Multifinance
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
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<![CDATA[THE IMPACT OF PRODUCT QUALITY AND PRICE ON CUSTOMER SATISFACTION : A CASE STUDY ANALYZE HOTEL & RESIDENCE IN BANDUNG - WEST JAVA ]]>
<![CDATA[Muhammad, Farrel Febrian]]>;
<![CDATA[Supriatna, Supriatna]]>;
<![CDATA[Ratnawati, Aryanti]]>;
<![CDATA[Ahmaddien, Iskandar]]>;
<![CDATA[Sartika, Sri Dewi]]>
<![CDATA[ Multifinance Vol. 2 No. 3 (2025): Multifinance ]]>
Publisher : <![CDATA[PT. Altin Riset Publishing ]]>
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DOI: 10.61397/mfc.v2i3.255
<![CDATA[The purpose of this study was to determine the effect of product quality and price on customer satisfaction. This research was conducted at a Hotel & Residence located in the city of Bandung. The number of samples in this study was 97 hotels and residences as respondents with data collection through distributing questionnaires. Methods, this research uses descriptive and associative methods. The data analysis technique used in this study is multiple linear regression. Results and value, based on the results of the analysis show that there is a significant positive effect of product quality variables on customer satisfaction at Hotel & Residence Bandung. There is a positive significant effect on the price variable on customer satisfaction at Hotel & Residence Bandung, for Product Quality and Price simultaneously have a significant effect on Customer Satisfaction with a coefficient of determination of 73.4%.]]>
<![CDATA[INFLUENCE OF PROFITABILITY AND SOLVENCY ON THE FINANCIAL PERFORMANCE OF TELECOMMUNICATION COMPANIES ]]>
<![CDATA[Dharma, Ida Bagus Rai Satria]]>;
<![CDATA[Putri, Aufa Nurristi]]>;
<![CDATA[Handayani, Wuri]]>;
<![CDATA[Agusiady, Ricky]]>
<![CDATA[ Multifinance Vol. 2 No. 3 (2025): Multifinance ]]>
Publisher : <![CDATA[PT. Altin Riset Publishing ]]>
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DOI: 10.61397/mfc.v2i3.257
<![CDATA[Purpose This research aims to find out, analyze and describe how much Profitability and Solvency have a partial and simultaneous influence on financial performance. The independent variables in this research are Profitability as measured by Net Profit Margin (NPM) and solvency as measured by Debt to Equity Ratio (DER), while the dependent variable used in this research is Financial Performance as measured by Return on Assets (ROA). The population in this study was 19 Telecommunications Sub Sector companies listed on the Indonesia Stock Exchange (BEI) 2019-2022. Methods, this research sample used a purposive sampling method, thereby obtaining 10 Telecommunications Sub-Sector companies that met the criteria. Result, the research results show that partial Profitability has a significant effect on Financial Performance with a significant value of 0.0000 < 0.05 and Solvency has no significant effect on Financial Performance with a significant value of 0.2515 > 0.05. Finding, Simultaneously Profitability, and Solvency have a significant effect on Financial Performance with a significant value of 0.000000 < 0.05.]]>
<![CDATA[DEVELOPMENT AND EMPOWERMENT OF HALAL MSMES TO ENHANCE COMPETITIVENESS IN ARGAMAKMUR CITY, NORTH BENGKULU DISTRICT ]]>
<![CDATA[Pefriyadi, Pefriyadi]]>;
<![CDATA[Alfansi, Lizar]]>;
<![CDATA[Darta, Effed]]>;
<![CDATA[Indriani, Reni]]>
<![CDATA[ Multifinance Vol. 2 No. 3 (2025): Multifinance ]]>
Publisher : <![CDATA[PT. Altin Riset Publishing ]]>
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DOI: 10.61397/mfc.v2i3.327
<![CDATA[The objective of this PKM activity is to enhance the competitiveness of Micro, Small, and Medium Enterprises (MSMEs) in Argamakmur City, North Bengkulu Regency. The main focus is to provide a deep understanding of the importance of halal certification and to improve business management competencies following Sharia principles. This enables MSMEs to expand their market and boost consumer trust in their products. The methods employed include training and workshops, mentoring, as well as monitoring and evaluation. Training and workshops aim to provide knowledge on halal certification procedures, halal business management, and marketing strategies. Mentoring is conducted periodically to ensure the proper implementation of the knowledge provided. Monitoring and evaluation are carried out to measure progress and the effectiveness of the activities. The results show a significant increase in MSME actors' understanding and awareness of halal certification. Several MSMEs have successfully obtained halal certification and reported increased consumer trust and product sales. The Halal MSME Development and Empowerment Program has successfully achieved its goal of enhancing MSME competitiveness in Argamakmur City, North Bengkulu Regency. With halal certification and improved business management competencies, MSMEs are better prepared to face market competition and attract more consumers.]]>
<![CDATA[THE ROLE OF FINANCIAL TECHNOLOGY (FINTECH) IN MANAGING UMKM FINANCE IN NORTH BENGKULU DISTRICT ]]>
<![CDATA[Zoraya, Intan]]>;
<![CDATA[Kamaludin, Kamaludin]]>;
<![CDATA[Santi, Fitri]]>;
<![CDATA[Rahmayanti, Dewi]]>;
<![CDATA[Afandy, Chairil]]>
<![CDATA[ Multifinance Vol. 2 No. 3 (2025): Multifinance ]]>
Publisher : <![CDATA[PT. Altin Riset Publishing ]]>
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DOI: 10.61397/mfc.v2i3.328
