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Multifinance
Published by PT Altin Riset Publishing
ISSN : -     EISSN : 30248175     DOI : https://doi.org/10.61397/mfc.v1i2
Core Subject : Economy,
Economics, Econometrics & Finance
The Journal of Multifinance: Journal of Economics, Management and Banking is a journal that serves as a medium for studying various phenomena or issues as well as research findings related to Economics, Management, and Business in a broad sense. The journal aims to provide a platform for sharing research results and scientific thoughts related to key issues in this field. The journal covers, but is not limited to, the following fields of study: Public Investment Public Procurement Islamic Economics/Shariah Economics Islamic Investment Behavioral Investment Taxation Capital Markets and Investment Management for Banking and Insurance Management for SMEs Information Management Systems Investment and Governance of Information Technology Macroeconomics Microeconomics Regional Economy Public Sector Management Banking Format and Research Methods The journal accepts research and scientific writing using quantitative, qualitative, or a combination of both methods. Literature reviews, case studies, and papers that combine theory and practice in the mentioned fields are also welcomed. Journal Objectives The objectives of this journal are to encourage high-quality research and scientific thinking in the fields of Economics, Management, and Business, as well as to facilitate the exchange of ideas and research findings among academics, researchers, and practitioners. The journal also aims to strengthen the academic and practical contributions and influence in the studied field. Target Readership The journal is intended for academics, researchers, practitioners, and students who are interested and engaged in the fields of Public Investment, Public Procurement, Islamic Economics/Shariah Economics, Islamic Investment, Behavioral Investment, Taxation, Capital Markets and Investment, Management for Banking and Insurance, Management for SMEs, Information Management Systems, Investment and Governance of Information Technology, Macroeconomics, Microeconomics, Regional Economy, and the Public Sector. Review Process The journal follows a rigorous review process for each submitted article. At least two unbiased and professional reviewers in the respective field will review each article. The final decision to accept or reject an article will be made by the journal editor based on the recommendations of the reviewers
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 12 Documents
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Search results for , issue "Vol. 1 No. 3 (2024): Multifinance" : 12 Documents clear
THE IMPACT OF BRAND IMAGE ON BOOSTING SALES OF "MS GLOW" SKINCARE IN PAMEKASAN Dwiaryanti, Risca; Fahroni, Amilia
Multifinance Vol. 1 No. 3 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v1i3.84

Abstract

Academic pursuit the objective of the study is to examine the impact of brand image on sales growth and quantify the extent to which a strong brand image affects sales growth. Learn This aligns with the quantitative-descriptive approach. Target population This data consists of resellers and samples of MS GLOW Pamekasan obtained from a substantial population of 25 respondents using a specific sampling quota. Exploring advanced data collection techniques to enhance analysis This questionnaire employs testing data analysis techniques such as validity, reliability, and regression tests. Data processing approaches utilize the SPSS software tool, namely version 16.0. The research findings indicate that brand image has a significant impact on increasing sales. The t-test findings indicate that the coefficient correlation is 6.484, with a t count of 6.484 and a t table value of 1.714. The significance level is 0.000, which is less than 0.05. This provides evidence to reject the null hypothesis (Ho) and accept the alternative hypothesis (Ha). The coefficient of determination (R2) indicates that the R square value is 0.646, which is statistically significant. This means that brand image (image brand) has a significant impact on sales, accounting for 64.6% of the variation. Other variables not included in the research model account for the remaining 35.4%. This. The estimated r value of 0.646 indicates a significant correlation, falling within the range of 0.60-0.799 according to table interpretation.
CLASS 1 COMMUNITY INSTITUTIONS BANDAR LAMPUNG ARE USING THE DEVELOPMENT OF INDEPENDENCE TO GROW ENTREPRENEURIAL SKILLS Saragih, Alexandro Junior; Muhammad, Ali
Multifinance Vol. 1 No. 3 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v1i3.85

Abstract

This research aims to analyze the implementation coaching independence for prisoners to grow their ability to entrepreneurship in correctional Class 1 Bandar Lampung. The research methods used are qualitative and were implemented for one month in July and September. During the study results obtained, implementation coaching independence in Correctional Institutions Class I Bandar Lampung for establishing ability entrepreneurship is still not adequate. This is influenced by factors inhibitory, namely: limitations in budget, lack of means and feelings, lack of expertise in his field, as well as a feeling of laziness that influences the inhabitant. Therefore, it's expected that Prison Class I Bandar Lampung increases the program for more independence, which is effective for citizens and builds more spirit in the follow-activity entrepreneurship carried out by prisons in Class I Bandar Lampung.
SHARIA CREDIT RISKS: WOMEN'S ROLE IN REDUCING POVERTY Lesmana, Ceta Indra
Multifinance Vol. 1 No. 3 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v1i3.111

