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One of Perum Bulog's efforts to maintain price stability and food availability is distributing its products through the "Rumah Pangan Kita" (RPK) partnership. However, in 2022, it was recorded that most of RPK's partners would no longer run their businesses. It is suspected that this happened because the income obtained did not match the expectations of fundamental food traders. This research aims to analyze the influence of the RPK partnership factor on the income of fundamental food traders, which is calculated through Return on Asset analysis (ROA) in Malang. The sample used in this study consisted of 30 respondents and was analyzed using multiple linear regression methods. The results showed that the variables of cooperation and commitment had a significant influence on the ROA of grocery traders in Malang. Other variables do not have a significant influence. The implications of this research highlight the importance of strengthening cooperation and commitment within the RPK partnership program to improve the profitability of fundamental food traders. Moreover, the findings suggest that communication and openness, while not significantly impactful in this study, should not be overlooked but optimized as supporting factors to enhance the overall partnership effectiveness.

After the enactment of Law Number 6 of 2014 concerning Villages, the authority given to Village Governments became wider in managing their own households. This increasingly broad authority allows villages to receive funding channels from the Central Government called Village Funds. In managing these funds, the government has regulated it in Minister of Home Affairs Regulation Number 20 of 2018. This research aims to find out the role of village officials in accountability for managing village funds in Sumurgayam Village, Paciran District, Lamongan Regency, whether it is in accordance with Minister of Home Affairs Regulation Number 20 of 2018. The type of research used in this research is qualitative with a descriptive approach. The data used in this research is primary data in the form of interviews with village officials, namely the Village Head, Village Secretary, Village Treasurer, BPD, Hamlet Head and several Sumurgayam Village residents. The secondary data used by researchers is in the form of village archives, namely the RPJMDesa village profile and the Village Fund Budget Realization Report. The results of this research show that Sumurgayam village officials have played a role in accordance with Minister of Home Affairs Regulation Number 20 of 2018 starting from planning, implementation, administration, reporting, accountability to coaching and supervision. Accountability for managing village funds is in accordance with Minister of Home Affairs Regulation Number 20 of 2018, but in the process there are still village officials who do not understand some of their duties. Transparency in the management of Sumurgayam village funds has been fulfilled even though there are still people who do not understand its function.

AbstractCountry image, brand image, and warranty knowledge are essential for evaluation and decision-making. This study examines the effects of these three variables on the purchase intentions of a car as a high-involvement product with high-risk attributes. This study investigates the role of consumer knowledge of essential product external cues, namely product warranty, which is relevant mainly for risk-averse consumers. Specifically, the present research tests the moderating effects of two categories of product warranty knowledge, subjective and objective, on the relationship between country image and brand image on purchase intentions in two different consumption situations: personal and business. The current study applies a quantitative approach and collected data through a survey of 386 respondents who are the owners and managers of car rental service providers in Central Java, Indonesia. The hypothesis was tested using structural equation modeling, and the findings indicate the significant effects of country image and brand image on purchase intentions in personal and business settings. Further tests demonstrate that only subjective warranty knowledge moderates the relationship between country image and purchase intentions but not the relationship between brand image and purchase intentions in personal and business backgrounds. This study offers several managerial implications for future research, particularly when comparing the models of individual and business consumers.

Current business progress and developments make it easy for people to recognize various investments, one of which is stocks. Investors can find out several terms in purchasing shares, one of which is the initial public offering (IPO) which is used by companies to obtain additional capital obtained from investors. This study aims to determine the effect of profitability, firm age and financial leverage on the underpricing of Initial Public Offering shares. Using a quantitative research method using a sample of 21 companies that experienced stock underpricing in 2019-2022. The data analysis technique in this study used multiple linear regression analysis using SPSS version 26. This research tested using the t test and F test. The results of this study indicate that partially profitability, firm age and financial leverage have a significant effect on initial public offering stock underpricing. Simultaneously profitability, firm age and financial leverage have a significant effect on initial public offering stock underpricing.

In response to the growing demand for sugar that surpasses national production, enhancing sugar production capacity becomes imperative. This study, conducted in Watugede Village, Puncu District, Kediri Regency, East Java, from March to April 2019, explores the partnership dynamics between sugarcane farmers and sugar factories. Employing in-depth interviews and purposive sampling, the research assesses sugarcane farming feasibility, highlighting a favorable R/C ratio of 1.2 and a BEP unit of 37,837 kg, indicating the economic viability of sugarcane cultivation with revenues reaching Rp. 65,615,000. The agribusiness collaboration model identified is a subcontracting pattern between PG. Tjoekir and sugarcane farmers. Additionally, utilizing Porter's diamond model, the analysis reveals conducive factors supporting farmers' market access. These include favorable environmental conditions for sugarcane cultivation, a rising demand for sugar, and access to market information. In conclusion, fostering partnerships and improving farming practices showcase promising avenues for bolstering the sugar production sector.

This study aims to examine how strategic leadership in the MSME sector affects the relationship between entrepreneurial skills and entrepreneurial motivation to business outcomes. The selection of respondents for this study will be conducted by random sampling and purposive sampling for owners and leaders of MSMEs in Central Cikarang. A total of 100 respondents will be selected as the sample size. To conduct data analysis will use the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. The results show that entrepreneurial motivation does not directly influence business performance, but entrepreneurial ability and strategic leadership have a significant relationship with business performance. In addition, strategic leadership was shown to regulate the relationship by enhancing the positive effects of entrepreneurial ability and motivation on business outcomes. These findings emphasize the importance of strategic leadership development in improving the performance and survival of MSMEs Keywords: Entrepreneurial Skills; Entrepreneurial Motivation; Strategic Leadership; Business Performance

