Technology and Business Model Innovation: Challenges and Opportunities

COVID-19 delivered economic difficulties and triggered a decrease in financial resilience. Workers are one of the affected parties. This study aims to measure financial stability and identify and analyze the effect of demographic characteristics such as age, gender, type of work, and income on the economic resilience of Muslim workers in South Jakarta. This research is quantitative research using multiple linear regression analysis methods. The purposive sampling technique and the Lemeshow equation were used to determine the sample size, with the criteria being the workforce, Muslim, and working or having worked in the South Jakarta area during the COVID-19 pandemic. The financial resilience framework consists of four categories: economic resources, financial products and services, financial knowledge and behavior, and social capital, which measure financial resilience. Of the 85 respondents, all experienced low economic strength. Gender does not significantly affect Muslim workers’ financial stability, while age, type of work, and income significantly affect financial resilience. However, simultaneously, all variables affect the high and low economic strength of Muslim workers in South Jakarta during the COVID-19 pandemic. With low financial stability, people must learn to increase financial productivity to be more optimal in dealing with difficult situations. Future research is expected to be able to measure economic resilience with more factors such as optimism or a mortgage owned with a much larger area.

Covid-19 has caused severe economic shock in many countries. Many companies have failed during the pandemic, showing the unpreparedness of current supply chains for disruption and unexpected environmental changes. This research aims to identify risks that may occur and evaluate risks along with identifying mitigation action plans for the printing SME supply chain during the pandemic. Therefore, this study determines three indicators for assessing the company risks using Failure Mode and Effect Analysis. The theoretical implications of this research are identifying 16 risk events and 23 risk agents with the highest Risk Priority Number of 576. Also, six main risk agents are found based on the 80/20 Pareto principle. The managerial implications of this study are (1) Applying the principles of Supply Chain Risk Management to determine the supply chain risk management using the compiled risk management framework in Word and Excel; (2) Production managers can monitor supply chain risks regularly to determine the appropriate managing efforts by risk conditions in the future; and (3) Improving customer relations is the proposed risk management strategy.

Numerous scholars have conducted studies on the conventional financial cycle, yet there is a lack of scholarly discourse on the distinct Islamic financial cycle. However, Islamic finance plays a significant role within a nation’s economic framework, particularly in regions with a predominantly Islamic population. This study integrates variables from Islamic banking, the Islamic capital market, and macroeconomics, covering the period from 2009 to 2022. The research employs the MSVAR methodology to identify and analyze transitions between distinct regimes. The findings indicate that the duration of the deceleration regime phase is longer than the accelerated regime phase, lasting approximately 9 years versus 5 years. Furthermore, the study reveals that the six variables examined significantly impact Indonesia’s economic growth, with each variable displaying a unique response to shocks.

Migrant remittances remain a critical contributor to the economic growth and development of many emerging nations like Nigeria. The feasibility study would be useful for financial institutions, migrants, social workers, families, government and non-governmental organizations interested in migrant remittances and home improvement and financing. The study will provide vital information on how the remitted money could be used for housing development and other investment needs that can lead to greater domestic and economic development outcomes across Nigeria. This study utilized the descriptive research design on the field survey involving Nigerians in diaspora involved in various fields of endeavour across different countries. The responses from the study were examined using descriptive statistical analysis as derived from the responses generated through the questionnaires administered on Nigerian emigrants and representatives of randomly selected financial institutions as respondents of the study. The findings suggest a correlation with the survey findings elicited by 78% of respondents willing to utilise diaspora mortgages as a preferred means of home acquisition. The findings with regards to funding needs also aligns with the responses, where 92% and 78% of respondents agreed/strongly agreed that lack of access to mortgage and high interest rates were major factors from their perspective that impacts access to home acquisition and financing in Nigeria. Remittances can have a strong impact on development at both the macro and micro levels, especially because of its multiplier effects when directed to economic activities like housing development and construction. To ensure that remittances are also directed to support housing finance, some recommendations have been made, in order to address the concerns with information asymmetry, it is important to create platforms that increase the accessibility of vital information to Nigerians in the diaspora.

This study aims to explore hospitality students’ intentions toward entrepreneurial activities. The study examines the influence of modeling, entrepreneurial education, financial support, and students’ satisfaction with their major on their entrepreneurial intentions through the mediation of self-efficacy. A questionnaire was developed and distributed to hospitality students in three public universities in Jordan. A total of 246 valid responses were received. SEM was employed in this study to analyze the data through Smart-PLS software. The results demonstrated that students’ self-efficacy positively related to their entrepreneurial intentions. Furthermore, modeling and students’ satisfaction with their major were associated positively with self-efficacy, and self-efficacy mediated the influence of modeling and students’ satisfaction with their major on students’ entrepreneurial intentions. Conversely, entrepreneurial education and financial support were not significantly associated with self-efficacy; thus, there was a rejection of the proposed mediation of self-efficacy in the relationship between entrepreneurial education and financial support as an exogenous variable and entrepreneurial intentions as an endogenous variable. This study contributes to the discussion on what encourages students’ entrepreneurial intention, particularly in the hospitality field as there is a lack of studies regarding this vital topic.

Minimalism in agribusiness represents a paradigm shift in the way we approach farming and food production. Its emergence can be traced back to a growing global awareness of the ecological and social challenges associated with traditional agricultural practices. As consumers demand more sustainable and transparent food systems, the agribusiness sector has undergone a transformation, integrating minimalism principles to enhance supply chain efficiency and promote sustainable practices. This paper titled “Minimalism in Agribusiness: Efficient Supply Chains and Sustainable Practices” explores the impact of adopting minimalism practices, technology integration, and sustainable agriculture on supply chain efficiency and alignment with sustainable practices. By employing a mixed-methods approach, we gather data from a diverse sample of 122 agri producers and 186 intermediaries across the supply chain. Our findings reveal that minimalism practices, technology integration, and sustainable methods significantly influence supply chain efficiency. Larger agribusinesses, specific locations, and market demand also play pivotal roles. This research contributes to understanding the holistic relationship between minimalism and agribusiness, paving the way for a more sustainable and efficient future.

