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Government expenditure is a great reason in economic stability and its impact on the balance of payments is dire. In this light, this paper seeks to use the time series analysis method and the ARDL model to investigate the association between the balance of payments of Iraq and the public spending within the 2004-2023 period. The Eviews 13 software was used to analyse it. The findings show that there is a positive association between spending by the people and balance of payment especially at the short run. The latter findings indicate that the efficiency of government expenditure reform is a necessary tool to accomplish the expansion and close the balance of payments deficit. This study highlights the importance of strategic fiscal policies and government spending in achieving a balanced economy and sustainable growth. Additionally, it emphasizes the need for continuous monitoring and adjustment of public spending to ensure its alignment with national economic objectives. The findings contribute to the understanding of fiscal policy implications in developing economies, especially in the context of Iraq’s economic challenges.  

Rapid adoption of cashless payments has reshaped everyday spending, especially among young consumers. While e-wallets deliver speed and convenience, constant exposure to discounts, cashbacks, and one-click checkouts may also foster more frequent discretionary purchases. This study examines the relationship between e-wallet usage intensity and consumptive lifestyle, focusing on how convenience and promotional stimuli relate to spending tendencies. Using a cross-sectional online survey of students and early-career workers, we collected self-reports on payment habits and consumption patterns with validated Likert-type instruments. Data were screened and analyzed with correlation and linear regression after basic assumption checks. The results indicate a positive and statistically meaningful association between e-wallet usage and consumptive lifestyle; respondents who transact more often via e-wallets tend to report stronger preferences for instant gratification, hedonic purchases, and impulse buying. Convenience features (e.g., stored cards, fast checkout) and promotional exposure (e.g., limited-time deals) emerged as salient correlates of the relationship. The findings add contextual evidence from Indonesia’s digital economy and suggest practical implications for users, platforms, and educators. Financial-wellbeing interventions such as digital budgeting tips, in-app nudges, spend limits, or post-purchase reflections may help align seamless payments with healthier consumption decisions. Future work can test causal mechanisms and evaluate design features that encourage prudent, goal-consistent spending without diminishing user experience.

The dynamics of student organization structure have significant implications for talent retention and student career development. This study aims to comparatively analyze the influence of centralization and decentralization structures in the Information Technology Study Program Student Association on the effectiveness of talent retention strategies and career development capacity. The research method uses a quantitative approach with a comparative design involving 120 respondents selected through purposive sampling technique with criteria of at least one period of organizational experience. Data collection instruments use structured Likert scale questionnaires that have been tested for validity and reliability with Cronbach's Alpha values above 0.80. Data analysis uses Structural Equation Modeling and independent sample t-test to compare both structural models. The results show that the decentralization structure has a strong significant effect on talent retention with a path coefficient of 0.628 compared to centralization of 0.312. Comparative analysis identifies substantial differentiation in all dimensions of career development with the decentralization structure consistently outperforming centralization, especially in the aspect of decision-making autonomy. The findings confirm that the distribution of authority in decentralization creates a learning ecosystem that facilitates diversification of leadership experiences and strengthens students' organizational commitment through participatory empowerment mechanisms.

This study investigates the impact of intrinsic motivation, workload, and competence on job satisfaction, exploring its implications for employee performance, with job satisfaction serving as a mediating variable. A quantitative approach was employed, utilizing Partial Least Squares Structural Equation Modeling (PLS-SEM) for data analysis collected via questionnaires. The results reveal that intrinsic motivation has a positive but insignificant impact on job satisfaction and performance. Workload significantly improves job satisfaction but does not affect performance, while competence significantly enhances both job satisfaction and performance. Additionally, job satisfaction positively affects employee performance. The mediation analysis reveals that job satisfaction mediates the relationship between competence and workload on performance, but does not mediate the relationship between intrinsic motivation and performance. These findings highlight the critical roles of competence and job satisfaction in improving employee performance, suggesting that intrinsic motivation and workload may require additional factors, such as compensation and work environment, to be more effective.

