PurposeThis paper aims to explore employee perceptions of companies engaged in services and banking of the role of change leadership on the application of artificial intelligence (AI) that will impact the performance and work engagement in conditions that are experiencing rapid changes.Design/methodology/approachThis study has used a quantitative research approach, and data analysis uses an approach structural equation modeling (SEM) supported by program computer software AMOS 22.0. A total of 357 respondents were involved in this study, but only 254 were qualified. In this study, the respondent is an employee of companies engaged in the services and banking sector in the East Java, Indonesia region.FindingsThe results reveal that AI has a significant positive effect on employee performance and work engagement. Change leadership positively moderates the influence of AI on employee performance and work engagement.Originality/valueThe development of this model has a novelty by including the moderating variable of the role of change leadership because, in conditions that are experiencing rapid changes, the role of leaders is essential. After all, leaders are decision-makers in the organization. The development of this concept focuses on studies of companies engaged in services and banking. Employee performance is an essential determinant in the organization because it will improve organizational performance. In addition, the application of AI in organizations will experience turmoil, so that the critical role of leaders is needed to achieve success with employee work engagement.

Purpose of the study: The purpose of the study was to compare the financial information, financial self-efficacy and emotional intelligence on the financial management of women lecturer in state and private university. Methodology: This study was designed as a conclusive causality study. The study population was female lectures of state and private universities in Indonesia. From the population, there are two hundred (200) female lectures from a state university and private universities have selected as a sample of study by quota sampling method. The data collection techniques used in this research are interviews and surveys. Multiple regressions was chosen to get results with the SPSS tools. Main Findings: There is an influence of financial knowledge, financial self-efficacy, financial literacy, and emotional intelligence to the financial management behavior of female lecturers at state universities while there is no influence of financial attitude, financial literacy, and emotional intelligence to the financial management [behavior] of female university lecturers in private universities. Applications of this study: The results of this study will be beneficial for financial institutions and governments that usually hold education and training programs for their customers to increase financial knowledge so as to increase the confidence of their customers (including lecturers) in their ability to manage finance. Furthermore, this knowledge will be conveyed back to the students of the lecturer in the learning process about finance, so that it will indirectly increase the financial literacy of their students and society at large. Novelty/Originality of this study: Many researches about financial behavior topics have analyzed financial information factors’ influence on financial management behavior, but few of them have included psychological factors such as financial self-efficacy and emotional intelligence. This distinguishes this research compared to other studies of financial behavior as it analyzes the two effects of psychological factors on financial management behavior. Another novelty of this study is the selection of female lecturer as research object as their characteristic as well-informed and well-educated about financial management that has not observed by previous studies.

Financial inclusion is one of the interesting discussions in global economic development. Indonesia is a country in ASEAN which has the most rapid increase in financial inclusion in recent years. In the era of the industrial revolution 4.0, everyone is required to be able to follow the development of existing technology and information. This study aims to determine the influence of independent variables (financial literacy, financial technology, demographics) on the dependent variable (financial inclusion) in the City of Surabaya. This study is a causality study with quota sampling. The data of this study is quantitative by collecting data by questionnaire. The data analysis technique used is multiple linear regression. The result of this study based on t statistical tests show that financial literacy, age, and education have a positive effect on financial inclusion. While the variables financial technology, gender, and income did not affect on financial inclusion. Based on the statistical test f, all of the independent variables simultaneously influence the dependent variable (financial inclusion).

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Female workers do not always get the same rights as their male colleagues. Many women are forced to dispel their desires to become structural career women because they are unable to compete with men. Therefore, it is necessary to have clear performance measurements to prove that female teachers also have good performance. The research was conducted using explanatory research with a quantitative approach. The test was conducted by SEM analysis techniques using AMOS. The study found a significant influence between Emotional Intelligence on Job Satisfaction as well as Job Satisfaction on Commitment. In the next test it was found that Job Performance was only influenced by family conflict in a negative direction, while Commitment and Job Satisfaction had no effect on Job Performance.

The purpose of this study is to measure the level of financial literacy of working women, to describe assets allocation, as well as the time and profit in investment. This research paper is a qualitative study using the descriptive method. Noting the purpose, it is suitable if the qualitative approach was implemented. The respondents are working women with most of them have been married, 16-22 years old on average, have a bachelor degree, and work in the government sector with the majority of the income is more than 4.000.000 rupiahs. Those respondents’ characteristics will influence their choice in doing investment because it is associated with the tolerance of risks. The first form of behavior and preference of investment done by working women is that majority of them have thought about investment plan and most of the respondents think that everyone can get profitable investment if they do financial planning and saving/investment. The second form of behavior is that the majority of respondents are more interested in property investment. The third form of behavior motivating working women in doing investment is themselves, like retirement planning and family security reason. Based on the study, it shows that working women have high financial literacy which is indicated by their discipline in doing the investment of their excess money, thus they have control over their finances and believe to get investment profit they should do financial planning.

Penelitian ini menggunakan data tingkat rumah tangga yang diambil dari Indonesia Family Life Survey (IFLS) 4 dan 5. Tujuan dari penelitian ini adalah untuk mengetahui dampak dari literasi keuangan pada kesejahteraan rumah tangga di Indonesia. Penelitian ini menggunakan model probit dalam melakukan estimasi hasil. Variabel kesejahteraan rumah tangga diukur menggunakan standar gari kemiskinan tingkat probvinsi pada Semester 2 tahun 2014. Variabel eksplanatori pada penelitian ini meliputi: pengetahuan rumah tangga atas lembaga resmi penyedia pinjaman, kepemilikan akun rekening pada rumah tangga, usia kepala keluarga, lama pendidikan dari kepala keluarga, jumlah anggota keluarga, dan jumlah anggota keluarga yang bekerja. Variabel pengetahuan rumah tangga atas lembaga resmi penyedia pinjaman dan kepemilikan akun rekening pada rumah tangga merepresentasikan variabel literasi keuangan. Hasil dari penelitian ini menunjukkan bahwa rumah tangga yang memiliki pengetahuan pada lembaga resmi penyedia pinjaman memiliki peluang menjadi sejahtera sebesar 2,88 persen lebih tinggi dibandingkan yang tidak mengetahuinya. Rumah tangga yang memiliki akun tabungan juga memiliki peluang lebih sejahtera dibandingkan yang tidak, yaitu sebesar 5,36 persen.

This study analyzed the impact of demography and socioeconomic status on individual health status in Indonesia. The data used Indonesia Family Life Survey 5 (IFLS 5). The study use logit regression model for analysis with health status variable as dependent variable. The other variable such as demography and socioeconomic status as independent variables. Socioeconomic status seen from two measures, namely education and income. The result of this study concludes the demography influence significantly on individual health status in Indonesia. Individual who lives in urban area has higher probability of being health by 1,02 percent compared to individual who lives in rural area. The other variable like socioeconomic status also influences significantly on the individual health status in Indonesia. Individual with longer years of education has higher probability of being health by 3,07 percent compared to individual with less years of education. Individual with high income has higher probability of being health compared to individual with low income.