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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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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. 3 No. 1 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v3i1.348

Abstract

Indomaret customers in Bandung tend to compare prices at one minimarket with another, especially if the minimarkets are located close to each other. 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 to measure the influence of prices and promotions on customer loyalty at Indomaret in Bandung. The method used in this research is descriptive and a verification analysis method. The population in this research is the Indomaret in Bandung customers. The analytical method used in this research is multiple linear regression analysis. 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 have a positive and significant effect on Indomaret customer loyalty in Bandung.
EVALUATION OF E-KTP RECORDING SERVICES FOR NOVICE VOTERS AHEAD OF GENERAL ELECTIONS IN PEKANBARU CITY Hayati, Rahmadini Sri; Sujianto, Sujianto
Multifinance Vol. 3 No. 1 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v3i1.404

Abstract

This study aims to analyze and describe the e-KTP recording service for new voters ahead of the general election in Pekanbaru City. This study uses the service theory by Zeithaml, Berry, and Parasuraman which uses 5 indicators, namely tangible, reliability, responsiveness, assurance, and empathy. The application of the method used in this study is a descriptive qualitative research method. With data collection techniques, namely interviews, observation, and documentation. The results of this study are that the e-KTP recording service for new voters ahead of the general election by the Pekanbaru City Popilation and Civil Registry Office is good with the implementation of innovayions that can increase the number of e-KTP recordings, namely outreach efforts. However, there are still several factors that need to be fixed or improved, namely the public awareness, employee accuracy, and technical and operational constraints in outreach efforts.
IMPLICATIONS OF MARKETING DIGITALIZATION ON THE EFFECTIVENESS AND EFFICIENCY OF MARKETING COSTS IN PAMEKASAN MSMES Rahman, Fadali; Fitriani, Syindina Anansyah; Legenda, Siti Aisyah; Firmansyah, Nur Alvian; Maulana , Irfan
Multifinance Vol. 3 No. 1 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v3i1.417

Abstract

Based on the background of the problem, it can be seen that the objectives of this study are: 1) To determine the implications of the implementation of digital marketing on the effectiveness and efficiency of marketing costs for MSMEs in Pamekasan Regency; 2). To determine the challenges faced by MSMEs in carrying out digital marketing. In this study, researchers used a qualitative research method. The data collection technique involved conducting observations, interviews, and documentation. The data analysis used in this study was non-statistical, namely by conducting data reduction, data presentation, and data verification. The results of the study showed that: 1) The implications of the implementation of digital marketing on the effectiveness and efficiency of marketing costs for MSMEs in Pamekasan District are that it can be used as a promotional medium that does not require a lot of costs, such as printing brochures or pamphlets. In addition, it can also increase product sales volume, and can provide benefits for its business 2). The challenges faced by MSMEs in digitalizing marketing are: many competitors, lack of understanding of digital media, maintaining customer loyalty and maintaining consumer trust, and slow delivery services.
SOCIALIZATION OF FINANCIAL LITERACY IN RESIDENTS OF JOMBLANG VILLAGE, CANDISARI DISTRICT, SEMARANG CITY: Socialization of Financial Literacy for Residents of Jomblang Village, Candisari District, Semarang City Lasmiatun, KMT; Adipradana, Bintang
Multifinance Vol. 3 No. 1 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v3i1.419

Abstract

This article discusses the importance of socializing financial literacy to the public, especially housewives, young people, and heads of families, in order to improve their understanding and skills in financial management. Through an approach that includes budgeting, investment planning, and debt management, this article aims to provide practical knowledge that can be applied in everyday life. Obstacles and challenges in the socialization of financial management literacy were also identified, such as limited access to technology and embedded financial habits. At the end of the article, it is recommended to implement sustainable and personalized education programs so that people can overcome economic challenges more effectively. It is hoped that through increasing financial literacy, the financial welfare of the community can be realized and family economic stability can be maintained.
THE INFLUENCE OF SERVICE AND TASTE OF CAFE UNI IN PADANG PARIAMAN Nurofik, Agus; Nini, Nini; Permana, Hendrik; Indrayani, Tri Irfa
Multifinance Vol. 3 No. 1 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v3i1.411