This study aims to analyze the brand equity strategy and perception of Tomoro Coffee Blimbing based on four main dimensions: brand awareness, brand association, perceived quality, and brand loyalty. A descriptive qualitative approach was used through in-depth interviews with management, baristas, and customers. The data were then analyzed thematically through data reduction, presentation, and conclusion drawing. The results show that Tomoro Coffee's brand awareness is strongly formed through store expansion, social media activities, and a memorable slogan. Brand associations are perceived as modern, aesthetic, and closely related to youth lifestyles, although there is still a conflict between premium and economical images. Regarding quality perceptions, customers value consistent coffee taste and service, but perceived value is still influenced by promotions. Customer loyalty varies, with some indicating repeat visits due to quality, while others rely on promotions and situational needs. This study concludes that Tomoro Coffee's brand equity is quite strong, but needs to be strengthened with perceived value and fostering emotional loyalty. The implications of these findings can inform the development of marketing strategies and brand management in the increasingly competitive coffee shop industry.

This study aims to determine and describe the use of the drill method in developing the independence of children aged 5-6 years in PAUD Dermawan, Hasahatan Julu Village. In obtaining data in the study, the author applies qualitative research through data obtained through observation, interviews, and documentation. The data analysis used is data reduction, data presentation, and drawing conclusions. The results of the study show that: 1.) the independence of children in PAUD Dermawan has generally developed well. Most children have shown the ability to be responsible, confident, have a social soul, are able to interact and cooperate with their peers, and have initiative. However, there are still some children who need more attention from teachers in independence, especially in terms of self-confidence and the ability to take initiative 2.) Efforts made by teachers in using the drill method to develop the independence of children in PAUD Dermawan, namely: 1. Association, 2. Delivering goals, 3. Motivation, 4. Conducting exercises, 5. Evaluation, 7. Follow-up. 3.) The learning activities used by teachers to develop children's independence at Dermawan Early Childhood Education Center include coloring, writing, playing snakes and ladders, and even creating artwork such as professional hats.

The Marketing Mix strategy is a combination of various marketing elements that include product, price, distribution place, and promotion. The Marketing Mix strategy, also known as the marketing mix is a concept in marketing that explains four main elements that must be managed in an integrated manner to achieve marketing objectives. In general practice, the using of QRIS is a payment standard using a QR code developed by Bank Indonesia and the Indonesian Payment System Association to simplify and accelerate digital transactions. Through VOSviewer analysis, the implementation of QRIS can have a positive impact on the operations and business performance of MSMEs, and the marketing mix strategy in the context of business digitalization becomes an important approach to maintaining MSME competitiveness. The results of the VOSviewer visual map analysis and the review of previous State of the Art research indicate that most existing studies still focus on aspects of QRIS adoption and transaction efficiency alone. These studies generally highlight how digital payment system is able to  improve the speed, security, and convenience of transactions but have not yet widely linked them directly to marketing mix strategies and consumer purchasing decisions. This indicates a research gap in understanding the role of QRIS is not only as a transaction tool but also as part of the marketing strategy that influences consumer behaviour.

Right now, the utilization of data and correspondence innovation fundamentally affects different business areas, including producing. One arising idea is e-business, otherwise called electronic business. This idea underlines data exchanging and paperless exchanges through different innovations like Electronic Trade of Data (EDI), email, electronic notice sheets, electronic assets move, and other organization based propels. An e-business data framework is a gadget, innovation, or system that uses equipment, programming, organizations, and human insight to interface, do exchanges, and complete different hierarchical exercises without being restricted by time or area. The utilization of e-business data frameworks is a significant instrument that associations use to further develop business activities at the nearby and worldwide level. Indonesia is one of the trailblazers in web-based business and internet business. Nonetheless, the potential presented by e-business haven't completely taken advantage of by business affiliations.

This study aims to determine the influence of brand awareness, brand association, and brand loyalty associated with brand equity on consumer purchase decisions in using GO-JEK services in Depok City. These three variables were analyzed both partially and simultaneously to identify the degree of their influence on consumers' decisions in choosing online transportation services. The research method used is a quantitative approach with the distribution of questionnaires as a data collection instrument, while the analysis is carried out using inferential statistical techniques. The results show that partially the variables of brand association and brand loyalty have a significant and dominant influence on purchasing decisions. This indicates that consumers' perception of the image and emotional connection with the GO-JEK brand plays an important role in the decision to choose the service. In addition, the results of the simultaneous test showed that brand awareness, brand association, and brand loyalty together had a positive and significant influence on purchasing decisions. These findings confirm that strong brand equity is an important factor in increasing consumer interest and preference for GO-JEK services. Therefore, companies need to maintain and strengthen branding strategies to increase competitiveness and maintain customer loyalty.