The objective of this research paper is to assess the effectiveness of advertisements that specifically target soft drinks in the urban context of Bengaluru. The study aims to examine the impact of these advertisements on consumer perception, brand awareness, and purchase behavior. A quantitative research approach will be employed, utilizing a structured questionnaire survey to collect primary data from residents of Bengaluru who consume soft drinks. The sample will be selected using a combination of probability and convenience sampling methods. The collected data will be analyzed using descriptive and inferential statistics to draw conclusions and make recommendations regarding the effectiveness of the advertisements. The findings of this study will contribute to the understanding of the effectiveness of targeted advertisements in the soft drink industry and provide insights for advertisers, marketers, and policymakers in developing effective advertising strategies for this specific market segment.

External debt provides the necessary capital to the government for its economic activities. If the borrowed funds are not utilised properly for asset building activities it would definitely increase the burden of repayment on the government. This research focused on understanding the movement and the growth rate of the foreign debt of India over the years from 2000 till 2022. For this purpose, the statistical information was collected from the RBI and the World Bank Group. In order to know the trend of the various elements of India’s external debt; Percentage Analysis was calculated. Ratio of external debt to Gross Domestic Product, short as well as long-term external debt as a ratio of total external debt of India was done. Cross correlation was determined to assess the degree of correlation; the outcome confirmed that GDP and foreign debt are directly proportionate to each other and are highly positively correlated too. The conclusion showcased that external borrowings will increasingly and positively affect economic growth if debts are managed judiciously and are invested in self-liquidating developmental projects.

The farm-to-table concept, especially when infused with minimalist principles, has sparked a culinary revolution. This study explores the farm-to-table concept, especially when enriched with minimalist principles, as a transformative force in the culinary world. Farm-to-table practices represent a fundamental shift in sourcing, preparing, and enjoying food, underlining the direct and sustainable relationship between consumers and local agriculture. The study traces the historical evolution of this concept, from its counterculture roots in the 1960s to the emergence of iconic establishments like Chez Panisse and the global influence of the Slow Food movement. It highlights how the movement expanded in the early 2000s, emphasizing sustainability and community engagement in the mid-2000s and beyond, now encompassing a global dining phenomenon, influencing farmers’ markets, community-supported agriculture programs, and households. Minimalist farm-to-table practices further enhance this approach by emphasizing local sourcing, seasonal menus, minimal processing, sustainable agriculture, transparency, and community involvement. The study addresses a research gap by examining how these minimalist practices influence consumer satisfaction and preferences compared to traditional dining. Findings indicate strong positive correlations between key farm-to-table factors and consumer satisfaction, as well as a substantial impact on consumer preferences for locally sourced and seasonal foods. The study suggests that embracing these practices can benefit both restaurants and consumers, enhancing dining experiences and supporting local, sustainable agriculture. In summary, minimalist farm-to-table practices have the potential to revolutionize modern dining while strengthening consumer connections to local food sources.

People invest their money in various ventures assuming that it will increase in value over time. For investors seeking to allocate their savings amount to projects that benefit the environment, a green deposit will be the best choice and is a fixed-term deposit. The investments are made through green deposits in industries like sustainable waste management, sustainable water management, green mobility, green buildings, aquatic biodiversity conservation, pollution control, etc. Every working women try to invest a portion of their income in savings. Indian women always have inbuilt preference towards gold ornaments over many centuries but in recent times, their thinking process towards investment has been changed. Women started exploring for other forms of investment like green deposits to protect the environment and society that helps future generations also to get benefit from the nature. Hence, the present study was undertaken to identify the perception level of working-class women towards green deposits. Age, education, monthly income, environment consciousness, cost effectiveness, convenience and social responsibility are the variables considered in this study. The findings of the study revealed that the perception of working women have been significantly influenced by factors such as environment consciousness, cost effectiveness, convenience, and social responsibility.

Businesses drive economic growth and offer excellent employment opportunities, but Peruvian legislation sets retirement at 70 for men and 65 for women. Because of the greater mental and physical effort required to master new technologies, productivity declines accordingly. However, little academic work has addressed this issue. The study involved 218 workers over 50 years of age who completed the Occupational Stress Questionnaire (OSQ) and the Perceived Work Capability Questionnaire (WTQ), both previously validated for content validity by a panel of six experts, with trust measured using Cronbach's alpha. Spearman's Rho = -0.763 and a P-value of 0.00** indicate that the no normal distribution can be assumed for two variables, as determined by a Kolmogorov-Smirnov normality test. Older workers in the service sector show a moderately unfavorable correlation between job stress and performance.

Tourism service providers have historically utilized Self-Generated Content (SGC) throughout history to promote their products through traditional media. However, with the advent of social media in the past decade, marketers have shifted their preferences to user-generated content (UGC) over SGC, which positively impacts organizational performance. Prior to the emergence of social media, marketers created innovative marketing strategies through marketing mix elements. This approach known as “co-creation” has garnered attention from both marketers and academia. Social media is an excellent platform for attracting stakeholders to participate in co-creation. While there is growing interest in using social media in tourism marketing and its benefits, there is limited understanding of the development and issues of social media marketing (SMM) through co-creation. This study aims to fill this research gap by comparing co-creation scenarios before and after the implementation of SMM in tourism, using a narrative literature review and exploratory research design. The paper discusses the key dimensions of tourism marketing through co-creation, including the types of stakeholders and the impact of social media on business performance.The study suggests that marketers should strengthen co-creation processes in social media marketing to benefit tourism service providers. The study’s main finding indicates that co-created social media marketing positively impacts the performance of tourism businesses, but this relationship can be hindered by various crises at any given time. To address this, a framework was developed with co-creation as the guiding principle, which serves as a conceptual foundation for future research and is relevant for designing, marketing, and engaging in smart tourism marketing.