Purpose: Changes in the generation of human resources in an organization is something that cannot be avoided. Including the change of generations who hold the baton of leadership who have changed from generation X to the mayiritas gen Y, especially in managerial and top management positions. This study aims to analyze the influence of Gen X and Gen Y leadership on employee motivation through leadership style as an intervening variable, where the independent variable consists of Gen X leadership (X1), Gen Y leadership (X2), leadership style (Z) as an intervening variable and motivation (Y) as a dependent variable. Design/methodology/approach: This research is a quantitative research using the employee population in one of the salt industries in Indonesia at the level of supervisor, manager, and general manager. Findings: The results of this study show the direction of a positive variable relationship which means that the two variables are directly proportional, which means that Gen X leadership and Gen Y leadership affect employee motivation. Leadership style affects employee motivation. Gen X leadership influences employee motivation through leadership style and Gen Y leadership influences motivation through leadership style Research limitations/implications: This research was conducted on one of the companies in the salt industry in Indonesia by distributing questionnaires to 132 employees at the supervisor level as many as 77 people, managers 43 people and general managers as many as 12 people. The nature of the questionnaire shared is closed so that respondents only have to choose on the application of the selected answer. Practical implications: Changes that occur in the leadership variables of gen X will be followed by changes in employee motivation in the same direction if the leadership of Gen X is adequate in carrying out duties it will be followed by employee motivation, the existence of adequate Gen X leadership will be followed by high work motivation. The right leadership style can encourage Gen X to strengthen employee motivation. Changes that occur in the leadership variables of gen Y will have a good impact and will be followed by high employee motivation. A good leadership style will affect employee motivation. Changes in the leadership variables of gen Y will have an effect on changes in motivation variables in the direction, if the leadership of Gen Y runs well, it will have an impact on increasing employee motivation. The right leadership style can encourage Gen X to strengthen employee motivation. The right leadership style can support the implementation of the influence of gen Y leadership on employee motivation. Originality/value: This research was conducted in November – December 2023 at one of the salt industry companies in Indonesia by surveying at once 3 generations, namely gen X, gen y and gen z simultaneously to assess each of their leaders, both Gen X and Gen Y.

This study aims to determine whether relational capital can improve marketing performance with dynamic capability mediation. This research discusses relational capital with marketing performance with dynamic capabilities. SEM-PLS with Smart PLS 3.0 software is used in this study to concurrently assess the mediation effect. Through surveys, data from 200 MSMEs with a focus on the coffee industry were gathered. From January to August 2023, questionnaires were given to business managers or marketing teams in Sleman, Yogyakarta. Implications Particularly for coffee enterprises, the acceptance or rejection of hypotheses reveals management ramifications. First, organizations may be able to adjust to the environment more rapidly thanks to dynamic capability. Additionally, it can keep up with and enhance marketing. Third, it aids in the survival of app startups. In a pertinent way, Dynamic Capability conceptualizes both internal and external stakeholders.

Design/Methodology: This study involved supply chain managers in manufacturing companies in DKI Jakarta and West Java Provinces, Indonesia. The reason is that these two provinces had many manufacturing companies and were two of the largest industrial cities in Southeast Asia. Based on the survey conducted, there were 160 questionnaires distributed. However, the data that meets the requirements is 145 and can be processed further. This study used the Structural Equation Model (SEM) analysis technique using Partial Least Square. Findings: This study has confirmed a number of findings including: (1) Digital HRM had a positive and significant influence on SC performance, (2) Digital HRM had a positive and significant influence on green orientation, (3) Green Orientation had no positive and significant influence on SC performance, (4) ) Green Orientation did not mediate the effect of Digital HRM on SC performance, (5) Green Innovation had a positive and significant influence on green orientation and Green Innovation did not moderate the influence of digital HRM on SC performance. Research Limitation/Implications: This study only focuses on the scope of Digital Human Resource Management (DHRM) on Supply Chain Performance (SCP). The mediating role of Green Orientation and the moderating role of Green Innovation in research findings did not have a significant contribution. The next study is expected to examine the concept of digital HRM which is not only oriented towards green orientation and green innovation in manufacturing companies. Other considerations are needed such as digital entrepreneurship, digital business and digital skills which are currently developing in the world and even in Indonesia. This is because Digital entrepreneurship, digital business and digital skills are one of the supporters of economic growth and company performance in a sustainable manner. Managerial Implication: This study is expected to be a reference for practitioners, especially in the field of Digital Human Resource Management (DHRM) on Supply Chain Performance (SCP). Furthermore, the concept of digital HRM by organizations can be used as an effective alternative in continuously improving SC performance in manufacturing companies in Indonesia. Theoretical Implication: The findings of this research provide a theoretical contribution related to the pattern of relationship between digital HRM and SC performance, although green orientation did not mediate the pattern of relationship between digital HRM and SC performance, likewise, green innovation did not mediate the pattern of relationship between digital HRM and SC performance. However, these two aspects can be an important focus in this research and must be considered for further research. Originality/Value: This study has originality because it examines the role of digital HRM on SC performance which is still very rarely researched especially when it is associated with the mediating role of green orientation and green innovation.

Marketing strategy is a way to gain competitive advantage for companies that produce goods or services. The importance of analyzing the value of the level of customer satisfaction with the company's marketing mix to determine the characteristics of consumers, the level of importance and performance of the company's marketing mix and the level of customer satisfaction. With this research, it is hoped that the company can improve and develop its marketing strategy and provide recommendations to improve the performance of the marketing mix (9P). This research uses a descriptive quantitative approach and was conducted in December 2021-February 2022. The research method used is Importance Performance Index and Customer Satisfaction Index. The research respondents were 90 people using purposive sampling method and processed using SPSS 26 and Microsoft Excel. Based on the results of the Importance Performance Analysis, the overall results have an average value of the indicator suitability level at the Nako Slipi Coffee Shop of 91.37 %. This value is included in the good category. However, the indicator performance level has not reached 100% so that the store needs to improve the performance indicators of the marketing mix attributes which are still unsatisfactory, especially on the promotional media indicator (X4.2). Based on the results of the analysis using the Customer Satisfaction Index, the general level of customer satisfaction is 87.20 % and is included in the very satisfied category. This explains that most consumers are very satisfied with the performance of the marketing mix attributes (9P) carried out by the Nako Slipi Coffee Shop in general.

The purpose of this study was to determine and analyze the financial performance of the Village Fund Allocation (ADD) management of Binaka Village Government, Gunungsitoli Idanoi District, Gunungsitoli City based on the ratio of effectiveness and growth ratio. The type of research used in this research is descriptive quantitative research. In this study, secondary data was obtained from the financial reports of Village Fund Allocations in the 2019-2021 APBDes Government of the Binaka Village. Data collection techniques used in this research are documentation and interviews. The results of the study show that the financial performance of the Allocation of Village Funds for the Government of Binaka Village from 2019-2021 based on the calculation of the effectiveness ratio with an average yield of 100% is categorized as effective. Then based on the growth ratio, it experienced negative growth with an average percentage of -5.4%. Keywords: Financial Performance; Effectiveness Ratio; Growth Ratio

Micro, Small and Medium Enterprises (MSMEs) in the Banjaran Unit area of Guwosari District, Bantul, Yogyakarta, which are engaged in the culinary business, became collaborators in this activity. MSMEs have problems in the marketing process which is still very basic and conventional, and lack of understanding of financial records. Thus, the author offers guidance on how to manage digital media effectively, as well as how to create financial reports and business accounts on platforms such as Instagram and Linktree and ledgers as a financial recording site. The technique used is a qualitative approach based on outreach, discussion, and providing instructions on how to register an account on digital media and manage the account. The results of this activity indicate that periodic assistance is necessary so that digital marketing tactics can be used effectively and optimally in assisting marketing efforts and boosting sales to MSME companies. Suggestions were made by the activity implementing team so that more MSMEs would receive assistance on the benefits of digital marketing for their businesses. This will be very helpful in encouraging an understanding of digital marketing regarding the steps taken, creating and managing social media applications more optimally for business development.

