The high bounce rate of the SOCO by Sociolla app, reaching 57.8%, and the decline in user engagement indicate a serious challenge in maintaining consumer loyalty amidst highly dynamic digital platform competition. In an era when consumers have many alternatives and high expectations for digital experiences, building meaningful relationships through brand experience is crucial. Brand experience encompasses not only functional interactions but also emotional and sensory dimensions that shape consumer perceptions of service value and quality. This study aims to analyze the influence of brand experience on brand loyalty by including perceived quality and brand trust as mediating variables. A quantitative approach was used through the Structural Equation Modeling (SEM) method on 430 active SOCO app users. The results showed that brand experience significantly influences brand loyalty directly (t=2.195, p=0.014) and also indirectly through perceived quality (t=2.457, p=0.007) and brand trust (t=5.563, p=0.000). Overall, this model explains 62.7% of the variance in brand loyalty. These findings underscore the importance of experiential marketing strategies in increasing customer satisfaction, building trust, and maintaining long-term loyalty. A strong brand experience can create deep emotional connections, strengthen perceptions of service quality, and foster brand trust, particularly in the digital beauty sector, which relies heavily on image and user convenience. Theoretically, this study contributes to the development of brand loyalty models in the digital environment. Practically, the results of this study provide guidance for digital beauty app managers like SOCO to design more immersive, personalized, and consistent user experience strategies to increase customer retention and strengthen their competitive position.

The emergence of fintech services requires banks to enhance their competitive advantage through technological innovation and digitalization, compelling Rural Banks (BPR) to adapt in order to remain relevant in an increasingly competitive environment. This study aims to analyze the differences in BPR financial performance before and after the introduction of fintech services, with a focus on capital adequacy, profitability, and liquidity for the period 2019–2023. The sample consists of 21 BPRs in Bali Province, selected using non-probability sampling with purposive sampling techniques based on specific criteria. Data were collected through non-participant observation. The data analysis techniques employed include normality testing and the Wilcoxon signed-rank test. The results reveal that both Capital Adequacy Ratio (CAR) and Return on Assets (ROA) of BPRs increased after the implementation of fintech services, whereas the Loan to Deposit Ratio (LDR) decreased. The theoretical implication of this study supports Schumpeter’s theory of innovation, which asserts that technological innovations such as fintech services drive qualitative changes in the economic system through the creation of new products, enhancement of service quality, development of operational methods, and the opening of new markets, thereby improving BPR financial performance. The practical implication of this study is to provide insights for BPRs in formulating strategies to improve financial performance, and for potential customers, BPR health indicators may serve as a reference in assessing the reputation of BPRs and building customer trust, which in turn influences their financial performance.
 

This research aims to examine the influence of exports, imports, and exchange rates on Indonesia's economic growth during the 2014–2023 period. The study employs a multiple linear regression approach using SPSS version 26 for data analysis. The findings reveal that exports, imports, and exchange rates collectively exert a significant impact on economic growth. Individually, exports contribute positively and significantly, while both imports and exchange rates show a significant negative effect on Indonesia’s GDP. These outcomes align with Keynesian economic theory, which emphasizes exports as a critical component in boosting aggregate demand and stimulating growth. Meanwhile, the negative influence of imports and exchange rates supports the Heckscher-Ohlin model and the Purchasing Power Parity (PPP) theory, indicating that excessive reliance on imports and currency depreciation can undermine domestic economic performance. This study, therefore, highlights the importance of robust trade policies and stable exchange rates to foster sustainable national economic growth.

Gojek, as one of the largest online transportation service providers in Indonesia, has significantly transformed patterns of mobility and created employment opportunities for many individuals. Founded by Nadiem Makarim in 2010, Gojek is the first online-based transportation company originating from Indonesia. This study aims to examine the effects of working hours, number of orders, age, and gender on the income of Gojek drivers in Badung Regency. The research was conducted in Badung Regency, a major tourism hub in Bali Province, which generates high demand for online transportation services. Data were collected using a quantitative approach and an associative design through surveys administered to Gojek drivers in the region. The results of the analysis indicate that these variables collectively influence driver income. Specifically, working hours, number of orders, and gender have a positive and significant effect, while age has a negative and significant effect on income.

This study aims to analyze the influence of financial literacy and investment motivation on investment interest in the capital market among the millennial generation with income as a moderating variable. This study uses an associative research method with a quantitative approach. The population in this study is the millennial generation who have an interest in investing in the capital market, with a total of 150 respondents determined through a purposive sampling technique. Primary data was obtained through distributing questionnaires using a Likert scale, and data analysis was carried out with the help of SmartPLS 4.0 software. The results of the study indicate that financial literacy and investment motivation have a positive and significant effect on investment interest in the capital market. However, the results of the moderation test show that income only acts as a significant moderating variable in strengthening the relationship between financial literacy and investment interest. Meanwhile, income does not significantly moderate the relationship between investment motivation and investment interest. These findings provide important implications for policy makers and financial institutions to improve financial literacy through comprehensive education programs and consider the income aspect in encouraging investment interest.

