Application of Theory Reasoned Action in Intention to Use Islamic Banking in Indonesia. This paper investigates the constructs of Theory of Reasoned Action (TRA), and Theory of Planned Behavior (TPB) (attitude, subjective norm, religion, knowledge, pricing, and government support) on customer behavioral intention and Islamic banking selection. This research using Partial Least Square Structural Equation Modeling with variables such as: attitude, subject norm, religion, knowledge and government support, and pricing. The result shows that attitude, subject norm, religion, knowledge and government support are statistically significant effect on intention to select Islamic bank in Indonesia. Pricing however is not significant. The results imply that Indonesian Islamic banks should strategize ways to develop positive attitude and reference amongst their customers through greater dissemination of knowledge about Islamic banking while emphasizing on the religious compliance.

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Nowadays, Small and medium enterprises (SMEs) play essential role for the development of the economy. Thus, any improvement on the performance of such organizations may contribute significantly on overall economy. The purpose of this paper is to analyze the effect of business sphere on competitive advantage and business performance. In addition we study the effects of the competitive advantage on business performance of SMEs through a quantitative approach and by considering 50 businessman SMEs built by Surabaya Trade Service Department. Data collection in this study was prepared by distributing questionnaires. Data analysis technique used in this research is SEM analysis with PLS. The results indicate that: (1) business sphere influences on business performance of SMEs under the Surabaya Trade Service Department; (2) business sphere has substantial influence on competitive advantage of SMEs in the Surabaya Trade Service Department; (3) competitive advantage sphere has substantial influence to business performance of SMEs built by Surabaya Trade Service Department.

Social media are increasingly influencing and changing the way consumers behave, and how they make the decision to buy the cosmetics online via Facebook, Instagram, WhatsApp, and telegrams. The importance of cosmetics has increased, as many people want to stay young and look attractive. Therefore, the purpose of this study was to investigate the mediating effect of social media on the consumer behavior and intention to purchase the cosmetic product in Brunei Darussalam based on Theory of planned behavior (TPB). Consumer behavior is determined by the individual's intention to perform the behavior, intention is determined by attitudes toward the behavior, which are informed by beliefs needed to engage in the behavior; subjective norm, the social pressures to perform or not to perform the behavior and perceived behavioral control refers to people's perceptions of their ability to perform a given behavior. The study adopted a descriptive research design in form of crosssectional and survey in nature. A sample size of one hundred and eighty-seven (187) respondents drawn from Brunei Muara district of Brunei Darussalam. Stratified random sampling was used as all the respondents were drawn from different levels or strata within the district. Structured questionnaires were used for data collection with help of Personal Research Assistant as they were easy to administer and cheap in terms of cost and time by hand delivery. Data was collected and analyzed by use of Structural Equation Modelling-Smart Partial Least Square SEM-PLS. The reliability, content validity, discriminant validity and convergent validity are determined from the measurement model while structural model assessment, was done to test the significance of path coefficients for hypothesis testing of direct and indirect relationships. The results of the findings revealed that there is a strong significant positive impact on attitude, subjective norm and perceived behavioral control on consumer intention/buying behavior to purchase cosmetic products. Also, the social media has a significant positive mediating effect on consumer behavior and intention to purchase the cosmetic product in Brunei Darussalam. The conclusion of the findings was that the cosmetic products quality, price, friends, and acquaintances are important factors that will change the consumer behavior unexpectedly. Based on the findings, the results stated that the consumer buying behavior on cosmetic products through social media can be predicted by attitude, subjective norm and perceived behavioral control. The study made a recommendation and suggestion for future research.

This paper aims to identify the level of competition and the level of banking efficiency and develop a conceptual framework to examine the effect of the level of banking competition, the characteristics of banks on efficiency and competitive advantage of banking. To discuss the topic studied in this paper, the Literature Review method is used. The steps in creating a literature review are described as follows: First, determine the sources for the review literature material that is in accordance with the topic of this paper. Secondly, evaluating the contents contained in the sources of the literature study that was determined. Third, make a summary of the contents of the literature study resources. And fourth, explore new thoughts and ideas on topics that are subject to study to determine the positioning of the concept as the material for subsequent research. This finding shows that the level of competition, characteristics of banks influence in increasing competitive advantage through efficiency in the banking sector.