The size of the company as a moderator in defining the correlation between capital structure, profit, and firm value is the focus of this study. Adopting a quantitative associative approach, this research focuses on the non-cyclical consumer sector registered on the Indonesia Stock Exchange (IDX) for the period 2020–2023. Of the 125 companies, 73 were purposively selected to create the research sample, yielding 292 observations after excluding entities with incomplete data and those with special monitoring status. The authors gathered secondary data from audited yearly financial reports through the IDX portal and corporate websites. The analysis used quasi-moderation techniques by combining independent variables, moderation, and interaction in a single regression model, processed through EViews 13. The research results show that capital structure has a significant positive impact on firm value, while profitability has no significant impact. Firm size has been shown to affect the relationship that exists between capital structure and firm value, but it does not moderate the association between profitability and firm value. These findings confirm that leverage’s effectiveness in increasing firm value is independent of company size and that profitability is not a primary determinant in this context. This research provides empirical evidence to advance capital structure theory and to inform executives’ strategic financial decisions and investors’ evaluations of corporate outlooks.

This community service activity aims to provide insight and training to teachers and lecturers who are members of the Multimedia and Information Technology Professional Association (PPMULTINDO) regarding the use of the Quizizz application as a learning evaluation medium. The background of this activity is that there is a challenge for educators to continue to innovate in the digital era, but there are still obstacles in the form of a lack of introduction and insight into Quizizz, as well as the assumption that the development of technology-based evaluation media is complicated. This training was carried out online through the Zoom application with tutorial, guidance, and consultation methods. The results achieved are that the trainees gain basic understanding and skills in using Quizizz to support a more effective and interactive learning process. This activity is expected to motivate teachers and lecturers to develop technology-based evaluation media and contribute to the advancement of education in the future.

The 2025 Real Work Lecture Program (KKN) of PGRI Wiranegara University (UNIWARA) Team 12 was carried out in Pohjentrek Village with a focus on empowering MSMEs, improving literacy, environmental education, food security, and character education. The main issues identified include low awareness among SME actors regarding the importance of business legality, low basic literacy skills among elementary school students, high rates of open waste burning, and the emergence of social issues related to bullying among teenagers. The methods used include mentoring, socialization, training, and active participation in community activities. The results of the activities showed that 15 MSMEs were successfully registered through OSS, with three of them obtaining NIB and halal certificates; tutoring and regular literacy assistance twice a week improved students' literacy skills; the initiation of a community literacy corner began to be implemented in one of the neighborhood associations (RT); socialization of waste management encouraged four households to practice composting; the introduction of vertical farming through the distribution of vegetable seeds supported family greening and food security; and anti-bullying socialization at SMPN 6 helped students recognize their potential using the SMART method. The conclusion of this program is that KKN is able to provide a multidimensional impact through collaboration between students, the community, and the village government, while strengthening community awareness of business legality, literacy, the environment, food, and character.

This study aims to determine the effect of brand association, brand awareness, and brand loyalty on brand equity. The background of this research is the increasing competition in the smartphone industry, where leading brands are competing to capture consumer attention, particularly Generation Z, who have unique characteristics in using technology. Generation Z is a group that is highly engaged with digital development, quick in accessing information, and critical in making brand choices. Therefore, understanding the factors that influence brand equity among this generation is essential, especially for Samsung as the research object. This research is categorized as quantitative with a descriptive-verificative approach. The population in this study consisted of Samsung smartphone consumers from Generation Z in Nias City. Data were collected using questionnaires designed to measure the independent variables, namely brand association, brand awareness, and brand loyalty, as well as the dependent variable, brand equity. The sampling technique applied was non-probability sampling with a purposive sampling approach, where respondents were selected based on specific criteria. The total sample obtained was 100 respondents. The collected data were analyzed using SPSS version 22. The analysis was conducted to examine the partial effect of each independent variable on the dependent variable. The findings indicate that brand association, brand awareness, and brand loyalty each have a significant partial effect on brand equity. These results suggest that the stronger the brand associations held by consumers, the higher their awareness of Samsung as a brand, and the greater their loyalty, the stronger the brand equity will be among Generation Z. The implications of this study highlight the importance for companies to strengthen brand-based marketing strategies by emphasizing emotional value, enhancing brand exposure, and maintaining consumer loyalty. Such efforts will enable Samsung to sustain its competitive position in the increasingly dynamic smartphone market.

