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Mergers and acquisitions have served as a primary strategy for global banking consolidation over the past three decades, including in Indonesia, which is currently undergoing one of its most massive consolidation waves—one notable example being the emergence of Bank Syariah Indonesia. This article aims to provide a narrative review of the literature on the operational impacts of mergers on bank performance, with a particular focus on implications for the Indonesian context. Based on a systematic search of the Scopus database, 52 peer-reviewed articles published between 2000 and 2025 were analyzed using a narrative thematic synthesis approach. Five main themes were identified: cost efficiency, service quality, risk management, human resource and cultural integration, and information systems and technology integration. The key findings indicate that although 73.1% of studies report post-merger improvements in cost efficiency, these benefits are highly contingent upon the quality of post-merger integration especially in the areas of human resources, organizational culture, and information technology with IT integration failure rates reaching as high as 75%. Domestic mergers consistently achieve efficiency gains more rapidly than cross-border mergers, whereas risk implications depend heavily on the type of merger and the quality of integration. Policy implications include the need for the Financial Services Authority (Otoritas Jasa Keuangan) to monitor post-merger integration quality, provide integration guidelines for smaller banks, take into account the specific characteristics of Islamic banks, and ensure a streamlined, non-burdensome licensing process. Further research particularly empirical studies on banking mergers in Indonesia—is urgently needed to test the generalizability of global findings to the local context.

This study aims to analyze the influence of price and product quality on purchasing decisions for personal care products manufactured by PT Mandom Indonesia Tbk. The topic was chosen in response to increasingly intense competition in the cosmetics industry, along with a decline in sales performance of several Mandom products, which highlights the need for the company to better understand key factors affecting consumer purchasing behavior. The research employed a quantitative approach using a survey method. Primary data were collected through questionnaires distributed to 100 respondents who use Mandom products, selected through purposive sampling. Prior to analysis, the research instruments were tested for validity and reliability to ensure the accuracy and consistency of the data. The data were then analyzed using multiple linear regression techniques. The results indicate that price has a positive and significant effect on purchasing decisions and is the most dominant influencing factor. This finding suggests that consumers place strong emphasis on the suitability between price and perceived benefits when making purchasing decisions. Product quality also shows a positive and significant influence, although its effect is relatively smaller compared to price. Simultaneously, price and product quality explain a portion of the variation in purchasing decisions, while other factors outside the study also contribute. Based on these findings, PT Mandom Indonesia Tbk is advised to prioritize competitive pricing strategies while consistently maintaining product quality to enhance purchase intentions and strengthen consumer loyalty.

This study analyzes the opportunities and challenges in implementing digital payment systems to enhance the productivity of Micro, Small, and Medium Enterprises (MSMEs). In the era of growing digital transformation, the adoption of cashless transactions has become a crucial innovation to improve efficiency and competitiveness among MSME players. The findings indicate that the use of digital payment platforms such as QRIS, bank transfers, e-wallets, and card-based e-money offers several advantages, including faster payment processing, reduced risk of calculation errors, and the minimization of counterfeit money usage, which remains an issue in some regions. However, the implementation of digital payments still faces various obstacles on the ground. Certain sectors of MSMEs continue to rely heavily on cash transactions, especially in remote areas where internet connectivity is limited. Furthermore, many business owners still prefer conventional payment methods due to concerns over trust, security, and deeply rooted habits. Demographic factors also influence the level of digital payment adoption. Younger generations tend to be more adaptive to digital technologies, whereas older business owners are generally less familiar and comfortable with using digital devices. These findings suggest that in order to fully leverage the benefits of payment digitalization among MSMEs, strategic efforts are needed. These should include the improvement of digital infrastructure, widespread education and awareness programs, and the development of applications tailored to the specific needs and characteristics of each business sector. Collaboration between the government, financial institutions, and digital service providers is essential in creating an inclusive and user-friendly digital payment ecosystem. By addressing technical barriers and bridging digital literacy gaps, the implementation of digital payments holds significant potential to drive operational efficiency and sustainably boost the productivity of MSMEs.

This study aims to determine the effect of compensation and benefits on employee job satisfaction. Fair, adequate, and transparent compensation is considered a crucial factor influencing employee morale, loyalty, and retention. The study identifies seven key indicators to measure the impact of compensation on job satisfaction: salary adequacy, compensation fairness, punctuality of payments, compensation system transparency, incentives and bonuses, overall compensation satisfaction, and employee retention. The analysis results show that compensation has a significant influence on job satisfaction. Additionally, compensation effectiveness is affected by economic conditions, compensation system structure, and the relevance of compensation to employee needs. The study concludes that well-designed compensation can be a strategic tool for improving performance and reducing employee turnover.

