Researchers have emphasized the role of e-commerce for small enterprises in improving their performance. However, there is limited evidence on the use of e-commerce by small enterprises, and e-commerce adopters and non-adopters dealing with COVID-19. Therefore, the purpose of this study is to investigate the differences in the impact of COVID-19 on income between small enterprises that are adopters and non-adopters of e-commerce. This study also explored the impact of restrictions on community activities, the intention to adopt e-commerce, and the types of assistance required by small enterprises due to the pandemic. Data were collected through an online questionnaire survey among small enterprises that operate in the culinary field (1,024 small enterprises in Indonesia). The data were analyzed using descriptive analysis, cross-tabulation, and the Mann-Whitney test. This study finds that non-adoption of e-commerce caused small enterprises to experience a decline in income, which worsened due to restrictions of community activities, compared to adopters of e-commerce. Therefore, to overcome this negativity, small enterprises were pushed to adopt e-commerce. Finally, working capital assistance is the main assistance required due to the pandemic both by e-commerce adopters and non-adopters. This study has significant implications for how small enterprises and governments may benefit from e-commerce dealing with extreme disruptions such as the COVID-19 pandemic. AcknowledgmentWe are grateful to Mulawarman University for providing us with the funding necessary to gather the necessary data for the study and complete this empirical investigation. We also would like to thank two anonymous reviewers and seminar participants at Mulawarman University for their helpful feedback.

This study aims to analyze the benefits of e-commerce for small enterprises and its consequences before and during the COVID-19 pandemic. Furthermore, it examines the effects on the decrease in income of small enterprises and their response to a regulation restricting community activities. It also provides an outline of the support needed by small businesses. Meanwhile, a descriptive analysis and a paired t-test were used to analyze data (525 small enterprises in Indonesia) from an online questionnaire survey between May and June 2021. The results showed several significant discoveries, including the following: first, the COVID-19 pandemic resulted in a decline in revenue. Second, limits on community activities exacerbate the plight of small enterprises. Third, small enterprises sought several forms of assistance, with working capital accounting for the lion`s share of requests. Finally, substantial variations exist in respondents` perceptions of the benefits of e-commerce before and during the COVID-19 pandemic. Furthermore, these results contribute to the small medium enterprises literature and have significant policy implications for developing countries.

The natural tourism sector which still exists today is the beach. Beach attractions have brought economic, social, and cultural activities in an attractive environment. This study discusses at factors such as: tourist revenue, cost of travel, cost of travel to other attractions, travel time, and facilities, which influence the number of tourist visits in the Muara Badak district, in Indonesia. The study approach was designed by a survey and we conducted interviews with 99 questionnaires (domestic and foreign tourists). The use of the OLS model is used to simplify data analysis techniques. Empirical findings presented that tourist income and facilities significantly influence the existence of tourist visits. This is evidenced by the significance of the two variables are 0.007 and 0.035 (p <0.05). The implications of this study provide evidence of the importance of supporting factors such as travel cost and travel time for tourists because it is inseparable.

No abstract

Purpose: The ease of service provided by FinTech enables Micro, Small and Medium Enterprises (MSMEs) to run business operations to overcome problems such as capital and financial convenience. This study will describe the loan and payment services by using FinTech as a solution to the survival and growth of MSMEs in Indonesia. Method: To make it easier, we combine descriptive and qualitative research methods to explore the problem, research objectives, and affirmation of conclusions. Results: The study has illustrated how the service of financial technology works for the survival of MSMEs. There are two facilities offered by FinTech for MSMEs in Indonesia, i.e ease in obtaining loans and ease of conducting business transactions. It adds to the opportunity for business people who use FinTech in the process of financial transactions with consumers because it can increase people's purchasing power for MSMEs products. Implications: In payment transactions, FinTech offers convenience, innovation, security, cost-effective, and speeder transections for both sellers and buyers related to MSMEs.

This paper has the ambition to examine the work-life balance (WLB) standards applied by the Limited Company of Bank Central Asia (PT BCA) Samarinda branch and their impact on employee loyalty, job performance, and turnover intentions. Our targets for employees who work in customer services (CS). We collected the data through survey techniques, where the size of the informants was 340 samples. Multiple regression analysis indicates that the WLB policy has affected employee loyalty, turnover intentions, and job performance. Employee loyalty also plays an important role in job performance and turnover intentions. Meanwhile, job performance has a significant effect on preventing turnover intentions. The fundamental difference to this finding lies in the escalation in the causality of the variables and is worth developing.

This study aims to analyze learning activities using guided inquiry learning models in improving scientific attitudes and students 'critical thinking skills and the effectiveness of guided inquiry learning models in improving scientific attitudes and students' critical thinking skills in science learning. This research was a quasi-experimental research with purposive sampling technique. Subjects in this study were 51 students of class V MIN 1 Serang. Data collection used documentation, questionnaires, observations and tests. Data were collected from the pretest and posttest of the students' scientific attitude and critical thinking as well as documentation and observation of guided inquiry learning activities in the control class and the experimental class. The type of data analysis used t-Test and effect size cohen’s test with the help of the statistical package for the social sciences (SPSS) program version 23.0. The results showed that the guided inquiry model learning activities were better than conventional models namely. So, there is the effectiveness of guided inquiry learning models in improving scientific attitudes and critical thinking skills of students on science learning in class.

<p><span class="fontstyle0">The purpose of this study was to investigate the influence between Job Insecurity and Occupational Safety and Health (OSH). It was expected that Job Insecurity was positively related to Job Performance and to Occupational Safety and Health (OSH). Some Firefighter And Rescue Department in East Kutai Regency sampled in this study and the result of the proposed hypothesis is acceptable. Job insecurity was in fact positively correlated with Job Performance and positively with Occupational Safety and Health (OSH). However, results of this research indicate to improve the performance required not only the safety and personal health of employees physically but also the work security from the psychological side of within the workers themselves. This applies not only to firefighters but also to other sector workers. Limitations of the study are the use of a sample of only one hundred and twenty-six firefighter and a need for more in-depth interviews to more Firefighter And Rescue Department in East Kutai Regency.<br /></span></p><p><span class="fontstyle2">Keywords</span><span class="fontstyle3">: </span><span class="fontstyle0">Job Insecurity, Occupational Safety and Health, Performance</span></p>