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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 13 Documents
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Search results for , issue "Vol. 2 No. 1 (2024): Multifinance" : 13 Documents clear
THE INFLUENCE OF FINANCIAL LITERACY AND FINANCIAL INCLUSION ON COMPANY PERFORMANCE : CASE STUDY OF SMES IN KLAMBIR LIMA Pramono, Cahyo; Wardani, Neng Sri; Syahputri, Chairunnisa
Multifinance Vol. 2 No. 1 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v2i1.104

Abstract

This study aims to analyze the influence of financial literacy and financial inclusion on the performance of Small and Medium Enterprises (SMEs) in Klambir Lima. This research employs a quantitative approach using a survey method involving 100 SMEs as the sample. Primary data were collected through questionnaires covering aspects of financial literacy, financial inclusion, and company performance, while secondary data were obtained from SME financial reports and other official documents. Descriptive analysis results indicate that the level of financial literacy among SME owners and managers is moderate, with an average score of 3.4 on a Likert scale of 5 points. Financial inclusion is also at a moderate level with an average score of 3.6. Multiple linear regression analysis shows that financial literacy (β = 0.45, p < 0.05) and financial inclusion (β = 0.35, p < 0.05) have a significant impact on company performance, with the resulting regression model having an R-squared of 0.56. This study concludes that financial literacy and financial inclusion significantly affect the performance of SMEs in Klambir Lima. SME owners and managers who have a good understanding of finance and access to formal financial services can make better financial decisions, manage risks more effectively, and improve company performance. This study suggests the need for comprehensive financial education programs and policies that support financial inclusion to help SMEs optimize their potential and achieve greater success.
ANALYSIS OF THE IMPROVEMENT OF REWARD AND PUNISHMENT POLICIES ON EMPLOYEE WORK DISCIPLINE AT THE STATE CIVIL SERVICE AGENCY IN MEDAN Arifin, Daud; Ardian, Noni; Triana, Hesti
Multifinance Vol. 2 No. 1 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v2i1.105

Abstract

This study aims to analyze the impact of reward and punishment policies on employee work discipline at the State Civil Service Agency (BKN) Medan. This research uses a quantitative approach with a descriptive correlational survey method. The research population consists of all employees at BKN Medan, with a sample of 150 employees selected through purposive sampling. Data were collected using a Likert-scale questionnaire and analyzed using multiple regression analysis. Validity and reliability tests were conducted to ensure that the instruments used were valid and reliable. The results show that reward policies have a significant positive effect on employee work discipline (β = 0.45, p < 0.01), meaning that the better the reward policies implemented, the higher the level of employee work discipline. Punishment policies also have a significant positive effect on employee work discipline (β = 0.35, p < 0.01), indicating that the implementation of firm and fair punishments can improve work discipline. The interaction between reward and punishment policies is not significant (β = 0.10, p > 0.05), suggesting that the combined effect of these policies is not significantly different from the effect of each policy individually. These findings support the motivation and reinforcement theory, which states that positive rewards and negative consequences can influence individual behavior. The practical implications of this research are the importance of designing fair and relevant reward policies and consistently applying punishments to enhance employee work discipline. This study also recommends further research with a qualitative approach and broader scope to deepen the understanding of factors affecting work discipline.
THE ROLE OF HRIS (HUMAN RESOURCES INFORMATION SYSTEM) TECHNOLOGY IMPLEMENTATION IN MANAGING HUMAN RESOURCES IN PT. PEGADAIAN MEDAN Setiawan, Nashrudin; Wakhyuni, Emi; Azianda, M. Sultan
Multifinance Vol. 2 No. 1 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v2i1.106

Abstract

This study aims to find how the influence of compensation, discipline, and HRIS Development on HR Management at PT Pegadaian Medan Branch, the research method used is quantitative with a Multiple Regression Analysis approach. The number of samples taken was 52 respondents calculated using the Slovin formula. The problem to be studied is to find the right model of application of Compensation, Discipline, and development of HRIS applications that will affect HR management in general and specifically increase the business productivity of Medan branch pawnshop employees to provide the best, both for internal companies and in the wider community to help the process of pawning goods or gold. The results of this study indicate that a) The results obtained from research conducted on HRIS variables (X1), namely there is an influence between HRIS on HR Management at PT Pegadaian Medan Petisah. This means that one of the factors of HR management is influenced by the use of HRIS by employees. Employees who can operate IT properly will get optimal performance results, b) The results obtained from the Work Discipline variable influence HR Management. Where the greater the discipline received by employees both internal and external, the greater the management of HR at PT. Pegadaian, c) The results obtained prove that compensation influences HR Management. This means that the amount of compensation obtained for their work provides enthusiasm that gives birth to maximum HR management.
ISLAMIC ENTREPRENEURSHIP IDENTITY IN THE INDONESIAN HIJRAH COMMUNITY Kunaifi, Aang; Djamaluddin, Burhan; Fauzia, Ika Yunia; Ritonga, Iskandar; Nurhayati, Nurhayati; Syam, Nur; Widiastuti, Tika; Ahsan, Muhamad
Multifinance Vol. 2 No. 1 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v2i1.140