Investment interest in electric vehicles (EVs) in Indonesia remains relatively low despite its great potential to support the transition to clean energy. This study aims to analyze the influence of government incentives, price value perception, and environmental awareness on investment interest in electric vehicles. This research uses a quantitative approach with a survey method involving 120 respondents in the Jabodetabek area. The data were analyzed using multiple linear regression with the help of SPSS. The results show that all three independent variables—government incentives, price value, and environmental awareness—have a significant effect on investment interest, both partially and simultaneously. Among these factors, environmental awareness has the most dominant influence. The instruments used were proven valid and reliable, and the regression analysis met all the classical statistical assumptions. These findings indicate that policy support, perception of long-term benefits, and environmental concern are important factors in increasing public interest in investing in clean energy-based vehicles. This study is expected to serve as a reference for the government and industry players in designing strategies to develop the electric vehicle market in Indonesia.

PT PLN (Persero) UP3 Binjai is one of the PLN units that supply electricity to the community. Digital services launched by PLN in the form of PLN Mobile continue to be developed to meet customer needs and satisfaction as well as ease of access. The purpose of this study was to determine the development of efficient customer service through the use of PLN Mobile in UP3 Binjai. The literature review method is used to collect research data by using literature studies to collect materials from books and scientific journals regarding the use of PLN Mobile. From the results of the study, the PLN Mobile application provides benefits for the UP3 Binjai community to find solutions to customer electricity problems, ranging from applying for new electricity installations, checking bills, switching power, responding to complaints and power outages, to purchasing electricity tokens. However, there is a weakness, namely when customers check their bills, customers cannot see information on how much Rupiah is charged, only the month billed. This PLN Mobile application will also have a positive impact on customers and PLN employees because it is more efficient and saves time and energy for customers and employees in resolving customer complaints.

This research investigates the implementation of Customer Relationship Management (CRM) in the Micro, Small and Medium Enterprises (MSME) and startup sectors. Through a qualitative approach, data was collected from a number of MSMEs and startups to analyze the factors that influence the adoption and success of CRM implementation. The findings show that limited resources, lack of knowledge about the benefits of CRM, and dependence on technological infrastructure are the main challenges in adopting CRM systems. However, CRM has also been found to have great potential in increasing customer retention, developing more suitable products, and expanding into new markets. Practical implications of these findings include recommendations for appropriate resource allocation, employee training, and more effective digital marketing strategies. The contribution of this research lies in a deeper understanding of CRM implementation in the context of MSMEs and startups as well as practical guidance for improving business performance through effective CRM strategies.

Night markets have long been a popular place to do food business, and one of the trending products is grilled octopus. To optimize this business potential, implementing a digital business strategy has become key. This journal presents a brief overview of how digital business is used to market grilled octopus at night markets. The application of digital business in marketing grilled octopus at night markets involves various aspects. First of all, outlet owners can take advantage of technology by creating an official website for their outlet. This website not only serves as a platform to display menus and store locations, but also as a tool to communicate with potential customers. Social media also plays an important role in marketing. By managing accounts on platforms such as Facebook, Instagram, and Twitter, outlet owners can share product images, customer reviews, and promotional information. Apart from that, email marketing is also an effective strategy. Collecting customer email addresses and sending them information about special offers, discounts, or new menu items can increase customer engagement. Joining popular food delivery apps such as GrabFood or GoFood also helps in expanding customer reach, especially if the grilled octopus outlet does not yet have a physical presence in the location. Although implementing a digital business has clear benefits, there are also challenges that need to be overcome. Intense competition in night markets requires outlet owners to create creative and different marketing. Additionally, adequate online management is the key to success, and outlet owners may need to train themselves or obtain technical support to manage their digital assets. In conclusion, the implementation of digital business has had a positive impact in marketing grilled octopus at night markets. However, outlet owners need to be aware of the challenges that may arise and try to continue to improve their strategies in facing increasingly fierce competition in the digital world.