<![CDATA[This study examines the role of financial technology (fintech) in improving financial literacy among Micro, Small, and Medium Enterprises (MSMEs) in North Bengkulu Regency. Along with the development of technology and people's need for more efficient financial services, fintech has emerged as a solution to facilitate financial transactions. However, the community's low understanding of fintech can lead to financial risks, especially for MSME groups that tend to be consumptive. The research involved socialization and education on the use of fintech, with a focus on its positive impact and how to use it wisely. The methods used included surveys, presentations, and interactive discussions with participants. The results of the activity showed an increase in participants' knowledge of fintech and its potential utilization to improve financial transactions. This activity is expected to encourage local economic growth and increase public awareness of the importance of financial literacy in the digital era. Therefore, continuous education and support are needed to ensure that people can optimally utilize fintech.]]>
<![CDATA[ANALYSIS OF THE INFLUENCE OF POPULATION NUMBER AND EMPLOYMENT OPPORTUNITIES ON POVERTY IN THE CITY OF PALANGKARAYA ]]>
<![CDATA[Harati, Rima]]>
<![CDATA[ Multifinance Vol. 2 No. 3 (2025): Multifinance ]]>
Publisher : <![CDATA[PT. Altin Riset Publishing ]]>
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DOI: 10.61397/mfc.v2i3.340
<![CDATA[This research aims to analyze the influence of population and employment opportunities that occurred during 2010-2024 on poverty in Palangkaraya City. This research is descriptive quantitative and uses multiple regression analysis tools. The results of multiple regression analysis using SPSS 25 show that population and employment opportunities do not have a significant influence on poverty in the city of Palangkaraya. Meanwhile, based on classical assumptions, it is explained that the regression model in this study meets the normality assumption, multicollinearity occurs in the regression model in this study, in this regression model symptoms of heteroscedasticity occur, it is concluded that there are no symptoms of autocorrelation.]]>
<![CDATA[FACTORS AFFECTING THE IMPLEMENTATION OF PRIMARY HEALTH SERVICES AT COMMUNITY HEALTH CENTERS: HEALTHCARE WORKERS’ PERSPECTIVE ]]>
<![CDATA[Permana, Adrian]]>;
<![CDATA[Fitria, Ida Jalilah]]>
<![CDATA[ Multifinance Vol. 2 No. 3 (2025): Multifinance ]]>
Publisher : <![CDATA[PT. Altin Riset Publishing ]]>
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DOI: 10.61397/mfc.v2i3.341
<![CDATA[This study aims to identify the factors influencing the implementation of prime service at Melong Asih Community Health Center from the perspective of health workers. Employing a qualitative approach, this research involved in-depth interviews with health workers and direct observation. The findings revealed that responsiveness, accessibility, communication, politeness, and the availability of medicines are key factors affecting the quality of service. Although Melong Asih Community Health Center has shown a strong commitment to providing quality services, there are still several aspects that need to be improved, such as consistency in providing friendly and empathetic services, improving administrative systems, and enhancing the competence of health workers. This research provides important implications for efforts to improve the quality of services at Melong Asih Community Health Center, namely by enhancing the competence of health workers, improving administrative systems, and ensuring the availability of adequate resources.]]>
<![CDATA[THE INFLUENCE OF FINANCIAL LITERACY AND LOCUS OF CONTROL ON FINANCIAL BEHAVIOR ON STUDENTS OF UNIVERSITAS SANGGA BUANA INSTITUTIONS ]]>
<![CDATA[Putri, Amelisca Eka]]>;
<![CDATA[Agusiady, Ricky]]>; Susanto, Bambang;
<![CDATA[Ratnawati, Aryanti]]>
<![CDATA[ Multifinance Vol. 2 No. 3 (2025): Multifinance ]]>
Publisher : <![CDATA[PT. Altin Riset Publishing ]]>
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DOI: 10.61397/mfc.v2i3.342
<![CDATA[This study aims to examine the effect of financial literacy, locus of control, and lifestyle on the financial behavior of students at Sangga Buana University in Bandung. The background of this study is based on the importance of good financial behavior in supporting financial well-being, especially among students as a productive age group that is forming their financial habits. This study uses a quantitative approach with descriptive and verifiable methods. Data was collected through questionnaires distributed to 100 active student respondents from Sangga Buana University in Bandung. The analysis technique used is multiple linear regression analysis to test the simultaneous and partial effects of the independent variables on the dependent variable. The results showed that simultaneously, financial literacy, locus of control, and lifestyle have a significant effect on students' financial behavior. Partially, financial literacy has a positive and significant effect on financial behavior, which indicates that the higher the students' understanding of finance, the better their financial behavior. Locus of control also has a significant positive effect, indicating that students with confidence in internal control over their lives tend to have better financial behavior. On the other hand, lifestyle has a negative effect on financial behavior, which means that the more consumptive the lifestyle of students, the worse their financial behavior. This study is expected to be a reference for educational institutions in designing programs to improve financial literacy and form positive attitudes toward personal financial management.]]>
