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Ahmad Andry B
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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 15 Documents
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Search results for , issue "Vol. 3 No. 2 (2025): Multifinance" : 15 Documents clear
UTILIZATION OF ARTIFICIAL INTELLIGENCE IN TOURISM MARKETING MANAGEMENT OF PALEMBANG CITY TO ENHANCE DESTINATION COMPETITIVENESS Wahyuni, Sri; Yuniarsih , Yuyun; Rismayanti , Anggita; Fathurrahman, Fikry
Multifinance Vol. 3 No. 2 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v3i2.436

Abstract

This study examines the utilization of Artificial Intelligence (AI) in tourism marketing management to enhance the competitiveness of Palembang City as a tourist destination. The main issue addressed is the lack of innovation in marketing strategies, which have not been adaptive to technological advancements. The objective of this research is to identify how AI implementation can optimize destination promotion and attract more tourists. The research was conducted in Palembang City using a qualitative descriptive method. Data collection techniques included interviews, observations, and document analysis involving tourism stakeholders. The results of the study indicate that the use of AI-based tools such as chatbots, virtual tours, and data analytics can improve marketing effectiveness and tourist engagement. The conclusion emphasizes the importance of integrating AI strategies into tourism marketing to create more personalized, efficient, and engaging promotional efforts.
THE ROLE OF TRAINING AND DEVELOPMENT OF GEN-Z EMPLOYEES IN IMPROVING SERVICE QUALITY AT PT JRX POOL & CAFÉ BANDUNG CITY Priadi, Muhammad Dadi; Batubara, Inka Hermando; Hersusetiyati, Hersusetiyati; Sikki, Nurhaeni; Gemellia, Livy Putrikita
Multifinance Vol. 3 No. 2 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v3i2.437

Abstract

This study aims to analyze the role of training and development of Gen-Z employees in improving service quality at PT JRX Pool & Café. Employee training and development is a key factor in improving skills, work efficiency, and professionalism, especially for Gen-Z employees who have unique characteristics in the world of work. This research uses descriptive qualitative methods with data collection techniques through observation, interviews, and documentation. The results show that training at PT JRX Pool & Café is still limited, with only one implementation in the last three years, as well as retraining which is still in the planning stage. In addition, cross-functional training and creativity programs have not been formally implemented, although there are informal initiatives in some departments. In terms of development, the study found that performance evaluations are conducted regularly through self-assessment and supervisor appraisals. However, there are still challenges in work discipline, absenteeism, and employee initiative in contributing to service innovation. The service quality of Gen-Z employees at PT JRX Pool & Café is considered quite good, but there are still some obstacles in the aspects of reliability, responsiveness, and empathy towards customers. The conclusion of this study confirms that more structured and continuous training and development is urgently needed to improve service quality and customer satisfaction. Companies need to improve training methods to better suit Gen-Z characteristics, including technology-based approaches, real case simulations, and continuous evaluation to ensure service standards remain optimal.
INTELLECTUAL PROPERTY PROTECTION IN BRANDING STRATEGIES OF LOCAL MSME PRODUCTS IN REJANG LEBONG REGENCY: OPPORTUNITIES AND CHALLENGES IN THE ERA OF GLOBALIZATION Pefriyadi, Pefriyadi; Elfalahy, Lutfi; Indriyani, Dea; Maryadi, Jimmi
Multifinance Vol. 3 No. 2 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v3i2.439

Abstract

Globalization presents new challenges for MSMEs in Rejang Lebong Regency in maintaining the competitiveness of local products, particularly in relation to Intellectual Property (IP) protection. Limited understanding and utilization of IP often weakens branding strategies that could strengthen the market position of local products at both the national and global levels. This study aims to analyze the level of MSME understanding of IP, identify the impact of IP protection on branding strategies, and examine the opportunities and challenges faced by MSMEs in utilizing IP in the era of globalization. Using a qualitative approach, data were collected through in-depth interviews with MSME actors and relevant government agencies. The object of this research consists of MSMEs in Rejang Lebong Regency that have the potential to develop local products with protected trademarks. The findings indicate that optimal IP protection contributes significantly to more effective branding strategies and reveals various opportunities and challenges in implementing IP to compete in the global market.
REVVING UP SALES: THE IMPACT OF BRAND IMAGE AND PRICE ON BUYING INTEREST FOR HONDA PCX IN BANDUNG Kurniawan, Ryan; Yakhusna, Rizqi; Munizah, Dinda Trie
Multifinance Vol. 3 No. 2 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v3i2.440