Investment is important in helping to increase the growth and development of a country. The total ratio of investors in Indonesia in 2022 is 2.2%, this ratio is still lagging behind when compared to other countries. Students are in the spotlight for the Indonesia Stock Exchange to become young investors in the capital market. The Indonesia Stock Exchange (IDX) has done several things to increase investment interest in universities by establishing several collaborations and organizing programs such as opening an Investment Gallery. This study aims to determine the effect of investment knowledge, investment benefits, investment motivation, minimum investment capital and investment return on investment interest in the capital market. The results of this study are that simultaneously investment knowledge, investment benefits, investment motivation, investment return and minimum capital have a positive effect on investment interest. Partially, investment knowledge, investment benefits, investment return and minimum capital have a positive effect on investment interest, while the investment motivation variable has no effect on investment interest. The ability of these 5 variables to influence investment interest is shown in the adjusted R square value of 53% and the rest can be influenced by other variables outside of this study

The purpose of this research is to analyze the effect of performance benefits and interpersonal communication on employee performance with career satisfaction as a mediating variable. The population in this study were all employees of the Regional Secretariat of Batang Regency, totaling 114 employees. The number of samples taken in this study were all members of the population using the census method. The data processed after distributing the questionnaires were 101 bundles. Methods of data analysis using regression analysis and data processing using SPSS. The results of hypothesis testing show that performance allowances have a positive and significant effect on career satisfaction, so it can be interpreted that the better the performance allowances, the higher career satisfaction. Interpersonal communication has a positive and significant effect on career satisfaction, so it can be interpreted that the smoother the interpersonal communication, the higher the career satisfaction. Career satisfaction has a positive and significant effect on employee performance, so it can be interpreted that the higher career satisfaction, the better employee performance. Performance allowances have a positive and significant effect on employee performance, so it can be interpreted that the better the performance allowance, the higher the employee performance. Interpersonal communication has a positive and significant effect on employee performance so that it can be interpreted that the smoother the interpersonal communication is carried out, the better the employee performance. The results of the analysis of mediating variables using the Sobel test found that career satisfaction can mediate the effect of performance allowances on employee performance. This proves that career satisfaction is a mediating variable from the effect of performance allowances on employee performance. Career satisfaction can mediate the effect of interpersonal communication on employee performance. This proves that career satisfaction is a mediating variable from the effect of interpersonal communication on employee performance.

Corporate Social Responsibility (CSR) is a company's commitment to contribute to sustainable economic development, by paying attention to corporate social responsibility and emphasizing a balance between attention to economic, social and environmental aspects. This research uses qualitative methods. The data used are primary and secondary data. Data were obtained by observation, interview and documentation methods. The object of this research is the community of Purwodadi Village, Tebing Tinggi District, West Tanjung Jabung District. Based on the results of the study shows that, the Corporate Social Responsibility (CSR) program of PT. Trimitra Lestari has been running quite well and providing benefits to the community around the company. In the review of Islamic business ethics, the implementation of the Corporate Social Responsibility (CSR) program of PT. Trimitra Lestari is in accordance with the principles of Islamic business ethics. However, there are still several programs that need to be improved as explained by the community, where the community expects a Corporate Social Responsibility (CSR) program that can empower and prosper the community.

Financial information will have benefits if it is delivered on time to the user, which is closely related to agency theory, where in agency theory it is explained that the owner supervises the agency (employees) so that it can perform more efficiently. The value of timeliness of financial reporting is important for the level of usefulness of the report. This research aims to examine profitability and company size on delays in company financial reports. This research sample consists of 12 companies with 36 financial report data registered with JII for 2019-2021. To test the hypothesis, secondary data was used using the purposive sampling method. The data analysis technique uses multiple linear regression analysis. The results of the analysis show that the profitability variable has a significance value of 0.036, which means that hypothesis X1 has a positive effect on delays in the company's financial reports because the significance value is less than 0.05. The company size variable has a significance value of 0.001, meaning that hypothesis X2 has a significant effect on variable Y because the significance value is less than 0.05

This research was conducted in Toddopulia Village, Tanralili District, Maros Regency. The purpose of this study is (1) To find out how the marketing communication strategy is carried out by BUMDes in increasing sales volume at the Jaya Abadi Bumdes Store, Toddopulia Village, Tanralili District, Maros Regency. (2) To find out what are the obstacles faced by BUMDes in increasing sales volume at the Bumdes Jaya Abadi Store, Toddopulia Village, Tanralili District, Maros Regency. The benefits of this research are (1). Theoretical Benefits.This research is expected to provide benefits and contribute to the development of Communication Science, especially social communication. (2). Practical Benefits. This research is expected to increase knowledge and insight about sales communication strategies.