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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) Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan 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

Author-ID : 7797608

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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ECONOMIC EMPOWERMENT OF VILLAGE COMMUNITIES THROUGH FINANCIAL MANAGEMENT TRAINING AND SUSTAINABLE MICRO-BUSINESS DEVELOPMENT IN LHOKSEUMAWE CITY Sutan Febriansyah; Muhammad Multazam; Almunadiya; Raudhatinur; Nura Usrina; Yusnidar; Lia Rista
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 5 No. 2 (2025): July-October 2025
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/irpitage.v5i2.4324

This activity aims to increase the financial literacy capacity of village communities, strengthen the ability of micro-entrepreneurs to manage business finances effectively, and encourage the sustainability of businesses based on local potential. The training was held for one day and attended by 35 participants consisting of MSMEs, entrepreneurial housewives, and village youth in the Lhokseumawe City area. The implementation method included three main stages, namely: (1) preparation and coordination with village partners; (2) implementation of the training covering two main materials—simple financial management and sustainable micro-enterprise development strategies; and (3) evaluation and mentoring after the training for two months. A participatory approach was used so that participants actively discussed and directly implemented financial recording practices. The results of the activity showed a significant increase in participant understanding and skills. Before the training, only around 28% of participants were able to record their finances, while after the training, this figure increased to 87%. Participants also showed increased awareness of the importance of separating personal and business finances, and began planning more targeted business development strategies. In addition, small business groups were formed at the village level as an initial step towards sustainable economic empowerment. This PKM activity makes a real contribution to increasing the economic capacity of village communities and strengthening collaboration between universities and the community.

INCREASING THE CAPACITY AND COMPETITIVENESS OF MSMES THROUGH EMPOWERMENT SEMINAR IN MUARA DUA DISTRICT Muhammad Multazam; Azhari; Ismed Wijaya; Zulfa Salma Fatin; Tasyaul Azkia
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 5 No. 2 (2025): July-October 2025
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/irpitage.v5i2.4328

This community service activity aims to improve the capacity of Micro, Small, and Medium Enterprises (MSMEs) through a training program focused on business management, product marketing strategies, and the use of digital technology. The program employed Participatory Action Research (PAR) as its method, emphasizing active participant participation through interactive workshops and direct mentoring. The program was implemented in July 2024 and involved 30 participants from various MSME sectors in the Muara Dua sub-district. The results demonstrated a significant increase in participants' understanding of business management, marketing strategy development, and increased confidence in adopting new technologies. Technology implementation was evident in the use of social media as a primary tool in MSME product marketing strategies. Furthermore, this activity also had a positive impact on increasing revenue and expanding market reach for entrepreneurs. Strengthening networks between MSMEs, local governments, and local communities contributes to the creation of a sustainable and competitive business ecosystem in the future.

INFLUENCE OF PRODUCT QUALITY ON CONSUMER PURCHASE INTEREST WITH CUSTOMER SATISFACTION AS A VARIABLE INTERVENING IN BLACK ONLINE STORE MARKET LHOKSUMAWE CITY: (Case Study on Black Market Online Store Customers in Lhoksumawe City) Lasta Irawan, Ari; Multazam, Muhammad; Nur Ilham, Rico; Kayacilar, Cengiz
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 1 No. 1 (2021): DECEMBER
Publisher : RADJA PUBLIKA

