Empowering Loan Awareness: The Role of Sharī‘ah Financial Literacy, Blockchain, and Fintech Trust

The research objective is to determine the effect of investment knowledge and financial literacy on investment decisions for customers of Bank Jatim Jember with financial inclusion as an Intervening variable. Abdurachman Saleh University, Situbondo. The sampling technique used in this study was simple random sampling using the Slovin formula with a tolerable error rate of 10% for 96 customers. Data analysis and hypothesis testing in this study used the Structural Equation Model - Partial Least Square (PLS-SEM)The results of the direct effect hypothesis test using the Smart PLS 3.0 application, show that investment knowledge has a positive and significant effect on financial inclusion, financial literacy has a positive and significant effect on financial inclusion, investment knowledge has a positive and significant effect on investment decisions, financial literacy has a negative and insignificant effect on investment decisions, financial inclusion has a positive and significant effect on investment decisions, investment knowledge has a positive and significant effect on investment decisions through financial inclusion, financial literacy has a positive and significant effect on investment decisions through financial inclusion.

This research was conducted at Bank Jatim Branch of Banyuwangi. samples used in this study as many as 100 samples from a population of 150 people by sampling using simple random sampling. The purpose of this study was to examine the effect of the change management leadership and work culture and its influence on employee performance. Data analysis techniques in this study using Structural Equation Modeling (SEM). The results showed that there is significant influence between management changes to leadership, there is significant influence between management changes to workplace culture, there is significant influence between management changes to employee performance, there is significant influence between the leadership of the working culture, there is significant influence among the leadership on employee performance and there is no significant influence between the work culture on employee performance.

The aim to be achieved in this study was to determine the effect of social capital on decision making for the welfare of micro-business women in the Kendari Korem Market. Location of research at Kendari Korem Market. The population in this study were all Micro Business Women who work as vegetable sellers at Kendari Korem Market, which numbered 115 people and the sample determination used Slovin formula as many as 50 people. The method used in sampling is done by Simple Random Sampling. The variables observed in this study were the identity of the respondents in this study, namely age, education level, number of family dependents, business experience. Social capital variables that include trust (trust), network (social network), norms (norms) that exist in the community/self someone. Data analysis in this study used covariant-based structural equation modeling analysis. Based on the results of the study it can be concluded that the trust and network of micro businesswomen in the Kendari Korem Market directly influence the decision making and norms of micro-business women not to have an influence on decision making. Based on the results of the study, it is recommended that micro businesswomen in the korem kendari market increase the values of social capital in decision making to improve their welfare

This study aims to examine the influence of budget planning, financial literacy, accounting literacy, and access to finance on the financial sustainability of Small and Medium Enterprises (SMEs) in Kuningan Regency. Motivated by the challenges faced by SMEs in ensuring long-term financial viability, this research adopts the Resource-Based View (RBV) theory to explore how internal capabilities contribute to sustainable business performance. Using a quantitative approach, data were collected through surveys involving 108 SMEs selected via simple random sampling. Data analysis was conducted using Structural Equation Modeling with the Partial Least Squares (SEM-PLS) method. The findings reveal that budget planning, financial literacy, and access to finance have a significant positive impact on financial sustainability. However, accounting literacy does not show a significant influence. These results highlight the importance of strengthening internal competencies to improve SME financial resilience. The study contributes to the literature by integrating internal capability variables within the RBV framework and offers practical insights for SME development strategies in similar regional contexts. Keywiords: SMEs; Budget Planning; Financial Literacy; Access to Finance; Financial Sustainability

This research aims to know and analyze influence of entrepreneurial personality, information access and innovation on the small business Performance in the city of Makassar . This research uses a explanatory research method, and the population is entire small businesses registered in the Department of Cooperatives and SMEs Makassar. The small business criteria based on criteria according to Act No. 20 of 2008 about the micro, small and medium enterprises (SMEs). Samples in drag with simple random sampling method and maximum Likehood method of estimation (ML) by the number of respondents who shared 100 . Data analysis was done using structural equation model Structural Equation Modeling or (SEM) Results of the analysis show that the entrepreneurial personality, information access and innovation influential positive and significant to small business Performance in the city of Makassar

transfer, create conditions for the establishment of farmers' behavioral psychological contracts in the process of agricultural land transfers, and guide farmers to establish relationship psychological contracts. The second is to improve the market system, properly cultivate and develop agricultural land transfer intermediaries, reduce transaction costs, and reduce the probability of farmers' psychological contracts being broken. The third is to guide farmers to establish a positive agricultural land transfer psychology based on their resource endowments such as labor force quality and cultural quality, and encourage farmers to make agricultural land transfer decisions such as subcontracting, leasing, reselling, and interchanging.

