The purpose of this study was to analyze the effect of financial literacy on operational performance, financial inclusion on operational performance and the effect of financial literacy on sustainable supply chains and the impact of financial inclusion on sustainable supply chains in SMEs in Indonesia. The research method is quantitative through online surveys with the Google form, data collection by distributing online questionnaires to 590 SMEs owners in Indonesia who were selected by simple random sampling. The online questionnaire was designed using a Likert scale of 5 and distributed via social media. Data analysis used structural equation modeling of partial least squares (SEM-PLS) with data processing tools using SmartPLS 3.0 software. The stages of data analysis are validity-reliability test and hypothesis, or significance test used in this study using a Google form which will be distributed to respondents. This questionnaire measurement method uses a Likert Scale of 5, namely Strongly Disagree (STS), (2) Answers Disagree (TS), (3) Neutral Answers (N), (4) Answers Agree (S), Strongly Agree (SS). The results of this study indicate that financial literacy had a positive and significant effect on operational performance, financial inclusion had a positive and significant effect on operational performance, financial literacy had a positive and significant effect on sustainable supply chains and financial inclusion had a positive and significant effect on sustainable supply chains in SMEs in Indonesia. The novelty of this research is the model relationship between Financial Literacy and Financial Inclusion, Operational Performance, SME Sustainable Supply Chain which has never been explained in previous studies.

The paper aims to analyze the influence of the effectiveness of strategic decisions on organizational excellence, through employee empowerment, as an intermediate variable in Qatari commercial banks, where this study is quantitative and uses the descriptive cause-effect approach. The population of this study includes all directors, assistants, deputies, department managers, and branch managers in the six Qatari Commercial Banks, while the field survey method was used for this study. The population number was 336 participants from whom the researchers retrieved 270 questionnaires valid for statistical analysis. The study found that: the level of effectiveness of strategic decisions on organizational excellence and employee empowerment in Qatari commercial banks is high. The findings also showed that there was a significant effect of the effectiveness of strategic decisions on organizational excellence through employee empowerment as an intermediate variable. The study recommended the need for more studies to maintain the approach of the effectiveness of strategic decisions and employee empowerment in Qatari commercial banks, for their important role in organizational excellence, specifically giving freedom of action to employees to solve and encounter work problems.

Betawi Ora is an indigenous tribe that lives in Bekasi which is a region of West Java. In terms of cultural distribution, Betawi itself is a tribe originating from Jakarta, but geographically it spreads to the West Java region. The existence of Eco-culinary products cannot be separated from the supply chain management system and environmental sustainability because Eco-culinary is a food that represents the existence of raw materials provided by the environment where the community exists. Based on the background and urgency of this research, the purpose of this research is to find out the relationship between Supply Chain Management, Eco-culinary Product and Environmental Sustainability both directly and indirectly where Eco-culinaru Product mediates the relationship between Supply Chain variables Management and Environmental Sustainability variables. The respondents in this study were 210 managers of Betawi Ora restaurants in Bekasi West Java, Indonesia and employees who maintain supply chain management in that restaurant. Data collection and processing were carried out using the Generalized Structured Component Analysis (GSCA) method. The analytical approach uses the least squares method in the parameter estimation process. The research method is a quantitative survey, analysis of research data is performed using structural equation modeling partial least squares (SEM-PLS) with statistical data processing tools, namely Smart PLS 4.0 software. Results of this research show that supply chain management had a significant effect on environmental sustainability which is mediated by eco-culinary products. Thus, it can be concluded that good quality of supply chain management will be able to produce quality products, and it must be an important consideration that the goal of everything is to create and maintain Environmental Sustainability.

Investment in non-fungible tokens (NFTs) has decreased dramatically over the past two years, despite the financial value and potential importance of NFTs for the future of the economy and the current decentralized marketplaces. This study investigated the barriers influencing customers' resistance to investing in NFTs using the innovation resistance theory (IRT) components such as usage barriers, value barriers, risk barriers, tradition barriers, and image barriers. The data was gathered from 375 investors via an online questionnaire. To assess and evaluate the suggested model and its hypotheses, responses were investigated using a partial least square structural equation modeling approach (PLS-SEM). The findings indicate that the five resistance-related barriers are all substantial deterrents to investing in NFTs. The usage barrier was the most significant barrier, whereas the value barrier was the least significant. The study's findings have far-reaching implications for academics, NFTs’ marketplaces, policymakers, and investors.