The purpose of this study is to analyze the relationship between brand image, product knowledge and perception of profit sharing toward intention to use of Islamic Banking products in Indonesia. Data were obtained by distributing questionnaires to consumers who have not use Islamic Banking products in Indonesia. The collected data was analyzed by using SmartPLS. This study founds that brand image has a positive effect on intention to use, product knowledge has a positive effect on intention to use, and perception of profit sharing has positive effect on intention to use Islamic Baking products. Thus, this study focuses only on the Islamic Banks perspective. For the future researches are recommended to examine the internatl factors of consumers that influence intention to use Islamic Banking such as religiosity, attitude as mediating variable and product knowledge.

The banking crisis occurred as a result of the massive financial deregulation that lead the banks to expand their businesses on the large-scale and tends to increase the risk their portfolio, such as in the Asian and the US crisis. The aftermath of the crisis became the challenge for the government and regulators, as it required a tremendous amount of liquidity injection either from the international lender of last resort such as the IMF, or from the government (by using taxpayers money), undeniably it remains painful for the economic recovery. The banking reforms aim to strengthen the banks and the financial industry. There are numerous reforms agenda in every crisis, however this study focus on several issues that most often arises in every crisis. The most common issues are; (1) the presence of deposit insurance institution protecting the depositor's money to reducing public panics, and bank runs, (2) ensuring sufficient capital as a buffer to the crisis and liquidity management by adopting the Basel requirements. By comparing the banking reforms in the US, the UK, Indonesia, and Thailand, this study aims to give insight which reforms were the most effective to address the crisis and had an impact to the bank's performance, particularly in the profitability and also the economic performance, by measuring loan to GDP ratio. The result of this research are the banking reforms to some extent, have had a positive impact on the banking profitability in emerging countries. However, in the developed countries, the financial crisis and the banking reforms were not necessarily affected the recovery of the industry. Meanwhile, the banking reforms that focus on strengthening the regulation could slow down the economic growth as the banks become more prudent in giving the new loan. However, lowering the net interest margin could boost the lending growth. In the end, the policies recommendation are implementing the risk-based premium scheme on deposit insurance institution, and the implementation of counter-cyclical capital variation on the capital requirement.

Global warming and increasing environmental pollution are caused by human behaviour These facts have driven consumer to change their behaviour to become more environment-friendly. This study aims to analyze how psychological factor, namely green appearance consciousness (X1), environmental consciousness (X2), and green-self identity (X3) influence pro-environmental behaviour (Y). This research belongs to causal associations research. The data were obtained from 130 people, who implemented zero-waste lifestyle. In this study we used Partial Least Square analysis method to measure relationship between variables. The result shows that green appearance consciousness (X1) and environmental consciousness (X2) have significant influences to pro-environmental, while green self-identity (X3) does not have significant influences to pro-environmental behaviour (Y).

Retaining the loyal visitors to revisit is highly crucial for generating the revenue in tourism destination as well as reducing the marketing expenses, this empirical study has been designed to primarily explore factors that motivate Malaysia tourists to revisit Hatyai and to identify the key factors that affect Malaysia Tourists Destination loyalty behavior. The results of this study indicated that “destination attractiveness” “social interaction” and “Cost/Price/Value” were the most important destination attributes and travel motives for malaysia tourists revisit to Hatyai. Concerning Malaysia tourists destination loyalty behavior, the result reveals that “destination attractiveness” “social interaction” and “price/value/cost” predicts Malaysia tourists’ destination loyalty behavior with R2 = 58.9%.

Survival of Small Medium Enterprises (SMEs) is important in uncertainty and rapid advancement of digitalization nowadays, which leads to significant changes in the business environment. SMEs must be able to be resilient and face turbulence to survive and maintain business continuity. To support this resilience, digital leaders are required to help enterprises transform and lead them to a more promising future. Thus, SMEs have a digital mindset so that they can recognize and exploit opportunities, as well as overcome the challenges of surviving in an increasingly dynamic environment. Based on Social Exchange Theory and Resource Base Theory, this study examines the relationship between digital leadership and SMEs resilience through the mediation of employee creativity. Based on a sample of 179 SMEs from various sectors in Indonesia. The data were analyzed using AMOS-SEM by assessing construct validity and reliability, as well as measurement and structural models. The analysis confirms the effect of digital leadership on SMEs' resilience. The findings also provide support for the mediating role of employee creativity. The findings reveal the effect mechanism of digital leaders on SMEs resilience and enrich the literature on antecedents of SMEs resilience. Practical implications and future research are also discussed.