Consumers are the gods of the business and their behaviour is most important in Marketing including in FMCGs. A lot of factors influence the buying behaviour of the consumers in the globalized markets. Wants and Needs are changed often in the day-to-day lives of the consumers. The contribution of Fast Moving Consumer Goods to the national GDP is significant. As a result, finding the changes in the behaviour of consumers toward FMCGs is unavoidable. This study aims to examine the purchasing behaviour of the consumer towards Fast Moving Consumer Goods based on the Age, Gender, Education, and Occupation of the respondents in Thanjavur District in the state of Tamilnadu.

The aim of this study is to assess the relationship between leadership effectiveness and organizational innovativeness with respect to age and gender. Data was collected from 25 employees working in various sectors in India. The Leadership Effectiveness Scale and Organizational Innovativeness Scale were used for data collection. SPSS21 software was employed for data analysis. The results indicated a positive correlation between leadership effectiveness and organizational innovativeness. Furthermore, there were no significant differences in leadership effectiveness and organizational innovativeness concerning age and gender. Future research could explore this topic on a larger scale to provide deeper insights into leadership effectiveness in the Indian context. Additionally, internal organizational studies could replicate this research to examine the impact of leadership decisions within specific organizations.

For Ukraine, foreign sales of agricultural raw materials and food industry products are traditionally the main source of income, providing the lion’s share of total export revenues. In recent years, the product structure of our external supplies has been very clearly formed, which is not too diversified, but finds its consumer in all corners of the planet. One of the important regions where there is a stable demand for Ukrainian food is Africa. Despite the lower turnover of trade with them compared to the markets of the European Union and Asia, Africa in many ways does not have a full-fledged alternative. This is based both on the specifics of the demand of local sales markets, and on various exotic products that it offers to the Ukrainian consumer due to the impossibility of their production in our natural and climatic conditions. At the same time, due to the greater geographical distance of African countries, trade with them is more sharply affected due to the application of restrictions, both during the COVID-19 pandemic and in the event of force majeure, in particular, the war in Ukraine. There is a significant dependence of the results of export and import of agri-food products on the intensity of trade operations with Egypt, some countries of North Africa and others. Until now, we do not have signed and functioning bilateral agreements on free trade zones. In general, the region is characterized by high instability in the socio-economic plan, the presence of constant risks for the organization and conduct of business activities. There is a noticeable difference between different subregions of the continent in the levels of economic development and income of the population. In contrast to such factors, Africa is recognized by many experts as the most promising and fast-growing part of the world, offering interested parties a number of interesting opportunities. Therefore, the need for a more detailed study of the region, especially regarding the potential of agricultural trade with Ukraine, is becoming increasingly urgent.

This research seeks to identify the critical success factors for sustainable infrastructure project delivery. It will focus on 18 infrastructure priority areas framed into three categories which are energy and environment, people and communities, and connections. The successful delivery of infrastructure projects presents a unique set of challenges that must be addressed to ensure the sustainability and success of infrastructure construction projects. The research will help define the true nature of the challenges and potential for change to help close the infrastructure deficit gap. Furthermore, this research will explore the various cross cutting factors such as skills and human capacity, energy efficiency and environmental sensitivity, state of existing infrastructure, accessibility, climate change adaptation, governance and ownership that contribute to the successful delivery of infrastructure projects. This study identifies and discusses the essential components and critical project management success factors for sustainable infrastructure (CPMSF) that may help ensure the successful completion of the project. This paper forwards the framework that has been provided for this investigation.

Tax avoidance is a form of tax planning. The methods and techniques used for tax avoidance involve exploiting weaknesses in the tax laws and regulations themselves order to reduce the amount of tax payable. Several factors influence tax avoidance, namely profits, debt, company size, company risk and tax loss compensation. The main method of conceptual research is literature review. The author will analyze and synthesize relevant literature to develop a deeper understanding of a concept or theory. The conclusion of this study is that tax avoidance factors such as profit, debt and company size do not have a significant influence on tax avoidance. However, tax avoidance factors such as business risk and tax loss compensation are found to have a significant influence on tax avoidance. The expected implication is that investors and governments can better understand the tax avoidance acts carried out by the Company, so that they can make the right decisions.

Effective project management requires a proficient and knowledgeable team to optimize resource utilization and maintain effective coordination and communication with project stakeholders. While hard skills, such as quality and cost management, remain crucial, the importance of soft skills is on the rise, especially in the context of teamwork, problem-solving, and relationship-building. In this study, the author investigates the impact of soft skills training, including communication, problem-solving, decision-making, and teamwork skills, on the performance of employees engaged in oil and gas projects in Yemen. Data were collected through survey questionnaires distributed to 208 employees working on these projects in Yemen. Subsequently, the data were analyzed using PLS-SEM. The analysis results revealed significant correlations between training in communication, problem-solving, and teamwork skills and both employee performance and project performance. However, the findings did not indicate a substantial positive connection between decision-making training and employee performance. These empirical findings validate the influence of soft skills training on employee performance, emphasizing the importance of providing such training, especially for those employed in Yemeni oil and gas projects.This study is organized into several sections to provide a coherent structure. It begins with an introduction that outlines the research objectives and the context of the study. The subsequent sections delve into the literature review, methodology, conceptual framework, findings, analysis, limitation and conclusion.