This study aims to analyze financial performance based on the company's internal business processes using the balanced scorecard method in various sector companies with the highest capitalization on the Indonesia Stock Exchange which experienced a decline in profits in 2020-2021. This research design is a descriptive applied quantitative research with ASII, BBCA, and TLKM samples. The analytical method used is the Balanced Scorecard Method with four perspectives. The results of the analysis show that ASII 2020 results in a final total score of 50% in the BBB category and unhealthy conditions, ASII 2021 at 57% in the BBB category and unhealthy conditions, BBCA 2020 at 62% in the BBB category and unhealthy conditions, BBCA 2021 by 74% with category A and very healthy condition, TLKM 2020 by 58% with category BBB and unhealthy conditions, and TLKM 2021 by 71% with category A and very healthy condition.

This research was conducted to determine the relationship between discounts, free shipping and impulse purchases moderated by the seller's service. The population in this study were all Generation-Z users of the Shopee marketplace in Yogyakarta using the Smart PLS 3 application. The research sample uses a non-probability sampling technique with purposive sampling method. This study shows a relationship between discounts and free shipping on impulse purchases. In addition, the seller's service is pure moderation between discounts, free shipping against impulse purchases. The reseacrh has limitations that it is to be on a discount, free shipping, seller service, impulse purchases and focus on a Generation-Z that’s avaliable in Yogyakarta. This study will give insight to readers especialy in the field of marketing about the impulsive buying behavior of Generation-Z in the Shopee marketplace with discounts and free shipping as the independent variables, as well as the involvement of seller services as a moderating variable. The difference in this research is to use the seller's service as a moderating variable to find out a deeper relationship between the independent and dependent variables. Using Generation-Z in Yogyakarta which has never been done by previous researchers.

Technological innovation can help a business gain maximum profits. Previous studies have proven that social media is vital for improving performance, but research gaps remain. This research aims to examine the influence of social media on enhancing performance and analyze the moderating role of customer management. The unit of analysis in this research is micro-scale e-commerce businesses in Indonesia. This business is exciting to study because most households in Indonesia depend on this business for their livelihood. This business has also saved the Indonesian economy from recession. The data used in this research is secondary data totalling 11,077 units and was processed using the STATA 17 application. Because the dependent variable in this research is dichotomous, this research uses binary logistic regression analysis. The research results show that social media has a positive effect on performance. However, customer management was unable to moderate the relationship. These findings support the Resource-Based View theory by highlighting the importance of technological innovation in the form of social media, which can be built in such a way as to achieve sustainable competitive advantage and ultimately increase performance. Practically, this research can be a reference for entrepreneurs to optimize the use of social media and improve customer management so that maximum profits can be realized.

The purpose of this study was to examine the effect of corporate strategy on financial performance with capital structure as an intervening variable. The advantage of this research lies in taking the object of the company in the agroindustry sector in the Covid-19 pandemic situation which has not been the concern of researchers. The population is all agroindustry companies, listed in Indonesian Stock Exchange. Data collection technique using purposive sampling method and a total of 52 sample data were obtained with a time span of 2020-2021 which were processed using the multiple regression method. The results show that there is an effect of corporate strategy on capital structure, as well as capital structure that affects financial performance. However, the opposite result is shown by the non-influence of corporate strategy variables on financial performance. Thus, the mediating role of capital structure in the relationship between corporate strategy and financial performance has been clearly proven. The results of this study are able to provide future research recommendations in the form of using variations of company strategies that can have different implications, especially for companies in the agroindustry sector during the covid-19 pandemic. In addition, this study also recommends companies to manage their capital structure optimally to generate value to financial performance. This research will also contribute on the fast growth of literature related to corporate strategy, capital structure, and financial performance as well as the development of agency theory, signal theory and pecking order theory.

A This study was conducted with the aim of assessing the company's performance of PT Kalbe Farma Tbk in the Pre- and during Covid-19 Era by analyzing the Financial Ratio of the Annual Report for the period 2017 - 2021. The type of research used is quantitative descriptive research. The data source used is the Annual Report of PT Kalbe Farma Tbk for the period 2017 – 2021. The results of the study obtained that the company PT Kalbe Farma Tbk in 2019 - 2020 experienced a decrease in terms of liquidity ratio, namely the current ratio, cash ratio, and quick ratio due to an increase in the number of liabilities in the company. Then in terms of the ratio of solavbility (leverage) financial performance on assets and equities to liquidity increased. The activity ratio shows that the company experienced a decrease in fixed asset turnover and in inventory and total assets increased. And for the profitability ratio, the company experienced an increase in ROE and NPM.

The purpose of this study was to determine the effect of brand awareness and perceptions of halal label on purchasing decisions for personal care products among students at the Syiah Kuala University (USK). The research was conducted in July - October 2022. This research used a quantitative descriptive method, using a purposive sampling technique. The number of samples was 100 student respondents at USK who had used Kahf's personal care products. The instrument used is a questionnaire that has been tested for validity and reliability. The analytical method used is the classical assumption test analysis and multiple linear regression analysis. Data processing was carried out using SPSS software program version 25. The research data was normally distributed, and there were no symptoms of multicollinearity and heteroscedasticity. The results showed that brand awareness and perceptions of halal label have a posive and significant effect on purchasing decisions for personal care products, either partially or both simultaneously. Regarding the brand awareness variable, the existence of the product is realized mainly from advertising, easy to find, and because of its variety. Meanwhile, in the halal label perceptions variable, consumers trust the product because of the halal label, the guarantee of halalness and the guarantee of being free from the use of haram ingredients. The results of the coefficient of determination test show that the decision to purchase personal care products can be explained by brand awareness and perceptions of halal labels by 53.3%, while the remaining 46.7% is explained by other variables not examined in this study. Keywords: brand awareness, consumer perception, halal label, personal care, purchasing decisions

The covid-19 pandemic has impacted Indonesia's economic sector, including local revenue from taxes. This study compares the growth rate and contribution of hotel and restaurant taxes to Jombang Regency's original revenue during the covid-19 pandemic and the new normal. This research is a descriptive study using a quantitative approach. The source of data used is secondary data in the form of documentation. Data analysis using growth rate and contribution analysis. This study shows that the growth rate of hotel and restaurant tax revenues during the covid-19 pandemic and the new normal both increased. The contribution of hotel and restaurant taxes to original regional income during the covid-19 pandemic and the new normal increased but was included in the deficient category. This research can complement existing theories, become a reference for taxpayers to be obedient in paying taxes and become a reference for the Jombang district government to increase local tax revenues.