The general purpose of this study is to analyze the influence of Brand Trust on the decision to stay at The Axana Hotel Padang. The type of research used in this study is a quantitative approach and causal associations. Guests who have stayed at Axana Hotel Padang participated in the study. The sample consisted of 204 guests who followed a nonvoluntary review strategy. The data collection strategy uses Likert scale surveys that attempt to explore speculation. Data for this study were processed using SPSS 26.00. The results of this study prove that Brand Trust is in the appropriate category (80%). In addition, the decision to stay on the category is enough ie. (75%). Brand Trust had a significant effect on overnight decisions with an R-squared value of 0.397 and a significance of 0.000 < 0.05. This means that there are 0.603 that are influenced by other factors.

In light of the moderating effects of organizational readiness (OR) and digital literacy (DL), this study attempts to examine how business intelligence (BI) affects the sustainable performance and decision-making quality of SMEs in Lampung Province.  This study used a convergent parallel design and a mixed methods approach, integrating both qualitative and quantitative data to offer a thorough insight.  In-depth interviews with 15 important informants provided qualitative data, while purposive sampling was used to choose 200 SMEs as respondents for quantitative data. The outer and inner models were evaluated in a quantitative study using Partial Least Squares Structural Equation Modeling (PLS-SEM), and thematic analysis was used to examine the qualitative data. The findings demonstrated that BI significantly influences sustainable performance (β=0.24, p<0.001) and decision quality (β=0.65, p<0.001), both directly and via decision quality mediation (β=0.58, p<0.001). The association between BI and decision quality was found to be strengthened by OR and DL.  SME players stress the significance of rapid, precise, and integrated data access in enhancing the precision of company strategy, and qualitative findings corroborate the quantitative findings. This study offers useful suggestions for boosting SMEs' competitiveness in the age of digital transformation.

This study aims to determine the role of brand awareness, brand image, and brand trust in building brand loyalty among users of Samsung smartphones. The data source used in this study is primary data collected through questionnaires. The research population consists of consumers who use Samsung smartphones in West Nias Regency. A survey method was employed, with a sample size of 100 respondents who are Samsung users. The sampling technique applied was non-probability sampling, specifically using purposive sampling, and the sample size was determined using the Lameshow formula, with 100 respondents selected. The data analysis was conducted using SPSS version 22 software. The results of this study indicate that brand awareness, brand image, and brand trust all have a positive and significant impact on brand loyalty. Among these factors, brand trust emerged as the most influential element in fostering brand loyalty. This highlights the importance of trust in maintaining long-term customer relationships and ensuring that consumers remain committed to the Samsung brand. Brand trust can be built through consistent product quality, transparent communication, and delivering on promises made to customers. Additionally, brand awareness and brand image are also critical in influencing consumer perception and encouraging repurchase behavior. High brand awareness ensures that consumers recognize the brand, while a strong brand image fosters positive associations with the brand. Companies should focus on enhancing these three aspects in order to build stronger customer loyalty. The results of this study can serve as valuable insights for businesses, particularly in the smartphone industry, to improve their customer retention strategies by strengthening brand loyalty through effective brand management practices.  