<![CDATA[THE ROLE OF E-SERVICE QUALITY, CUSTOMER SATISFACTION, AND EXPERIENCE IN REPURCHASE INTENTION ON TRAVELOKA USERS IN BANDUNG ]]>
<![CDATA[Kurniawan, Ryan]]>;
<![CDATA[Rachmawati, Mariana]]>;
<![CDATA[Suganda, Uce Karna]]>
<![CDATA[ Multifinance Vol. 2 No. 3 (2025): Multifinance ]]>
Publisher : <![CDATA[PT. Altin Riset Publishing ]]>
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DOI: 10.61397/mfc.v2i3.346
<![CDATA[This research is intended to find out how the role of consumer satisfaction mediates the effect of service quality and customer experience on repurchase intention. To identify the relationship between e-service quality and repurchase intention through customer satisfaction as a mediation, the relationship between customer experience and repurchase intention through customer satisfaction as a mediation, the relationship between customer satisfaction and repurchase intention, the relationship between customer experience and customer satisfaction, and the relationship between e-services. service quality to customer satisfaction for Traveloka customers. The data collection method used a questionnaire research instrument in the survey method. The object of this research is 110 respondents who are Traveloka customers who are domiciled in Bandung and aged 17 years and over. The research method applied is a quantitative method using the SPSS data analysis program. The research results show that e-service quality and customer experience have a positive and significant effect on customer satisfaction. E-service quality, customer experience, and customer satisfaction have a positive and significant effect on repurchase intention.]]>
<![CDATA[THE INFLUENCE OF BRAND AND SPICY LEVEL ON CONSUMER REPEAT ORDERS AT NOODLES GACOAN PAMEKASAN RESTAURANT ]]>
<![CDATA[Dwiaryanti, Risca]]>;
<![CDATA[Megawati, Normala]]>;
<![CDATA[Hafidurrahman, Moh.]]>
<![CDATA[ Multifinance Vol. 2 No. 3 (2025): Multifinance ]]>
Publisher : <![CDATA[PT. Altin Riset Publishing ]]>
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DOI: 10.61397/mfc.v2i3.355
<![CDATA[This study aims to examine whether the brand and spicy level can affect consumer repeat orders at Noodles Gacoan Pamekasan Restaurant and to find out how much the brand and spicy level can affect consumer repeat orders. This research was carried out using a quantitative method. The population in this study is all consumers of Noodles Gacoan Pamekasan Restaurant and the sample was taken from a population of 50 respondents using the Simple Random Sampling technique. The data collection instrument for this study is a questionnaire. The research hypothesis test was carried out using testing of questionnaire data instruments in the form of validity tests, reliability tests, multiple linear regression analysis, t-tests, f tests, and determination coefficient tests. The data processing technique uses the SPSS software program (version 16.0). The results showed that the brand and spicy level had a significant stimulant effect on consumer repeat orders based on the t-test with a significant level of 0.041 < 0.05. This proves that Ho was rejected and Ha was accepted. Meanwhile, based on the results of the coefficient test, the determination of the magnitude of brand influence and spicy level on consumer repeat orders, it can be seen from the results obtained, that the terminated coefficient value (R2) shows an R square value of 0.977, which means that the amount of brand contribution and spicy level to consumer repeat orders is 97.7% while the remaining 2.3% is the contribution of other variables that are not included in this study. From the data interpretation table, the r-value is calculated in a series of numbers 0.80-0.1000 with a very strong interpretation.]]>
<![CDATA[THE ROLE OF WORKPLACE SPIRITUALITY ON EMPLOYEE PERFORMANCE THROUGH ORGANIZATIONAL COMMITMENT ]]>
<![CDATA[Setiawan, Audita]]>;
<![CDATA[Limakrisna, Nandan]]>;
<![CDATA[Warsindah, Lucy]]>
<![CDATA[ Multifinance Vol. 2 No. 3 (2025): Multifinance ]]>
Publisher : <![CDATA[PT. Altin Riset Publishing ]]>
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DOI: 10.61397/mfc.v2i3.347
<![CDATA[This study aims to explore the influence of workplace spirituality on employee performance, considering the mediating role of organizational commitment. A quantitative approach was employed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to analyze data collected from questionnaires distributed to auditors in public accounting firms in the West Java region. The findings indicate that workplace spirituality has a significant positive impact on employee performance, with organizational commitment serving as an effective mediator. The high t-statistic value suggests that employee who experience meaning and connection in their work demonstrate higher levels of commitment, ultimately leading to improved performance. These findings align with previous literature stating that workplace spirituality can enhance commitment and performance through increased intrinsic motivation. The practical implications of this study highlight the importance of organizations fostering a work environment that supports employees’ spiritual values to enhance commitment and performance.]]>
