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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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ANALYSIS OF THE INFLUENCE OF UNEMPLOYMENT VARIABLES ON ECONOMIC GROWTH IN CENTRAL KALIMANTAN USING THE ERROR CORRECTION MODEL (ECM) APPROACH Harati, Rima
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.v1i3.136

Abstract

The objective of this study is to examine the impact of unemployment variables on Gross Regional Domestic Product (GRDP) by employing the Error Correction Model methodology. This research is conducted in Central Kalimantan from 2012 to 2023. According to the cointegration testing findings using the ECM approach, the probability of the unemployment variable is 0.3788, which is greater than the significance level of 0.05. There is a lack of cointegration or long-term balance relationship between the variables, which means that testing cannot be conducted over an extended period of time. The ECM test findings indicate that there is no significant short-term impact of the unemployment variable on GRDP in Central Kalimantan. This is supported by the probability value of the unemployment variable, which is 0.2660, above the threshold of 0.05. According to the classical assumption test, there are no signs of autocorrelation in the research model. Additionally, the Jarque Berra probability value of 0.764092 is greater than 0.05, indicating that there are no signs of heteroscedasticity. Therefore, the research model can be considered normally distributed.
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.
ISO 9001:2015 IMPLEMENTATION PLANNING IN NON-FORMAL EDUCATIONAL INSTITUTIONS IN THE FIELD OF PROGRAMMING IN INDONESIA Hernawan, Yosep; Filianti, Filianti; Rasto, Rasto; 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.v2i1.197

Abstract

This study aims to develop an implementation plan for ISO 9001:2015 in non-formal educational institutions in the programming field in Indonesia. The approach used in this study is descriptive qualitative with data collection techniques used are observation, interviews, and documentation studies. The study results show that non-formal educational institutions in the programming field in Indonesia have several deficiencies in implementing ISO 9001:2015, such as the absence of adequate documents to support the quality management system implementation. Based on the results of this study, an ISO 9001:2015 implementation plan can be prepared which consists of three stages. First, the preparation stage includes understanding the ISO 9001:2015 standard, document preparation, and employee training. Second, the implementation phase provides for the implementation of a quality management system according to ISO 9001:2015 standards and the measurement of system performance. Third, the maintenance stage includes the evaluation of the quality management system that has been implemented and follow-up on the results of the evaluation. The results of this study are proof that the application of ISO 9001:2015 in non-formal educational institutions in the field of programming is very important. The application of the ISO 9001:2015 concept is very important and this can be done immediately, without having to wait for the certification process.
THE ROLE OF STORE LOCATION AND STORE ATMOSPHERE ON CUSTOMER LOYALTY Azis, Abdul; Hermina, Nurul
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.v1i3.211

Abstract

The coffee shop business in Indonesia has become a trend in recent years. Osiris Coffee is a business unit that provides customers with services and products. Over the last six months, Osiris Coffee has experienced a decline in the number of customers, which is believed to be due to the coffee shop's less strategic location and atmospheric store, which cannot compete with other coffee shops. This research aims to determine the effect of location and store atmosphere on customer loyalty at Osiris Coffee. It is quantitative and uses an Osiris Coffee customer analysis unit. Data was collected by distributing questionnaires to 84 customers. The results of hypothesis testing state that store location has a partial effect on customer loyalty, and store atmosphere has a partial effect on customer loyalty. Apart from that, store location and store atmosphere simultaneously positively and significantly affect customer loyalty. The results of hypothesis testing in this research have a positive effect both partially and simultaneously.

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