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Pada era Revolusi Industri 4.0, perkembangan teknologi e-bisnis telah mengubah secara signifikan perilaku konsumen, terutama di kalangan mahasiswa. Penelitian ini bertujuan untuk menyelidiki dampak penggunaan aplikasi Dana, Tiket.com, dan Netflix terhadap perubahan perilaku mahasiswa di Universitas Duta Bangsa. Metode kuantitatif digunakan dengan melakukan survei terhadap 100 responden yang dipilih secara acak. Analisis regresi linear dan logistik digunakan untuk menguji hubungan antara penggunaan aplikasi dengan perubahan perilaku. Hasilnya menunjukkan adanya hubungan positif antara penggunaan aplikasi Dana dengan peningkatan perilaku belanja online dan menabung, serta antara penggunaan aplikasi Tiket.com dengan preferensi pembelian tiket acara. Sementara itu, penggunaan aplikasi Netflix berkaitan dengan perubahan preferensi menonton film dari bioskop ke layanan streaming. Implikasi temuan ini menegaskan pentingnya memahami dampak teknologi e-bisnis dalam membentuk pola perilaku konsumen di era digital saat ini.

Currently,smartphone use is increasing and growing very rapidly. As a result of the increasing use of smartphones, entrepreneurs in the technology sector are increasingly racing and competing to increase their sales by releasing new products with sophisticated features and diverse and attractive models. The iPhone is one of the smartphones that is in great demand among various groups. The first appearance of the iPhone in the world began in 2007 and every year Apple continues to launch new products with increasingly developed specifications. This research examines the direct influence of product quality, lifestyle, country of origin on purchasing decisions. Primary data was collected using a survey method by distributing questionnaires to 160 respondents, the data was then processed using the path analysis method. Based on the results of the research analysis, there is a direct influence between product quality, lifestyle, country of origin on purchasing decisions.

In this study, researchers want to see the financial performance condition of the Hanjaya Mandala Sampoerna company when measured using liquidity, solvency, profitability and activity ratios. The Hanjaya Mandala Sampoerna Company is the largest tobacco cigarette industry in Indonesia. The data used for the ratio measurement process are taken from the company's financial reports on the Indonesia Stock Exchange Investment Gallery website using documentation and library data collection techniques (Library Research), namely collecting and combining several data that are appropriate to research. This type of research is descriptive quantitative which describes several phenomena which are then described and analyzed again. The results of research over the last five years of Hanjaya Mandala Sampoerna Tbk's financial performance on liquidity, solvency and profitability ratios are still said to be not good, but the activity ratio produces good financial performance in 2018-2022.  

This research aims to test how much influence Leadership Style and Compensation have on Job Satisfaction with Work Motivation as an Intervening Variable at the Sijunjung Regency Transportation Service. Data collection methods are through surveys and circulating questionnaire, with a sample of 60 respondents. The analysis method used is path analysis using smartpls. The research results showed that there was a significant influence of Leadership Style on Work Motivation. There is a significant influence of compensation on work motivation. There is a significant influence of Leadership Style on Job Satisfaction. There is a significant influence of compensation on job satisfaction. There is a significant influence of work motivation on job satisfaction. There is an insignificant influence of Leadership Style on Job Satisfaction through Work Motivation. There is an insignificant effect of compensation on job satisfaction through work motivation.