This study aims to determine how the influence of product quality on consumer buying interest with customer satisfaction as an intervening variable in the Lhoksumawe City Black Market Online Store. The research method used is the method of qualitative data and quantitative data. While the data used is primary data. The data analysis method in this study uses simple linear regression analysis to obtain a comprehensive picture of the effect of product quality variables on consumer buying interest using the SPSS 25 for Windows program. To find out whether there is a significant effect of the independent variable on the dependent variable, a simple linear regression model is used. The results of hypothesis testing using simple regression analysis and t-test indicate that: the t-table value of the Product Quality variable is 7.644 > the t-table value (df: : 68%) is 1.995 so it can be concluded that product quality has a positive and significant effect on Consumer Buying Interest. Path analysis shows the direct effect of Product Quality X on Consumer Buying Interest Y of 0.670. Meanwhile, the indirect effect through Customer Satisfaction Z is 0.803 x 0.273 = 0.2192. From the calculation results obtained, it shows that the direct effect through Product Quality X is greater than the indirect effect on Consumer Buying Interest Y. 995 so that it can be concluded that product quality has a positive and significant effect on consumer buying interest. Path analysis shows the direct effect of Product Quality X on Consumer Buying Interest Y of 0.670. Meanwhile, the indirect effect through Customer Satisfaction Z is 0.803 x 0.273 = 0.2192. From the calculation results obtained, it shows that the direct effect through Product Quality X is greater than the indirect effect on Consumer Buying Interest Y. 995 so that it can be concluded that product quality has a positive and significant effect on consumer buying interest. Path analysis shows the direct effect of Product Quality X on Consumer Buying Interest Y of 0.670. Meanwhile, the indirect effect through Customer Satisfaction Z is 0.803 x 0.273 = 0.2192. From the calculation results obtained, it shows that the direct effect through Product Quality X is greater than the indirect effect on Consumer Buying Interest Y.

RELATHIONSIP BETWEEN MONEY VELOCITY AND INFLATION TO INCREASING STOCK INVESTMENT RETURN: EFFECTIVE STRATEGIC BY JAKARTA AUTOMATED TRADING SYSTEM NEXT GENERATION (JATS-NG) PLATFORM Nur Ilham, Rico; Arliansyah, Arliansyah; Juanda, Reza; Multazam, Muhammad; Saifanur, Andri
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 1 No. 1 (2021): October
Publisher : CV. Radja Publika

This study aims to formulate strategies to avoid macroeconomic risks in investing in the Indonesian capital market so that more people will be able to trade in financial instruments traded in the Indonesian capital market using an integrated online transaction system. This type of research is quantitative descriptive with the research population of 20 State-Owned Enterprises (BUMN) listed on the Indonesia Stock Exchange. The type of data in this study is time series data taken from 2016 to 2020 by conducting a documentation study conducted on the publication of annual financial statements (Financial Statements), so that the target population is 40 (8 Companies x 5 Years) annual financial report data for the research sample. The data analysis method in this study uses Moderate Regression Analysis (MRA) and data analysis uses the Smart PLS statistical software. The outputs of this research are publications of reputable international journals, international proceedings and reference books for ISBN certified research results with TKT level 3.

APPLICATION OF GOOD CORPORATE GOVERNANCE PRINCIPLES IN IMPROVING BENEFITS OF STATE-OWNED ENTERPRISES (An Emperical Evidence from Indonesian Stock Exchange at Moment of Covid-19) Nur Ilham, Rico; Arliansyah, Arliansyah; Juanda, Reza; Sinta, Irada; Multazam, Muhammad; Syahputri, Lidia
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 2 No. 5 (2022): October
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v2i5.410

Restructuring and privatization are important efforts to increase the efficiency and productivity of SOEs. This research aims to formulate strategies in regulating and controlling companies to increase business success while taking into account the interests of stakeholders and reducing agency conflicts in order to achieve company goals. So that investors in the capital market are very concerned about the company's ability to generate, support, and increase profits. Profitability can be measured in several different ways, but in interrelated dimensions. First, there is a relationship between profit and sales so that there is a residual return for the company per rupiah of sales. Return on sales can be in the form of a net profit margin ratio. Liquidity is an indicator of the company's ability to pay all short-term financial obligations at maturity using available current assets. Liquidity is not only related to the overall financial condition of the company, but also relates to the ability to convert certain current assets into cash. This type of research is descriptive quantitative research, namely critical observation to obtain precise information on a particular problem and object in the area of a community group or certain location will be studied or described or described a situation as clearly as possible without any treatment of the object being studied. researched. In this study, the object of research is a state-owned company listed on the LQ45 index on the Indonesia Stock Exchange. and the location of this research is the Indonesia Stock Exchange by accessing its official website through the website www.idx.co.id. The outputs of this research are publications of reputable national journals, and reference books for ISBN certified research results with TKT level 3.