The purpose of this study is to find out what is the attraction or that makes people in Indonesia interested in buying electric vehicles. In this study using several variables, namely feelings of environmental responsibility, environmental values, environmental knowledge, perceptions of environmental advertising, perceptions of electric vehicles, and the intention of purchasing electric vehicles. This research is basic research and uses quantitative methods. The correlation and regression matrices used are then processed with the stages of measurement model and structural model. Respondents were obtained by distributing questionnaires to as many as 300 respondents who understood electric vehicles and / or environmental issues. The results showed significant results except for environmental knowledge and perceptions of environmental advertising on electric vehicles. Advertisements in circulation are still few and not affected by environmental knowledge so that purchase intentions cannot be encouraged through this.

Despite the rising interest, and existing huge literature on corporate social responsibility (CSR), up to now there is a scarce of research focused on small and medium-sized enterprises (SMEs) featured as discretionary about philanthropic actions mainly in small emerging markets, where is not an ecumenical assumed concept. This study address this issue by drawing upon the existing literature of CSR undertaking their actions to varying degrees in countless spaces particularly with special attention to the critical issue that cause SMEs either behind their setting to entrance global marketplace pertinent for firms’ strategic decisions in a world where CSR is often a viable tool, as well as seen as something more far-attainment, attractive at a much broader level with business operations and relations with markets that are more complex and turbulent time. In addition, CSR in some instances implicate institutional works pointed at tackling some gaps concerning the environment where SMEs operate. Derived from this, the current study present a set of propositions specifying the importance of useful insight issues consumers’ responses, norms and diffusion, competitiveness and social advantages, and forces preventing SMEs embarking in CSR on the business practices outlining a theoretical explanation. There are unavailable confronts for SMEs undertaking CSR, nonetheless by their very nature they have countless features that can aid the adoption of CSR, especially in small emerging markets.

The customer engagement behavior is an important concept for the company along with the increasing use of social media by consumers. Previous studies examined customer engagement behavior on social media by the role of technology factors or features on the brand page. Nevertheless, the role of individual consumer traits and the consumer-brand relationships on customer engagement in brands on social media are still limited. This paper aims to explore customer engagement behaviours to brands in social media. This explores the extent to which personality traits are related to consumer-brand relationship and customer engagement behaviours in social media. The findings are presented from a survey of Instagram users who engage with fashion brand pages. The data collecting was done by online survey from 209 respondents, age between 18 and 34 years. The results support four of the seven hypotheses with significant relationship between the constructs analysed. Customers with openness and extraversion tend to love brands. Openness performs engagement behavior to brands in Instagram but extraversion does not. On the other hand, individuals who have neuroticism tend not to love brands and not perform engagement behavior. Eventually, brand love is a strong customer motivation to perform customer engagement. This study contributes to existing literature by examining consumer behavior on social media in the presence of emotional motivation. This paper extends literature by studying combined effect of emotional motivation resulting from the presence of personality traits in individual customer behavior

Despite the urgency, the insurance penetration rate in Indonesia has been relatively low compared to other countries, even amid the pandemic. The lack of insurance literacy, trust in financial institutions, and the existence of asymmetry information has made people in Indonesia not purchase insurance products. The pandemic has caused people to realize how important insurance is to help their financial stability. Therefore, this study aimed to investigate customer behaviour in the insurance market during the post-pandemic. This research was conducted in Indonesia because of its low insurance penetration rate. The population of this research was insured people, while the sample's criteria were those aged between 30 to 55 years old, were guaranteed after the pandemic began, located in Indonesia, and still have an active income. This study used a quantitative method and measured the value weight using the 5-scale Likert Scale. The outcomes show that brand trust is vital in affecting insurance purchase intention. This research finds that customer engagement plays a positive but insignificant role in moderating the relationship between brand trust and purchase intention. The implications and suggestions also describe in this paper

Business Licensing for the Capture Fisheries Sub-sector is a capture fisheries business license policy for business actors that are carried out electronically. The purpose of this study was to analyze critical success factors (CSFs) for the implementation of capture fisheries business licensing at the Ministry of Maritime Affairs and Fisheries. This research is quantitative with the data collection method using a questionnaire. Respondents are executors of business licensing for capture fisheries at the KKP. Data analysis used Structural Equation Modeling (SEM) with SmartPLS 4.0 tools. The research results obtained stated that the implementation of the policy was influenced by the variable’s quick, clear, and two-way communication and the correct location of implementation. On the other hand, four other variables, including sufficient and effective use of budget, correct organizational structure, involvement of people, and adequate equipment and appropriate technology, are concluded to not affect on the performance of implementing business licensing in the capture fisheries sub-sector.