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All Journal Information Management For Educators And Professionals (IMBI) 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 Journal of Education and Digital Learning (IJEDL) International Conference on Health Science, Green Economics, Educational Review and Technology (IHERT) Indonesian Journal of Islamic and Social Science (IJISS) Journal of Accounting Research, Utility Finance and Digital Assets (JARUDA)
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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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

Abstract

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.
UNDERSTANDING OF CONSUMER DEMAND AND THE ABILITY TO COMPETE IN THE CARIBBEAN (LATIN AMERICA). Rauzi Ramazalena; Frengki Putra Ramansyah; Muhammad Multazam; Rico Nur Ilham; Irada Sinta
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 4 No. 4 (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.v4i4.2461

Abstract

The Latin American region is a region that has Abundant natural resources Owned natural resources can strengthen the potential Economy, especially in terms of increasing cooperation with Indonesia which can be pursued through incentive and well-planned economic diplomacy.
EFFORTS TO INCREASE FAMILY INCOME INDEPENDENTLY THROUGH HOME AGRICULTURAL ECONOMY: CONTRIBUTION OF PINE TAPPING (PINUS MERKUSII) Irada Sinta; Fadli; Rico Nur Ilham; Muhammad Multazam
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 5 (2025): 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.v5i5.3336

Abstract

Pine resin (Pinus merkusii) is one of the non-timber forest products (NTFPs) that plays an important role in increasing the income of rural communities. This study aims to analyze the level of income and contribution of pine resin tapping to family income in Cane Toa Village, Rikit Gaib District, Gayo Lues Regency. The method used was a census of 55 pine resin tapper respondents. Data were analyzed quantitatively using the contribution formula and household income analysis. The results showed that the average income from pine resin tapping was IDR 3,319,818.4 per production, while income from other sectors reached IDR 4,156,370.85. The total average income of tapper families was IDR 7,476,189.31 per production. The contribution of pine resin tapping to total family income was recorded at 44.4%, included in the "good" category according to the classification of Kepmendagri No. 690,900,327 in 1996. These results confirm that pine resin tapping plays a significant role in supporting the household economy in the region, although technical assistance is still needed so that tapping practices are more sustainable and efficient.
OPTIMIZING THE ROLE OF INTERNAL AUDIT AND ACCOUNTING LITERACY TO PROMOTE FINANCIAL ACCOUNTABILITY OF WOMEN'S MSMES: A CASE STUDY IN ACEH PROVINCE Arliansyah; Wahyuddin; Falahuddin; Hanif; Fuadi; Muhammad Multazam
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 4 (2025): 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.v5i4.4410

Abstract

This study aims to analyze the strategic role of internal audit and accounting literacy in improving financial accountability among women-owned Micro, Small, and Medium Enterprises (MSMEs) in Aceh Province, Indonesia. Financial accountability is viewed as the ability of MSMEs to present transparent, accurate, and reliable financial information to stakeholders such as investors, financial institutions, and partners. The study employs a mixed-methods approach, combining quantitative analysis with qualitative interviews and observations. The sample consists of 75 women entrepreneurs selected through purposive sampling. Data were collected using structured questionnaires, in-depth interviews with key institutions (Cooperatives and MSME Office, BPKP, OJK, and local NGOs), and field observations. Quantitative results indicate that both internal audit and accounting literacy have significant positive effects on financial accountability. The regression analysis shows that accounting literacy (β = 0.736, Sig. = 0.001) contributes more strongly to financial accountability than internal audit (β = 0.085, Sig. = 0.005). Simultaneous testing (F = 11.630 > F-table = 2.712) confirms that these two factors jointly affect financial accountability. The coefficient of determination (R² = 0.297) implies that 29.7% of the variance in financial accountability is explained by both variables. Qualitative findings reinforce that regular bookkeeping, simple internal control practices, and contextual financial education significantly enhance transparency and accountability. The study concludes that the synergy between internal audit and accounting literacy forms a crucial foundation for transparent and accountable financial governance in women's MSMEs. Policy implications suggest that local governments, financial regulators, and NGOs should collaborate to develop gender-sensitive financial literacy programs and simplified internal audit models that are adaptable to small-scale enterprises.
A COMPARATIVE STUDY OF DIGITAL CRYPTOCURRENCY INVESTMENTS BASED ON CURRENCY LAWS AND GLOBAL ECONOMIC REGULATIONS: A CASE STUDY OF THE BIG FOUR ASEAN COUNTRIES Rico Nur Ilham; Irada Sinta; Fuadi; Arliansyah; Reza Juanda; Muhammad Multazam
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 4 (2025): 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.v5i4.4411