Abstract

Alleviation poverty, especially among women, is a serious challenge in Indonesia. Finance microsharia emerged as a potential solution. For empowerment, women should approach sharia credit. This article discusses necessary risks noticed, like credit traffic jams, fraud, and risk reputation, in development finance microsharia. Management good risk has become a key continuity business. Apart from that, the importance of education and literacy finance, supporting the government, and partnerships with various parties in increasing the contribution of women to overcome poverty through Sharia credit is highlighted. Utilisation of the potential for zakat, waqf, and Islamic values is also a crucial aspect. Inclusionary and sustainable microfinance models are expected to positively impact women's economic empowerment. With a holistic, inclusive, and sustainable approach, it is hoped that women can play a significant role in alleviating poverty and positively impacting various layers of society in Indonesia.
FINANCIAL TECHNOLOGY INNOVATION AND BANKING INDUSTRY TRANSFORMATION: A LITERATURE STUDY ON FINANCIAL MARKETS Bakri, Asri Ady; Hasanah, Niswatun; Lasmiatun , KMT
Multifinance Vol. 1 No. 3 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v1i3.112

Abstract

This research aims to innovate in technology, finance, and transformation in the banking industry. The research method used in this research is qualitative. Qualitative research is a research method used to understand social phenomena in depth. This type of research is library research, which researchers carry out by collecting, studying, and analyzing references or sources. obtained in writing or written form, such as books, journals, articles, documents, and other sources of information that are significant to the topic or title being researched. The research results show that the impact of development technology on industry banking in Indonesia is positive, namely: Improvement Efficiency and Productivity: Adoption technology has brought significant enhancements to efficiency bank operations, with automation of processes and usage intelligence artificial to reduce costs and improve productivity. Enhancement Experience Customer: Innovation technology has allowed banks to increase customer experience through applications in digital banking, customer chatbot-based services, and self-service platforms. Enhancement Security and Management Risk: Although there are worries related to data security, development technology has the potential to repair significant system security and management risks. With the use of data encryption and analysis behavior, users can identify and respond to threats to security more quickly. Innovation Products and Services: Technology has pushed the development of new products and services in the banking industry, including robo-advisors, peer-to-peer lending platforms, and applications for mobile payments, which deliver a markup for customers and help banks expand their market share. Enhancement Efficiency and Transparency Management: System Management Integrated information and analytical dashboards have increased efficiency and transparency in bank management.
ANALYSIS OF PUBLIC SECTOR INVOLVEMENT IN LOCAL ECONOMIC EMPOWERMENT AS IMPLEMENTATION OF MICRO AND SMALL ENTERPRISE DEVELOPMENT POLICIES Golam, Mohamad Yusuf; Akhtari, Mitra; Lasmiatun , KMT
Multifinance Vol. 1 No. 3 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v1i3.113

Abstract

The purpose of this study is to examine the public sector's involvement in local empowerment economies as well as the implementation of policies for micro and small businesses. The research method used is qualitative research. Qualitative research is a research method used to understand social phenomena in depth. This type of research is literature study research, which researchers carry out by collecting, studying, and analyzing references or sources obtained in written or written form, such as books, journals, articles, documents, and other sources of information that are significant to the topic or title being researched. The study's findings show that empowering the local economy, particularly through support for micro and small businesses (UMK), plays a critical role in increasing economic growth and sustainable development in Indonesia. MSEs don't only become a bone-back economy locally by creating fieldwork and contributing to domestic income, but they also strengthen the resilience economy area to change the global economy. Apart from that, MSEs also play a role in strengthening identity culture and the local sustainability environment with produce-rooted goods and services in inheritance culture and local traditions. Empowering the local economy through support for MSEs involves not only increasing access to sources of power but also empowering the public to play a role in their development.
CHALLENGES IN CARE OF CHILDREN IN CORRUPTION CASES: ECONOMIC, SOCIAL AND CULTURAL ASPECTS Junida, Dwi Surti; Mutmainnah, Inayatul
Multifinance Vol. 1 No. 3 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v1i3.114

Abstract

Studies regarding the care of prisoners' children always involve the psychological problems that arise. So far, the existing findings do not examine the socio-economic perspective in the practice of caring for the children of prisoners. This research is important to do to find out how the family is able to organize itself. For support parenting children, what about stigma and discrimination to family prisoner influence methods they educate children their relationships with neighbors and community around impact on his upbringing and what his condition is like social economy influence parenting child prisoner? This research uses qualitative methods with in-depth interviews and participant observation, using case studies on families of corruption case inmates at Class 1 Correctional Institutions (Lapas) in Makassar City. Using an ethnographic approach with case studies through descriptive analysis of social structure, family structure, social support, and the impact of socio-economic conditions of prisoners on child care in terms of finances, education, employment, and economic support, which influence the ability of prisoner parents to provide adequate attention and care, worthy of their children. Researchers found that socioeconomic conditions play an important role in the upbringing of prisoners' children. Challenges in access to education and health services, economic limitations in providing care, and the impact of social stigma are important aspects that need to be considered in helping prisoners' families provide quality care for their children. By understanding the impact of these social and economic factors, it is hoped that this research can provide deeper insight and support in designing appropriate interventions to improve the quality of care for prisoners' children in families with limited socio-economic conditions.
IMPLEMENTATION OF ECONOMIC OPENNESS AND ITS IMPACT ON HUMAN RESOURCE GROWTH Havidotinnisa, Siti; Lubis, Fatimah Malini; Lasmiatun , KMT; Olubitan, Joseph Oluremi
Multifinance Vol. 1 No. 3 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v1i3.115

