The purpose of this research is to analyze the conceptualization of religiosity and spirituality, as well as to validate the measurement and influence of both constructs on frugality. The importance of this study is to find out whether religious and spiritual individuals have a high of frugality. Frugality as a form of self-control, in the long term can create the welfare of consumers. This is a quantitative research that uses a survey method. The sample, comprising of 539 adults, was taken from the general public. A validation of the construct measurements was done by using an exploratory factor analysis, and a data analysis was carried out by using a multiple regression. The research results reveal that there are differences between religiosity and spirituality. The hypotheses results disclose that there was an insignificant influence of religiosity on frugality, while spirituality had a significant influence on frugality. Testing was also done by classifying the sample based on gender. In the sample of women, it was discovered that religiosity had a significant influence on frugality. Meanwhile, in the sample of men, only spirituality had a significant influence on frugality. It is concluded that the effect of religiosity on frugality was moderated by gender.

Creative industries are developing rapidly in Bandung, one of which is the culinary industry. Besides fashion, culinary becomes one of the attractions for tourists visiting Bandung. Even though it is proliferating, only a portion of this culinary business can last more than five years. Intense competition is one of the reasons, and now businesses must face economic problems caused by the spread of the SARS CoV 2 virus. Since the beginning of March, the government has closed offices, shopping centers, and schools. Now, after more than two months, businesses must prepare to reopen their businesses in conditions of an outbreak that have not entirely disappeared. One effort that can be done is to maintain company performance. This research studies the improvement of company performance by being oriented to innovation, creativity, and entrepreneurship. The results of the study revealed that product innovation and process innovation could support company performance while innovation could emerge through an entrepreneurial mindset, culture, leadership, and through creativity.

E-sellers need to build buyer confidence in new transactions through a variety of transaction services so they can create retention behavior drivers. The research aim is to examine the driving factors for shaping customer retention by understanding the pattern of transaction characteristics and trust in online purchases in e-commerce. Questionnaire data collection came from buyers in the top six e-commerce in Indonesia with a purposive technique. We use PLS-based SEM analysis to answer hypotheses. As a result, we accepted all hypotheses, namely customization, contact interactivity, care, and character factors that had positive and significant effects on trust and buyer retention. Trust has proven to be an essential factor in shaping buyer retention on e-commerce sites.

Manufacturing flexibility is critical for businesses in adapting to the unstable conditions cre-ated by environmental influences such as consumer demand complexities, raw material disruptions, and industrial policy changes. In order to analyze the way of improving manufacturing flexibility, this study suggests that strategic supplier integration (SSI) and strategic customer integration (SCI) lead to the flexibilities in production process, resulting in high financial performance. This research measures the analysis of structural equation modelling based on empirical data obtained from 139 manufacturers in Indonesia. The study aims to shed light into how manufacturing flexibility mediates the impact of strategic external integration on financial performance within the bottled drinking industry in Indonesia. The study reveals that both SSI and SCI had a major impact on financial performance, while they indirectly increase the financial performance through manufacturing flexibility.

Many startups fail, and we still do not know why. It is the purpose of this study to know if a relationship exists between business model innovation and startup, and whether networking and competitive advantage can improve their relationship. We hypothesized that business model innovation relates to startup and that networking and competitive advantage significantly enhance the relationship between business model innovation and startup. Fifty-one respondents participate in this study. The partial least square statistical technique is used to analyze the data. This analytical technique is appropriate for parametric analysis for such a sample size. The null hypothesis that no relationship exists between business model innovation and startup is rejected. The null hypothesis that networking and competitive advantage is not related to business model innovation is also rejected. However, the null hypothesis that there is no direct relationship between networking and startup is accepted; the association is not direct but indirect. The null hypothesis that no direct association between competitive advantage and startup is rejected. There is a negative association between competitive ad-vantage and startup. Both networking and competitive advantage improve the relationship between business model innovation and startup. However, they must be used with caution.