Abstract

The rapid advancement of financial technology has introduced cryptocurrency as a revolutionary innovation in the global digital economy. Despite its growing popularity as an investment instrument, the legal and economic frameworks governing cryptocurrency remain fragmented, particularly within the ASEAN region. This research aims to analyze the influence of currency law clarity and global economic regulation on cryptocurrency investment, with investor trust serving as a mediating variable, in the context of the Big Four ASEAN countriesIndonesia, Malaysia, Singapore, and Thailand. This study employs a normative juridical and descriptive quantitative approach. Data were collected through documentation, expert interviews, and focus group discussions (FGD) involving financial institutions such as OJK, Bank Indonesia, BEI, Phintraco Sekuritas, and the Directorate General of Taxes. Quantitative testing was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 3.0 to assess the relationships among variables. The findings indicate that both currency law clarity and global economic regulation have a significant and positive effect on cryptocurrency investment, while investor trust plays only a limited mediating role. The strongest relationship is observed in Singapore, where the Payment Services Act (2019) provides comprehensive regulatory certainty and attracts institutional investors. In contrast, Indonesia’s fragmented regulatory stance recognizing crypto as a tradable commodity but not a legal tender creates uncertainty that weakens investor confidence. The study proposes the formulation of a “Triangle Policy Framework” integrating legal, economic, and fiscal regulation, and introduces the LCTR (Legal Cryptocurrency and Tax Revenue) model to optimize digital asset governance and fiscal transparency. This integrated model is expected to strengthen investor protection, enhance legal certainty, and support sustainable digital economic growth in the ASEAN region.
THE EFFECT OF HEALTH AND OHS PROGRAMS ON EMPLOYEE LOYALTY AT PT. PHE NSO Anora, Ayu; Multazam, Muhammad
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 5 No. 4 (2026)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v5i4.4575

Abstract

This study aims to analyze the effect of occupational health and safety programs on employee loyalty at PT. PHE NSO. The background of this study is based on the importance of creating a safe and healthy work environment to build employee engagement and long-term loyalty to the company. This study uses a quantitative approach with multiple linear regression methods. The number of respondents was 71 people from the company's operational division. The results of the analysis show that partially, the occupational health program has a positive and significant effect on employee loyalty with a t-value = 4.717 and a significance of 0.000 (<0.05). Conversely, the occupational safety program does not have a significant effect on employee loyalty, with a t-value = -1.091 and a significance of 0.279 (>0.05). Simultaneously, both independent variables have a significant effect on employee loyalty, evidenced by the F-value = 7.932 and a significance of 0.000 (<0.05). However, the coefficient of determination (R Square) was only 0.047, meaning that the two variables were only able to explain 4.7% of the variation in employee loyalty, while the rest was influenced by other factors outside the model. Thus, companies are advised to strengthen the implementation of occupational health programs and evaluate the effectiveness of occupational safety programs to have a greater impact on increasing employee loyalty.
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

Abstract

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).
CAREER DEVELOPMENT AND WORK DISCIPLINE ON EMPLOYEE PERFORMANCE Ismuhadi; Muhammad Multazam; Ayu Anora; Yusnidar; Rico Nur Ilham; Nadia Rizky Ramadhani
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 5 No. 4 (2025)
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v5i4.3302