Rice is the main consumption food for Indonesians. The demand for food increased from 114.6 kg per capita in 2016 to 124.89 kg in 2017. However, rice farmers and supply chain actors in rice agribusiness have experienced high challenges, such as production, transportation, price, product quality, and the environment. This research aimed to understand actors involved in the supply chain, their perception of occurring risks, and evaluation and risk mitigation in the supply chain. This was a quantitative descriptive study done purposively in Watugede Village, Singosari Sub-District, Malang Regency. Non-probability sampling was taken to gather primary data. The respondent of this research was 16 involved actors, from on-farm actors to consumers. The data were analyzed using the Fuzzy analytical hierarchy process (FAHP) to provide descriptive risk mitigation strategies. The results show that six involved actors are suppliers, farmers, grinders, traders, and buyers. Each actor faces different risks, and thus, the recommended mitigation strategies are adjusted to their risks. Sharing information, optimizing the level of supply availability, measuring supply chain performance, and building more coordination with the government are the best strategies to mitigate risks.

This paper aims to examine various concepts related to the development of definitions and dimensions of customer relationship management, and to try to develop a comprehensive model of customer relationship management, especially at PT. Bank X. The problems that will be raised in this paper are how to develop concepts, definitions and dimensions of customer relationship management and second, how to develop a model of customer relationship management that can be applied to PT. Bank X. The approach used in writing this paper is a qualitative approach, namely the research method used to examine scientific objects. The academic implication in this paper is that there is a theoretical understanding of the causes of company success and failure in implementing System Application and Processing Customer Relationship Management (SAP-CRM). Meanwhile, the practical implications for this journal are expected to be taken into consideration for business people, especially in the banking services industry in implementing SAP-CRM. The conceptual focus developed in this paper is to examine the dimensions of customer relationship management so that a model that describes customer relationship management in the banking sector can be developed. The original contribution to this journal writing can provide a new perspective on a more proactive CRM.

This study examines coffee shops’ marketing mix and its impact on customer satisfaction and word of mouth (WOM). Also, analyzing customer satisfaction mediates the relationship between the marketing mix and word of mouth. This study used a quantitative approach with 100 sampling of coffee shop’s customers across Malang City. Primary data collection is done by distributing questioner containing several questions using a Likert scale to the respondents, while secondary data is obtained from literature studies. For analyzing the data, this study applied descriptive analysis and statistical analysis employed WarpPLS 7.0 software to perform the Partial Least Squares-Structural Equation Modelling (PLS-SEM) analysis. This study proves that marketing mix has a positive and significant effect on customer satisfaction, and the same relationship was found between the marketing mix and WOM. An important finding from this study is that customer satisfaction plays a mediating role between marketing mix and word of mouth.

In recent years, internet shopping has become a culture to fulfill their needs, goods, and services. Many users of e-commerce services can be a chance to develop new business models, although the users may experience a certain amount of risk associated with their purchase. The purpose of this study is to examine (from a consumer perspective) the main aspects that affecting consumer's repurchase intentions through an e-commerce website. Specifically, the current study investigated the impact of social factors, trust, website quality, and perceived risk on repurchase intentions at Shopee e-commerce by using structural equation model analysis. The population is individual Shopee users in Indonesia. A sample consists of 238 respondents was obtained using the purposive sampling technique. The results indicate that social factors, trust, and website quality do not affect repurchase intentions in e-commerce. In contrast, risk affects repurchase intentions in e-commerce.

The development of digital business and telecommunications has become increasingly rapid, in the last 10 years. The use of digital technology, which is growing rapidly, has also changed the perspective of society as a whole in interacting socially and has even fundamentally changed the industrial sector, especially the banking and financial industry. The presence of financial technology, where the financing process is carried out using digital economic tools known as P2PL (Peer to Peer Lending). The existence of this financing service product is believed to be able to provide a solution to increase the financial inclusion index. Based on these conditions, researchers are very interested in researching and revealing what are the challenges and tips for successful financing processes for SMEs. From the results of this study, it has a contribution to stakeholders in the future related to making decisions on P2PL financing products in particular so that they are better known to the public and successful in their distribution.

Various researchers have been conducted, and the results are mixed, inconsistent, and conducted before era of pandemic. The purpose of this study is to examine the impact of corporate social responsibility disclosure on financial performance in the era of pandemic base on Indonesian context. We use quantitative method using regression analysis. Secondary data have been collected for 36 companies in consumption industry listed in Indonesian Stock Exchange for the period of 2019–2021 which are the challenging years. We measure the disclosure of social responsibility using the global reporting index in the company’s annual report. For financial performance variables, we use return on asset, return on equity and Tobin’s Q, to see the consistency of the result. For the control variables, we use leverage and total asset. We found that corporate social responsibility disclosure consistently has a significant positive effect on return on asset, return on equity and for the value of Tobin’s Q. The corporate social responsibility in this study is assessed using personal judgment based on the Global Reporting Initiative social responsibility disclosure indicators. This proves that especially in the era of pandemic, non-financial information like corporate social responsibility disclosure is very powerful for the succeed of the company in the case of Indonesian context. This research was conducted using period when the company faced crisis that was different from previous economic crisis. Another consideration is about global pressure related to the issue of the impact of climate change. The result of this study will contribute to whether there is consistency in the findings when tested during pandemic crisis compared to the economic situation before pandemic.

Penelitian ini bertujuan untuk menganalisis E-Commerce dan Mobile Marketing berpengaruh positif dan signifikan secara parsial dan stimultan Terhadap Keputusan pembelian produk facial wash NASA di stokist R.2137. Metode penelitian yang digunakan adalah metode deskriptif asosiatif dengan teknik pengumpulan data melalui penyebaran kuesioner. Hasil penelitian menunjukkan bahwa E-Commerce dan Mobile Marketing berpengaruh positif dan signifikan terhadap keputusan pembelian. E-Commerce dan Mobile Marketing merupakan variabel bebas secara simultan memiliki pengaruh terhadap keputusan pembelian. Kata kunci: E-Commerce, Mobile Marketing, Keputusan Pembelian, Covid-19, Natural Nusantara (NASA).