This study aims to analyze the relationship between organizational learning and organizational innovation and their impact on marketing agility within the express delivery service industry in Indonesia. Specifically, we aim to identify which factor has the most significant influence on marketing agility, considering the dynamic nature of the industry characterized by frequent market changes and evolving customer expectations. To achieve our research objectives comprehensively, we will employ a quantitative research approach that involves the active participation of owners and managers from reputable express delivery service providers in Indonesia. Data analysis will be conducted meticulously using specialized software for structural equation modeling (SEM), with the methodology employing partial least squares (PLS). The analytical framework will be extensively utilized to establish the study's conceptual foundations. This research is expected to yield empirical findings that contribute to a better understanding of marketing agility, potentially enhancing its description and measurement in the current literature. The research offers both theoretical and practical guidance for business owners and managers, enabling well-informed decision-making, ultimately benefiting the express delivery service industry.

The awareness and attention towards environmental issues from both scholars and practitioners are currently raising due to the numbers of detrimental impact of organizational activities toward the environment. This study aims to provide an integrative framework and offer new propositions on of how environmental performance can be achieved by integrating emerging theories in strategic management such as natural resource-based view (NRBV) and stakeholder theory. We attempt to identify the factors that can lead to environmental performance by considering the role of stakeholder pressure, green human resource management, and enabler of green culture. Through this study, we advance the strategic HRM literature by providing a framework that integrates existing studies and theories, offering new explanations of how firm can translate pressures from stakeholders into positive outcomes such as higher environmental performance.

This study aims to investigate the influence of intellectual capital, capital structure and company size on company value in Indonesia. The research investigated 147 state-owned companies listed on the Indonesia Stock Exchange (IDX) during 2016 to 2022, based on purposive sampling method. For this study, the data analysis included descriptive statistical analysis, assumption testing and multiple linear regression using SPSS 25. The results of hypotheses testing prove that intellectual capital (VAIC) and capital structure (DER) have a positive and significant effect on the value of the Company. However, the size of the Company (SIZE) has negative significant results on the value of the company.

This study aims to analyze the customer engagement and value-proposition in influencing the visitor experience to ensure they will become a loyal visitor. The study focuses on the visitor experience at Borneo Convention Center Kuching (BCCK). The researcher uses quantitative methods by distributing as many as 384 questionnaires to individuals in Sarawak who have visited BCCK. The results of this questionnaire form can help collect data to analyze using SPSS to meet the needs of the study. With this study, the researcher can know whether these factors influence visitors’ overall experiences. Additionally, it can also help parties involved with the management of BCCK, especially in developing the Customer Experience framework, to improve their visitor totality of cognitive, affective, sensory, and behavioral consumer responses during all stages of the consumption process, including pre-purchase, consumption, and post-purchase stages for the services provided by BCCK.

This study seeks to investigate the underlying motivations behind budgetary changes at the regional government level and whether budget variance and fiscal stress are the principal determinants of such alterations in regencies and cities throughout Indonesia. The sample for this study includes 224 regencies and cities in Indonesia, selected through purposive sampling from a total population of 514. The results indicate that budget variance and fiscal stress significantly influence budget changes, whereas revenue variance are not a driving force for budget changes within the regional governments of Indonesian regencies and cities.These results suggest that the government, as the executive authority responsible for budget execution, tends to maximize budget allocations for expenditures. Empirical evidence shows that Regional Budgets are consistently structured with budget allocations reaching the maximum threshold, resulting in a balanced budget without surplus or deficit. Conversely, the magnitude of revenue variance from the preceding fiscal year is not a reason for regional governments to initiate changes to their budget allocations. Furthermore, a high level of fiscal stress is a driving factor behind budget changes in regional governments. These research findings have profound implications and recommendations for regional governments in policy formulation and resource allocation in the Regional Budgets to reduce the magnitude of regional expenditure variance. It also serves as a practical guide for budget changes to lower fiscal stress levels within the Regional Budgets, aiming to reduce the budget deficits in the actual budget realization reports.

This paper explores the issue of budget deficit in the early days of Islam, particularly during the era of the Prophet Muhammad and his companions. The paper reviews the literature on this topic and analyses the sources and uses of public revenues and expenditures, as well as the situations where the Islamic state faced deficits and how they were financed. The paper identifies four instruments of financing deficits that were used in the early days of Islam: public loans, paying Zakah in advance, setting up a reserve fund, and paying Altawzif (taxes)2. The paper analyzes the conditions and rules that govern each instrument and compares them with the modern concepts of budgeting and taxation. The paper concludes that the early Islamic state had a streamlined and flexible budget system that was able to cope with various challenges and achieve economic and social objectives.

Zamil offers various job satisfiers for employee job satisfaction, but it remains unknown whether these satisfiers are aligned with what their employees consider important for job satisfaction. This study is designed to ascertain which satisfiers are present at Zamil and which satisfiers the employees believe are critical for increasing their job satisfaction at Zamil. This research employs a quantitative approach using positivist research philosophy. An online survey was conducted with the employees of Zamil; 120 valid responses were analyzed. The findings show that job security, meaningful work, respectful treatment of all employees, and opportunities to utilize skills and abilities were significant contributors to job satisfaction. Feeling safe in the work environment and opportunities to use skills and abilities were especially significant factors. The study’s implications are far-reaching for both Zamil’s management and human resource management in general, emphasizing the need to prioritize job security, meaningful work, respectful treatment, and skill utilization to increase overall job satisfaction. Implementing these findings into their HR practices could foster higher job satisfaction, leading to enhanced organizational performance.