Perkembangan ekonomi modern yang pesat telah didorong oleh inovasi digital yang terus berkembang, terutama dalam konteks e-bisnis dan ekosistem Ekonomi 5.0. Dengan menggunakan analisis literatur dan studi kasus untuk mengeksplorasi peran inovasi digital dalam membentuk paradigma baru dalam ekonomi saat ini. Inovasi digital, seperti kecerdasan buatan, Internet of Things, analisis big data, dan cloud computing, telah memungkinkan terciptanya ekosistem bisnis yang lebih terhubung, adaptif, dan responsif. Melalui penggunaan teknologi ini, perusahaan dapat meningkatkan efisiensi operasional, memperluas pasar, dan meningkatkan pengalaman pelanggan. Namun, seiring dengan manfaatnya, inovasi digital juga menghadirkan sejumlah tantangan, termasuk ketidakpastian teknologi, masalah keamanan data, dan kesenjangan keterampilan karyawan. Dalam konteks Ekonomi 5.0, inovasi digital bukan hanya tentang meningkatkan produktivitas dan profitabilitas, tetapi juga tentang meningkatkan kesejahteraan manusia secara keseluruhan. Oleh karena itu, untuk memperkuat ekosistem Ekonomi 5.0, perusahaan harus terus mendorong inovasi digital, berinvestasi dalam pengembangan keterampilan digital karyawan, dan menjaga keamanan data sebagai prioritas utama.

E-bisnis kini menghadapi era baru dengan hadirnya Industri 5.0. Artikel ini mengkaji bagaimana E-bisnis dapat memanfaatkan Industri 5.0 dan Asisten Virtual untuk meningkatkan efisiensi, produktivitas, dan pengalaman pelanggan. Studi literatur, studi kasus, dan analisis data menjadi landasan pembahasan. Industri 5.0, yang ditandai dengan hiperkonektivitas, otomasi, dan kecerdasan buatan, menawarkan berbagai peluang bagi E-bisnis. Salah satunya adalah penggunaan Asisten Virtual untuk menangani tugas-tugas seperti layanan pelanggan, pemrosesan pesanan, dan pemasaran. Integrasi keduanya berpotensi membawa E-bisnis ke level yang lebih tinggi. Asisten Virtual dapat meningkatkan efisiensi dengan mengotomatiskan tugas manual. Selain itu, ia juga mampu memberikan layanan pelanggan 24/7 dan meningkatkan engagement pelanggan melalui interaksi yang lebih baik. Kesimpulannya, Industri 5.0 dan Asisten Virtual menjadi terobosan yang dapat dimanfaatkan E-bisnis untuk meraih kesuksesan di era digital. Namun, dibutuhkan perencanaan matang, investasi yang tepat, dan komitmen terhadap perubahan agar dapat mengimplementasikan teknologi ini secara strategis.

This study aimed to find out whether Good Corporate Governance and Risk Management affected reputation with financial performance as an intervening variable in the case study of Bank Central Asia Syariah. In addition, this study also aimed to test whether financial performance variables mediatd the relationship between each variables. The sample used in this research was Bank Central Asia Syariah's quarterly and annual reports published for 2017-2022. The method used was a quantitative approach with data analysis using smartPLS, the data used was secondary data. The research results showed that Good Corporate Governance has significant effect on reputation.Good Corporate Governance has not is proven significant to financial performance. Risk management has proven to have a significant effect on reputation. Risk management has a significant effect with a negative influence on financial performance. Financial performance has proven to have a significant effect on reputation. The path test showed that financial performance is unable to mediated Good Corporate Governanceon and risk management on reputation.   Keywords: GCG, Risk Management, Reputation, Financial Performance

Tjiwi Kimia Tbk Paper Factory, the world's leading producer of pulp, paper and paper products, has an important role in the national economy. Financial ratio analysis highlights a company's financial health, focusing on liquidity, solvency, activity, and profitability. The aim of this research is to understand and assess the company's financial health and measure overall financial performance. From this research, it can be seen that ratio analysis shows liquidity fluctuations, a significant decrease in profitability, and a lack of efficient use of assets. Although the company's solvency remains maintained, the main challenge lies in operational efficiency and profit growth in proportion to the increase in assets. In conclusion, a more effective strategy is needed in debt management, increasing operational efficiency, and optimizing asset use to improve overall company performance

