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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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IMPLEMENTATION OF THE ONE ISLAMIC BOARDING SCHOOL ONE PRODUCT (OPOP) PROGRAM POLICY IN REALIZING CHAMPION ISLAMIC BOARDING SCHOOLS IN WEST JAVA Ali, Muhamad; Pratmaningsih, Sri Astuti
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.v1i3.212

Abstract

This article aims to review literature related to the One Pesantren One Product (OPOP) Program as a strategy for realizing the economic empowerment of Islamic boarding schools in West Java. The research method used is qualitative. This approach involves interviews with Islamic boarding school leaders and members of the surrounding community to gain an in-depth understanding of the vision, goals, and challenges in implementing the OPOP program. The results of this study show that the role of the West Java provincial government is adaptive and innovative in realizing the OPOP program in West Java, and this program has an impact on economic empowerment for the Islamic boarding school community in West Java. This literature review concludes that the One Pesantren One Product (OPOP) Program in West Java has successfully empowered the community in Islamic boarding schools through innovative economic activities.
MARKETING DIGITALIZATION READINESS OF MSMES ASSISTED BY THE BANDUNG CITY CHAMBER OF COMMERCE AND INDUSTRY Panggelo, Sophia Laurens; Yarangga, Rosani; Rashela, Windy
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.v1i3.213

Abstract

This research aims to determine marketing digitalization readiness in Bandung City Chamber of Commerce and Industry MSMEs. This study used a descriptive quantitative method and questionnaires to 82 MSME respondents. The data was processed using SPSS 25 and formulas to calculate the Technology Readiness Index (TRI). The TRI value calculation shows that the MSMEs' readiness is at the high technology readiness level. This conclusion was obtained from the total score of TRI 4.10. From the results, the innovative variable has the lowest value. To increase the value of the innovative variable, researchers advise respondents to have the courage to make innovations and changes, no matter how small, such as trying to use an e-commerce platform to expand market reach so that they can increase sales significantly.
INFLUENCE OF MOTIVATION AND DISCIPLINE ON EMPLOYEE PERFORMANCE AT COMISSÃO NACIONAL ELEIÇÕES (CNE) Quim, Imelda Maria Fidelia; Nufa, Maria Marcela
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.v2i1.214

Abstract

The main aim of this research is to conduct an in-depth study and study of the influence of work motivation and discipline on employee work performance at the Comissão Nacional De Eleições (CNE) Dili Timor–Leste. The sample consisted of 30 employees, with a sampling technique using the accidental method, and a questionnaire was a technique or method for collecting data, with multiple linear regression statistical analysis as an analysis tool rather than a hypothesis test using the T-test. The results of the first hypothesis show that motivation has a positive and significant influence on employee work performance at the Comissão Nacional De Eleições (CNE) Dili Timor – Leste as proven by the output results from SPSS which state that the Tstatistic value of the motivation variable produces a value of 3.962 which is greater than The T table value is 1.679 with a significance level of 0.03, which is smaller than the standard significance of 0.5, thus it can be concluded that the Motivation variable has a quite positive and significant influence on employee performance, meaning that the discipline applied can improve employee performance. The results of the second hypothesis show that work discipline has a positive and significant influence on employee work performance at the Comissão Nacional De Eleições (CNE) Dili Timor – Leste as proven by the output results from SPSS which state that the Tstatistic value of the work Discipline variable produces a value of 3.382 which is more The value of Ttable is 1.679 with a significance level of 0.03, which is smaller than the standard significance of 0.5, thus it can be concluded that the work discipline variable has a quite positive and significant influence on employee performance, meaning that the discipline applied can improve employee performance.
THE INFLUENCE OF COMPETENCE AND PROFESSIONAL ETHICS OF AUDITORS ON AUDIT QUALITY AT THE ADMINISTRATIVE AND FINANCIAL COURT (TRIBUNAL DE CONTAS TIMOR-LESTE) Guterres, Alexandre de sousa; Araujo, Delia Iria Magno de; Ximenes, Elias; Godinho , Justina Gilberta
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.v2i1.216