Free association among adolescents is a social problem that is increasingly worrying, especially in the current era of globalization. Adolescents' lack of understanding regarding behavioral boundaries in social interactions can have various negative impacts, both physically, psychologically, and socially. To address this, this community service activity was conducted with the aim of providing education about the dangers of free association to students of MA Mathla'ul Anwar Pandeglang. A total of 25 students participated in this activity. The media used was a snakes and ladders game that had been educationally modified to suit the material presented. The implementation method included interactive lectures, educational games, group discussions, and learning evaluations through pre- and post-tests. The results of the activity showed a 34% increase in students' understanding of the dangers of free association after participating in the entire series of activities. In addition, the snakes and ladders game media proved effective as a fun learning tool and was able to increase active student participation. This game also helped students more easily understand and remember the material presented. With this creative and participatory approach, it is hoped that education about healthy associations and adolescent character can be better accepted and implemented in everyday life. This activity is expected to become an alternative model for character education in schools and can be implemented sustainably in various educational institutions.

Free association among adolescents is a social problem that is increasingly worrying, especially in the current era of globalization. Adolescents' lack of understanding regarding behavioral boundaries in social interactions can have various negative impacts, both physically, psychologically, and socially. To address this, this community service activity was conducted with the aim of providing education about the dangers of free association to students of MA Mathla'ul Anwar Pandeglang. A total of 25 students participated in this activity. The media used was a snakes and ladders game that had been educationally modified to suit the material presented. The implementation method included interactive lectures, educational games, group discussions, and learning evaluations through pre- and post-tests. The results of the activity showed a 34% increase in students' understanding of the dangers of free association after participating in the entire series of activities. In addition, the snakes and ladders game media proved effective as a fun learning tool and was able to increase active student participation. This game also helped students more easily understand and remember the material presented. With this creative and participatory approach, it is hoped that education about healthy associations and adolescent character can be better accepted and implemented in everyday life. This activity is expected to become an alternative model for character education in schools and can be implemented sustainably in various educational institutions.

Corporate profits may be allocated either as dividends to shareholders or retained to support future investment activities. The proportion of dividends distributed serves as an indicator of management’s ability to balance reinvestment needs with shareholder returns. Decisions regarding dividend distribution are typically finalized during the General Meeting of Shareholders (GMS), following recommendations put forth by the board of directors. This research investigates how asset management influences dividend payments, assesses the impact of leverage on dividend distribution, and explores the moderating effect of company growth on the relationship between asset management and leverage with dividend payouts. The study focuses on companies listed in the High Dividend 20 Index (IDXHIDIV20) from 2019 to 2023. Using purposive sampling, 29 companies were selected, yielding 145 observations that consistently issued dividends throughout the study period. The analysis was conducted using Moderated Regression Analysis (MRA). Findings indicate that asset management positively affects dividend payments, whereas leverage does not exhibit a significant influence. Moreover, company growth is found to weaken the positive association between asset management and dividends, while it does not moderate the relationship between leverage and dividend payouts. These findings support both signaling theory and contingency theory, emphasizing that efficient asset utilization enhances corporate profitability, which in turn can lead to higher dividend distributions.

Financial distress refers to a company’s persistent inability to meet financial obligations, signaling severe monetary strain that precedes formal bankruptcy or liquidation proceedings. This study investigates the impact of intellectual capital (VAICTM), operational capacity (TATO), capital structure (DER), and operating cash flow (OCF) on financial distress (Altman Z-Score), with profitability (ROA) serving as a mediating variable. The theoretical framework of this research is grounded in signaling theory, agency theory, and resource-based view theory. The study focuses on basic materials companies listed on the Indonesia Stock Exchange (IDX) between 2019 and 2023. The study utilized criterion-based sampling to select qualified respondents. Secondary datasets were analyzed through panel regression and path analysis, with Eviews 12 as the computational tool. Key findings include: (1) intellectual capital and operating capacity demonstrate a statistically significant positive influence on profitability; (2) capital structure exerts a significant adverse impact on profitability; (3) operating cash flow exhibits no statistically discernible impact on profitability; (4) both operating cash flow and profitability are positively and significantly associated with increased financial distress; (5) capital structure displays a significant inverse relationship with financial distress severity; (6) intellectual capital and operating capacity show no statistically significant associations with direct financial distress prediction; (7) profitability partially mediates the influence of intellectual capital, operating capacity, and capital structure on financial distress; and (8) profitability does not serve as a mediating variable between operating cash flow and financial distress.