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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
EXPLORING STAKEHOLDER VOICES: ISAK 35 IMPLEMENTATION ON FINANCIAL STATEMENTS IN ISLAMIC BOARDING SCHOOLS OF LEBAK REGENCY Akbar, Taufik; Anasta, Lawe; Nugraha, Gugun
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.v3i2.491

Abstract

This study aims to explore the implementation of Interpretation of Financial Accounting Standards (ISAK) 35 in Islamic boarding schools (pesantren), focusing on Pondok Pesantren Daarus Sunnah Rangkasbitung, Lebak Regency, Banten Province. Although ISAK 35 is designed to enhance transparency and accountability in non-profit financial reporting, its implementation in pesantren still faces various obstacles. This study employs a qualitative approach using case study methods through in-depth interviews with six key stakeholders: pesantren administrators, supervisors, principals, finance staff, members of the Indonesian Ulema Council (MUI), and Muslim scholars. The findings reveal three main factors hindering ISAK 35 implementation: (1) inadequate accounting competence, (2) low understanding of financial reporting preparation, and (3) insufficient socialization and information. Stakeholders recognize the importance of accountability but emphasize alignment with pesantren values. Practical solutions proposed include: continuous training and mentoring, structured SOP development, accounting technology utilization, and effective socialization and advocacy. This study contributes to developing an adaptive and responsive ISAK 35 implementation model that respects the unique ecosystem of pesantren.
LEVERAGING GREEN FINANCING FOR SUSTAINABLE RURAL DEVELOPMENT IN AFRICA: A BIBLIOMETRIC ANALYSIS OF LITERATURE Nhorito, Shadreck; Tendai, Manhando
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.v3i2.434

Abstract

The study focused on leveraging green financing for sustainable rural development in Africa. The bibliometric analysis of literature relating to the study was utilised through developing themes relating to the specific objectives of the study. The problem of the study is limited green financing in rural Africa due to lack of social justice by the responsible leaders when allocating finances for sustainable development. The specific objectives of the study are to establish the factors influencing green financing for sustainable rural development in Africa, to analyse the impact of green financing for sustainable rural development, to assess the challenges for leveraging green financing for sustainable rural development, and to establish strategies for leveraging green financing for sustainable rural development. The study was guided by the Capability Approach emphasizing on how people can understand the existence of unequal distribution of resources due to the destruction of capability and functioning of the members of the household. The result from literature shows that policy clarity, taxonomies, stable regulations and alignment with the global climate-finance architecture strongly influence green financing in rural Africa. Inclusive green growth pathway. National transitions that integrate skills, SMEs, and gender inclusion into green-finance programs tend to yield broader rural welfare improvements financial-sector constraints. Green-banking is limited by awareness, perceived complexity, and lack of dedicated funds, curbing diffusion in rural enterprises.
THE ROLE OF MOTIVATION AND WORKLOAD ON EMPLOYEE PERFORMANCE AT THE SADANANYA VILLAGE HEAD OFFICE CIAMIS REGENCY Purnamawati, Hilda; Dahlan, Malik Al Muslim Putra; Sukiman, Iyan
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.v3i2.451

Abstract

This study aims to explore the implementation of Interpretation of Financial Accounting Standards (Human resource performance is a key pillar in the effectiveness of public sector organizations, including at the village government level which serves as the frontline of public service. This research is motivated by the phenomenon of declining employee performance at the Sadananya Village Head Office, Ciamis Regency. This initial indication is reinforced by internal assessment data, increasing absenteeism rates, and pre-survey findings that describe problems related to low work motivation and perceptions of excessive workload. Therefore, this study aims to analyze in depth the conditions of motivation (X₁), workload (X₂), and employee performance (Y), and to examine the influence of motivation and workload variables on employee performance partially and simultaneously. This study uses a quantitative approach with a descriptive verification design. The sampling method used is a census (saturated sample), where the entire population of 80 employees is used as respondents. Data collection was carried out through questionnaires, and the data analysis technique used is multiple linear regression analysis with the help of SPSS software. This study found that most employees experience low work motivation, while on the other hand they feel a high workload. The results of statistical testing then confirmed that these two factors, motivation and workload, were proven to have an influence on employee performance, both when analyzed separately (partially) and combined (simultaneously).
IMPACT OF SERVICE QUALITY AND DIGITAL MARKETING ON SALES GROWTH OF CREATIVE ENTERPRISES Sikki, Nurhaeni; Ihwani, Najmi; Priadi, Dadi
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.v3i2.452

Abstract

This study investigates the impact of service quality and digital marketing on sales growth in creative enterprises, with a case study of the Kisah Hari Bandung start-up. The research aims to identify how these factors influence the achievement of sales targets and overall business performance. A quantitative survey method was applied with 99 respondents selected from a population of 4,224 consumers using probability sampling. Data were collected through questionnaires and analyzed using validity and reliability tests, classical assumption tests, and multiple linear regression. The findings reveal that service quality and digital marketing both have a positive and significant effect on sales growth, either individually or simultaneously. Together, these variables contribute 71.8% to sales growth, while the remaining proportion is influenced by other factors not examined in this study. The results highlight the importance of quality service delivery and effective digital marketing strategies for creative business sustainability.
GENERATION Z’S PERCEPTION OF FLEXIBLE WORK CULTURE AND ITS IMPACT ON PRODUCTIVITY Fidayan, Abdul; Tri Satya, Mutia
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.v3i2.502

Abstract

The rapid transformation of work systems driven by digitalization and the post-pandemic era has introduced flexible work culture as a new norm, particularly affecting Generation Z employees. This study aims to analyze the perception of Generation Z toward flexible work culture and its impact on individual productivity. A quantitative research approach was used with a total of 271 respondents consisting of Generation Z employees from various business sectors in Indonesia. Data were collected using a Likert-scale questionnaire adapted from validated instruments on work flexibility and productivity, and analyzed using SPSS 27 through validity, reliability, correlation, and simple linear regression tests. The results show a strong and significant positive relationship between the perception of flexible work culture and individual productivity (R = 0.726; R² = 0.527; Sig. < 0.05). This means that 52.7% of productivity variation can be explained by employees’ perception of flexibility in work time, location, and organizational support. However, role ambiguity and distractions in hybrid settings remain key challenges that hinder optimal performance. The study concludes that a positive perception of flexible work culture significantly enhances productivity when supported by clear role definitions, open communication, and trust-based leadership. Future research is suggested to include variables such as motivation, digital leadership, and work-life balance to better understand the behavioral dynamics of Generation Z in modern workplaces.

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