Abstract

This study aimed to test and analyze the impact of Auditor Competence (X1) and Auditor Professional Ethics (X2) on Audit Quality (Y) at the Tribunal de Contas Timor-Leste. The research questions focused on determining the extent to which competence (X1) and professional ethics (X2) influence audit quality (Y). The population of the study consisted of all 50 staff members of the Tribunal de Contas, with data collected using a census method through questionnaires. Multiple linear regression analysis, T-tests, and SPSS version 21 were used for statistical analysis. The multiple linear regression equation obtained was Y = -2.006 + 0.536 + 0.321 + e, with a determination coefficient (R²) of 0.329, indicating that 32.9% of the variance in audit quality was explained by the two independent variables, while the remaining 67.1% was influenced by other factors not examined. The T-test results showed that Auditor Competence (X1) had a T-statistic value of 2.429, which was greater than the T-table value of 1.677, with a significance level of 0.019, meaning that it had a positive but insignificant effect on audit quality. On the other hand, Auditor Professional Ethics (X2) had a T-statistic value of 2.930, exceeding the T-table value of 1.677, with a significance level of 0.003, indicating a positive and significant effect on audit quality. Therefore, while competence was not a major determinant, professional ethics significantly contributed to audit quality at the Tribunal de Contas.
THE EFFECT OF MARKETING STRATEGY AND PROMOTION ON SALES VOLUME, AT TOYOTA AUTO TIMOR-LESTE COMPANY Guterres, Alexandre de sousa; Freitas , Joao da Costa
Multifinance Vol. 2 No. 2 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v2i2.215

Abstract

This study aims to analyze the effect of marketing and promotion strategies on sales volume at Toyota Auto Timor-Leste. This study used quantitative and qualitative approaches, with a descriptive and analytical design. The research sample consisted of 100 customers who had made a purchase in the last 12 months and 10 company managers, who were purposively selected. Data were collected through questionnaires and in-depth interviews and then analyzed using descriptive statistical methods and linear regression to test the relationship between variables. The results show that there is a significant influence between marketing strategies, which include product, price, place, and promotion, on increasing sales volume. In addition, effective promotions through advertisements and special offers are proven to increase consumer appeal. This research provides important insights for the management of Toyota Auto Timor-Leste in formulating better marketing strategies to increase sales in a competitive market. Thus, this research contributes to the understanding of marketing dynamics in the automotive industry in Timor-Leste.
THE EFFECTS OF OIL PRICE SHOCK AND EXCHANGE RATE ON GROSS DOMESTIC PRODUCT: EVIDENCE FROM LIBYA Kraim, Mahmoud
Multifinance Vol. 2 No. 2 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v2i2.234

Abstract

Many studies have investigated the relationship between oil price shock, exchange rate, and gross domestic product (GDP). This paper examines the effects of an oil price shock and the exchange rate on the GDP in the case of Libya. In this context, we applied the Johansen VAR-based cointegration technique to examine the sensitivity of GDP to the oil prices and exchange rate in the long run. In short-run relationships, we have used the vector error correction estimates (VECM) test through time-series data that included the period between 1990 and 2019. The main finding is that the oil price and exchange rate are important influences on the GDP of Libya. This study has proved that oil prices positively affected the Libyan economy, while we found that the exchange rate harms Libyan GDP.
THE ROLE OF CREATIVE ECONOMY IN COMMUNITY ECONOMIC EMPOWERMENT IN PAKU VILLAGE, KAYUAGUNG SUB-DISTRICT, OKU DISTRICT : EMA MULYADI KEMPLANG CRACKER BUSINESS Wulandari, Vegi; Suryati, Suryati; Fitri, Hartika Utami
Multifinance Vol. 2 No. 2 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v2i2.251

Abstract

This research aims to understand the role of the creative economy in empowering the community economy in the Paku sub-district, Kayuagung sub-district, Ogan Komering Ilir district. This research uses the empowerment theory approach according to Gunawan Sumodiningrat in looking at the success of community empowerment in fulfilling their lives. This research is qualitative, research using descriptive methods. Data collection was carried out using observation, interview, and documentation techniques, utilizing primary and secondary data sources, using a population of 4 employees plus one business owner as informants for Ema Mulyadi's kemplang cracker business. The results of this research show the role of the creative economy in empowering the community's economy in the kemplang cracker business, that the creative economy plays a very important role in economic growth in the community, with the existence of this creative economy, the community can take advantage of skills, ideas, and creativity to get opportunities to improve the economy. Based on the results of research on the role of the creative economy in economic empowerment, the Ema Mulyadi kemplang cracker business in the Paku sub-district can provide a role in the presence of job vacancies that do not look at the age of employees, improving the economy. In this economic improvement, business owners also often provide necessities and extra money when there are celebrations for big holidays, reducing poor people from this kemplang cracker business which employs 15 employees can reduce poor people in the Paku sub-district.
BEHAVIORAL FINANCE: THE IMPACT OF HERDING BEHAVIOR ON INVESTMENT DECISIONS: The Case Of Companies Listed In The Lq-45 Index In The Indonesian Stock Exchange (BEI) For The Period 2018-2020 Khalingga, Muhammad Ariq; Galih, Wening; Risnanto, Slamet; Abimanyu, Ketut
Multifinance Vol. 2 No. 2 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v2i2.253