Abstract

This research aims to analyze the influence of Brand Image and Price on Buying Interest (Case Study of Honda PCX Motorcycle Users in Bandung City). Competition between motorbike brands in Indonesia continues to occur, including the Honda and Yamaha brands. Each brand has advantages that can be emphasized to consumers, so that consumers are interested in making purchases from the brands they offer. However, the Yamaha motorbike brand (Nmax) has proven to be superior in sales compared to the Honda motorbike brand (PCX) in 2024. This research method utilizes Google facilities which are often used by everyone, namely online Google forms with a sample of 100 respondents who use Honda PCX motorbikes. The research results show that brand image and price have a significant effect on consumer buying interest. A strong brand image and competitive prices increase consumer buying interest. This research provides implications for companies to maintain and improve the quality of their brand image and adjust prices to consumer needs.
THE EFFECT OF THE USE OF QRIS DIGITAL PAYMENTS ON THE PURCHASE DECISION OF BUSINESS ADMINISTRATION STUDENTS OF SANGGA BUANA UNIVERSITY YPKP BANDUNG Setiawan, Barick Ahmad; Yunengsih, Yuyu; Karmilah, Karmilah; Setiawan, Audita; Hersusetiyati, Hersusetiyati
Multifinance Vol. 3 No. 2 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v3i2.448

Abstract

This study was conducted to determine the effect of the use of QRIS digital payments on purchasing decisions at Business Administration Students of Sangga Buana University YPKP Bandung. The purpose of this study was to determine how much influence it has. This study uses a quantitative method with a descriptive associative research type, sampling was carried out using a non-probability sampling method with a simple random sampling type. The number of relevant respondents according to the criteria was 97 people. The data analysis techniques used were descriptive analysis and simple linear regression analysis. The results of the simple regression analysis obtained a constant number value of 22.642 while the regression coefficient value was 0.330, so it can be interpreted that the constant value of the QRIS digital payment variable is 0 (constant), and the purchasing decision variable is 22.642. The regression coefficient value says that the QRIS digital payment variable has a positive influence on the purchasing decision variable. The magnitude of the influence of QRIS digital payments on purchasing decisions is 19.7%, it can be interpreted that as much as 19.7% of the purchasing decisions of Sangga Buana University YPKP Bandung students are influenced by QRIS digital payments.
ANALYSIS OF THE IMPACT OF ERP IMPLEMENTATION ON PROCESS OPTIMIZATION GLOBAL MARKETING AND SALES AT PT SINKONA INDONESIA LESTARI Hersusetiyati, Hersusetiyati; Nugraha, Rian Nanda; Algunadi, Muhammad; Susanto, Bambang
Multifinance Vol. 3 No. 2 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v3i2.449

Abstract

This research aims to analyze the implementation of the Enterprise Resource Planning (ERP) system at PT Sinkona Indonesia Lestari in the Marketing and International Sales unit. The implementation of ERP is expected to improve operational efficiency and provide better services to consumers, ultimately generating added value and maximizing benefits for all company stakeholders. This study employed a qualitative research method with an interactive qualitative approach. Data were collected through interviews, observations, and documentation studies. The results indicate that the ERP system implementation at PT Sinkona Indonesia Lestari has been running well. The ERP system helps in completing tasks, improving information quality, unifying the company's units, and optimizing operational performance. These findings are supported by interview data from key informants regarding ERP implementation, success factors, and employee adaptation to the ERP system. In conclusion, the implementation of ERP positively impacts the effectiveness and efficiency of the marketing and international sales unit's operations.
THE EFFECTIVENESS OF AI IN ENHANCING THE PEOPLE’S ECONOMY TO ACHIVE INDONESIA EMAS 2045 Kusuma, Ajeng Nisa; Wibowo, Kunto Arief; Raharja, Shafa Dhia
Multifinance Vol. 3 No. 2 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v3i2.450