Effective inventory management is essential for ensuring the smooth operation of production processes and reducing costs associated with ordering and holding inventory. This paper presents a practical approach for inventory management of polymers in the packaging industry, aiming to address the key challenge faced by companies in this sector. The research, conducted through a qualitative research methodology and interviews with four key managerial personnel from a packaging company, provides valuable insights into current inventory management practices. It proposes a practical approach that includes implementing an inventory policy, studying cycle service level, assessing the impacts of demand forecasting, and considering suppliers’ lead times on inventory policy. By specifically focusing on the packaging industry and the unique challenges associated with managing inventory for polymers, this study contributes to the existing literature on inventory management in the manufacturing industry. The findings offer valuable insights for practitioners in the packaging industry seeking to enhance their inventory management strategies and processes.

Investors are individuals who have a diversity of personalities, goals and risk tolerance. Investors' behavior is influenced by psycho-social factors such as personality, emotions, environment, and culture. This paper aims to 1) explore behavioral finance theory through psycho-social approaches, 2) build a theoretical framework through clustering and 3) map the development of the topic. The method used is SLR through the Scopus database from 2009 to 2022. The Keywords used are Characteristic OR Financial Literacy OR Social Media OR Demography AND Investment Decision AND Investment Behavior. The search results show that 27.2% of the 66 articles filtered classified into business, management, and accounting, while 26.1% were categorized into economics, econometrics, and finance. India is the most widely used country as the object of research, with as many as 25 articles or 37.88% of all research subjects. The main theoretical framework with an average similarity of 4.13% is the corpus "information," then "social" (2.58%), "literacy" (2.48%), and "behavior" (2.14%). We conclude that research with a personality-based approach is less published. This topic can be elaborated by researchers in the future to complete the theoretical framework and help investors or financial managers choose a portfolio that suits the personality.

This research delves into how the price and quality of Mixue products affect the likelihood of people from the millennial generation, who are fond of Mixue products, to make a purchase. We selected a group of 85 individuals through purposive sampling. We gathered data using questionnaires, interviews, and observations, and we made sure the data was reliable and valid. We subjected the collected data to various statistical tests, including classical assumption tests, multiple linear regression analysis, F tests, t tests, and determination of the coefficient of determination. The results show a significant and positive connection between both the price and quality of Mixue products and the intention to buy them. In conclusion, this study highlights that price and product quality are crucial factors that influence people's decision to purchase Mixue products.

This research investigates whether the speed and quality of innovation play a mediating role in the connection between knowledge creation (KC) and the performance of rural banks in Bali, Indonesia. Data for the study were gathered through a questionnaire distributed to managers of rural banks in Bali. The analysis was conducted at the organizational level, and the dataset encompassed responses from 102 rural banks. The data underwent analysis using Structural Equation Modelling with Partial Least Squares (SEM-PLS). The results reveal that both KC and the speed and quality of innovation exert significantly positive influences on organizational performance. Additionally, KC demonstrates a substantial positive impact on the speed and quality of innovation. The study also indicates that the speed and quality of innovation partly mediate the effect of KC on organizational performance. In practical terms, this research offers valuable insights for rural bank managers in Bali, highlighting the benefits of continuing to prioritize knowledge creation, as it enhances organizational performance and empowers organizations to innovate swiftly and effectively. This research is notable for its exploration of the mediating role of innovation speed and quality in the relationship between knowledge creation and organizational performance in rural banks in Bali, Indonesia.

Indonesia is currently working on enhancing its infrastructure to foster economic and social growth. Infrastructure covers areas such as energy, transportation, telecommunications, and non-building construction. Ongoing innovations are focused on improving accessibility and connectivity across Indonesia, including in remote regions and small islands. The infrastructure development was affected by the COVID-19 pandemic in 2019, leading to the postponement of many construction projects and a decline in economic activity. This situation is likely to influence investor confidence and, consequently, the evaluation of companies. This study aims to investigate the impact of profitability and liquidity on a company's value, with a particular focus on the role of dividend policy as an intervening factor. The study examines infrastructure companies operating between 2019 and 2021, specifically those listed on the Indonesia Stock Exchange (IDX). The study employed purposive sampling, selecting 15 companies based on predefined criteria. The research relies on secondary data from the Indonesian Stock Exchange (IDX) website. To analyze the data, the study utilizes path analysis within a Structural Equation Modeling (SEM) framework, assisted by Partial Least Squares (PLS) through SmartPLS version 4.0 software. The results reveal that profitability has a significant and positive impact on a company's value, while liquidity also exerts a significant and positive influence on company value. Furthermore, profitability indirectly affects a company's value through its impact on dividend policy, and liquidity likewise indirectly impact on a company's value by influencing its dividend policy.

The main aim of this study is to investigate how financial knowledge, financial behavior, and financial attitude affect the financial performance of small and medium-sized enterprises (SMEs) in the culinary industry located in Denpasar City, Bali. The research specifically focuses on SMEs within Denpasar City. The study used a purposive sampling method, which involves nonprobability sampling techniques, to select a representative subset of the population, resulting in a sample of 94 respondents. Data analysis was carried out using path analysis in SPSS version 23, employing a two-step regression analysis approach. The research results indicate that financial knowledge, financial behavior, and financial attitude each have a positive and significant impact on the financial performance of SMEs in the culinary sector.

