Bhinneka Multidisiplin Journal
https://bmj.esc-id.org/index.php/home
metadataYayasan Education and Social Centeren-USBhinneka Multidisiplin Journal3046-7071PENGARUH VARIASI KOMPOSISI KAOLIN DAN ALUMINA TERHADAP SIFAT FISIS DAN MEKANIK PADA REFRAKTORI BATA TAHAN API
https://bmj.esc-id.org/index.php/home/article/view/110
<p><em>The development of metal smelting, cement, ceramic, and power generation industries demands materials capable of withstanding high temperatures and extreme environmental conditions. One such material widely used in these applications is refractory brick. Broadly speaking, refractory materials are multiphase ceramics designed to operate under harsh service conditions at very high temperatures. Refractory bricks belong to the group of refractory ceramics due to their ability to endure elevated temperatures (Utomo, 2010). Kaolin serves as a binder due to its excellent bonding properties with quartz. Kaolin consists of alumina and silica derived from the weathering of feldspar minerals or granite rocks. Analysis of its mineral composition reveals major components including silica (SiO₂) at 48.70%, alumina (Al₂O₃) at 36.73%, water (H₂O) at 13.96%, and trace amounts of metal oxides. This study aims to analyze refractory bricks produced by sintering kaolin and alumina at 700°C, followed by varying compositions of kaolin, alumina, and chamotte, and firing at 1300°C. Based on the test results, variations in material composition influence the structure and strength of alumina-based refractory bricks. Porosity, linear shrinkage, and compressive strength tests indicate that Sample 2 exhibits the highest compressive strength among all variations.</em></p>Aji SutrisnoTumpal Ojahan R
Copyright (c) 2026 Aji Sutrisno, Tumpal Ojahan R
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2026-06-062026-06-063319020110.53067/bmj.v3i3.110ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN MAHASISWA UNIVERSITAS LAMPUNG DALAM MENGGUNAKAN APLIKASI PAYLATER
https://bmj.esc-id.org/index.php/home/article/view/111
<p><em>The purpose of this study is to examine the variables that affect University of Lampung students' decisions to use PayLater services. With 397 respondents chosen using Slovin's algorithm, the study employs a quantitative approach with an associative strategy. Questionnaires were used to gather data, and a Likert scale was used for descriptive analysis. Student income, pricing perception, financial management practices, consumption, risk, and security are among the variables examined. According to the study's findings, the majority of the variables fall into the high group, indicating that students have a respectable degree of financial literacy, consumption, and confidence in PayLater services. With only 33% of respondents using PayLater, the choice to use the service is still regarded as low to medium. This suggests that students still think about financial concerns and their capacity to pay even when PayLater provides ease and flexibility. While financial management and risk perception discourage excessive use, income and price perception typically encourage usage. Increasing trust is also influenced by security perception. All things considered, PayLater turns into a useful payment option, but it necessitates prudent money management.</em></p>Muhammad ArifTiara Nirmala
Copyright (c) 2026 Muhammad Arif, Tiara Nirmala
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2026-06-062026-06-063320221510.53067/bmj.v3i3.111IMPLEMENTASI SISTEM PRESENSI KARYAWAN PADA PT. GLOBAL LINTAS IRAMADA NETWORK
https://bmj.esc-id.org/index.php/home/article/view/112
<p><em>The development of information technology has encouraged companies to improve the effectiveness of human resource management, one of which is through an employee attendance system. PT. Global Lintas Iramada Network still uses manual and semi-digital attendance systems, causing several problems such as recording errors, delays in data recapitulation, and ineffective employee attendance monitoring. This study aims to design and implement a web-based employee attendance system to improve the efficiency and accuracy of attendance data management. The system development method used in this research is the Waterfall model, which consists of requirement analysis, system design, implementation, testing, and maintenance stages. The system was developed using the Laravel framework and MySQL database. The results of this study indicate that the developed system is able to facilitate check-in and check-out processes, centralized data storage, automatic report generation, and more effective employee attendance monitoring. Based on the testing results, all main system features functioned properly according to user requirements. Therefore, the web-based attendance system is feasible to be implemented at PT. Global Lintas Iramada Network.</em></p>Ridho Fitra palasaIhsan SetiyadiHaniva Siti Vathinah
