Purpose The Islamic rural banks have the potential to grow in Indonesia. It is important to learn and study the consumer behaviors toward the Islamic rural banks’ services to plan for future strategies. The purpose of this paper is to test the applicability of the theory of reasoned action in predicting the customers’ decision to use the Islamic rural banks’ services. Design/methodology/approach The descriptive and structural equation model analyses were used to analyze the data. A random sampling technique is adopted with a sample size of 180 consumers of the Islamic rural banks. There are variables to be tested such as Sharia system compliance, product knowledge on Sharia, promotion, services, attitude, subjective norms, intention and customer decisions to use the Islamic rural banks’ services. Findings The results found that the Sharia system compliance, promotion, services, attitude, subjective norms and intention variables have a significant effect on the use of services at Islamic rural banks. Only product knowledge on Sharia variable has been found to be insignificant. Originality/value The model can be used to prepare better strategies to attract more customers as well as increase public awareness toward Islamic rural banks’ products and services. The results are useful as a benchmark for policymakers to improve the establishment of Islamic rural banks particularly in Indonesia.

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The purpose of this study was to determine the "Effect of Work Spirit and Compensation on Employee Performance at PT. Arista Auto Lestari Medan ". The type of data used is associative, which is a study that asks the relationship between two variables. The population in this study were all employees at PT. Arista Auto Lestari Medan as many as 65 people. Data collection techniques in the form of distributing questionnaires to office employees at PT. Arista Auto Lestari Medan. Data analysis techniques using validity and reliability, hypothesis testing, statistical tests using multiple linear analysis models using multiple linear analysis models and determination tests.  The results of the t test can be seen that the t count on the morale variable is 4.147 greater than t table of 1.689 with a probability of t that is sig 0.004. Based on these values, the morale variable has a positive and significant effect on performance variables and the value of t arithmetic oversight is 6,649 greater than t table of 1,689 with a sig level of 0,000 smaller than the significance limit of 0.005, the partial compensation variable has a positive and significant effect on performance variable. Based on the results of the F test, the F value of 42.567 is greater than the F table of 3.27, which means that morale and compensation simultaneously have a positive and significant effect on performance variables. The R Square value obtained is 0.727. This figure shows that 72.7% of performance (the dependent variable) can be explained by morale and compensation. The remaining 27.3% is influenced by other factors not explained in this study.

This study attempts to construct the role of ethics in strengthening consumer behavior in purchasing organic food. The role of ethics is not an influencing variable but is a moderator variable. The purpose of this research is to create a model of organic products purchases in North Sumatera, Indonesia. In addition, this study aims to understand the consumers' intention of buying organic food. It also explores the moderating effect of ethics on consumer behavior. It is worth noting that the demand for organic food in North Sumatera, Indonesia, is relatively very low. Most efforts in boosting organic product demand focus on introducing these foods to the public. This includes explaining to the masses that consuming organic products will help the environment. Nevertheless, these efforts have shown no impact. The subjects of this study were consumers who purchase organic food in North Sumatera. This study was conducted using a sample of 300 respondents drawn from some local markets that sell organic food in North Sumatera, Indonesia. The results suggested that ethics strengthens attitude, and moderating variables of ethics did not have a significant impact on increasing the subjective norms of the intention in buying organic products.

This study aims to determine the role of partnerships in mediating social networks and perceived value on the performance of SMEs fostered by PTPN III Nusantara. The population in this study were 785 SMEs assisted by PTPN III Nusantara which were considered successful in developing their business. The sampling technique used was accidental sampling. So that only 125 respondents were chosen by the researchers to be used as research samples. Collecting data using a questionnaire and data analysis using path analysis. The results showed that the role of this partnership was able to mediate social networks and perceived value on the performance of SMEs fostered by PTPN III Nusantara. This means that the role of partnership is indirectly able to improve the performance of the assisted SMEs at PTPN III Nusantara