Blitar Police Station is one of the jurisdictions in East Java Province which has participated in securing the Governor's Election in 2018. Security is carried out in terms of managerial human resources, by minimizing the potential of existing security disturbances soas not to develop into real disturbances.The research objective was to analyze the effect of competence and motivation on the performance of members of the Blitar City Police Criminal Investigation Unit in securing the East Java Governor Election in 2018. Quantitative research approaches and survey methods. Data obtained from filling out questionnaires of 56 items by 73 respondents who were sampled. From the results of the analysis obtained a regression equation is Y = 15,028+0,250X1+0,313X2+e ; It was concluded that the competency variable was 0.250 and motivation was 0.313 with a significant value of 0.005 and 0,000 which partially affected the performance of members. Simultaneously, the variables of competence and motivation affect performance by 34.4%. Members can produce good performance if there is support for self-competence and motivation that is formed. This is inseparable from the role of the leader who gives members the opportunity to take part in training education, gives responsibility, maintains positive interactions so as to generate motivation that can spur members to complete predetermined work targets to produce good performance.

The calculation of the cost of production is very important for manufacturing companies considering that one of the benefits of the cost of production is to determine the selling price of the product. There are two methods in determining the cost of production, namely the full costing method and the variable costing method. The purpose of this study is to find out how to calculate the cost of production using the full costing method and variable costing to determine the selling price on CV Starnine. The method in this research is quantitative descriptive method. The research data collection technique is by observation, interview and documentation. The results showed that there were weaknesses in the calculation of the company's cost of production. Based on the comparison between the full costing method and the variable costing method of the company's cost of production, the cost of production according to the full costing method has a nominal value that is higher than the variable costing method. This is because in the calculation of the cost of production the full costing method takes into account all costs incurred by the company while producing both variable and fixed products.

This study aims to find the best model with a combination of macroeconomic variables and micro or internal variables of the bank itself to predict bankruptcy in Indonesian banks, especially state-owned banks represented by BRI Bank as the object of research. This research is a quantitative study using time series data using a regression analysis method where the selected macro and micro variables will be formed as models and tested for later analysis. There are two models used in this study, namely the Grover model and the Zmijewski model. The result of this research is to find an appropriate model to predict bankruptcy using macro and micro variables, and the best after the flow test is Grover's model. The groover model can produce a combination of macro and micro variables in accordance to investigate bankruptcy by proving that the macro variable that affects is the exchange rate, while from the micro side built by LDR, ROA, and company size.

Mushrooms are one of the strategic agro-industrial commodities in Indonesia. It is because the mushroom market share for consumption is very high. People consume mushrooms as a snack, side dishes, and also as a main dish. The mushroom business in Malang Indonesia is very lively, especially in this city, there are many students and employees as consumers who like snacks on the sidelines of their activities. Due to many of those industries, the SME of mushroom needs to increase the production. Leading competitiveness in the product are the factors that must be kept by companies to be successful in their business. This research aims to understand the effect of tangible resources, entrepreneurship orientation, business uncertainty on competitive strategy, and the influence of competitive strategy on the company’s performance. The research uses methods such as quantitative descriptive analysis and inferential (SEM) based on Partial Least Square (PLS). Strategic resources, entrepreneurial orientation, and environmental uncertainty of mushroom small-medium enterprises have a direct effect more than an indirect effect. Strategic resources have the strongest significance if it is compared to entrepreneurial orientation and entrepreneurial uncertainty. Further research is needed to see the effect of competitive strategy on business performance.

This study aims to determine the influence of pressure, opportunity, rationalization, ability on academic cheating behavior of students majoring in accounting both partially and simultaneously. This research uses quantitative research methods with the type of survey research. The analysis technique used in this study is the data quality test, the classic assumption test, multiple linear regression and hypothesis testing using the t test to test the effect of variable X with partial Y variable and F test to test variable X on variable Y simultaneously with significant values 0.05% (5%). Based on the results of the study indicate that the value of the independent variables simultaneously (together) affect the dependent variable, namely academic cheating behavior (Y). Partially, the pressure variable does not have a significant effect on academic cheating, opportunity has a significant effect on academic cheating, rationalization has a significant effect on academic cheating, ability has a significant effect on academic cheating behavior.

Abstract: The purpose of this research was to determine the direct and indirect effect of profitability on firm value using capital structure as a mediator. This involves using panel data from 44 companies listed on LQ45 as of 31st December 2015-2018 and analyzed using the path analysis method including Sobel Test and Bootstrapping technique. The results showed a positive and significant direct effect of profitability on firm value while the indirect effect using capital structure as a mediator between the two variables was found to be negative and significant. Moreover, the direct influence of capital structure on firm value was discovered to be negative and significant while the introduction of profitability variables in the relationship led to a positive and significant influence. Similarly, the direct effect of profitability on firm value using capital structure as the controlling variable was also found to be positive and significant. Keywords: firm value, capital structure, profitability Pengaruh Profitabilitas Terhadap Nilai Perusahaan dengan Struktur Modal Sebagai Mediator Abstrak: Tujuan dari penelitian ini adalah untuk mengkaji bagaimana pengaruh langsung profitabilitas terhadap nilai perusahaan, dan pengaruh tidak langsung melalui struktur modal sebagai mediator. Menggunakan data panel dari 44 perusahaan yang tercatat di LQ45 per tanggal 31 Desember selama periode 2015 sampai 2018. Metode analisis yang digunakan adalah metode analisis jalur (Path Analysis), dengan Teknik Sobel Test dan Bootsrapping. Hasil riset membuktikan bahwa terdapat pengaruh langsung yang positif dan signifikan antara profitabilitas terhadap nilai perusahaan. Namun, jika dilihat secara tidak langsung pengaruh profitabilitas terhadap nilai perusahaan melalui struktur modal sebagai mediator adalah negatif dan signifikan. Selanjutnya, pengaruh langsung profitabilitas terhadap struktur modal adalah negatif dan signifikan. Sementara ketika dikontrol oleh variabel profitabilitas, pengaruh struktur modal terhadap nilai perusahaan positif dan signifikan. Begitu pula dengan pengaruh langsung profitabilitas terhadap nilai perusahaan dengan mengontrol variabel struktur modal juga positif dan signifikan. Kata kunci: nilai perusahaan, struktur modal, profitabilitas