Marketing is an activity that needs to be carried out by companies, both goods and services companies in an effort to maintain the viability of their business. The purpose of this study is to analyze and examine the effect of Product Quality on Purchase Decisions through Consumer Trust as an Intervening Variable. The population of this research is the consumer of Nina Cemilan in Prajekan Bondowoso. The sampling technique was determined by simple random sampling. For data analysis and hypothesis testing in this study using the Structural Equation Model - Partial Least Square (PLS-SEM).
 The results of the direct influence hypothesis test using the Smart PLS 3.0 application, which shows that Product Quality has a significant positive effect on Consumer Confidence, Product Quality has a significantly positive effect on Purchase Decisions, Consumer Trust has a significantly positive effect on Purchase Decisions, Product Quality on Purchase Decisions through Consumer Trust positive significant effect.

The life sustainability of the company in a very competitive competition requires good management in order to be able to maximize product sales, especially at the Hanaa Beauty Store Situbondo. The purpose of this study was to examine the effect of product quality and celebrity endorser on custmer buying interest through brand image as an intervening variable at Hanaa Beauty Store Situbondo. This research is an explanatory research. The population in this study were consumers of Ms Glow product at Hanaa Beauty Store Situbondo. The sampling technique in this study was determined by simple random sampling. The data analisys and hypothesis testing in this study used a structural equation model – partial least square (PLS-SEM). The results of the direct influence hypothesis test using PLS 3.0, show that product quality has a positive but not significant effect on brand image, celebrity endorser has a significant positive effect on brand image, product quality has a significant positive effect on buying interest consumers, celebrity endorser has a significant positive effect on consumer buying interest. The results of the indicate that the product quality variable on consumer buying interest through brand image has a positive but not significant effect, celebrity endorser on consumer buying interest through brand image has a significant positive effect.

The purpose of the study was to determine the effect of service and price on purchasing decisions through product quality at Waroeng Kopi Kayu Mas, Asembagus District, Situbondo. The sampling technique used in this study was simple random sampling with the Slovin formula with a tolerable error rate of 10% as many as 95 people. Data analysis and hypothesis testing in this study used the Structural Equation Model - Partial Least Square (PLS-SEM)
 The results of the direct influence hypothesis test using the Smart PLS 3.0 application, show that service has a positive and significant effect on product quality, price has a positive and significant effect on product quality. Service has a positive and significant effect on purchasing decisions. Price has a positive and significant effect on purchasing decisions. Product quality has a positive and significant effect on purchasing decisions, service has a positive and insignificant effect on purchasing decisions through product quality, price has a positive and significant effect on purchasing decisions through product quality

In the digital era that continues to develop, information technology has brought significant changes to various aspects of human life. One of the clearest impacts is in the field of education. In this era, learning is no longer limited to physical classrooms and textbooks, instead, electronic learning or e-learning has become a popular alternative for accessing knowledge and learning online. This research aims to analyze the relationship between e-learning variables and school performance, the relationship between digital transformation variables and school performance and the relationship between digital innovation and school performance. The study uses a quantitative method approach and data analysis using the Partial Least Square -Structural Equation Modeling (PLS-SEM) approach. Research data was obtained by distributing an online questionnaire form via social media platforms. The questionnaire was designed to contain statement items on a Likert scale from 1 to 7. The respondents for this research were 467 school principals in Indonesia who were determined using the sample determination method, namely simple random sampling. The stages of research data analysis are validity testing, reliability testing and hypothesis testing or significance testing. The independent variables in this research are e-learning, digital transformation and digital innovation, the dependent variable in this research is school performance. The results indicate that e-learning, digital transformation, and innovation had positive and significant effects on school performance.

Marketing has a significant influence on consumer purchases of the products or services offered, for marketing success, both in terms of product and service marketing. The purpose of this research is to analyze and test the effect of price and product variety in determining consumer satisfaction with purchase decision as a variable. intervene. The population in this study are consumers of trust shops in Situbondo. The sampling method was determined by simple random sampling. Data analysis and hypothesis testing in this study used the Structural Equation Model - Partial Least Square (PLS-SEM).
 