The primary objective of this study is to explore how innovation can act as an intermediary factor within the framework of entrepreneurs’ competency strategies, contributing to the enhanced growth of Small and Medium Enterprises (SMEs) operating in the Silver Crafts industry in Celuk Village, Gianyar Regency, Bali. To assess the proposed model, a survey questionnaire was employed to gather data from the Celuk Village Silver Craft Company situated in the Gianyar Regency of Bali, Indonesia. Data analysis encompassed the use of path analysis techniques to assess and confirm the research hypotheses. The study provides valuable insights and practical implications, emphasizing the significance of entrepreneurs continually improving their competence in shaping business strategies and fostering a culture of openness to innovative approaches to stimulate business growth. This empirical study is unique and uncommon, as it investigates the mediating role of innovation in the relationship between strategic competency and business growth within the specific context of the Silver Crafts industry in Celuk Village, Gianyar, Bali.

The COVID-19 pandemic has had a profound impact on all aspects of people's lives. Beyond health concerns, the economy is one of the areas that has been significantly affected by the pandemic, leading to job losses and reduced incomes for many workers. Among the economic sectors that have been affected, the food and beverage (F&B) industry has faced challenges in adapting to the economic downturn. In this context, digital marketing through social media has emerged as a crucial tool for business owners to maintain sales, especially in the context of social distancing measures. Brand awareness is also vital for business optimization, and social media marketing and brand awareness are believed to be key factors influencing customers’ purchase intentions. This study employs a descriptive qualitative approach, and sampling is conducted through the purposive sampling method. The research findings highlight the effectiveness of social media, particularly platforms like Instagram, in combination with brand awareness, in enhancing purchase intentions. These insights can be valuable for entrepreneurs looking to develop their businesses and inform their future strategies.

Despite the challenges posed by the Covid-19 pandemic, the food and beverages industry have the potential for positive growth. However, it faces intense competition due to similar target markets and brand marketing strategies aimed at providing the best consumer experience. Therefore, this study seeks to examine the relationship between Product Experience and Brand Trust in influencing Customer Loyalty, both individually and collectively. The research employs a quantitative approach and gathers data from 142 individuals who have consumed frozen food products in Bali. Online questionnaires were used for data collection, employing a purposive sampling method, and the analysis was conducted using SPSS. The findings reveal that Product Experience has no significant impact on Customer Loyalty, with a value of 0.215 and a t-count of 1.942 (less than the t-table value of 1.97705). On the other hand, Brand Trust partially affects Customer Loyalty, with a value of 0.568 and a t-count of 7.702 (greater than the t-table value of 1.97705). However, when Product Experience and Brand Trust are considered together, they collectively have a positive and significant impact on Customer Loyalty, with a significance value (F) of 0.000 (less than the significance level of 0.05).These results can be valuable for companies and frozen food business owners looking to enhance their competitive edge and maintain customer loyalty.

The global environmental crisis has prompted citizens worldwide to adopt eco-friendly lifestyles and has given rise to various environmental movements and businesses within communities. One such movement is the zero-waste concept, which has also evolved into a business model. However, this concept exhibits several shortcomings and doesn’t entirely align with the preferences of Indonesian consumers. Nevertheless, zero-waste stores have started emerging in Indonesia, particularly in Bali, with over 37 such stores nationwide, including seven in Bali, all embracing the zero-waste approach. Consequently, local consumer engagement has been on the rise. This suggests opportunities for local consumers to patronize zero-waste stores and facilitate the growth of this concept. The objective of this study is to identify the factors influencing purchasing decisions at zero-waste stores, using a quantitative methodology and the confirmatory factor analysis technique, with a sample of 80 respondents. The study analyzes various consumer behavior variables and marketing stimuli, encompassing eight sub-variables with 16 indicators. The findings reveal that only 15 indicators could be effectively analyzed, resulting in the identification of five key factors that influence consumer purchasing decisions in zero-waste concept stores which are social influence, promotion and product, quality, location, and economic circumstances.

This study was conducted to explore the impact of effective corporate governance and corporate social responsibility (CSR) disclosure on a company's value, with firm size serving as a moderating variable. Additionally, data provided by the Indonesia Stock Exchange (IDX) is readily accessible via the website www.idx.co.id . The study encompassed 72 businesses in the Food and Beverage subsector, indexed on the IDX from 2017 to 2021. Sample selection for this study employed purposive sampling, where specific criteria and considerations were used to determine the sample. According to these criteria, 100 companies from the Food and Beverage subsector between 2017 and 2021 were included in the study. Panel data regression analysis using STATA 16 was the primary research technique employed. Based on the findings, this study concludes that effective corporate governance has a favorable impact on a company's value, and CSR disclosure also affects a company's value. Moreover, the size of the firm mitigates the influence of effective corporate governance on firm value, and it similarly mitigates the impact of CSR disclosure on firm value.

The objective of this research was to investigate the following aspects: (1) how work engagement affects employees’ inclination to switch jobs; (2) the impact of job satisfaction on employees’ desire to change jobs; (3) the role of the superior-subordinate relationship in influencing employees’ job change intentions; (4) how the desire to change jobs influences employee resignations; (5) the connection between work engagement and employee resignations; (6) the relationship between job satisfaction and employee resignations; and (7) the effect of the superior-subordinate relationship on employee resignations. This research was carried out at a hospital in Denpasar City and employed a quantitative research approach. Data sources included both primary and secondary data. The study’s sample consisted of healthcare workers, including doctors, nurses, midwives, analysts, and pharmacists, from a private hospital in Denpasar, totaling 83 individuals. Data was collected using a questionnaire, and data analysis was performed using the Partial Least Square (PLS) method. The findings from this study revealed that (1) work engagement had a significant negative impact on employees’ inclination to change jobs; (2) job satisfaction negatively affected employees’ desire to switch jobs; (3) the quality of the superior-subordinate relationship had a negative influence on employees’ intention to change jobs; (4) the desire to change jobs had a positive and significant effect on employee resignations; (5) work engagement had a negative and significant impact on employee resignations; (6) job satisfaction also had a negative and significant influence on employee resignations; and (7) the superior-subordinate relationship had a negative and significant effect on employee resignations.