DESIGN OF CRYPTOCURRENCY INVESTMENT TRANSACTION MODEL AS AN EFFORT TO INCREASE STATE REVENUE THROUGH DIGITAL ASSET INSTRUMENT RATES AND TAXES IN INDONESIA Mohd. Heikal; Rico Nur Ilham; Muammar Khaddafi; Fuadi; Muhammad Multazam; Fauzi Pakpahan
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 3 No. 6 (2023): December
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v3i6.1305

This research will discuss the design of cryptocurrency transaction models as an effort to increase state income. The main factor that must be met in order to be legal in Indonesia is special regulations related to cryptocurrency. Developing special regulations related to cryptocurrency is actually an important step for the Indonesian state. For example, in developed countries such as the United States, Japan and Singapore, tax regulations related to cryptocurrency have been prepared. Especially at this time, technological developments, especially digital or virtual systems, are very rapid. So it can be predicted that various new virtual currencies that are similar or even more sophisticated and more complex than the ones that exist today will continue to emerge in the future. Determining the basis for tax levies for Cryptocurrency digital assets needs to be done based on the virtual currency units or also based on their value when converted to foreign currency such as rupiah or USD. Apart from that, it is also necessary to classify the type of tax that will be imposed on Cryptocurrency, whether it will be the object of income tax (PPh 21), profit income tax on exchange rate differences or income tax on capital gains (PPh article 4 paragraph 2) or VAT. This research actually started with attention to the many demands from Bitcoin users in Indonesia who wanted to have legal protection rights in the cryptocurrency transaction process, because in several other countries such as Singapore Bitcoin has become a legal financial investment option and is regulated and supervised by the government and the State Financial Authority. the. So the researcher intends to study in more depth how the Cryptocurrency transaction system can be supervised and controlled by the government, so that later a "Legal Cryptocurrency" Regulation can emerge with a "Digital Asset Transaction Tax" quotation system to be able to accommodate several interests of the Indonesian public and government.

THE IMPACT OF DIGITAL FINACIAL INCLUTION ON THE SUSTAINABLE FINANCE OF THE MSME SECTOR IN THE LHOKSEUMAWE CITY REGION WITH MODERATION OF THE BANKING SERVICE MODEL Muhammad Multazam; Rico Nur Ilham; Muttaqien; Ayu Anora; Teuku Muhammad Iqbal
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 4 No. 4 (2024): August
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v4i4.1883

This research determines how the Banking Model strengthens/weakens the impact of Perceived Usefulness, Perceived Financial Cost and Perceived Ease of Use on Sustainable Finance SMEs. This type of research is quantitative descriptive. The population is all MSMEs in Lhokseumawe City, totaling 2,354 MSMEs. This study uses the Taro Yamane formula with a precision level set at 10% with a total sample size of 96. The results reveal that Perceived Usefulness positively and insignificantly affects Sustainable Finance SMEs, Perceived Financial Cost positively and significantly affects Sustainable Finance SMEs, Perceived Ease of Use positively and significantly affects Sustainable Finance SMEs, Banking Model positively and insignificantly affects Sustainable Finance SMEs, Banking model can strengthen the influence of Perceived Usefulness on Sustainable Finance SMEs, Banking model can strengthen the effect of Perceived Financial Cost to Sustainable Finance SMEs, and Banking models can weaken the influence of Perceived Ease of Use on Sustainable Finance SMEs.