Abstract

This research aims to describe how Islamic entrepreneurship is implemented in the Hijrah community as a model that represents the identity of each community. The research was conducted using qualitative methods with a case study strategy. Data collection was carried out using observation, interviews, and documentation techniques. The research subjects were the Indonesian Muslim Entrepreneurs Community (KPMI), the Muslim Entrepreneurs Alliance (Assalim), and the Indonesian Business Islamic Boarding School (PBI). Data was collected from field observations and participant observations. There were 22 informants interviewed in-depth, three of whom were experts. Informants came from several regions, including Java, Sumatra, Bali, NTB, Sulawesi, and Kalimantan. The resulting documentation is in the form of brochures, photos of community activities, and digital information on websites, Facebook, Instagram, and WhatsApp groups. Data analysis was carried out by deducing theoretical propositions regarding the implementation of Islamic entrepreneurship in the hijrah community and developing them inductively to describe new findings and propositions. Based on the research results, it was found that the hijrah community implemented Islamic entrepreneurship in various identities, namely salaf-preneurship in the KPMI community, ideo-preneurship in the Assalim community, and spiritual-preneurship in the PBI community. The implication of this research is the development of Islamic entrepreneurship theory, which can be implemented widely by society.
TOWARDS PROSPEROUS HOUSING: CONSTRUCTION of An ISLAMIC HOUSING CONCEPT WITH A HAYATAN THAYYIBAH PERSPECTIVE Santoso, Budiyono; Ahmad Jalaluddin; Aunur Rofiq
Multifinance Vol. 2 No. 1 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v2i1.158

Abstract

Welfare studies are still dominated by materialistic aspects of welfare theory and deny spiritual aspects and spiritual elements. Even though the spiritual aspect is an important thing that influences human life in all aspects. This research aims to explore and develop a concept/model of welfare in housing which was developed based on the Islamic welfare perspective Hayatan Tayyibah. The concept of living well-being Thayyibah is explored using a phenomenological approach, which is a form of design methodology developed based on the Islamic paradigm. Data mining uses interview, observation, and documentation methods. The informants consisted of knowledgeable and experienced informants Data analysis was carried out by describing textural meaning and structural meaning, then carrying out a synthesis to create a universal description of the phenomenon under study. The research findings conclude that the construction of welfare in Islamic housing is referred to as "prime prosperity". This welfare consists of three main aspects: personal, social environment, and housing development companies. The personal aspect highlights the individual's physical and mental conditions, including physical and spiritual dimensions. The social environment is related to comfort, health, and social relationships in housing, while the housing developer aspect emphasizes the business conditions and environment of the developer company. In other words, this research not only assesses welfare from an individual perspective but also considers social and corporate aspects of welfare construction Islamic housing context.
ELECTRICAL INSTALLATION AND POWER SAVING HOUSEHOLD Mufid, Zainul; Musafa, Musafa
Multifinance Vol. 2 No. 1 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v2i1.170

Abstract

This research aims to analyze compliance with the implementation of POJK 51 of 2017 This study aims to analyze the practices of electrical installation and energy-saving strategies in households. The research method used is a literature review involving the analysis of various literature sources and related research. The study found that improper electrical installation practices can increase the risk of fire and electrical disturbances. The use of energy-efficient labeled electrical appliances and smart home technology has been proven effective in reducing energy consumption in households. Factors such as public awareness of the importance of energy efficiency and the availability of information on energy-saving technologies also influence consumer behavior in choosing electrical appliances and managing energy use in households. Understanding these findings is expected to produce useful recommendations for researchers and practitioners in efforts to improve energy efficiency and electrical installation safety in households.
THE ROLE OF TRAVEL VLOGGERS IN INCREASING THE POPULARITY OF CREATIVE TOURISM DESTINATIONS: A PHENOMENOLOGICAL STUDY Musafa, Musafa
Multifinance Vol. 2 No. 1 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v2i1.175