Copyright (c) 2026 Ridho Fitra Palasa, Ihsan Setiyadi, Haniva Siti Vathinah
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2026-06-062026-06-063321622710.53067/bmj.v3i3.112ANALISIS DAMPAK KETIDAKPASTIAN KEBIJAKAN EKONOMI GLOBAL DAN DOMESTIK TERHADAP INDEKS HARGA SAHAM GABUNGAN (IHSG) DI INDONESIA TAHUN 2020-2025
https://bmj.esc-id.org/index.php/home/article/view/113
<p><em>This study analyzes the impact of global and domestic economic policy uncertainty on the Indonesia Composite Stock Price Index (IHSG) during 2020–2025. Global Economic Policy Uncertainty (EPU), Indonesia EPU, and the Volatility Index (VIX) are used as indicators of uncertainty affecting stock market performance. This research applies a quantitative approach using the Vector Error Correction Model (VECM) to examine both short-run and long-run relationships among variables. The analysis is supported by Uncertainty-Investment Theory, Financial Contagion Theory, and Rational Expectations Theory. The results are expected to show that increases in global and domestic policy uncertainty, as well as rising market volatility, negatively affect IHSG through higher investor risk aversion, capital outflows, and declining market confidence. This study contributes to understanding the transmission of uncertainty shocks to Indonesia’s capital market and provides implications for investors and policymakers in responding to economic uncertainty.</em></p>Ageng JulitasariTiara Nirmala
Copyright (c) 2026 Ageng Julitasari, Tiara Nirmala
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2026-06-062026-06-063322823910.53067/bmj.v3i3.113DETERMINAN HARGA EMAS DI INDONESIA: PENDEKATAN ARDL PADA PERIODE SETELAH PANDEMI COVID-19
https://bmj.esc-id.org/index.php/home/article/view/114
<p><em>This study examines the determinants of gold prices in Indonesia during the post-COVID-19 period from January 2023 to April 2026 using the Autoregressive Distributed Lag (ARDL) approach. The analysis focuses on the Indonesian Composite Stock Price Index (IHSG), inflation, the USD to Rupiah exchange rate, and oil prices (USOIL). The results indicate a long-run relationship between gold prices and the selected macroeconomic variables. The IHSG, inflation, and the exchange rate have positive and significant effects on gold prices, while oil prices are found to be insignificant. These findings suggest that domestic financial market conditions, inflationary pressures, and exchange rate fluctuations play an important role in determining gold prices in Indonesia. Overall, the results support the role of gold as both a hedging instrument and a safe-haven asset amid economic uncertainty in the post-COVID period.</em></p>Nandya Artha DyantiTiara Nirmala
Copyright (c) 2026 Nandya Artha Dyanti, Tiara Nirmala
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2026-06-062026-06-063324025310.53067/bmj.v3i3.114EFEKTIVITAS KEBIJAKAN MONETER INKONVENSIONAL TERHADAP STABILITAS MAKROEKONOMI KELOMPOK ADVANCED ECONOMIES SERTA KELOMPOK EMERGING MARKET & DEVELOPING ECONOMIES: STUDI KASUS PANDEMI COVID-19
https://bmj.esc-id.org/index.php/home/article/view/115
<p><em>The COVID-19 pandemic triggered the largest economic crisis since The Great Depression of 1929–1933 and prompted central banks worldwide to massively adopt Unconventional Monetary Policy (UMP). This study comparatively analyzes the effectiveness of UMP during the COVID-19 pandemic across 10 Advanced Economies (AE) and 10 Emerging Market & Developing Economies (EMDE) spanning the sub-regions of Eastern Europe, Southeast Asia, and Latin America. Utilizing a qualitative multiple case study approach with source triangulation, this research finds that UMP in AE was highly effective in stabilizing financial markets through the portfolio balance channel; but the transmission to the real sector remained partial due to persistent Zero Lower Bound (ZLB) conditions and liquidity traps. Conversely, UMP in EMDE was more market-stabilizing rather than macro-stimulating, operating on a smaller scale (0.3–10% of GDP) but supported by the flexibility of the still-available interest rate channel. Three primary structural factors explain the difference in effectiveness between the groups: (1) the policy cycle position (ZLB vs. non-ZLB); (2) the depth of financial markets; and (3) the central bank credibility. These findings underscore that effectivity of UMP does not operate independently; rather, but is heavily determined by the broader policy ecosystem. </em></p>Ananda Marco Ramadhan SialaganTiara NirmalaDian Fajarini
Copyright (c) 2026 Ananda Marco Ramadhan Sialagan, Tiara Nirmala, Dian Fajarini
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2026-06-062026-06-063325426410.53067/bmj.v3i3.115