Social media has become part of the lifestyle in sharing information, interaction, and discussion between communities. Through a good content marketing strategy, brand awareness can grow for a product. This study aims to identify and analyzes the application of content marketing strategies in building brand equity for clothing brands and determine brand equity mix efforts in increasing consumer buying interest in shopping online. This research uses a qualitative method, using a purposive sampling technique to determine informants consisting of clothing business owners, content creator staff, and consumers. The results of this study are the implementation of the strategy used through the social media platform TikTok which can build value from the brand equity of the clothing business. Efforts to mix brand equity in increasing consumer buying interest have implemented brand awareness, brand association, perceived quality, and brand association, to increase consumer buying interest in shopping online.

The global impact of the Covid-19 pandemic, affecting countries worldwide, including Indonesia, has resulted in significant fluctuations and a general decline in currency exchange rates, thereby impacting the world economy. Companies engaged in international business operations have had to take measures to navigate these challenges, and one such measure is making financial decisions, particularly related to hedging. This study seeks to investigate the influence of a company’s profitability and its ability to meet short-term liabilities (liquidity) on their decision to engage in hedging. The research relies on quantitative data, specifically secondary data sourced from the financial reports of manufacturing companies listed on the Indonesia Stock Exchange during the COVID-19 pandemic from 2020 to 2021. The findings reveal that profitability does not significantly affect a company’s decision to hedge, while liquidity has a notable negative impact on such decisions. In conclusion, during a pandemic context, companies facing difficulties in meeting short-term liabilities tend to prioritize risk reduction by employing hedging techniques.

The aim of this study is to assess the individual and combined influences of income, financial literacy, and financial inclusion on investment intentions. The study involved a sample size of 100 participants and employed various data analysis techniques, such as validity testing, reliability testing, classical assumption testing, multiple regression analysis, coefficient of determination examination, model feasibility assessment, and t-tests. The findings reveal several key relationships: income and financial literacy both significantly and positively affect investment intentions; financial inclusion has a noteworthy positive impact on investment intentions as well as income, and investment interest plays a significant role in driving investment intentions. Collectively, these independent variables account for 54.9% of the variation in investment interest. Thus, it is recommended that the residents of Gianyar to allocate a portion of their income for future investments and consider attending investment seminars regularly to enhance their investment knowledge, while also making prudent use of the available investment options.

In many developing countries export earnings account for a large percentage of the country Gross Domestic Product (GDP), government revenues and expenditures and public investment. High dependency on a limited number of commodities for export increases the economy vulnerability to price fluctuations in the global markets. Not only instability in export earnings reduces the ability of the economy to finance development, but also increases uncertainty about future growth. Economic diversification underscores the importance of productivity growth to balance development and reduce dependency on international markets.The new economy, driven by digital technologies could help developing countries diversify output and foster economic growth. Building capacity for digital development enhances the country capabilities to promote innovation, create knowledge and disseminate information. Digital networks increase communication as well as allow people, regions and nations to collaborate and share information aiming at fostering growth and sustaining development. For developing countries, external knowledge enhances the economy readiness to diversify output, create employment opportunities and improve global competitiveness.

The Jepun Kuta Bali Hotel has taken proactive measures to combat COVID-19 in Bali. This includes implementing a novel work system that involves reduced salaries and adjusted employee hours. The introduction of this new work system is expected to impact employee performance and loyalty during the COVID-19 pandemic at the Hotel Jepun. To assess this, the study employed a descriptive qualitative research approach, involving field research through interviews and documentation. The findings revealed that the new work policy, which entailed reduced salaries and modified working hours, had a positive influence on both employee performance and loyalty. Despite these adjustments, the company continued to provide employee benefits through bonuses earned from guest services. The company’s decision to implement this policy was not solely profit-driven but also considered the well-being of its employees. The opportunities presented by this company had a notable impact on enhancing employee performance, as employees felt highly supported and, in turn, were motivated to deliver their utmost in terms of quality and responsibility. Moreover, the availability of a work-from-home option, a comfortable work environment, and supportive colleagues all contributed to creating a favorable impression on individual employees. This, in turn, allowed employees to enhance their knowledge, insights, and skills, both directly and indirectly.

In Bali, women are tasked with multiple roles that extend beyond being homemakers and supporting their husbands. They shoulder three distinct roles, encompassing their responsibilities in the workplace, their duties within the family, and their role in religious customs and traditions. In this research relations between work-family conflict, ostracism, emotional exhaustion, and work attitude were investigated quantitatively. The discussion leads to the conclusion that the dual role challenge, examined in this study through the work-family conflict experienced by Balinese women juggling three distinct roles, significantly influences the level of stress they experience. Consequently, it can be asserted that the outcomes of work-family conflict, ostracism, and emotional exhaustion are likely to result in a negative work attitude.

Sanur tourism area as an international tourism area in Denpasar City, Bali, suffered a reduction of tourist arrivals due to the COVID-19 pandemic. Many SMEs located in this area were affected by this pandemic, one of them being the culinary business. These businesses were facing revenue decline and some even bankruptcy. However, we now live in the post pandemic era, where SMEs are re-establishing and aiming for regrowth. This study finds that access to finance as a part of financial inclusion may impact SMEs growth by allowing businesses to reach accessibility of financial services from financial institutions to provide financial support and achieve sustainability. Hence, this study aimed to analyze the impact of financial inclusion through access to finance towards SMEs growth in the culinary sector and how financial literacy moderates the relationship between financial inclusion and SMEs growth using a quantitative method.