Tujuan penelitian ini untuk menjelaskan pengaruh Loan to Deposit Ratio, Non Performing Loan, dan Biaya Operasional Pendapatan Operasional terhadap Profitabilitas. Penelitian ini dilakukan pada Lembaga Perkreditan Desa di Kabupaten Gianyar pada tahun 2018. Jumlah sampel yang digunakan sebanyak 243 LPD, dengan metode sampling jenuh. Metode pengumpulan data yang digunakan adalah metode observasi nonparticipant yaitu melalui observasi dilakukan terhadap dokumen publikasi data laporan keuangan LPD. Jenis data yaitu data Kuantitatif. Sumber data yang digunakan adalah data sekunder yang diperoleh dari Lembaga Pemberdayaan Lembaga Perkreditan Desa (LPLPD) Kabupaten Gianyar. Teknik analisis yang digunakan yaitu teknik analisis regresi linier berganda. Hasil penelitian ini membuktikan bahwa Loan to Deposit Ratio tidak berpengaruh signifikan terhadap profitabilitas, Non Performing Loan dan Biaya Operasional Pendapatan Operasional berpengaruh negatif dan signifikan terhadap profitabilitas LPD di Kabupaten Gianyar. Kata kunci: loan to deposit ratio, non-performing loan, biaya operasional pendapatan operasional, profitabilitas

Customer satisfaction is one of the important assessment indicators that cannot be ignored in every service activity, especially in the business world, which is centered on service activities, one of which is the banking world. In this study, we try to focus on assessing the satisfaction of banking services obtained by students of the University of Muhammadiyah Malang in the administration of lecture payments. This research is explanatory using quantitative data obtained with primary data through the distribution of questionnaires distributed to students who happen to be at the location and are conducting transactions. The sample used was 50 students taken accindental. By using the SERVQUAL approach and CARTER dimension methods to then be analyzed using the ordinary panel data regression method to find out which of the 6 dimensions have the most powerful influence on the assessment of service satisfaction obtained by students.

A start-up business is a business that is 0 to 42 months, starting with the discovery phase, the firm emergence phase, the baby-business phase, to the operating phase. Start-up businesses do not all last more than 42 months. The purpose of this study is to predict the financial factors that cause business failure. This study uses five financial ratios in predicting failure with student businesses, namely activity ratios, cash flow ratios, solvency ratios, liquidity ratios, and profitability ratios. The population of this study is student start-up businesses. The sample in this study is a business that has survived for at least two semesters and has documented financial reports. This study uses logistic regression in the SPSS application as an analytical tool. The results showed that the activity ratios, liquidity ratios, and profitability ratios had a significant effect on the failure of student businesses. Abstrak Bahasa Indonesia Bisnis start-up merupakan bisnis yang berusia nol hingga 42 bulan, dimulai dari tahap discovery phase, firm emergence phase, baby-business phase, hingga operating phase. Bisnis start-up umumnya tidak semua bertahan setelah 42 bulan. Tujuan dari penelitian ini adalah untuk memprediksi faktor keuangan yang menyebabkan kegagalan bisnis. Penelitian ini menggunakan lima rasio keuangan dalam memprediksi kegagalan dengan bisnis mahasiswa, yaitu rasio aktivitas, rasio arus kas, rasio solvabilitas, rasio likuiditas, dan rasio profitabilitas. Populasi dari penelitian ini adalah bisnis start-up mahasiswa. Sampel dalam penelitian ini adalah bisnis yang bertahan minimal selama dua semester dan memiliki laporan keuangan yang terdokumentasi. Penelitian ini menggunakan regresi logistik pada aplikasi SPSS sebagai alat analisis. Hasil penelitian menunjukkan rasio aktivitas, rasio likuiditas, dan rasio profitabilitas berpengaruh signifikan terhadap kegagalan bisnis mahasiswa.

Penelitian ini bertujuan untuk menguji pengaruh country of origin terhadap keputusan pembelian produk otomotif melalui nilai terpersepsi sebagai variabel mediasi. Produk baru yang berasal dari negara dengan stereotif negatif karena pengalaman masa lalu menghadapi tantangan besar untuk dapat memperoleh respon positif dari konsumen. Model struktural diuji untuk memvalidasi apakah country of origin relevan dalam pengambilan keputusan pembelian konsumen terhadap produk dengan keterlibatan tinggi seperti produk otomotif. Model struktural berisi variabel eksogen country of origin, variabel mediasi nilai terpersepsi, dan variabel endogen keputusan pembelian konsumen. Responden penelitian dipilih dengan menggunakan metode non-probability sampling dan teknik purposive sampling. Responden adalah sembilan puluh pemilik dan konsumen dari tiga tipe produk otomotif Wuling. yang terlibat dalam survei dengan mengisi kuesioner terstruktur. Alat analisis data menggunakan structural equation modeling partial least squares (SEM-PLS) yang terdiri dari dua tahap: pengujian model pengukuran dan pengujian model struktural. Hasil penelitian menunjukkan bahwa nilai terpersepsi secara parsial memediasi hubungan country of origin dan keputusan pembelian konsumen.

Prior studies intensively rely on lifestyle segmentation to investigate the patterns of purchase and consumption decisions. However, the literature does not specifically relate lifestyle profiles with the types of consumer decisions (i.e., purchasing vs. consumption decisions). Therefore, this research analyzed the issue by surveying 626 residents of Salatiga city, Indonesia, as the participants through self-administered questionnaires. By analyzing the data with factor, cluster, and chi-square analysis, this paper demonstrated that purchase decisions (i.e., the choice of brand name and country of origin) are not associated with lifestyle segments, while consumption decisions differ among the segments. Meanwhile, lifestyle is more likely associated with enduring (i.e., consumption decisions) than occasional behaviors (i.e., purchase decisions) such as the purchase of a mobile phone and its related services.

High consumer purchasing intentions are one of the factors that support the success of a business. In this digitalization era, the delivery of information through social media is one way to support the success of a business. The requirements that must be met in the delivery of such information are the quality of information, the credibility of information, the need for information, the attitude to information. Good, credible, needed information and good audience attitude support on information will provide usefulness and be adopted by the audience as a reference for their purchase decision making.This research was conducted with the aim of knowing: 1) The influence of information quality, credibility of information, need for information, and attitude on information to the usefulness of information.2) The effect of the usefulness of information on the adoption of information, and. 3) Influence of attitude on information and adoption of information on purchase intention. The study was conducted on 150 respondents. Data collection method using questionnaire and data measurement mentode using Likert scale. The method of data analysis used is regression analysis. The results provide tangible evidence that: 1) The quality of information, the credibility of information, the need for information, and attitudes to information have a significant and positive influence on the usefulness of information. 2) The usefulness of information has a significant and positive influence on the adoption of information, and. 3) Attitudes on information and the adoption of information have a significant and positive influence on the intention of purchase. Keywords: Information Quality, Information Credibility, Need for Information, Attitude to Information, Usefulness of Information, Adoption of Information, Purchase Intention.

