In order to increase access to formal financial institutions, the Indonesian government has issued various national strategies. However, Indonesia's inclusive financial index is still under other ASEAN countries. Therefore, in this study, we investigate the factors that influence financial inclusion in Indonesia. The microdata from global findex 2014 was carried out in this study by using binary logistic regression analysis. The finding indicates that there is a significant positive relationship between individual characteristics, including financial inclusion, constraints to financial inclusion, utilization of financial services motivation, and loan sources. Since the main targets of financial inclusion are the poor, this finding becomes an essential proposition for policies in the banking sector, that besides the factors of gender, age, education, and type of jobs, income is the primary factor that influences access and utilization of financial services. Mainly regarding loans, increased income will increase the opportunities of the poor to getting loans because only high-income groups have collateral in applying for loans.Abstrak. Untuk meningkatkan akses ke lembaga keuangan formal, pemerintah Indonesia mengeluarkan berbagai strategi nasional. Namun, indeks keuangan inklusif Indonesia masih di bawah negara-negara ASEAN lainnya. Oleh karena itu, dalam penelitian ini, kami menyelidiki faktor-faktor yang mempengaruhi inklusi keuangan di Indonesia. Data mikro dari global findex 2014 dianalisis dalam penelitian ini dengan menggunakan analisis regresi. Hasil penelitian menunjukkan bahwa terdapat hubungan positif yang signifikan antara karakteristik individu, inklusi keuangan, kendala inklusi keuangan, penggunaan motivasi layanan keuangan, dan sumber kredit. Karena target utama dari inklusi keuangan di Indonesia adalah kelompok masyarakat miskin, maka hasil penelitian ini menjadi masukan yang penting bagi kebijakan di sektor perbankan, bahwa selain faktor-faktor gender, usia, pendidikan, dan jenis pekerjaan, pendapatan menjadi faktor utama yang mempengaruhi keberhasilan inklusi keuangan. Khususnya mengenai kredit, peningkatan pendapatan akan meningkatkan peluang masyarakat untuk mendapatkan pinjaman, karena hanya kelompok berpendapatan lebih tinggi yang memiliki jaminan dalam mengajukan pinjaman.

This study investigates the relationship between brand awareness, brand association, perceived quality, brand loyalty and brand purchasing intention. A total of 99 students from Budi Luhur University was used as respondents in this study based on the convenience sampling method. Data were analyzed using Partial Least Square Structural Equation Modeling (PLS-SEM) and SmartPLS 3.0 software. The analysis specifies that there is a significant positive relationship among brand awareness, brand association and perceived quality towards brand loyalty and brand purchasing intention. However, there is not a significant relationship between brand loyalty and brand purchasing intention. It indicates that consumers who are satisfied with Richeese Factory products and services do not always end up making purchases. The ability of managers to understand the factors which shape consumer brand behavior is required to develop and to maintain their brand position in high competitive fast food brand competition.

The small manufacturing sector has a large role in the processing of agricultural products and helps provide employment and business opportunities in an effort to encourage regional and rural development. The small industrial estate (PIK) of KOPTI Semanan in Kalideres Subdistrict, West Jakarta is one of the fermented soybean processing centers in Jakarta. In running its business, PIK KOPTI Semanan faces internal and external constraints so it has not been able to achieve business development as expected. The purpose of this research was to analyze the feasibility and sensitivity of small industry enterprises in Kalideres Subdistrict, West Jakarta. Net Present Value (NPV), Internal Rate of Return (IRR), Payback Period (PP), and Net Benefit Cost Ratio (Net B/C) methods were employed to calculate the financial feasibility of small fermented soybean industry enterprises. While the sensitivity analysis is done by doing the scenario of decreasing and increasing cost and price. The results of the analysis indicated that the small fermented soybean industry in Kalideres District is feasible to be implemented. However, the sensitivity analysis results indicated 3 out of 5 enterprises were sensitive to decreased revenue and increased costs.

Transportation applications are now becoming a popular means of transportation in major cities of developing countries. This is because high levels of community mobility are faced with high levels of congestion. This study was constructed to test the effect of service quality to e-WOM through consumer satisfaction by using PLS SEM-path modeling. Empirical findings indicated that all hypotheses tested are proven. Service quality had a significant positive effect directly on satisfaction and indirectly against e-WOM. Subsequently, from the service quality indicator, the most influential indicator was the driver interaction with the consumer. These findings were different from public transportation, which did not employ online application where indicator tangibles had the highest effect that create consumer perception of service quality. Discussion and managerial implications are provided.

Salak Sidimpuan yang berasal Tapanuli Selatan memiliki potensi untuk mendapatkan perlindungan hukum sebagai indikasi geografis. Penelitian ini menganalisis perlunya Salak Sidimpuan mendapatkan perlindungan hukum sebagai Indikasi Geografis Tapanuli Selatan dan upaya Pemerintah Daerah dalam rangka memberikan perlindungan terhadap Salak Sidimpuan sebagai kekayaan alam Tapanuli Selatan. Metode pendekatan penelitian yuridis empiris. Kabupaten Tapanuli Selatan menjadi lokasi penelitian dalam penelitian ini. Metode pengumpulan data melalui studi penelitian kepustakaan serta studi lapangan. Metode analisis dimulai dari pengumpulan data, reduksi data, penyajian data dan penarikan kesimpulan. Urgensi Salak Sidimpuan mendapatkan perlindungan hukum sebagai Indikasi Geografis Tapanuli Selatan karena secara ekonomis, salak sidimpuan memiliki pengaruh yang besar karena sebagian besar masyarakat Tapanuli Selatan perekonomiannya ditopang oleh buah Salak Sidimpuan. Secara Yuridis, Salak Sidimpuan yang memiliki karakteristik berbeda dengan salak daerah lain, memiliki reputasi yang baik, dan masih terjaga Eksistensinya sampai saat ini memerlukan perlindungan hukum sebagai Indikasi Geografis dan dapat dimiliki komunal bagi masyarakat Tapanuli Selatan. Upaya Pemerintah Daerah dalam memberikan perlindungan hukum terhadap Salak Sidimpuan hanya diberikan Pemerintah Daerah melalui Dinas Koperasi, Perindustrian dan Perdagangan Kabupaten Tapanuli Selatan. Pemerintah Daerah memberikan bimbingan, advokasi dan pembinaan terhadap Koperasi yang didirikan petani Salak Sidimpuan.