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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 Journal of Education and Digital Learning (IJEDL) International Conference on Health Science, Green Economics, Educational Review and Technology (IHERT) Social Science Academic Indonesian Journal of Islamic and Social Science (IJISS) Journal of Economics, Management, Development, and Education
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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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; 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 CURRENT RATIO, DEBT TO ASSET RATIO AND TOTAL ASSET TURNOVER ON THE FINANCIAL PERFORMANCE OF BLUD AT CUT MEUTIA GENERAL HOSPITAL, NORTH ACEH DISTRICT Rahmiatul Aula; Venna Maulida Mustika; Muhammad Multazam
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 3 No. 1 (2023): DECEMBER
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18754517

Abstract

This study aims to see how much influence the Current Ratio, Debt to Asset Ratio, and Total Asset Turnover have on financial performance at Cut Meutia General Hospital, North Aceh Regency for the period 2016–2023. The data collection technique was carried out through documentation of the company's financial reports from 2016 to 2023, then further processed to calculate the financial ratios used as research samples. The statistical results also show that the Current Ratio (X1) has a t-value of 6.401 and a significance value of 0.003 <0.05, so it partially has a significant positive effect on financial performance. While the Debt to Asset Ratio (X2) has an F-value of -5.924 and a significance value of 0.004 <0.05, meaning that the Debt to Asset Ratio has a significant negative effect on financial performance. Total Asset Turnover (X3) has an F count value of 1.698 and a sig value of 0.54 > 0.05, meaning that Total Asset Turnover does not have a significant influence on financial performance. Simultaneously, Current Ratio (X1), Debt to Asset Ratio (X2), and Total Asset Turnover (X3) have an F count value of 15.310 with a significance value of 0.007 < 0.05, meaning they have a simultaneous influence on financial performance. This research is a quantitative research with an associative approach. Associative research aims to determine the relationship and influence between independent variables, namely Current Ratio (CR), Debt to Asset Ratio (DAR), and Total Asset Turnover (TATO), on the dependent variable, namely Financial Performance which is proxied by Return On Asset (ROA). Based on the financial report data of Cut Meutia General Hospital, North Aceh Regency for the period 2016–2023, the values of Current Ratio (CR), Debt to Asset Ratio (DAR), Total Asset Turnover (TATO), and Return on Asset (ROA) fluctuate annually. These changes indicate the dynamics in the condition of liquidity, solvency, activity, and profitability of the hospital during the study period. Current Ratio has a positive and significant effect on the financial performance of Cut Meutia General Hospital, North Aceh Regency, while Debt to Asset Ratio has a negative and significant effect on financial performance. Meanwhile, Total Asset Turnover does not have a significant effect partially. However, simultaneously, Current Ratio, Debt to Asset Ratio, and Total Asset Turnover have a significant effect on financial performance for the period 2016–2023.
TRAINING ON BUSINESS LICENSING THROUGH THE OSS APPLICATION AND MSME GOVERNANCE IN JAMBO MESJID VILLAGE, BLANG MANGAT DISTRICT LHOKSEUMAWE CITY Yusnidar; Muhammad Multazam; Ayu Anora; Raudhatinur; Teuku Afriliansyah
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 6 No. 1 (2026): March-June 2026
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18959033

Abstract

This study aims to enhance the understanding and capacity of Micro, Small, and Medium Enterprises (MSMEs) in Jambo Mesjid Village, Blang Mangat District, Lhokseumawe City, regarding business legality and governance through training on the Online Single Submission (OSS) application. Many MSMEs in the region still lack legal recognition due to limited knowledge, complex licensing procedures, and insufficient socialization from the government. The training was carried out through three main stages: initial socialization of the importance of legality and risk-based licensing regulations, introduction and practice of using the OSS application, and workshops on MSME governance including administration, production, digital marketing, and good governance principles. The results showed a significant improvement in participants’ knowledge, as indicated by an increase in OSS-related understanding from 25–30% in the pre-test to 80–85% in the post-test. Most participants successfully registered their businesses and obtained a Business Identification Number (NIB) during the training, marking their first step toward formal legality. Furthermore, participants gained skills in simple financial management, quality control, and digital marketing practices. The training also raised awareness of good governance as a foundation for sustainable MSME growth. These findings highlight the importance of legality and governance in increasing MSME competitiveness, expanding access to financing, and strengthening legal protection.
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.
Pendampingan dalam Membentuk Kesadaran Digital di SDIE Hidayatul Ummah Jauharotul Hanifa, Nabila; Multazam, Muhammad Yafi; Fathin, Na’imatul; Rizqi Mahfudi, Muhammad; Malikah, Nurul
Social Science Academic Vol. 2 No. 2 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ssa.v2i2.5501