In the densely populated Simpang Tanjung urban village, waste management is an important challenge in creating a clean and healthy environment. And for that, the effort made by the local government is to collect waste retribution as a source of local revenue (PAD) to be used to support cleaning operational costs. This study aims to improve cleaning services and evaluate community participation and to de-termine the effectiveness of waste retribution management. This research uses a descriptive qualitative approach by collecting data through direct interviews with cleaning officers, village officials and the community. This research shows that community participation in paying retribution is good and the collected funds are managed accountably. The management of waste retribution in Simpang Tanjung urban village runs quite well and effectively. However, there are several obstacles both internally and externally such as the lack of cleaning staff, limited waste transportation infrastructure and low public awareness about disposing of waste in the provided place. Therefore, it is important for the government to increase education about disposing of waste in its place and educate waste management in order to create a healthy and clean environment.

This study aims to determine the factors that influence the achievement of the Budget Implementation Performance Indicator (IKPA) value of the Work Unit in the Medan II KPPN Work Area. The Budget Implementation Performance Indicator (IKPA) is an indicator set by the Ministry of Finance as BUN which is used as a measure and reflects the performance of the work unit on the quality of budget planning, the quality of budget implementation and the quality of budget implementation results. This study aims to determine what factors influence the achievement of the IKPA value in the work unit at the Medan II KPPN. This research method uses a quantitative approach with primary data through the distribution of questionnaires to employees who play a role in the achievement of the Satker IKPA, namely PPK, PPSPM, Treasurer, Budget Operator and Commitment/Payment Operator. The study population consisted of 170 Work Units, while the sample of this study was 200 respondents conducted in 40 Work Units in the Medan II KPPN work area with the criteria of Work Units that obtained IKPA value achievements in the sufficient and less categories for the 2022 to 2024 budget years. Hypothesis testing used analysis with the help of SmartPLS 4. The results of the study showed that transparency, organizational commitment, human resource competence, government regulations and coordination had a positive and significant effect on the achievement of IKPA values. This finding confirms the importance of transparency in state financial management accompanied by organizational commitment, increasing human resource competence, compliance with government regulations and increasing coordination between Work Units and Medan II KPPN which play a role in increasing the achievement of IKPA values ??of Work Units

This study investigates the impact of interest rate effectiveness, inflation, and exchange rates on economic growth in Indonesia between 2014 and 2023. Using a simultaneous equation model and the Two-Stage Least Squares (TSLS) estimation technique, the research analyzes the interrelationships among key macroeconomic indicators. The results show that exports and investment significantly influence GDP, whereas the exchange rate and money supply have no notable effect. Furthermore, GDP growth is identified as a significant determinant of investment, while interest rates and inflation are found to be statistically insignificant. The diagnostic tests confirm that the regression model satisfies the classical assumptions of normality and absence of autocorrelation. These findings highlight the importance of promoting exports and enhancing investment to support Indonesia’s sustainable economic development. Policymakers are encouraged to focus on trade performance and investment climate, as these factors have a stronger direct impact on growth compared to inflation and interest rates during the observed period.

This study aims to analyze the influence of human resource competence,government internal control systems, and information technology utilization on the quality of financial reports, and to examine the role organizational commitement as a moderating variable in the Medan City Government. Reliable financial reporting quality is essential to ensure transparency and accountability in regional financial management. Therefore, understanding the factors influencing it is crucial. The research employs a quantitative approach using primary data collected through questionnaires distributed to employees involved in the preparation of financial reports in the Medan City Government. The study population consists of 63 Regional Work Units (SKPD) with a total of 210 respondents selected using purposive sampling, including heads of agencies,secretaries,teasurers, and financial administration official (PPK). Data analysis was conducted using Structural Equation Modeling (SEM) with the assistance of AMOS software.The findings indicate that human resources competence, government internal control sysrems, and information technology utilization have a positive and significant effect on financial reporting quality. Additionally,organizational commitment significantly moderates the influence of these independent variables on financial reporting quality. These results highlight the importance of enchancing human resource competence, strengthening internal control systems, and optimizing information technology utilization, all supported by strong organizational commitment, to produce high-quality financial reports.

Research This aim For compile report financial situation of Palapa Grilled Chicken MSME with apply Standard Accountancy Finance Entity Micro, Small, and Medium Enterprises (SAK EMKM). This MSME located in Tanjung Gusta Village and has operate since in 2012, however recording his finances Still done manually and not yet in accordance with standard applicable accounting. This is cause owner business difficulty in understand condition finance business in a way accurate. The method used in study This is method descriptive qualitative with technique data collection in the form of observation, interviews, and documentation. The data collected Then analyzed and compiled in form report finances consisting of from report position finance, reports profit loss, and notes on report finance in accordance with provisions of the EMKM SAK. Research results show that compilation report finance based on SAK EMKM can helping MSMEs to obtain a clearer picture clear about report position financial reports profit loss and performance business in a way overall. The implementation of SAK EMKM also increases awareness owner business to importance recording systematic and accurate financial research.? This expected can become references and guides for other MSME actors in increase quality management finance through implementation standard simple, relevant, and easy accounting understood.