Abstract

To be able to get to a Golden Indonesia in 2045 is not an easy thing, it is actually a challenge for the Indonesian people. Golden Indonesia 2045 has a pillar, one of which is a sustainable economy. In a sustainable economy, it can be implemented through a people's economy whose values of the people's economy here refer to the family economic system, and can build MSMEs for Indonesia, so that the people's economy here can be a driver to implement a Golden Indonesia in 2045. In this study, it is also associated with AI as artificial intelligence that can actually provide an innovation for its users, not only that, but AI can also help the people's economy here to be implemented easily. In this study, it raises the effectiveness of AI in improving the people's economy in order to be able to move towards a Golden Indonesia 2045. The results of this study actually look at two sides, the first is that AI can effectively improve the people's economy, but on the one hand it can actually have a negative impact on economic actors, and later it can refer to the people's economy in realizing a Golden Indonesia 2045.
STOCK PRICE DETERMINANTS AND IMPLICATIONS ON COMPANY VALUE (A STUDY OF THE LQ45 STOCK GROUP CONSISTENTLY LISTED ON THE INDONESIA STOCK EXCHANGE 2011-2022) Tahmat, Tahmat; Suteja, Jaja
Multifinance Vol. 3 No. 2 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v3i2.482

Abstract

The study aims to determine the effect of Debt to Equity, Debt to Assets, Return on Equity and Earning Per Share, inflation, BI Rate interest rates, economic growth, rupiah exchange rates and world oil and their effect on stock prices and the effect of stock prices on company value in the LQ45 stock group listed consistently on the Indonesia Stock Exchange in 2011-2022. The method used in the study is the verification method. The sample in this study was 15 companies, selected by purposive sampling method. Data analysis used panel data analysis techniques. In general, this study concludes that internal factors partially: Debt to Equity and Debt to Assets have a negative and significant effect on stock prices, Return on Equity has a positive and significant effect on stock prices, EPS has a positive but not significant effect on stock prices. While external factors partially: Inflation, Interest Rates, World Oil and Dummy Covid-19 have a negative and significant effect on stock prices, Economic Growth and have no effect on stock prices, Rupiah exchange rate has a positive and significant effect on stock prices. Simultaneously, internal and external factors influence stock prices. Then, stock prices have a positive and significant influence on company value.
ANALYSIS OF DOLL PRODUCT QUALITY CONTROL USING STATISTICAL QUALITY CONTROL (SQC) METHODS AT PT AURORA WORLD CIANJUR Dewatmoko, Santo; Nurmartiani, Erika; Ramdhany, Muhamad Arief
Multifinance Vol. 3 No. 2 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v3i2.489

Abstract

This study analyzed the doll quality control system at PT Aurora World Cianjur, which uses the Statistical Quality Control (SQC) method. Results show that tears (37.34%) and basting stitching (35.47%) are the two most dominant production defects, collectively accounting for 72.82% of all defects. Data were collected with check-sheets, while Pareto diagrams identified defect priorities, p-charts evaluated process stability, and fishbone diagrams diagnosed root causes. The most significant finding was that the production process became unstable in May, with the defect rate reaching 0.1536 well above the control limit. Operator skills, material quality, work methods, and environmental conditions were identified as the main contributing factors. Focused improvements are recommended: operator training, material standardization, SOP implementation, and work environment optimization. Consistently addressing these human, method, environment, and material factors is expected to significantly reduce defect rates and enhance export competitiveness.
INVESTMENT DECISIONS OF YOUNG INDONESIAN INVESTORS: THE INFLUENCE OF FINANCIAL LITERACY, OVERCONFIDENCE, AND RISK TOLERANCE Garnia, Erna; Aprilia, Ajeng; Lisaumi , Siti Riyyan
Multifinance Vol. 3 No. 2 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v3i2.490

Abstract

Economic growth in a country can originate from investment activities. Every year, the number of investors in the capital market continues to increase, and these investors are predominantly young investors. Investment activities are inseparable from the investment decision-making process itself. However, in determining investment decisions, investors are influenced by both rational and irrational factors. This study aims to analyze and describe the influence of financial literacy, overconfidence, and risk tolerance on investment decisions among young investors in investment galleries throughout the Greater Bandung area. This research employs descriptive and verificative approaches using primary data and a quantitative methodology. The sampling method utilized is purposive sampling. Data testing and analysis include validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, correlation coefficient analysis, coefficient of determination analysis, and hypothesis testing. The research findings demonstrate that financial literacy, overconfidence, and risk tolerance have a significant positive influence both simultaneously and partially on investment decisions among young investors in investment galleries throughout Greater Bandung. These results indicate that enhancing financial literacy, managing overconfidence behavior, and understanding individual risk tolerance profiles are crucial factors in improving the quality of investment decision-making among young investors in Indonesia's emerging capital market.

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