Bhinneka Multidisiplin Journal

PENGARUH FINTECH PAYMENT DAN LITERASI KEUANGAN TERHADAP PERILAKU MANAJEMEN KEUANGAN MAHASISWA UNIVERSITAS PAMULANG

Eka Priya Shifa — 2026-04-04

The purpose of this study is to determine the influence of Fintech payment and financial literacy on the financial management behavior of Pamulang University students. The method used is quantitative. The sampling technique uses saturated sampling where all members of the population are used as samples, thus the sample in this study totals 110 respondents. Data analysis used validity test, reliability test, classical assumption test, regression analysis, correlation coefficient, determination coefficient and hypothesis test. The population in this study is students of the Faculty of Economics, Pamulang University and the number of saturated samples is 110 respondents. The method of data collection is through questionnaires with a likert scale, observation, and literature study. The results of this study are that Fintech payment has a significant effect on financial management behavior with a determinationcoefficient of 42.8% and the hypothesis test was obtained by calculating > table or (8,994 > 1,982). Financial literacy had a significant effect on financial management behavior with a determinationcoefficient of 62.7% and a hypothesis test obtained by calculating > ttable or (13,479 > 1,982). Fintech payment and financial literacy simultaneously had a significant effect on financial management behavior with a regression equation Y = 4.382 - 0.430X1 + 1.037X₂, nii coefficient of determination was 64.7% while the remaining 35.3% was influenced by other factors. The hypothesis test obtained the value of Fcal > Ftabel or (98.147 > 3.08).

ANALISIS PSYCHOLOGICAL SAFETY CLEANING SERVICE OFFICER PADA ERA FIESTA PROPERTY KABUPATEN TANGERANG

Deo Resta Putra — 2026-04-04

Success: This study analyzed the level of psychological safety among Cleaning Service Officers (CSOs) at Era Fiesta Property. The CSO unit plays a vital role but is vulnerable to a low sense of psychological safety due to its hierarchical position. Using qualitative methods through in-depth interviews with 12 informants, this study measured four key indicators: courage to speak up, tolerance for mistakes, self-disclosure, and a sense of being valued within the team. The primary objective was to understand how the work climate influences staff's courage in reporting problems and making efficiency suggestions. The results showed that the company successfully built a positive psychological safety climate through an educational management approach and strong team solidarity. Senior employees had a high level of confidence to innovate and report errors without fear due to the support of their superiors. However, challenges were encountered among new employees, who tended to hold back due to feelings of embarrassment. In conclusion, the strategy of humanizing employees has been effective for long-standing staff, but the company needs to increase inclusivity in the new employee orientation process to accelerate the development of psychological safety.

The Influence of Instagram Social Media and Product Quality on Purchase Decisions on CV Shanjaya Group Webbing Tangerang

Retnaningrum Sri Puji Wahyuningsih — 2026-04-04

The purpose of this study is to determine the influence of Instagram social media and product quality on purchase decisions on CV Shanjaya Group Webbing Tangerang. The method used is quantitative. The sampling technique used the slovin formula and a sample of 93 respondents was obtained. Data analysis used validity test, reliability test, classical assumption test, regression analysis, correlation coefficient, determination coefficient and hypothesis test. The population in this study is consumers of CV Shanjaya Group Webbing Tangerang and the number of saturated samples amounted to 93 respondents. The method of data collection is through questionnaires with a likert scale, observation, and literature study. The results of this study are that Instagram social media has a significant effect on purchasing decisions with a determinationcoefficient of 28.1% and a hypothesis test obtained by tcal > ttable or (8.026 > 1.98667). Product quality had a significant effect on the purchase decision with a determination coefficient of 21.4% and the hypothesis test was obtained > ttable or (7.663 > 1.98667). Instagram social media and product quality simultaneously had a significant effect on purchase decisions by obtaining the regression equation Y = 17.104 + 0.394X1 + 0.271X₂, nilai coefficient of determination of 54.2% while the remaining 45.8% was influenced by other factors. The hypothesis test obtained the value of Fcal > Ftabel or (53.262 > 3.10).

PENGARUH MOTIVASI INTRINSIK DAN KOMUNIKASI KERJA TERHADAP KINERJA KARYAWAN PADA PT. SELARAS BINTANG SEJAHTERA KOTA DEPOK

Sarah Wiwanda — 2026-04-04

The purpose of this study is to determine the influence of intrinsic motivation and work communication on employee performance at PT. Aligned with the Prosperous Star of the City of Depok. The method used is quantitative. The sampling technique uses saturated sampling where all members of the population are used as samples, thus the sample in this study is 58 respondents. Data analysis used validity test, reliability test, classical assumption test, regression analysis, correlation coefficient, determination coefficient and hypothesis test. The population in this study is employees of PT. In line with the Prosperous Star of Depok City and the number of saturated samples amounted to 58 respondents. The method of data collection is through questionnaires with a likert scale, observation, and literature study. The results of this study are that intrinsic motivation has a significant effect on employee performance with a determinationcoefficient of 84.4% and the hypothesis test was obtained by calculating > ttable or (17,407 > 1,672). Work communication had a significant effect on employee performance with a determination coefficient of 85.2% and the hypothesis test was obtained by calculating > ttable or (17,976 > 1,672). Intrinsic motivation and work communication simultaneously had a significant effect on employee performance with the regression equation Y = 0.045 + 0.497X1 + 0.483X₂, nii coefficient of determination was 90.3% while the remaining 9.7% was influenced by other factors. The hypothesis test obtained the value of Fcal > Ftabel or (254.722 > 3.16).

ANALISIS PENGARUH ALOKASI DANA DESA, TINGAKAT PARTISIPASI ANGKATAN KERJA, PENDIDIKAN, DAN KESEHATAN TERHADAP TINGKAT KEMISKINAN PROVINSI LAMPUNG

Cici Mayuza — 2026-04-04

This study aims to analyze the effects of village funds, the labor force participation rate, and government expenditure in the education and health sectors on the poverty rate across 13 regencies in Lampung Province. The study uses data from 2015 to 2023. This research employs panel data analysis using the Random Effects Model (REM). The results indicate that village funds, the labor force participation rate, and government expenditure in the education sector have negative and significant effects on poverty. Meanwhile, government expenditure in the health sector does not have a significant effect on poverty.

PENGARUH TEMPERATUR SINTERING KAOLIN PADA BATA TAHAN API TERHADAP UJI DENSITAS, POROSITAS DAN KUAT TEKAN

Yusniar Ahmiyati — 2026-04-04

Fire bricks possess the ability to withstand high temperatures; however, repeated use beyond their capacity can lead to failure. As construction materials, fire bricks maintain their shape and strength at extremely high temperatures. Kaolin is a natural mineral belonging to the clay group, with kaolinite as its primary constituent. The decomposition of kaolinite into metakaolinite occurs between 400 and 630°C, and metakaolin gradually promotes the formation of mullite crystals. Alumina is one of the most widely used raw materials in refractory applications due to its high heat resistance, as well as its resistance to erosion and corrosion. This study aims to analyze fire bricks produced by sintering kaolin at 700°C, while varying the compositions of kaolin, alumina, and chamotte, followed by firing at 1300°C. Density test results indicate that Sample 3 yielded the best value of 2.14 g/cm³. Porosity test results show that Sample 3 achieved the optimal value of 16.4%. Compressive strength test results demonstrate that Sample 3 produced the highest value of 34.79 N/mm². This research has the potential to serve as an alternative solution for developing fire bricks applicable in the petrochemical industry, iron and steel production, boilers, power plants, ceramics, glass, and other sectors.