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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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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): November
Publisher : 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).
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.
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.
Co-Authors AA Sudharmawan, AA Agustina, Irda Ainol Mardhiah Almunadiya Amru Usman Andi Nurlinda Arliansyah Arliansyah, Arliansyah Aulia, Muhammad Kahfi Ayu Anora Azhari EM Yusuf Iis Fadli Falahuddin, Falahuddin Fauzi Pakpahan Frengki Putra Ramansyah Fuadi Hamdiah Hamdiah Hamdiah Ikram Irada Sinta Ismed Wijaya Ismuhadi Juanda, Reza Jumadiah Jumini Jumini Kayacilar, Cengiz Lala Merlita Lasta Irawan, Ari Likdanawati Maisyuri Marbawi, Marbawi Mohd. Heikal Muammar Khaddafi Muktarullah, Millatina Mursidah 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 Muhammad Iqbal Utaminingsih, Eka Yusnidar Zulfa Salma Fatin Zuraida