Tujuan penelitian ini adalah untuk mengetahui peran moderasi status kepegawaian pada hubungan job insecurity dengan komitmen organisasional Pegawai Badan Pertanahan Nasional Kabupaten Badung. Penelitian ini menggunakan sampel sebanyak 72 orang, yang terdiri dari 36 orang pegawai tetap dan 36 pegawai kontrak, dengan metode probability sampling dengan menggunakan teknik proportionate stratified random sampling. Pengumpulan data dilakukan melalui wawancara dan kuisioner. Teknik analisis yang digunakan adalah analisis deskriptif, Anova dan MRA (Moderate Regression Analysis). Hasil penelitian ini menunjukkan bahwa job insecurity berpengaruh negatif dan signifikan terhadap komitmen organisasional pegawai. Status kepegawaian berpengaruh positif dan signifikan terhadap komitmen organisasional pegawai. Efek moderasi status kepegawaian memperlemah pengaruh job insecurity terhadap komitmen organisasional pegawai. Kejelasan status kepegawaian harus diperhitungkan oleh suatu organisasi, hal ini akan menjadi acuan yang kuat untuk menurunkan rasa job insecurity dan tentunya meningkatkan komitmen organisasional yang akan memberikan peningkatan kinerja pegawai. Kata kunci : status kepegawaian, job insecurity, komitmen organisasional

Development strategy of human resource management for millennial generation is a step purposed at producing superior individuals who have characteristics and abilities that can compete and have a sale value that can be relied on either in a company or organization. The purposes of this study was to answering the formulation of problems regarding the characteristics of millennial generation related to work culture and human resource development strategies for millennial generation. The research method used descriptive qualitative by library research or literature study. The results of this study prove that the strategy being carried out is a way to improve the ability of every individual likes a training responsibility, intensive learning, behavior modification, immediate information, learning practice and patterns. Supporting sustainable factors are ability, motivation and opportunity.

The growth of the Islamic economy is currently growing rapidly. This can be seen from the number of Micro, Small, and Medium Enterprises (MSMEs) that adopt the principles of Islamic business. Sharia MSME is a means of creating jobs and encouraging economic progresses, and advancing private sector businesses. The emergence of many new entrepreneurs who adopted the sharia system in Aceh becomes a great opportunity as a center for sharia products. Not only sharia products, Sharia MSMEs more broadly include the application of the Islamic financial system, including culture, entertainment, lifestyle, and tourism. The need for Aceh's flagship products wrapped in nuances of Islamic principles is still very limited in Aceh. It becomes an obstacle to make Aceh as a tourist destination with Islamic principles. The number of embroidery craftsmen is still less compared to the number of requests. This condition is based on the work that is still traditional and has not used a computerized machine yet. The limitations of human resource capabilities often become obstacles for using technology, production processes, and business development. The increase in sharia tourism will have a positive impact on the improvement of sharia MSMEs. This can be seen from the level of creativity, knowledge, and marketing according to tourist demand. The purpose of this study was to determine whether there is a significant influence of creativity, knowledge, and marketing to the improvement of Islamic MSMEs. This research has been conducted with questionnaires for the entrepreneurs’ MSMEs of embroidery products in Aceh. The results of this study indicate that createvity, knowledge, and marketing simultaneously influence the improvement of sharia MSMEs. Partially, creativity and knowledge variables do not influence the improvement of sharia MSMEs, while marketing affects the improvement of sharia MSMEs significantly.

Profitability is a very important element for a business or company. Profitability ratios are usually used to see how the effectiveness and efficiency of a business in the use of venture capital. The factors that affect the level of profitability in this study are the cost of production, production, sales and profits. This research discusses how to compare the profitability of organic and inorganic rice farming. The analysis was conducted on 13 samples of organic rice farmers and 30 samples of inorganic farmers domiciled in Lombok Kulon Village, Bondowoso Regency. This study uses two types of profitability, namely Net Profit Margin (NPM) and Return On Capital Employed (ROCE). The test uses the Independent sample t-test and the Mann Whitney Test, depending on the results of the normality test data. The test results show that there are differences in the level of profitability of organic rice farming and inorganic rice farming. The test results with the statistical difference test also showed that there were significant differences in the comparison of the profitability levels in the two agricultural systems. Thus it can be concluded that there are significant differences in the level of profitability of Net Profit Margin (NPM) and Return On Capital Employed (ROCE) in organic and inorganic rice farming systems. Keywords: Profitability Ratio, NPM, ROCE, Organic Rice and AnOrganic Rice.

Food processing agro-industry is a creative industry which immensely contributes to economic development, employment, and Gross Domestic Product (GDP) in Indonesia. Competitiveness is a combination of successful inside and outside of Small Medium Enterprise. Thus, this research aims to 1) get an overview related to the SME food sector and its competitiveness, and 2) understand the influence of entrepreneurial marketing and government policy to Tempe (soybean-cake) chips SME’s competitiveness by using Structural Equation Model (SEM) toward MEA 2025. This quantitative research is using 64 soybean cake chips entrepreneurs as a sample purposively. Data analysed with Entrepreneurial Marketing concept in 7 dimensions, and SEM PLS to understand the relation between the important factors in developing SME market. The result shows that the government policy is insignificant, influential policy but the effect is inconsiderably significant because there is actually technological assistance which is not targeted yet. Regarding capital, the craftsmen prefer using their owned-capital. The entrepreneurs expected for focusing on the service quality, raising the selling price while maintaining the quality, and innovating their business to have a different character than competitors. Good relationships with consumers must be maintained so that loyalty customer can achieve.

Customer loyalty is very important in a very tough business competition because loyalty will benefit the company's long-term development. To get customer loyalty, companies need to do the right marketing strategy so that it can affect customer loyalty. The purpose of this study is to analyze the influence of advertising, sales promotion and service quality on customer loyalty at Bank Jatim Indonesia, Branch of Dr. Soetomo Hospital Surabaya. The population in this study was 2,155 customers, the number of samples using the Slovin formula was 96. The data analysis technique used was multiple regression analysis. The research results are: 1) There is an influence of advertising on customer loyalty at Bank Jatim Branch of Dr. Soetomo Hospital Surabaya, 2) There is an influence of sales promotions on customer loyalty at Bank Jatim Branch of Dr. Soetomo Hospital Surabaya, 3) There is an influence of service quality on customer loyalty at Bank Jatim Branch of Dr. Soetomo Hospital Surabaya, 4) There is an influence of advertising, sales promotion and service quality simultaneously on customer loyalty at Bank Jatim Branch of Dr. Soetomo Hospital Surabaya, 5) Among the variables of advertising, sales promotion and service quality, the sales promotion variable has a dominant influence on customer loyalty at the Bank Jatim Branch of Dr. Soetomo Hospital Surabaya.