In the literature study related to evaluating the efficiency and profitability of Islamic insurance through financial statement analysis, previous studies highlighted various methods and approaches used to measure the performance of Islamic insurance companies. Financial statement analysis is the main focus in identifying factors that affect the operational efficiency and profitability of Islamic insurance companies. Some studies have used traditional financial ratios such as solvency, liquidity, and profitability ratios to evaluate the performance of Islamic insurance. However, due to the unique characteristics of Islamic insurance, studies have also proposed the development of specific metrics that take into account sharia principles, such as sharia compliance ratios and fairness ratios. In addition, non-financial approaches such as technical efficiency and allocative efficiency analysis have also been used to evaluate the operational efficiency of Islamic insurance. This research shows that factors such as scale of operations, business diversification, and managerial efficiency can contribute to the efficiency performance and profitability of Islamic insurance companies. Although there have been many studies conducted in this domain, there is still a need for more in-depth follow-up research to better understand the factors that influence the efficiency and profitability of Islamic insurance. With a better understanding of the performance of Islamic insurance companies, regulators and practitioners can develop more effective strategies to improve the stability and growth of this industry.

Kalimantan Mandiri Sukses is a service company engaged in the distribution of mining products, especially coal and heavy mining equipment transportation services which has been operating for more than ten years in Banjarmasin. This research aims to analyze work motivation strategies in an effort to improve work performance. Apart from that, another aim is to provide insight into the factors that influence employee work motivation and provide recommendations for increasing employee work motivation and improving their work performance. The method used in this research is descriptive qualitative with data collection techniques through interviews and observation. The data were analyzed using content analysis techniques, with the respondents in this study being employees of PT. Kalimantan Mandiri Sukses was selected using purposive sampling. The research results show that there are several work motivation factors that influence employee work performance, such as incentives, recognition, social support, work environment, and career development. Incentives provided by companies in the form of salaries and bonuses are the main factors in motivating employees. Apart from that, recognition and appreciation from management, social support from colleagues and the work environment, as well as clear career development are also factors that are no less important in motivating employees to improve their work performance at PT. Kalimantan Independent Success.

This research relates to predictions of laptop sales in computer shops in Central Aceh, with a focus on laptop brands Acer, Asus, HP and Lenovo. Over the last three years, sales of these laptops have reached 1,629 units, with a monthly average of between 108 and 150 units. Business owners today prefer brands with the highest percentage of sales, but this can lead to dead stock problems. Therefore, the author proposes using data mining techniques, especially the K-Nearest Neighbor (K-NN) method, to make recommendations for the number of products to be purchased by business owners based on past sales data. The K-NN method requires complete, structured and continuous sales data. It is important to choose an appropriate K value, and other factors such as weather, seasons, promotions, and special events also affect laptop sales. K-NN models may need to be combined with other data to improve prediction accuracy. It is hoped that this research will provide academic benefits in expanding knowledge about the use of the K-NN method in sales prediction, as well as practical benefits for business owners in planning their sales strategies. The research conclusions highlight the importance of good data collection, choosing the right K value, and considering external factors in the laptop sales prediction process.      

Instant noodles have various brands with several innovations and their own characteristics that can attract the attention of consumers and fans. This creates tight competition for business people to maintain market share. This research aims to determine the influence of product variations and prices simultaneously on the decision to purchase MIE GAGA 100. The influence of product variations and prices partially on the decision to purchase MIE GAGA 100. The method used in this research is a quantitative method with a research sample of 100 MIE consumers GAGA in Tasikmalaya City. Sampling used purposive sampling and the analysis method used was multiple linear regression. Based on research results, product variations are classified as good, prices are classified as very good and purchasing decisions are classified as good. The test results show that product variations and prices perception simultaneously have a significant effect on purchasing decisions. Product variations partially have a significant effect on purchasing decisions and prices perception  partially have a significant effect on purchasing decisions.