Abstract

This study aims to analyze the influence of career development and work discipline on employee performance at the Office of Education and Culture of North Aceh Regency. Using a quantitative approach, this study involved all employees as samples (n=138). Data were collected through questionnaires and analyzed using multiple linear regression. The results of the study indicate that career development and work discipline simultaneously and partially have a significant effect on employee performance. Work discipline has a more dominant influence than career development. The implication of this study is the importance for management to improve career development and work discipline programs in order to improve employee performance.
THE EFFECT OF COMMUNICATION AND JOB PROMOTION ON EMPLOYEE PERFORMANCE OF PT. BANK SYARIAH INDONESIA, TBK KCP LHOKSEUMAWE MERDEKA SIMPANG EMPAT CITY OF LHOKSEUMAWE Yusnidar; Muhammad Multazam; Ismuhadi; Ayu Anora; Irda Agustina
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 5 No. 4 (2025)
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v5i4.3473

Abstract

Human resources must have tangible assets when dealing with business, so employees are encouraged to contribute to the business every day because the business succeeds or fails. Every worker has the opportunity to gradually increase the number of hours they work by being blessed with their personal skills. This study aims to determine how communication and job promotion affect the performance of employees of PT. Bank Syariah Indonesia, Tbk KCP Lhokseumawe Merdeka Simpang Empat Lhokseumawe City. This study uses quantitative information. The results of the study showed that the R^2 value was 0.956, and other variables influenced most of the data. The significant value of t_count of Communication (X1) was 3.717 and the significant value of t_count of Job Promotion (X2) was 5.773 with a ttable value of 1.699 having a positive and significant effect on the performance of employees of PT. Bank Syariah Indonesia, Tbk KCP Lhokseumawe Merdeka Simpang Empat Lhokseumawe City. In this case, communication must be maintained, because communication is a good relationship in increasing trust in carrying out performance. For job promotions, at least the organization must think about the level of comfort in carrying out performance in continuing something deeper in placing the job position.
Analysis of the Implementation of P5 with Learning Technologies in High Schools: A Case Study Approach Muhammad Multazam
International Journal of Education and Digital Learning (IJEDL) Vol. 2 No. 1 (2023)
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijedl.v2i1.263

Abstract

This paper investigates the implementation of P5 (Project-Based Learning) in conjunction with learning technologies in high schools. P5 offers an innovative approach to integrating technology with traditional learning methodologies, promoting student engagement and enhancing problem-solving skills. By analyzing current practices within various high schools, this study explores the benefits, challenges, and outcomes associated with the integration of technology in P5 projects. The study employs a mixed-methods approach, combining quantitative surveys with qualitative interviews from students and teachers. Findings reveal that while P5 facilitates active learning and critical thinking, challenges such as resource limitations, teacher readiness, and technological infrastructure remain significant barriers. The paper concludes by proposing strategies for effective implementation and scaling of P5 in diverse educational contexts.
Co-Authors AA Sudharmawan, AA Afriliansyah, Teuku Ainol Mardhiah Almunadiya Almunadiya Amru Usman Andi Nurlinda Arliansyah Arliansyah Arliansyah, Arliansyah Arwidiyarti, Dwinita Aulia, Muhammad Kahfi Ayu Anora Azhari Damas Satria EM Yusuf Iis Fadli Falahuddin Falahuddin Falahuddin Fauzi Pakpahan Frengki Putra Ramansyah Fuadi Fuadi Fuadi Hamdiah Hamdiah Hamdiah Hanif Ikram Intan Maulida Irada Sinta Irda Agustina Ismuhadi Ismuhadi Jumadiah Jumini Jumini Kayacilar, Cengiz Lala Merlita Lasta Irawan, Ari Lia Rista Likdanawati Lisa Humaira maisyuri Marbawi, Marbawi Mohd. Heikal Mohd. Heikal Muammar Khaddafi Muktarullah, Millatina Mursidah Murtadha Muttaqien Muttaqien Muttaqien Muttaqien Nadia Rizky Ramadhani Ningsih, Eka Utami Nura Usrina Rahmiatul Aula Raudhatinur Rauzi Ramazalena Reza Juanda Rico Nur Ilham Rifki Rusydi Abubakar Saifanur, Andri Sari Yulis Terfiadi Sutan Febriansyah Sutriani Sutriani Syahputri, Lidia T. Edyansyah, T. Edyansyah Tarmizi Abbas Teuku Muhammad Iqbal Utaminingsih, Eka Venna Maulida Mustika Wahyuddin Wardhiah, Wardhiah Yusnidar Zuraida