The purpose of this study is to analyze the impact of implementing ISO 9001: 2015 on the performance of manufacturing companies in Indonesia. Data collection is accomplished by online questionnaire via google form and data processing is performed using partial least square with the Lisrell program. Respondents of this research include 210 top management of Indonesian industries implemented ISO 9001:2015 and they are selected by the snowball sampling method, where each respondent helps distribute questionnaires to other respondents. The results of this study show that the organization had significant effect on employee performance, leadership had significant effect on employee performance and planning had significant effect on employee performance. In addition, support had significant effect on employee performance, operation had significant effect on employee performance, performance evaluation had significant effect on employee performance and finally, improvements had significant effect on Employee Performance.

The purpose of this study is to determine the impact of applying the principles of Good Corporate Government on the quality of alms services and measure the effect of these service standards on the compliance and satisfaction of alms services for alms payer (muzzaki). The method used in this research is Structural Equation Modeling (SEM) model measurement test with simple random sampling technique and the data is processed using AMOS 22 software. The benefit of this research is to find out whether the application of the principles of Good Corporate Government is able to influence compliance and muzzaki satisfaction in paying their alms obligations so that alms management organizations can find out what factors need to be considered in optimizing their participation in fulfilling their alms obligations with full awareness.

This study aims to analyze the role of women and the strategic dimensions in accelerating poverty reduction. In the midst of the pandemic situation Covid-19 caused many medium and large businesses that experienced a downturn. Micro businesses began to grow amid the economic difficulties faced by the community to be able to survive. The role of women in accelerating the poverty reduction through the management of micro businesses is a top priority for sustainable development. This research is located in Buleleng Regency, Bali Province and uses quantitative methods. Primary data sources were obtained using questionnaires sent to respondents. The data analysis method uses multiple linear regression. The population consists of micro-enterprises managed by women in 2019 of 246 businesses. The selecting samples method is based on convenience sampling and the entire population was sampled in this study. The results in this study indicate that financial literacy and women empowerment had positive and significant effects on women performance in micro-businesses. Interest in using e-commerce had no effect on women’s performance in micro businesses. Without the use of e-commerce, it is believed that women in micro-businesses will be increasingly left behind by other business actors, and age matters in association with technology and competition between other business actors which will be tighter to have an impact on performance and sustainability of the business.

This paper examines the influence of Financial Literacy on savings behavior that is improved by storing intentions and attitudes towards savings. Also, the study investigates the effect of subjective norms on saving behavior that is mediated by attitudes toward austerity. Research subjects were primary data from 469 young workers who worked in the DKI Jakarta area in 2018. Data were collected online by distributing questionnaires using Google Docs and they were analyzed using SEM-PLS. The research findings prove that financial literacy affects saving behavior, both directly and indirectly through the variables of saving intention and attitude to saving mediation. Other findings prove that subjective norms do not directly affect thrifty behavior, but had indirect effects through attitudes toward thrifty variables. This study offers alternative models of researchers associated with frugal behavior with theories of planned behavior theory with predictors of financial literacy and subjective norms to improve frugal behavior proving that saving intentions and attitudes towards saving can mediate financial literacy. Furthermore, a mediator's attitude towards savings can improve the subjective norm relationship with saving behavior. Thus, the planned behavior theory can explain the relationship between financial literacy and subjective norms by storing behavior. This is an initial empirical study that attempts to examine the relationship between financial literacy and subjective norms and their impact on savings behavior that is mediated by saving intention and attitude towards saving.

This study aims to investigate the implications of service quality and brand credibility on passenger satisfaction and behavioral intentions in the air transportation industry in Indonesia, especially at Lion Air. This research is motivated by the high level of passenger complaints against Lion Air services in seven years, according to the Indonesian Consumers Foundation (YLKI). The most common complaints include frequent flight delays, less timely return of tickets, damage and lost luggage, even lower safety guarantees. This is considered not only as a manifestation of poor service quality, but also affects brand credibility in the long run. In addition, poor service quality and brand credibility show low passenger satisfaction and influence changes in their behavioral intentions in the future. Respondents in this study were Lion Air passengers at least once several times using Lion Air in the last two years. The study uses Structural Equation Modeling and Partial Least Square (SEM-PLS) to examine the hypotheses of the survey. Data analysis techniques are carried out through three stages, such as inner models, external models, and hypothesis testing. Then, this study states that there is a positive and significant impact of service quality and brand credibility on behavioral intentions with passenger satisfaction as a mediating variable.