Introduction: This study aims to determine how much the effect of economic growth and demographic conditions on the crime rate in East Java Province. This study is using secondary data for 6 years from 2013-2018. Methods: The data analysis method used in this study is panel data regression analysis method with the Fixed Effect Model (FEM) approach. The dependent variable used in this study is the crime rate, while the independent variables are economic and demographic growth, which includes population density and the number of poor people. Results: Based on the results of this study, it can be concluded that economic growth has a positive but insignificant relationship to the crime rate in East Java Province. Population density has a positive and significant relationship to the crime rate in East Java Province. Meanwhile, the number of poor people has a negative and significant relationship with the crime rate in East Java Province. The results of the study also show that economic growth, population density and the number of poor people have an effect and significant relationship on the crime rate in East Java Province. Conclusion and suggestion: This needs an equitable distribution of income and empowerment of human resources through improving educational facilities and infrastructure as well as skills so that productivity and community income increase. In addition, it is necessary to have equitable development and the provision of employment opportunities in each region so that population density is not concentrated in one or several areas.

Introduction: Penelitian ini ingin membuktikan apakah pengungkapan informasi keberlanjutan dan modal intelektual adalah informasi yang bersifat voluntary atau sukarela diharapkan dapat meningkatkan kinerja perusahaan, yang telah dilakukan oleh beberapa peneliti sebelumnya. Kinerja perusahaan dapat ditinjau dari beberapa aspek, namun penelitian ini berfokus pada pencapaian nilai kapitalisasi pasar, dan harus didukung dengan adanya mekanisme tata kelola perusahaan yang baik. Hal ini dikarenakan konsep pengungkapan sukarela merupakan kesadaran dan juga kepekaan dari para pemegang saham perusahaan, yang juga menyangkut kelangsungan hidup perusahaan. Methods: Penelitian ini dilakukan pada BUMMN di Indonesia dengan periode penelitian tahun 2009-2012. Results: Hasil penelitian menunjukkan bahwa pengungkapan informasi laporan berkelanjutan dapat memengaruhi nilai kapitalisasi perusahaan, sedangkan pengungkapan modal intelektual tidak. Untuk pengaruh moderasi, dapat dilihat bahwa hampir semua mekanisme tata kelola perusahaan yang terdiri dari kepemilikan manajer, kepemilikan pemerintah, komisaris independen, komite tata kelola perusahaan, komite audit tidak dapat memperkuat hubungan pengungkapan laporan berkelanjutan terhadap nilai kapitalisasi pasar. Conclusion and suggestion: BUMN yang terdaftar di Bursa Efek Indonesia harus melakukan reformasi tata kelola perusahaan agar mampu meningkatkan nilai kompetitifnya di pasar modal.

This study aims to analyze the factors that influence the export activity in the ASEAN region countries such as Indonesia, Singapore, Thailand, Malaysia, Philippines and Vietnam during 2001 - 2016 by using annual data. The factors that influence gross domestic product (GDP), interest rate, foreign direct investment (FDI) and exchange rate. The method used in the research is panel Vector Error Correlation Model (PVECM). The results show that Gross Domestic Product (GDP) negatively affects the current account in the short term. The interest rate variable negatively affects the current account in the long term. The Foreign Direct Investment (FDI) variable negatively affects the current account in the long term. Furthermore, the exchange rate variable negatively affects the current account in the long term.

Dalam penelitian ini metode analisis data yang digunakan adalah analisis regresi linier berganda. Pengujian hipotesis dilakukan dengan uji statistik yaitu uji simultan ( Uji F) dan uji parsial ( Uji t). Populasi dalam penelitian ini sejumlah 304 perusahaan manufaktur yang sudah dan masih terdaftar di Bursa Efek Indonesia periode 2012-2015. Teknik pengambilan sampel yang digunakan adalah purposive sampling dan diperoleh sampel sebanyak 8 perusahaan. Analisis hasil regresi berganda dilakukan setelah model tidak mengalami gejal-gejala asumsi klasik seperti normalitas, multikolineatitas dan heteroskedastisitas. Hasil penelitian menunjukkan bahwa Debt to Equity Ratio dan Return On Asset secara simultan berpengaruh signifikan terhadap Dividend Payout Ratio. Variabel lain dalam penelitian ini secara parsial yaitu Debt to Equity Ratio tidak berpengaruh terhadap Dividend Payout Ratio. Secara parsial Return on Asset berpengaruh signifikan terhadap Dividend Payout Ratio.

The policies arranged by the government of the Republic of Indonesia in the efforts to develop rural areas and border areas, such as North Sulawesi (which is in the border of Indonesia-Philippines), is interesting to observe, particularly on the aspect of financial inclusion in Small and Medium Enterprise (SME). The research aims at examining the determinant and obstacles of financial inclusion in North Sulawesi. The results show that Age and Gender do not significantly influence financial inclusion, especially with the dependent variable of formal account. Meanwhile, other variables, the status of formal account and the Automatic Teller Machine (ATM) cards, do not have significantly influence. Similarly, education has also dependent variables. The difference is the determinant of the dependent variables. The number of formal account and the ATM significantly influence the financial inclusion, but not the model of the status of the formal account. For the obstacles, there are six factors influencing the financial inclusion. Those are lack of business management, bad experience with the bank, less supporting business condition, religion and family, and various documents of credit requirements.Keywords: Financial Inclusion, Determinant, Obstacles, SMEJEL Classifications: E44, G2, G32

Tujuan penelitian ini adalah untuk menganalisis pengaruh iklim organisasi, disiplin kerja, dan kepemimpinan terhadap kepuasan kerja pegawai Dinas Tenaga Kerja dan Energi Sumber Daya Mineral Provinsi Bali. Populasi penelitian ini adalah seluruh pegawai tetap Dinas Tenaga Kerja dan Energi Sumber Daya Mineral Provinsi Bali. Pengambilan sampel menggunakan teknik sampel jenuh, dimana seluruh populasi penelitian dipilih menjadi sampel. Jumlah pegawai tetap Dinas Tenaga Kerja dan Energi Sumber Daya Mineral Provinsi Bali sebanyak 75 orang, sehingga jumlah sampel yang digunakan adalah sebanyak 75 orang. Data yang dikumpulkan dianalisis dengan regresi linear berganda. Hasil analisis menunjukkan Iklim organisasi, disiplin kerja, dan kepemimpinan berpengaruh positif dan signifikan terhadap Kepuasan kerja pegawai Dinas Tenaga Kerja dan Energi Sumber Daya Mineral Provinsi Bali. Semakin baik iklim organisasi, semakin tinggi sikap disiplin pegawai dan semakin baik kepemimpinan di Dinas Tenaga Kerja dan Energi Sumber Daya Mineral Provinsi Bali maka akan semakin meningkatkan kepuasan kerja yang dirasakan pegawai.