Abstract

Travel Vloggers, as professionals in the tourism industry, utilize social media to share their experiences in various tourist destinations. Their content aims to promote the beauty of tourist attractions and educate the audience about the experience. However, building a strong presence on social media is not easy. Travel Vloggers need recognition from the audience to achieve their goals. This research uses a qualitative phenomenological approach to examine how Travel Vloggers build their existence on social media and how they contribute to increasing the popularity of creative tourism destinations. The results show that there are similarities between Travel Vlogger content and blog maker content. In addition, national awards are a form of recognition for Travel Vloggers as their professional identity.
ASSESSMENT OF CRITICAL SUCCESS FACTORS FOR EFFECTIVE SUPPLIERS’ SELECTION: ASSESSING THE DIMENSION, THEORY AND EFFECT OF ETHICS CULTURE TOWARDS SUPPLIER PERFORMANCE Amuzat, Olawale; ENO, Ndifreke Akaninyene
Multifinance Vol. 2 No. 1 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v2i1.184

Abstract

This research aims to assess the Critical Success Factors (CSFs) for effective supplier selection, focusing on the dimensions, theory, and impact of ethical culture on supplier performance. The study employs a mixed-methods approach, combining quantitative surveys and qualitative interviews to gather comprehensive data from public and private sector companies. Key factors evaluated include quality, price, technical capability, ethical culture, performance history, and reputation. The quantitative data reveals that quality is the primary criterion, followed by competitive pricing and technical capabilities. Ethical culture is highlighted as a significant influence on supplier performance, affecting trust and long-term relationships. Qualitative insights emphasize the positive experiences companies have with ethical suppliers and the challenges in assessing ethical culture. The findings are discussed about value co-creation theory, which underscores the collaborative creation of mutual value between companies and suppliers, and agency theory, which addresses the principal-agent relationship and potential conflicts of interest. Practical implications suggest that companies should incorporate ethical culture assessments into their supplier selection processes and focus on building long-term relationships with reputable suppliers. This approach can enhance operational efficiency, trust, and overall performance. The study concludes that integrating these critical factors into supplier selection can significantly improve the strategic outcomes and competitiveness of companies.
DEVELOPING FINANCIAL LITERACY AMONG STUDENTS OF SMK TELKOM JAKARTA Rahmadi, Rahmadi; Natali, Yus; Cahyadi, Nanang; Hafiza, Lia; Sularso, Alva Nurvina
Multifinance Vol. 2 No. 1 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v2i1.185

Abstract

This community service aims to provide an understanding of effective financial management for students of SMK Telkom Jakarta. Students who are now included in the so-called Generation Z face considerable challenges. Starting from labor market competition to financial problems. So students must be equipped with additional skills for their financial management from an early age. In this activity, we apply the Workshop and Practical Training method. Workshop by providing basic knowledge about financial management. And practical training with the Kakeibo method (traditional Japanese method for managing finances). The results of this activity have an impact on students to care more about their finances, namely increasing financial awareness, and adopting good habits such as recording personal income and expenses.
ANALYSIS OF THE IMPACT OF ACCOUNTABILITY AND TRANSPARENCY ON THE QUALITY OF FINANCIAL REPORTS WITH INTERNAL CONTROL SYSTEM AS A MODERATING VARIABLE Raspati, Gun Gun Mugia; Simanjuntak, Binsar H
Multifinance Vol. 2 No. 1 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v2i1.196

Abstract

The main objective of this research is to analyze the impact of accountability and transparency on the quality of ANRI financial reports and the internal control system as a moderating variable. The study employs a causal impact method, aided by descriptive data analysis and regression weight analysis using AMOS 18, with a research sample of 85 ANRI employees selected through probability sampling and random sampling strategies. The research results indicate that accountability at ANRI is categorized as fairly good, while transparency, the quality of financial reports, and the internal control system at ANRI are categorized as good. Furthermore, the study shows that accountability and transparency collectively have a significant influence on the quality of financial reports at ANRI. Transparency, in partial terms, has a positive and significant impact on the quality of financial reports, while accountability has a positive but not significant influence on the quality of financial reports at ANRI. The internal control system strengthens the relationship, significantly enhancing the impact of transparency on the quality of financial reports, but the internal control system does not significantly strengthen the impact of accountability on the quality of financial reports at ANRI.

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