In today's modern era, humans have a life with all activities that can never be separated from technological developments. One of the technological developments that is currently popular in Indonesia is Financial Technology. Financial Technology (FINTECH) is the latest innovation in the financial service system which is touched by modern technology which can make it easier for Small and Medium Enterprises).to run their businesses with the help of Fintech. The aim of this research is to determine the application of Fintech to Small and Medium Enterprises assisted by Bank NTT in Sabu Raijua and to determine the advantages and disadvantages of implementing Fintech in Small and Medium Enterprises assisted by Bank NTT in Sabu Raijua. This research uses a qualitative research method, which is a research method carried out by means of in-depth interviews in the field, using a phenomenological approach. The data source in this research is primary data obtained directly from Small and Medium Enterprises actors in Sabu Raijua, while secondary data is in the form of interviews, observations and documentation. The research results show that the application of Financial Technology (Fintech) in Small and Medium Enterprises assisted by Bank NTT in Sabu Raijua is experiencing positive developments in line with technological advances and changes in user behavior, ease of access, and transaction security are getting better. However, in its implementation there are several obstacles, namely weak internet connections, elderly Small and Medium Enterprises players find it difficult to understand how to use Financial Technology.

This research aims to explain the benefits of providing BRI Bank People's Business Credit loans for Small and Medium Enterprises. This research was conducted at Bank Rakyat Indonesia because it is one of the banks that distributes the KUR assistance program. This research uses primary data and secondary data. The research results show the benefits of providing BRI bank KUR assistance to SMEs, namely that small and medium business actors are helped by getting capital to open a business, develop businesses that are already running and can provide employment assistance for other people. Obstacles that small and medium business actors often face when applying for small and medium business credit assistance include incomplete requirements, bad personalities and inappropriate credit guarantees. It is hoped that the provision of people's business credit loans will be able to provide benefits to small and medium business owners, both for the businesses they run and to fulfill other economic needs.  

The main problem in this research is what factors influence customer decisions in choosing BRI Bank Britama Savings Products in Fatukoa Village. The aim of this research is to see and explain what influences the decisions of Fatukoa Village customers in saving with Britama Savings Products. This type of research uses descriptive qualitative research. The data sources in this research are primary data and secondary data. Where data collection uses interview, observation, and documentation techniques. determining informants using Purposive Sampling, totaling 6 people. The time and place of the research was carried out in the 2023-2024 academic year, on a number of customers who live in Fatukoa Village, Kupang City. The results of this research explain that the factors that influence customers' decisions in choosing Britama Bank BRI savings products are influenced by cultural factors because cultural influences play a key role in customer decisions. The socialization process from the experience of being a customer for eight years, the use of banking products since the beginning of college, and the management of business transactions are the main factors in choosing Britama Savings. Social Factors due to the existence of reference groups, both from friends and family, have a big impact. Suggestions from friends about the benefits of interest rates and easy access to BRI Bank's online services, as well as recommendations from wives who are BRI Bank customers, are taken into consideration in the decision to save on Britama Products. Personal Factors due to Age, life cycle stage, work and economic environment are factors personal influences on product choices. The decision to save in BRI Bank Britama Products is based on long-term goals, investment, financial discipline, and economic considerations as well as income that can be invested, and Psychological Factors because the motivation for opening a Britama Savings account is related to biogenic and psychogenic needs, such as increasing pension funds, long-term investment, increasing financial discipline, and building savings habits. Trust and positive attitudes towards Britama products, supported by the reputation and security of BRI Bank, also play a key role in decision making. Apart from that, information from reference groups, socialization experiences, economic considerations, and trust in banking institutions are key factors that shape customer decision behavior.

