banana Stem Chips (Gedebog Chips) so that banana stem stalks which so far have no economic value can be increased through innovation in making and processing Banana Stem stalks into Gedebog Chips as a snack food for children and adults. The innovation in making banana gedebog chips will provide added economic value for the Pase Sentausa Village Community. The materials and tools used to make banana gedebog chips are easy to obtain and the manufacturing process is very easy and can be done individually or in community groups, which can be used as one of the entrepreneurial activities for the people of Gampong Pase Sentausa, Simpang Keuramat District, North Aceh Regency.
EMPOWERMENT OF PROMOTION STRATEGIES OF UMKM BUMG AMAL BAKERY THROUGH DIGITAL MEDIA IN GAMPONG COT GIREK KANDANG, MUARA DUA DISTRICT, LHOKSEUMAWE CITY Yusnidar; Ismuhadi; Muhammad Multazam; Ayu Anora
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 4 No. 3 (2024): November 2024 - February 2025
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/irpitage.v4i3.2175

Abstract

Digital media is the right way to open up opportunities to promote MSME products. Gampong Cot Girek Kandang, precisely in the Muara Dua sub-district of Lhokseumawe City, is one of the areas that has the MSME product Amal Bakery owned by the Village-Owned Enterprise (BUMG). This product is extraordinary if promoted outside the region, but the digital media facilities are inadequate. In fact, digital media is easy to apply for its users. Therefore, the purpose of this PKM is to empower the promotion strategy of amal bakery through digital media for the community via Facebook, Instagram, TikTok and Shoppe. Community service is carried out as a series of work programs. The technique of participatory assessment results for MSME actors, then a work plan is built to promote together. Based on the results of the empowerment carried out, it can be concluded that it is important for each village to have existing digital media, so that if they have implemented products that can increase the community's economy, then through empowering the promotion strategy through digital media everything will be easy.
IMPROVING THE KNOWLEDGE AND SKILLS OF CHILDREN IN ORPHANAGES ABOUT ENVIRONMENTAL HEALTH AND PREVENTION OF FREE SEX FROM AN EARLY AGE Hamdiah; Sutriani; Muhammad Multazam; Em Yusuf Iis; Jumadiah; Rusydi Abubakar
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 4 No. 3 (2024): November 2024 - February 2025
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/irpitage.v4i3.2382

Abstract

Environmental health and free sex issues are important concerns in the context of sustainable development. Children in orphanages as part of a vulnerable group need to be equipped with knowledge and skills to face these challenges. This study aims to analyze strategies to improve the knowledge and skills of children in orphanages related to environmental health and early prevention of free sex. By using participatory methods and an education-based intervention approach, this study succeeded in improving children's understanding of these issues. These findings provide strategic recommendations for orphanage managers, the government, and related institutions to support the development of healthier and more empowered children.
THE INFLUENCE OF FINANCIAL LITERACY, DEMOGRAPHIC FACTORS, LOCUS OF CONTROL AND PARENTAL INCOME ON BEHAVIOR STUDENT FINANCE (Study on Management Study Program Students at Bumi Persada University) Muhammad Multazam; Yusnidar; Ayu Anora; Maisyuri; Zuraida
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 4 No. 6 (2024): December
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v4i6.2303

Abstract

This study aims to determine the effect of financial literacy, demographic factors, locus of control, parental income on financial behavior in UNBP Management Study Program Students. The data used in this study are primary data with a sample of 115 students and distributed online using a questionnaire obtained from the main source, namely UNBP Management Study Program Students. The data analysis method uses multiple linear regression analysis. The results of this study partially indicate that the financial literacy variable has a positive and significant effect on the financial behavior of UNBP Management Study Program students, the demographic factor variable has a positive and significant effect on the financial behavior of UNBP Management Study Program students, the locus of control variable does not have a significant effect on the financial behavior of UNBP Management Study Program students, and the parental income variable has a positive and significant effect on the financial behavior of UNBP Management Study Program students.
Dinamika Ekonomi Digital di Indonesia: Peluang dan Tantangan bagi Perekonomian Nasional Multazam, Muhammad; Nur Ilham, Rico
SINOMIKA Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi Vol. 3 No. 2 (2024)
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sinomika.v3i2.1802