Abstract

The purpose of this study is to describe and analyze the effect of herding behavior on investment decisions in companies included in the LQ-45 index of the Indonesia Stock Exchange (IDX) for the period 2018-2022 Research method will use descriptive verification method. To test the hypothesis to determine the influence or causal relationship of the hypothesis that has been proposed. In this study, the verification method is used to determine how much influence herding behavior has on investment decisions.  Findings show the results of hypothesis testing that, the independent variable herding behavior has a positive and significant effect on investment decisions, which means that with the panic of investors over the unclear sources of information and market conditions that will affect portfolio performance or can be said to be informational cascades conditions cause the loss of objectivity of an investor and lead to an irrational attitude so that investment decisions are made by following signals and information owned by other investors who are considered high skilled to be used as a reference for portfolio performance.  Value, according to the test results that have been carried out, the herding behavior variable results in a coefficient value of 1.61 with a significance level of 0.0198 <0.05, and the test results for the Coefficient of Determination in this study, show an RSquare value of 0.081119, meaning that 8.1% of the dependent variable Investment Decision can be explained by the independent variable, namely Herding Behavior. For 91.9% can be explained by other factors outside of Herding Behavior.
COMPANY FINANCIAL PERFORMANCE RATIOS: THE INFLUENCES OF THE STRUCTURE OF ASSETS, CASH HOLDING, FIRM SIZE AND INSTITUTIONAL HOLDINGS ON DEBT POLICY Ratnawati, Aryanti; Putri, Cikal Ananda; Lusiana, Senny; Gunawan, Gunawan; Khalingga, Muhammad Ariq
Multifinance Vol. 2 No. 2 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v2i2.254

Abstract

The purpose of this study was to test and analyze the influence of asset structure, cash holding, firm size and institutional ownership on the debt policy of food and beverage industry sub-sector companies on the IDX 2018-2021.  Research method, the type of approach in this research is a Quantitative Approach. The sample of this study was obtained using the Purposive Sampling Method, obtained as many as 19 companies in the Food and Beverage Industry Sub-Sector companies listed on the Indonesia Stock Exchange (IDX) for the 2018-2021 Period. The analysis method used is Panel Data Regression Analysis. The results showed that partially Asset Structure has a significant positive effect on debt policy, Cash Holding hurts debt policy, Company Size has no significant positive effect on policy, Institutional Ownership has a significant positive effect on debt policy, simultaneously Asset Structure, Cash Holding, Company Size and Institutional Ownership have a significant positive effect on Debt Policy. Value, Asset Structure, Cash Holding and Institutional Ownership affect debt policy with a significance level <0.05 while company size has a significance level> 0.05, meaning that company size has no positive effect on debt policy.
CUSTOMER LOYALTY: THE INFLUENCE OF PRICES AND PROMOTIONS ON CUSTOMER LOYALTY : CASE STUDY AT MINIMARKET IN BANDUNG Putra, Wahyu Pramana Arya; Fransiska, Friza Viola; Lilyana , Fitria; Hersusetiyati, Hersusetiyati; Lusiana, Senny
Multifinance Vol. 2 No. 2 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v2i2.256

Abstract

Indomaret customers in Bandung tend to compare prices at one minimarket with another, especially if the minimarkets are close. The price of goods in minimarkets is a fixed price that cannot be negotiated by customers. Customers tend to see product promotions in the form of discounts or price discounts as well as other promotions such as bundling packages when they want to make a purchase. This research was conducted to describe and analyze prices, promotions, and customer loyalty, as well as measuring the influence of prices and promotions on customer loyalty at Indomaret in Bandung. The method used in this research is descriptive and verification analysis method. The population in this research is Indomaret in Bandung customers. The analytical method used in this research is multiple linear analysis. Finding, based on partial research results, prices have a positive and significant effect on customer loyalty, and promotions have a positive and significant effect on customer loyalty. Simultaneously, price and promotion positively and significantly affect Indomaret customer loyalty in Bandung.

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