DIGITAL ASSET INVESTMENT POLEMIC IN INDONESIA FROM AN ISLAMIC PERSPECTIVE Rico Nur Ilham; Arliansyah; Reza Juanda; Irada Sinta; Muhammad Multazam; Frengki Putra Ramansyah
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 4 No. 4 (2024): August
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v4i4.1949

Cryptocurrency is one of the investment commodities that can generate returns and already has a permit to be traded in exchange trading through the Indonesian Commodity Futures Trading Supervisory Agency (BAPEPTI). Digital crypto assets traded in Indonesia are quite a lot through the Indodax trading company. The purpose of this study is focused on formulating a risk management process in investing in digital cryptocurrency assets. In addition, the results of this study will produce policy recommendations known as LCTR or "Legal Cryptocurrency and Tax Revenue" which are expected to be considered by the government in formulating policies on digital crypto assets so that the interests of all parties can be accommodated in order to realize maximum state revenue from trading digital crypto asset commodities. This type of research is quantitative descriptive with a research population of 10 cryptocurrency coins with the largest market caps in Indonesia, namely Cryptocurrency Bitcoin (BTC), Ethereum (ETH), Ripple (XRP), Bitcoin Cash (BCH), Litecoin (LTC) , Stellar, DASH, Dogecoin, Zcash, Monero in Indonesia. The type of data in this study is time series data taken from January 2017 to December 2020 by conducting a documentation study conducted on the publication of monthly cryptocurrency transaction reports, so that a target population of 480 (4 years x 12 months x 10 coins) monthly report data was obtained for the research sample. The data analysis method in this study uses multiple linear regression and data analysis using e-views statistical software version 10.

QUALITY OF PAYMENT SERVICE AND PUBLIC SATISFACTION OF USERS OF USED HOUSEHOLD GAS NETWORKS OF PT. ARUN TOWARDS THE APPLICATION OF MODEL THE TOTAL QUALITY MANAGEMENT (TQM) Azhari; Ismuhadi; Muhammad Multazam
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 4 No. 6 (2024)
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v4i6.2640

Society needs comfort, tranquility, convenience and satisfaction from all needs and to fulfill their household needs in their daily lives. The purpose of this study is to determine the Quality of Payment Services and Community Satisfaction of Household Gas Network Users (JGRT) of Former PT. Arun Regarding the Application of the Total Quality Management (TQM) Model. The research method used is quantitative with the Ordinary Least Square (OLS) model. The targeted output is to be able to publish in the International Journal of Educational Review, Law and Social Sciences (IJERLAS).

SIMULTANEOUS ELECTIONS AND ITS IMPLICATIONS ON BANKING PROFITABILITY: A STUDY IN THE ASEAN BIG FOUR CAPITAL MARKET Irada Sinta; Rico Nur Ilham; Reza Juanda; Muttaqien; Muhammad Multazam; Frengki Putra Ramansyah
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 4 No. 3 (2024): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v4i3.2128

Capital Adequacy Ratio (CAR) is a bank performance ratio used to measure the adequacy of capital owned by the bank in order to support assets that contain or generate risk. The greater the Capital Adequacy Ratio (CAR), the better the bank's ability to meet capital needs. The greater the capital owned by the bank, the bank is able to provide loans to customers in large amounts so that it has the opportunity to increase the company's profitability. Profitability assessment is a process to determine how well business activities are carried out to achieve strategic goals, eliminate waste and present timely information to carry out continuous improvement (1). This study aims to be one of the indicators of how an important event in a country, especially in the socio-political field, can affect the country's economic turnover and stock exchange. Especially for the big four ASEAN countries (Indonesia, Malaysia, Singapore and Thailand), the case of increasing stock prices in the banking sector is in the spotlight and it is necessary to conduct a scientific study on the correlation of General Election events in the big four ASEAN countries with the increase in their country's stock market. This type of research is associative research that aims to determine the relationship between two or more variables, namely examining the effect of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Operating Costs to Operating Income (BOPO) which are linked to the Profitability of banking sector companies during the general election period in the big four ASEAN countries. This study will use ratio analysis to determine the performance of a bank and its health. With the results of LDR does not have a positive and significant effect on the profitability of banking companies. CAR has a positive and significant effect on the Profitability of Banking Companies. BOPO has a negative and insignificant effect on the Profitability of Banking Companies.

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

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