Abstract

This study aims to analyze the quality of service and the taste of food at Cafe Uni, a café that serves traditional regional dishes with authentic interior design and cultural atmosphere. The focus of the research is on how Cafe Uni maintains taste consistency despite the challenge of limited availability of spices, as well as how its service strategies create customer satisfaction and loyalty. This approach is relevant given that culture-based culinary businesses have great potential to attract market interest while preserving tradition. The research employed a qualitative approach, with data collected through in-depth interviews with the owner and staff of Cafe Uni, as well as direct on-site observations. Data analysis was conducted using a descriptive qualitative method, linking field findings to relevant theories such as the SERVQUAL model for service quality, the expectancy-disconfirmation model for customer satisfaction, and the concept of experiential marketing for dining experiences. The findings reveal that Cafe Uni successfully preserves authentic flavors by sourcing spices directly from their regions of origin, either through staff traveling home or via cargo shipments. The quality of ingredients is maintained through proper temperature-controlled storage to preserve their color and texture. Friendly, smiling, and interactive service creates a welcoming atmosphere for customers, even for those dining alone. The integration of authentic taste, quality service, and cultural ambiance significantly enhances customer satisfaction and fosters repeat visits. This study provides practical insights for regional culinary business owners in managing unique dining experiences to remain competitive in the market.
ASPECTS OF PRODUCTION AND MARKETING BUSINESS FEASIBILITY TOFU AND TEMPEH MSMES Rahman, Fadali; Lestari, Dian; Nurfaizah, Arini; Fikni, Nurinda Aulia; Naila, Alfin
Multifinance Vol. 3 No. 1 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v3i1.418

Abstract

This study aims to analyze the production and marketing aspects as key indicators of business feasibility for tofu and tempeh MSMEs (Micro, Small, and Medium Enterprises) in Teja Village, Pamekasan Regency, Indonesia. The business involves traditional soybean processing into high-value food products while maintaining a strong market orientation. Based on field observation and interviews, the enterprise operates four times a week, producing approximately 30 kg of tofu and 30 kg of tempeh per day. With an initial capital of less than IDR 50 million, it qualifies as a micro-enterprise. This study employs a qualitative descriptive approach, utilizing SWOT analysis and a basic feasibility analysis based on production efficiency, market potential, and direct marketing strategies. The findings reveal that the business is feasible and promising for further development, especially due to stable local demand and low per-unit production costs. These insights offer valuable contributions to MSME development strategies that leverage local potential and operational efficiency. The study recommends adopting digital marketing innovations and modernizing equipment to enhance competitiveness and expand market reach.
EXPLORATION OF TRUST PARADOX IN CONSUMER BEHAVIOR IN THE USE OF THE TOKOPEDIA APPLICATION Suliha, Suliha; Brahmana, Rico; Rachmadi, Firman; Putri, Amelia Delfina; Aulia, Virdha Rahma
Multifinance Vol. 3 No. 1 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v3i1.393

Abstract

This study explores the Trust Paradox phenomenon among Tokopedia users, a condition where consumers still intend to buy even though their level of trust in the platform is low. Using a quantitative approach and PLS-SEM analysis of 154 respondents, it was found that Perceived Value, User Experience, and Trust Paradox have a significant effect on Purchase Intention. In contrast, Trust and Perceived Risk do not show a significant direct effect. Exploratory analysis identifies user segments with high purchase intentions despite having low trust, strengthening the existence of the Trust Paradox in digital consumer behavior.
THE EVOLUTION OF INTELLECTUAL CAPITAL IN KNOWLEDGE MANAGEMENT: A GLOBAL SYSTEMATIC LITERATURE REVIEW STUDY ON PUBLIC ORGANISATIONS Havidotinnisa, Siti; Rofaida, Rofi; Hadijah, Hady Siti
Multifinance Vol. 3 No. 1 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v3i1.402