In the 21st century, the global economy has experienced a surprising shift, marked by an increasing focus on sustainability. Millennial entrepreneurs have acknowledged the necessity of addressing social and environmental issues and have responded to this changing landscape by embracing green business initiatives. Nevertheless, these entrepreneurs confront substantial challenges stemming from external risks associated with green enterprises. To investigate these challenges, this research employed a qualitative approach, involving semi-structured interviews that combined both organized and unstructured elements to comprehensively explore the subject. The study identifies eight pivotal factors that hinder the success of green businesses led by millennial entrepreneurs. These factors encompass the absence of clear industry policies for green enterprises, a deficiency in technical knowledge related to green practices, a short-term investment mindset resulting in limited financial support, negative evaluations from experts and within the realm of social media, a lack of external pressures promoting sustainability, unfavorable shifts in the external business environment, constraints in aligning business capabilities with sustainability objectives, and flawed business models. Furthermore, researchers have recognized that the inherent characteristics of millennial entrepreneurs also contribute to shaping these factors. The findings highlight the critical influence of these eight factors on the challenges encountered by green businesses, shedding light on how millennial attributes affect the ultimate success or failure of such ventures.

Lack of professional skepticism by auditors can lead to fraudulent and inaccurate financial reporting, which can result in substantial loss and reputational damage to the company. Thus, the purpose of this study is to understand how professional skepticism affects auditors’ ability to detect fraud by identifying these factors (auditor's experience, independence, and competence). In this study, 16 Certified Public Accountant (CPA) firms in Bali province were analyzed by means of a questionnaire survey. The findings suggest that auditor experience (0.000 sig. <0.05), independence (0.011 sig. <0.05), and competence (0.001 sig. <0.05) have a considerable beneficial effect on their ability to detect such fraud. There is a strong beneficial effect in moderating the association between auditors’ independence and auditors’ capacity to detect fraud (t-value: –2.152), in addition to professional skepticism as a moderating variable. On the other hand, professional skepticism adversely affects the link between auditors’ experience and competence in their ability to detect fraud. These findings point to the importance of bridging audit expectation gaps. Therefore, leaders of accounting firms must realign the goals of the workplace organization with the organization's professional goals, paying particular attention to skepticism.

The issuance of Government Regulation in Lieu of Law No. 2 of 2022 regarding Job Creation represents a notable change in the title of Village-Owned Enterprises (BUMDes). Previously classified as business entities, BUMDes are now redefined as legal entities. This transformation carries significant implications for village governance, presenting a range of opportunities and challenges. The objective of this study is to examine and assess the importance and outcomes of BUMDes transitioning into legal entities. In this research, a qualitative normative legal approach was employed, utilizing primary, secondary, and tertiary legal sources obtained through literature reviews and document analysis. Two distinct research approaches were adopted in this article: the statutory approach and the conceptual approach. The study's findings can be summarized as follows: the reclassification of BUMDes as legal entities is intended to clarify their ability to effectively enhance economic management at the village level. Following the enactment of the Job Creation Regulation, BUMDes acquired legal status similar to a Limited Liability Company (PT). This new status is also on par with State-Owned Enterprises (BUMN) nationwide and Regional-Owned Enterprises (BUMD) locally. This change has resulted in a) Adjustments in the position and organizational structure of BUMDes; b) Enhanced authority to engage in collaborations with other entities; and c) The capacity to secure loans and financial resources.

Corporate social responsibility encourages companies to mingle and do community service to be able to help the community in overcoming existing problems. Social responsibility is also an indicator of the assessment of investors to invest in a company. Banjar Ambengan cooperates with PT Indonesia Power for community empowerment and helping the community to obtain new sources of income. The purpose of this study was to determine the process of Collaborative Governance as a form of corporate CSR by empowering the community. The method used is descriptive with a qualitative approach. So that we get the result that PT Indonesia Power together with Banjar Ambengan succeeded in establishing Serati Yadnya Shanti by going through the Collaborative Governance, resources become a supporting component and limited information as a barrier.

Bali, a highly favored tourist destination, has encountered significant challenges in adapting to the evolving global tourism industry. The onset of the Covid-19 pandemic particularly impacted the culinary sector, which had been a top choice for tourists after the allure of Bali's natural and cultural attractions. Numerous culinary entrepreneurs and restaurant owners worldwide were compelled to temporarily close their establishments, with some even facing bankruptcy, including restaurants in Bali. This study has three primary objectives: (1) to examine the operational characteristics of restaurants in Bali's urban, rural, and seaside regions; (2) to pinpoint the factors distinguishing the operational features of restaurants in rural and seaside tourist areas from those in urban areas during the new normal era; and (3) to develop operational strategies that restaurant industry managers should adopt across these three destination types in the new normal era. The study's findings highlight distinctions in the characteristics of restaurants in urban, seaside, and rural areas, including differences in (1) the primary consumer segment, (2) community behavior, (3) operational status (limited or temporarily closed), (4) sales volume, (5) peak times and days of guest visits, and (6) restaurant ownership.

Slum tourism stands apart from traditional tourism in that it diverges from the usual focus on appealing scenery, instead offering an unfiltered look at poverty within a region. It represents an unconventional and contemporary tourism model that turns urban poverty into a tourist attraction. This study employed a qualitative approach, primarily aiming to depict the participants’ experiences. The findings reveal that slum tourism in Kampung Akuarium delivers diverse benefits to the community, both directly and indirectly.