Abstract

This research aims for implementation openness economy and its impact to growth source Power man . The research method used is qualitative research, qualitative research is a research method used to understand social phenomena in depth. This type of research is literature study research which researchers carry out by collecting, studying and analyzing references or sources obtained by written or written form such as books, journals, articles, documents and other sources of information that are significant to the topic/title being researched. The research results show that openness economy can give encouragement significant to growth source Power man through enhancement access to education , skills , innovation and health . In context this , role policy is very important For ensure that benefit from openness economy can utilized in a way equitable and sustainable for all public . Supportive policies​ investment in education, skills, health, as well strengthening policies​ protection social and reducing inequality economy can help create conducive environment​ for growth source Power inclusive and sustainable humanity.​
PORTFOLIO DIVERSIFICATION STRATEGY AND ITS INFLUENCE ON INVESTMENT RISK AND RETURN IN THE CAPITAL MARKET Munizu, Musran; Mulyati, Sri; Zikirullaeva, Nilufar
Multifinance Vol. 1 No. 3 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v1i3.117

Abstract

The objective of this study is to examine the impact of diversification methods on the risk and return of investments in the capital market. The employed research methodology is qualitative research, which is a strategy utilized to gain a comprehensive understanding of social phenomena. This research methodology involves conducting a comprehensive examination and analysis of relevant written sources, such as books, journals, articles, and documents, to gather information pertaining to the specific topic or title under investigation. The research findings indicate that the diversity strategy portfolio plays a key role in risk management and has an impact on investment returns in the capital market. The diversity of the portfolio is successful in reducing risk, particularly through the distribution of funds across different assets and sectors. This subject is substantiated by empirical evidence and case studies, which demonstrate that a diversified portfolio has the capability to safeguard investments from substantial swings in the market. In the face of capital market unpredictability, diversifying a portfolio is a method that cannot be avoided. By gaining a profound comprehension of risk variables, market dangers, and the economic and political influences on the market, investors can create an ideal portfolio that aligns with their investing objectives. This approach ensures more consistency and measurability over the long term.
ANALYSIS OF THE INFLUENCE OF UNEMPLOYMENT VARIABLES ON ECONOMIC GROWTH IN CENTRAL KALIMANTAN USING THE ERROR CORRECTION MODEL (ECM) APPROACH Harati, Rima
Multifinance Vol. 1 No. 3 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v1i3.136

Abstract

The objective of this study is to examine the impact of unemployment variables on Gross Regional Domestic Product (GRDP) by employing the Error Correction Model methodology. This research is conducted in Central Kalimantan from 2012 to 2023. According to the cointegration testing findings using the ECM approach, the probability of the unemployment variable is 0.3788, which is greater than the significance level of 0.05. There is a lack of cointegration or long-term balance relationship between the variables, which means that testing cannot be conducted over an extended period of time. The ECM test findings indicate that there is no significant short-term impact of the unemployment variable on GRDP in Central Kalimantan. This is supported by the probability value of the unemployment variable, which is 0.2660, above the threshold of 0.05. According to the classical assumption test, there are no signs of autocorrelation in the research model. Additionally, the Jarque Berra probability value of 0.764092 is greater than 0.05, indicating that there are no signs of heteroscedasticity. Therefore, the research model can be considered normally distributed.
THE ROLE OF STORE LOCATION AND STORE ATMOSPHERE ON CUSTOMER LOYALTY Azis, Abdul; Hermina, Nurul
Multifinance Vol. 1 No. 3 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v1i3.211

Abstract

The coffee shop business in Indonesia has become a trend in recent years. Osiris Coffee is a business unit that provides customers with services and products. Over the last six months, Osiris Coffee has experienced a decline in the number of customers, which is believed to be due to the coffee shop's less strategic location and atmospheric store, which cannot compete with other coffee shops. This research aims to determine the effect of location and store atmosphere on customer loyalty at Osiris Coffee. It is quantitative and uses an Osiris Coffee customer analysis unit. Data was collected by distributing questionnaires to 84 customers. The results of hypothesis testing state that store location has a partial effect on customer loyalty, and store atmosphere has a partial effect on customer loyalty. Apart from that, store location and store atmosphere simultaneously positively and significantly affect customer loyalty. The results of hypothesis testing in this research have a positive effect both partially and simultaneously.

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