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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 80 Documents
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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.
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.
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.

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