Abstract

This study aims to analyze the evolution of intellectual capital in public organization knowledge management globally, focusing on the period 2000–2025, to identify current trends, challenges, and best practices. This study uses a systematic literature review (SLR) method based on the PRISMA protocol, analyzing 10 articles indexed in Scopus and Web of Science. The research findings reveal three main findings. First, human capital in public organizations has undergone digital transformation, where technology-based competencies such as data analytics and AI have become critical, although skill gaps remain a challenge, particularly in developing countries. Second, structural capital is rapidly developing through the adoption of cloud-based knowledge management systems, blockchain, and collaborative platforms, but is hindered by rigid bureaucracy and infrastructure limitations in some regions. Third, relational capital is strengthened by social media and digital public participation mechanisms, although it is vulnerable to misinformation. This study also identifies the emergence of the concept of “green intellectual capital,” which integrates sustainability principles into the three dimensions of intellectual capital. Theoretically, these findings enrich the discourse on intellectual capital by integrating the perspectives of the Knowledge-Based View, Institutional Theory, and Complexity Theory. Practically, this study recommends accelerating digital training for public human resources, standardizing the interoperability of knowledge systems, and strengthening technology-based multisectoral collaboration. Policy implications include the need for a regulatory framework that supports intellectual capital innovation while addressing the challenges of the digital divide and knowledge governance.
ASSESSMENT OF BUSINESS OPPORTUNITIES IN RURAL AREAS OF SELECTED STATES IN THE SOUTH-SOUTH ZONE OF NIGERIA UDOM, Bassey; E. Ebenezer, AKPAN,
Multifinance Vol. 3 No. 1 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v3i1.420

Abstract

This study aims to assess and map business opportunities in rural areas of several states in Nigeria's South-South zone, focusing on agribusiness, non-farm enterprises, cooperatives, information and communication technology, and formal and informal financial systems. The main objective of the study was to identify factors that support and constrain rural enterprise growth, and to provide contextualized policy recommendations for sustainable economic empowerment. The research method used a mixed approach with a combination of quantitative surveys, in-depth interviews, and field observations in rural communities in Delta, Bayelsa, Rivers, Cross River, Akwa Ibom, and Edo states. Data were analyzed using descriptive methods, SWOT analysis, and the theoretical frameworks of rural development, entrepreneurial ecosystems, and small towns theory. The results showed that the agribusiness sector, particularly cassava production, oil palm, and fisheries, has great potential but is constrained by market access, capital, and processing facilities. Non-farm businesses are growing as a diversification strategy, with women playing a significant role in petty trade and services. Cooperatives and informal financial systems such as Esusu are the main support for business capital, while access to formal banks remains limited. The potential for digitization through social media and digital banking services is emerging, although hampered by limited infrastructure and literacy. SWOT analysis confirmed that natural resources and local social networks are key strengths, while weak infrastructure and economic uncertainty are threats. Overall, this research emphasizes the need for an integrative approach that links local resources with institutional support and inclusive development policies to foster sustainable rural entrepreneurship in South-South Nigeria.
ARTIFICIAL INTELLIGENCE INTERVENTION IN AUDITING AGAINST FUND EMBEZZLEMENT IN THE BANKING SECTOR OF NIGERIA Lawal, Sakiru Abiola; ADEYEYE, Victor Ajibayo
Multifinance Vol. 3 No. 1 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v3i1.427

Abstract

This study investigates the role of Artificial Intelligence (AI) in enhancing internal auditing mechanisms to prevent and detect fund embezzlement within the Nigerian banking sector. The primary objective is to evaluate how AI-driven audit systems contribute to mitigating fraud risks while addressing the organizational and human factors that shape their effectiveness. A qualitative research design was employed, combining semi-structured interviews with internal auditors from selected Nigerian banks and direct observations of AI-enabled audit systems. Data were analyzed thematically using coding techniques, and the findings were interpreted through the lenses of Fraud Triangle Theory, Agency Theory, and Technology Adoption frameworks. Results reveal that AI strengthens audit effectiveness by improving anomaly detection and reinforcing internal controls, thereby narrowing opportunities for fraud. However, the study highlights that pressures and rationalizations driving fraudulent behaviors remain persistent challenges beyond the scope of technology. Additionally, the adoption and effectiveness of AI are influenced by organizational readiness, auditor competence, and cultural attitudes within the banking sector. This research contributes both theoretically and practically by integrating multiple perspectives to explain fraud dynamics in developing economies, emphasizing that technology alone cannot eliminate embezzlement risks without complementary regulatory, cultural, and human resource interventions.

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