 The results of the direct effect hypothesis test using the Smart PLS 3.0 application, show that price has a significant positive effect on purchasing decisions, product variety has a significant effect on purchasing decisions, price has no significant effect on consumer satisfaction, product variety has no significant effect on customer satisfaction, purchasing decisions have a significant effect positive on consumer satisfaction. The results of the indirect effect hypothesis show that the price variable on consumer satisfaction through purchasing decisions has a significant positive effect, product variety on consumer satisfaction through purchasing decisions does not have a significant effect.

The purpose of the study was to determine the effect of Investment Knowledge and Technological Advances on Investment Decisions with Investment Interest as an Intervening Variable (Student Study of Management Study Program, Abdurachman Saleh Situbondo University). The sampling technique used in this study was simple random sampling with the Slovin formula with a tolerable error rate of 10% as many as 87 people. Data analysis and hypothesis testing in this study used the Structural Equation Model - Partial Least Square (PLS-SEM)
 Based on the research results, it is known that investment knowledge has a significant effect on investment interest, technological progress has a positive and significant effect on investment interest, investment knowledge has a positive and significant effect on investment decisions, technological advances have a positive and significant effect on investment decisions, investment interest has a positive and significant effect on investment decisions. Investment decisions, investment knowledge has a positive but not significant effect on investment decisions through investment interest, technological advances have a positive and significant effect on investment decisions through investment interest.

The Regional Revenue Agency is a regional government organization that regulates and manages regional taxes and levies. The target population in this research is the civil servants of the Situbondo Regional Revenue Agency. There were 40 respondents in this study. The sampling technique used was simple random sampling. Data analysis and hypothesis testing in this research used the Partial Least Square - Structural Equation Model (PLS-SEM). Organizational culture, work environment, and work motivation are essential components in maintaining the stability of employee performance. This research aims to determine the influence of these factors on performance through job satisfaction as an intervening variable. The results of the direct influence hypothesis test using the Smart PLS 3.0 application show that organizational culture has a positive but not significant effect on job satisfaction, the work environment has a positive but not significant effect on job satisfaction, work motivation has a negative but not significant effect on job satisfaction, organizational culture has a significant positive effect on performance, work environment has a significant positive effect on performance, work motivation has a negative but not significant effect on performance, and job satisfaction has a positive but not significant effect on performance. Then, the results of the indirect effect hypothesis test show that the organizational culture variable on performance through job satisfaction has a positive but not significant effect, the work environment on performance through job satisfaction has a positive but not significant effect, work motivation on performance through job satisfaction has a negative but not significant effect.

The focus of this study is on lecturer’s use of online technology in the higher education context. Precisely, this study aims to understand the effect of personal innovativeness in IT (PI) in determining technology adoption behavior of lecturers in the higher education institutes in Sri Lanka. In this study, the variable of personal innovativeness in IT is integrated with the UTAUT framework and thereby the causal paths which effects VLE adoption intention of individuals is examined. Literature suggests that domain-specific innovativeness is a crucial factor in determining an individual’s adoption of technological innovations. Therefore, understanding the multifaceted effects of this factor along with other significant factors can help higher education institutes to effectively endorse online technology among lectures, generating productive payoffs in the long run. The quantitative method was used for data collection, which yielded # 1253 responses through the Question Pro online survey tool. The targeted respondents were the registered lecturers in higher education institutes of Sri Lanka, selected based on simple random sampling method. Structural equation modelling (SEM) procedure was employed for data analysis using IBM SPSS (ver.21) and AMOS (Ver.26). The structural path analysis resulted in partial mediation, confirming that “lecturer’s innovativeness in IT” exerts its influence on VLE adoption intention by altering the mediators set in the study. Further, the study validated a unique set of factors that determine lecturer’s acceptance of VLE in a higher education setting.

A company in winning the competition is by carrying out marketing strategies for the products that have been produced. The advantage in competition in the business world is to form a brand image. Thrift AW Store is one of the stores that sells used imported clothing in Situbondo. The purpose of this study was to test and analyze the effect of Brand image in moderating product quality and price on purchasing decisions. The population in this study were consumers of Thrift AW Stores in Situbondo. The sampling technique determined using simple random sampling. Data analysis and hypothesis testing in this study used the Structural Equation Model - Partial Least Square (PLS-SEM). The results of direct influence hypothesis testing using the Smart PLS 3.0 application, show that product quality has a significant positive effect on purchasing decisions, price has a significant positive effect on purchasing decisions, brand image has a positive but insignificant effect in moderating the effect of product quality on purchasing decisions, brand image has a negative but insignificant effect in moderating the effect of price on purchasing decisions.