Abstract

The digital economy in Indonesia has developed rapidly and has become one of the main drivers of the country's economic growth. With a large market potential and increasing internet penetration, the digital economy sector offers various opportunities for business development, job creation, and enhancing global competitiveness. However, this sector also faces several challenges, such as digital infrastructure gaps, low digital literacy, and data security and privacy issues. To maximize the potential of the digital economy, Indonesia needs to accelerate infrastructure development, improve digital literacy across all segments of society, and strengthen regulations related to personal data protection. The government, private sector, and society must collaborate to create an inclusive, secure, and sustainable digital economy ecosystem. This article discusses the dynamics of the digital economy in Indonesia, opportunities to be seized, and the challenges that must be addressed to drive growth in this sector. With the right approach, the digital economy can become a key pillar for Indonesia’s future economy.
The Miracle of Cryptocurrency: Opportunity at Global Transaction Management, Future Market and Present Value Reality Juanda, Reza; Falahuddin, Falahuddin; Muttaqien, Muttaqien; Ilham, Rico Nur; Ramansyah, Frengki Putra; Multazam, Muhammad
International Journal of Engineering, Science and Information Technology Vol 5, No 1 (2025)
Publisher : Malikussaleh University, Aceh, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52088/ijesty.v5i1.1111

Abstract

Cryptocurrency is an investment commodity that can generate returns and already has a license to trade in exchange. This study aims to examine the prospects of digital cryptocurrency assets more deeply by summarising the results of literature studies in various countries. In each of the continents scattered in the world, some countries support the existence of cryptocurrency as an investment asset and a means of payment. As a result of this study, it is known that many countries whose governments make strict regulations on support for legality and allow cryptocurrency transactions include: European Union members, namely Germany and Italy, and non-member countries of the European Union, such as Gibraltar. Furthermore, in the Americas, there are Canada and Venezuela. In East Asia and the Asia Pacific, Australia and Japan support the existence of cryptocurrency. Meanwhile, in Southeast Asian countries, there are contradictions between several countries, including Indonesia, Malaysia, Vietnam, and the Philippines, that reject cryptocurrency transactions because they are considered threats to money laundering and the problem of terrorism. However, Singapore and Thailand will protect cryptocurrency investors in their countries and ensure legal regulations for cryptocurrency transactions as investment assets and legal means of payment transactions. Investments in digital currencies or cryptocurrencies are increasingly prevalent worldwide and are supported by significant price increases. Of course, this is a prospect that cryptocurrency transactions can meet the expectations of all users in the world by making regulations regarding the legality of cryptocurrency, so that the transaction model can be integrated between users, both as an asset and a substitute for international payment currencies.
Cognitive Analysis of Village Potential Basic Integration in BUMDEs Managers in North Aceh District, Lhokseumawe City and Bireun District Likdanawati, Likdanawati; Hamdiah, Hamdiah; Sutriani, Sutriani; Ilham, Rico Nur; Multazam, Muhammad
International Journal of Engineering, Science and Information Technology Vol 5, No 1 (2025)
Publisher : Malikussaleh University, Aceh, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52088/ijesty.v5i1.1114

Abstract

Currently, the government continues to strive to build and develop the rural economy through community empowerment programs to increase productivity, business diversity, and regional potential, as well as improve the economy and welfare of rural communities. One of the government's programs is to provide a budget for funds in the field of community empowerment, which will be used to support the capital for establishing Village-Owned Enterprises (BUMDEs). This follows the objectives of BUMDEs, namely optimising the management of village assets and existing village potentials to support the village economy and improve the welfare of rural communities. But unfortunately, until now, the role and function of BUMDEs have not been effective or felt by the community. This is due to the inability and lack of professionalism of BUMDEs' management human resources, and the lack of integration of businesses managed by BUMDEs with existing village potentials, so that it seems as if BUMDEs stands only as a formality without supporting the economic potential of the village community. This study aims to create a strategic concept in BUMDEs management so that it runs more effectively and on target to support the village economy through the development of human resource knowledge in BUMDEs management, integrated with the economic potential of the village community. So, BUMDEs and Basic Pontesial village are integrated into a business institution that supports the village economy for the welfare of the village community. This solution can help village communities strengthen their economy and provide a view of knowledge and open insights to BUMDEs managers so that they can develop BUMDEs into a business that synergises with the community. This study uses primary data from questionnaires and interviews aimed at BUMDEs management employees to see the extent of their abilities, expertise, and knowledge to evaluate and innovate in the business. In analysing the data, this study uses the Maslahah Scorecard measurement method, which refers explicitly to performance measurements oriented towards the welfare of the people (society). The output of this study is the publication of a reputable national journal and a reference book of research results certified by an ISBN with an initial TKT level of TKT 1. A Final TKT Target of TKT 3, namely this study, will focus on the Integration of Basic Village Potential in BUMDEs Managers in North Aceh Regency, Lhokseumawe City and Bireun Regency.
THE ROLE OF THE GOVERNMENT OF NORTH ACEH DISTRICT, LHOKSEUMAWE CITY AND BIREUN DISTRICT IN BUMDES MANAGEMENT Likdanawati; Hamdiah; Sutriani; Rico Nur Ilham; Frengki Putra Ramansyah; Muhammad Multazam
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 3 No. 10 (2024): SEPTEMBER
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v3i10.569