This study aims to analyze: 1) the effect of the number of tourists on local original income in Alor Regency, 2) the influence of tourist attractions on local original income in Alor Regency, 3) the effect of hotel occupancy rate on local original income in Alor Regency, 4) The effect of the number of tourists, tourist attractions and hotel occupancy rates in Alor Regency. The type of research used in this study is quantitative descriptive research. Data types and sources use a quantitative approach with secondary data in the form of time series data with an observation period of 2011-2021. The results showed that: hypothesis First, a positive and significant influence between the number of tourists on local original income in Alor Regency as shown by a coefficient value of -894960.9, Because the calculated t value is -0.332076 < t table 1.943 with a significant value of 0.7511 > α = 0.05, then reject Ho and accept Ha. This means that if the number of tourists increases by one percent, it affects the original income of the Alor Regency area by 0.332076.Second, tourist attractions have a significant and positive effect on the original income of the region in Alor Regency, which is shown by the value of the coefficient of 4.59E + 08. The value of this coefficient is significant because the calculated value of 0.607077 < ttable 1.943 and significant 0.5660 >α = 0.05 then reject H0 and accept Ha. This means that if the tourist attraction increases by one percent, the original income of the Alorakan Regency area increases by 0.607077. Third, the hotel occupancy rate does not significantly affect the local original income, which is indicated by the coefficient value of 6.44E+09. The value of this coefficient is not significant because the calculated value, 0.624792 > ttable of 1.943 with a significant value of 0.5551 >αα = 0.05 then reject H0 and accept Ha. This means that there is no influence between hotel occupancy rates on the original income of Alor Regency. Fourth, the number of tourists, tourist attractions and hotel occupancy rates simultaneously have a positive and significant effect on the original income of the Alor Regency area, which is indicated by the value of Fcalculate 53.71137 > Ftable 3.326 and a significant value of 0.038976<α = 0.05, then reject H0 and accept Ha. This means that the number of tourists, attractions and hotel occupancy rates can affect the variance in local original income by 54% and the rest is explained by other variables.

Language allows us to communicate, teach, learn, and maintain culture. Each language has specific grammatical rules and vocabulary, which reflect the values, norms and beliefs of the society that uses it. A dynamic language does not rule out the possibility that more and more users will become creative. However, it is important to remember that changes that are too rapid will have an impact on the continuity of the language itself. This research aims to identify the use of acronyms in prokem language or slang. The research results show that acronyms are increasingly commonly used in everyday life. Acronyms are used to save time and space, and to simplify messages. However, excessive or unclear use of acronyms can confuse readers and hinder understanding of the message. For this reason, there is a need for guidance regarding this acronym.

This research aims to determine the influence of price, product quality and promotion on purchasing decisions at Shopee e-commerce. This research uses a quantitative approach with data collection methods through primary data, questionnaires and documentation. The population of this research are students at 10 universities in Jambi City and are Shopee e-commerce users. The total sample was 100 respondents. The sampling method uses a purposive sampling technique, namely a sampling technique using certain considerations that are in accordance with the researcher's objectives. The test used is multiple linear regression analysis; normality test, multicollinearity test and heteroscedasticity test. Test the hypothesis using the F Test and T Test. The results of data analysis can be concluded that partially (T test), the price variable (X1) has a significant effect on purchasing decisions (Y), the product quality variable (X2) has no effect on purchasing decisions (Y) and the promotion variable (X3) has an effect significant to purchasing decisions (Y). Simultaneously (F test) shows that the independent variables price, product quality and promotion simultaneously have a positive and significant effect on purchasing decisions.      

Procurement process in the industrial sector is undoubtedly conducted. However, conventional procurement of goods and services still faces numerous challenges, such as the need for physical storage space which is impractical, consumes a lot of space, and the difficulty in accessing past documents. With the advancement of the Industry 4.0 era, it pushes the procurement sector to undergo changes related to data integration systems and also the procurement process, all aimed at creating efficiency in the procurement of goods and services.    

Human resource development is a process of how management gains experience, skills and attitudes to achieve success as leaders in the organization, so that development activities are aimed at helping employees/employees to be able to handle their responsibilities in the future. Bearing this in mind, training and human resource development programs are needed which are carried out periodically and continuously, in order to provide satisfactory (prime) service. Thus, companies/institutions need to have good operational implementation instructions, as well as educated officers who can implement these operational systems and procedures appropriately. Apart from development, training activities are also very influential on human resources because with this training human resources will be encouraged to be able to provide excellent service for candidates or those interested in buying or using their services. And it is no less important to provide training to customer service on how to serve in a very friendly, polite, knowledgeable manner so that clients/interested people can feel comfortable when communicating or making transactions.