Abstract

This research aims to determine assistance in forming digital awareness at the Hidayatul Ummah Magetan Islamic Elementary School. This is important to research because students need assistance in forming technological awareness. This research was carried out using a qualitative approach, data was collected by observation, interviews and documentation. Results show that student mentoring efforts play an important role in forming digital awareness, with a focus on understanding risks, responsible use of technology, and developing critical skills in facing digital challenges. Teachers also provide collaborative assistance with parents in successfully forming good digital awareness for children.
SMART RECOVERY ACEH MODEL: INTEGRATING EMERGENCY EDUCATION AND MSME EMPOWERMENT FOR COMMUNITY-BASED POST-DISASTER RECOVERY Intan Maulida; Lia Rista; Almunadiya; Raudhatinur; Rahmiatul Aula; Muhammad Multazam; Rifki
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 6 No. 1 (2026): March-June 2026
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The flood disaster that occurred in North Aceh on November 26, 2025, significantly disrupted the social and economic conditions of affected communities, particularly in Keude Geudong Village. This study aims to examine the effectiveness of a community-based post-disaster recovery model that integrates emergency education and micro, small, and medium enterprise (MSME) empowerment. A community-based participatory approach was employed, involving two main target groups: school-aged children and MSME actors. Data were collected through observations, interviews, and program documentation, and analyzed using descriptive quantitative and qualitative methods. The results show that the social intervention successfully restored access to education, achieving over 80% participation and improving children’s learning motivation and psychosocial well-being. In the economic sector, MSMEs experienced a 40–60% increase in production capacity and a 25–35% increase in income, supported by improved financial management and digital marketing adoption. The integration of appropriate technology and continuous mentoring further enhanced program effectiveness and sustainability. This study highlights that combining social and economic interventions within a community-based framework can generate synergistic impacts and strengthen post-disaster resilience. The proposed model offers a practical and replicable approach for sustainable recovery in disaster-affected communities.
Co-Authors AA Sudharmawan, AA Ainol Mardhiah Almunadiya Amru Usman Andi Nurlinda Arliansyah Arliansyah Arliansyah, Arliansyah Aulia, Muhammad Kahfi Ayu Anora Azhari Azhari Damas Satria EM Yusuf Iis Fadli Falahuddin Falahuddin, Falahuddin Fathin, Na’imatul Fauzi Pakpahan Frengki Putra Ramansyah Frengki Putra Ramansyah Fuadi Fuadi Fuadi Hamdiah Hamdiah Hamdiah Hanif Ikram Intan Maulida Irada Sinta Irda Agustina Ismed Wijaya Ismuhadi Ismuhadi Jauharotul Hanifa, Nabila Jumadiah Jumini Jumini Kayacilar, Cengiz Lala Merlita Lasta Irawan, Ari Lia Rista Likdanawati Lisa Humaira Maisyuri Marbawi, Marbawi Maulana Majied Sumatrani Saragih Mohd. Heikal Muammar Khaddafi Muktarullah, Millatina Mursidah Murtadha Muttaqien Muttaqien Muttaqien Muttaqien, Muttaqien Nadia Rizky Ramadhani Ningsih, Eka Utami Nura Usrina Nurul Malikah Rahmiatul Aula Ramansyah, Frengki Putra Raudhatinur Rauzi Ramazalena Reza Juanda Rico Nur Ilham Rifki Rizqi Mahfudi, Muhammad Rusydi Abubakar Saifanur, Andri Sari Yulis Terfiadi Sutan Febriansyah Sutan Febriasyah 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