Abstract

Currently, the government continues to strive to build and develop the rural economy through community empowerment programs with the aim of increasing productivity, business diversity and regional potential with the aim of improving the economy and welfare of rural communities. One of the government's programs is by providing a budget for funds in the field of community empowerment used to support the capital for the establishment of Village-Owned Enterprises (BUMDes). Where in accordance with the objectives of BUMDes, namely optimizing the management of village assets and existing village potentials, in order to support the village economy, and improve the welfare of rural communities. But unfortunately until now the role and function of BUMDes has not been effective and has not been felt by the community. This is due to the inability and lack of professionalism of BUMDes management human resources and the lack of integration of businesses managed by BUMDes with existing village potentials so that it seems as if BUMDEs stands only as a formality without supporting the economic potential of the village community. The purpose of this study is to create a strategic concept in BUMDes management so that it runs more effectively and on target so that it can support the village economy through the development of human resource knowledge in BUMDes management that is integrated with the economic potential of the village community. So that BUMDes and Basic Pontesial village are integrated into a business institution that actually supports the village economy for the welfare of the village community. This solution can help village communities in strengthening their economy and provide a view of knowledge and open insights to BUMDes managers so that they can develop BUMDes into a business that synergizes with the community.
Eka Learning Center (ELC) Tutoring Assistance thru the Development of SOPs and a Transparent Bookkeeping System Based on Excel Software Anora, Ayu; Multazam, Muhammad; Mardhiah, Ainol; Muktarullah, Millatina; Ningsih, Eka Utami; Yusnidar; Aulia, Muhammad Kahfi
Unram Journal of Community Service Vol. 6 No. 3 (2025): September
Publisher : Pascasarjana Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ujcs.v6i3.1128

Abstract

Non-formal educational institutions such as tutoring centers play a vital role in enhancing the quality of education within communities. However, many of these institutions face challenges in management governance, particularly in establishing standardized operational procedures and financial accountability systems. This community engagement program aimed to strengthen the management capacity of the Eka Learning Center (ELC) by developing Standard Operating Procedures (SOPs) and an accountable, transparent bookkeeping system using Microsoft Excel. The method adopted was a participatory approach, consisting of socialization sessions, technical training, simulation practices, and intensive mentoring for ELC administrators. The outcomes demonstrated a significant improvement in the partners’ understanding and skills in preparing applicable SOP documents and recording financial transactions systematically through customized Excel templates. Furthermore, the partners showed enhanced capacity in generating basic financial reports that are internally and externally accountable. This program contributed positively to increasing operational efficiency and institutional transparency. The success of this activity is expected to serve as a model for similar educational institutions and support the achievement of Sustainable Development Goals (SDGs), particularly in the areas of quality education and good institutional governance.
Co-Authors AA Sudharmawan, AA Agustina, Irda Ainol Mardhiah Almunadiya Amru Usman Andi Nurlinda Arliansyah Arliansyah Arliansyah, Arliansyah Aulia, Muhammad Kahfi Ayu Anora Azhari EM Yusuf Iis Fadli Falahuddin Falahuddin, Falahuddin Fauzi Pakpahan Frengki Putra Ramansyah Frengki Putra Ramansyah Fuadi Fuadi Fuadi Hamdiah Hamdiah Hamdiah Hanif Ikram Irada Sinta Ismed Wijaya Ismuhadi Jumadiah Jumini Jumini Kayacilar, Cengiz Lala Merlita Lasta Irawan, Ari Lia Rista Likdanawati Maisyuri Marbawi, Marbawi Mohd. Heikal Muammar Khaddafi Muktarullah, Millatina Mursidah Muttaqien Muttaqien Muttaqien Muttaqien, Muttaqien Nadia Rizky Ramadhani Ningsih, Eka Utami Nura Usrina Rahmiatul Aula Ramansyah, Frengki Putra Raudhatinur Rauzi Ramazalena Reza Juanda Rico Nur Ilham Rusydi Abubakar Saifanur, Andri Sari Yulis Terfiadi Sutan Febriansyah Sutriani Sutriani Sutriani Syahputri, Lidia T. Edyansyah, T. Edyansyah Tarmizi Abbas Tasyaul Azkia Teuku Afriliansyah Teuku Muhammad Iqbal Utaminingsih, Eka Venna Maulida Mustika Wahyuddin Yusnidar Zulfa Salma Fatin Zuraida