BackgroundAlthough Indonesia is one of the world's most populated countries with a high penetration of internet usage there has been little research on SNS usage in Indonesia, especially involving children. Instead, SNS research in Indonesia has focused on university students and political, marketing, and disaster mitigation issues. Aim/Purpose In order to address this gap a theoretical model is formulated from a review of previous studies incorporating basic constructs found in the Technology Acceptance Model (Perceived Usefulness, Perceived Ease of Use, and Attitude) as well as other influences, motivations, and individual characteristics that affect a child's attitude toward the use of SNS. Methodology The model is evaluated and developed using data collected from 460 children in primary school grades 4, 5, and 6 in five cities in Indonesia. The statistical techniques implemented with SPSS and Amos computer software (t-tests, correlation coefficients, principal component factor analysis, Cronbach alpha coefficients, and structural equation modeling (SEM) analysis). FindingsThe results confirm many of the effects on a child's attitude toward SNS reported in previous studies due to: the usefulness and ease of use of SNS; parental influence; feelings of flow experience and risk; and the child's level of access, technical expertise, and experience with SNS. New findings include significant correlations and causal effects involving: the influences of peers and parents; the child's level of technical expertise; and feelings of flow experience. Contribution Despite limitations related to sampling and the administration of a questionnaire among young children, the findings contribute to theory as well as practice and provide guidance on effective ways to improve children's attitudes towards the use of SNS.

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Loan is becoming essential need in this modern life. Banks need to keep their NPL ratio low in order to maintain their financial health. One of customer’s screening techniques is credit scoring. Decision tree is a simple method to classify a condition into two different classes using given classifier, and widely used to perform credit scoring in the financial industry. We integrated Iterative Dichotomizer 3 and Boosted Decision Tree methods and used Microsoft Azure Machine Learning tools to perform credit score profiling. This study is cross sectional in time and using 600 instances data of loan submission in Tangerang, Indonesia. The result shows good performance with performance evaluation metric of accuracy, precision, recall, and F1 score are 0.85, 0.885, 0.793 and 0.836 respectively.

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<p><em>Due to the advancement of information technology today, the city government is not only thinking about the issue of promotion, strategy, media, branding, but must have started to create an image for the external and internal environment of the government so that the stakeholders will always feel close to the city government. But unfortunately not all cities have a Public Relations (PR) that is reliable and able to make an Integrated Marketing Communication (IMC) strategy based on Information and Communication Technology (ICT) which will have a major influence in building the image of the city.  A positive city image of the city will be one of the attractions of investors and tourists, so that in the end the city will be ready to face global competition.</em></p><p><em>The purpose of this research program is to describe ICT-based integrated marketing strategies from the Surakarta City Government in an effort to improve City Image and model the IMC strategy in the Surakarta City Government that is applicable and effective in an effort to increase the City Image of the City.</em></p><p><em>The results showed that the city of Solo actually had elements listed in the construction of the image of a city, namely elements: path, edge, node as well as district (region) and also land mark from the city Solo. All of these elements have been summarized in the application that they have made, namely the "Solo Destination" application.</em></p><p><em>The marketing strategy is not maximally used, both from personal selling, direct marketing and from also from public relations team, therefore in the future there needs to be an accurate socialization and strategy in marketing this application. A integrated marketing strategy model has been created with the name is “City image blooming model" where the involvement of all elements is needed in building the image of Surakarta/</em><em> </em><em>Solo city.</em><em></em></p><p><em> </em></p><p><em>Keywords : Integrated Marketing Strategy, Public Relations, Information Communication  and Techonology ( ICT )</em></p>