Due to the technology development, the digital payment is becoming more attractive to consumers. This type of payments provides an easy way for consumers to meet their needs. Pay later is currently one of the most attractive digital payments in Indonesia. This system, which is similar to credit card, allows consumers to buy products or services with the possibility to pay them later. This study aims to examine the pay later system and the consequences of applying it in Indonesian market. This study used a qualitative approach using online news content analysis to understand the issue of pay later. The software used in this study is Nvivo plus 12 by utilizing the word similarity, cluster analysis and matrix coding functions. The results show that pay later has a correlation with credit due to the system allows consumers to pay in installments. In addition, this pay later provides a possibility of impulsive buying for consumers. However, this study is limited to analysis based on online news data. It suggests that future studies combine online news with interviews or observation or many others documents to get a more comprehensive result.

The purpose of this study is to analyze the effect of digital finance, digital marketing and digital payment variables on finance performance. This study uses quantitative methods and data analysis techniques is performed based on Structural Equation Modeling using SmartPLS 3.0 software. The method of selecting the sample using the snowball sampling methods. Online questionnaires were sent to 190 SMEs respondents in the province of Banten Indonesia and evaluated the returned questionnaires. The results of data analysis show that the digital finance had a positive and significant effect on the finance performance, the digital payment had a positive and significant effect on the finance performance and the digital marketing had a positive and significant effect on the finance performance. The findings of this research can provide benefits for MSME actors in developing their business to improve business performance, by paying attention to aspects of MSME digitization and financial literacy of MSME entrepreneurs. Keep in mind, the important role of information technology in business activities requires entrepreneurs to improve their digital literacy.

Penelitian ini bertujuan untuk mengetahui penerapan nilai-nilai kewirausahaan utamanya mitivasi berprestasi dan efikasi diri terhadap kinerja usaha yang dimediasi oleh komitmen berwirausaha dan strategi bisnis sebagai moderasi. dengan strategi bisnis sebagai variabel moderasi. Jenis penelitian adalah explanatory research dan menggunakan pendekatan kuantitatif. Responden dalam penelitian ini adalah Pengusaha UMKM yang ada di Malang tepatnya di kelurahan Lowokwaru dengan jumlah 70 Pengusaha UMKM. Teknik Pengumpulan data dengan menggunakan kuisioner. Alat analisis  yang digunakan adalah Partial Least Square (PLS). Hasil penelitian menunjukkan bahwa motivasi berprestasi tidak berpengaruh terhadap komitmen berwirausaha, efikasi diri berpengaruh terhadap komitmen berwirausaha, komitmen berwirausaha tidak memediasi pengaruh motivasi berprestasi terhadap kinerja usaha, komitmen berwirausaha memediasi pengaruh efikasi diri terhadap kinerja usaha, strategi bisnis tidak memoderasi pengaruh komitmen berwirausaha terhadap kinerja usaha. Penelitian selanjutnya dapat menggunakan variable lain seperti intensi dalam berwirausaha dengan lingkup UMKM yang lebih luas.

Purpose: The purpose of this study is to analyze the relationship between compensation and employee performance, analyze the relationship between job rotation and employee performance, and analyze employee engagement on employee performance in SMEs.   Design/Methodology/Approach: The method used in this study is quantitative to test the hypothesis taken from the research variables in numbers and then the data is analyzed using statistical procedures. This study explains the causal relationship between variables through hypothesis testing. The population in this study were 670 SMEs owners. Data collection techniques in research were carried out by distributing questionnaires containing statements related to the variables studied. The measurement scale used for this research is a 7-point Likert scale. Data analysis uses the Partial Least Square (PLS) method.   Findings: The results of this study are compensation has a significant effect on employee performance, job rotation has a significant effect on employee performance, employee engagement has a significant effect on employee performance   Practical implications: SMEs managers should implement compensation, job rotation to encourage employee performance improvement and also to encourage employee engagement  to improve SME employee performance.   Authenticity/Value: The novelty of this research is the discovery of a relationship model of compensation, job rotation, Employee Engagement and performance of SMEs employees.

This study evaluated the color fastness and crust quality of eco-printed leather using various types of mordant in the natural dye of mangrove extract. This study used 20 sheepskin crusts and mangrove bark extract. This experimental study employed a Completely Randomized Design (CRD) with different mordant types as the treatments. The types of mordant used were Aluminum Sulfate (Al 2 (SO 4 ) 3 ), Calcium Carbonate (CaCO 3 ), Citric Acid (C 6 H 8 O 7 ), and Ferrous Sulfate (FeSO 4 ). The results showed that the use of Ferrous Sulfate (FeSO 4 ) as a mordant gave a darker color and produced better color fastness on eco-printed leather to dry and wet rubbing with a value of 5 (very good), to washing with a value of 4-5 (good), and to sweat with a value of 5 (very good). The use of Ferrous Sulfate (FeSO 4 ) as a mordant improved the tensile strength (p= 0.078), decreased the elongation (p= 0.008), increased the elasticity (p= 0.000), and increased the cracking resistance (p= 0.013) of the ecoprinted leather as well as produced more stable stitch-tear strength of the eco-printed leather. It is concluded that using Ferrous Sulfate (FeSO 4 ) as a mordant gives a brownish yellow color, increases color fastness to wet rubbing, dry rubbing, washing, sweating, improves crust qualities especially tensile strength and cracking resistance, and decreases the elongation of eco-printed leather.

This study aims to see the effect of Self-Efficacy on Entrepreneurial Commitment, the effect of entrepreneurial commitment on performance, the influence of self on business performance with entrepreneurial commitment as a mediating variable in MSMEs. This research was conducted on UMKM entrepreneurs in Malang. The type of research used is explanatory research that aims to test theories or research that reject or reject theories or reject the results of pre-existing research. The data technique used a questionnaire. Respondents in this study were 70 entrepreneurs at UMKM in Malang. Determination of the number of samples using the Slovin formula, the sampling technique used was purposive sampling. Data analysis used Partial Least Square (PLS) using SmartPLS 3.0 software. The results showed a significant influence between commitment and commitment to entrepreneurial commitment, entrepreneurial commitment had a significant effect on business performance, self-efficacy had no direct effect on business performance, and entrepreneurial commitment had a mediating role between self-influence on business performance

This research aims to find out the effect of financial ratio to profit growth on manufacturing industry companies or processing industries listed on the Indonesia Stock Exchange in 2016-2019. Purposive sampling techniques were obtained by 13 companies. The analysis used in this study is multiple linear regression analysis. The results in this study found that the current ratio partially positively affects profit growth, quick ratio partially positively and significantly affects profit growth, debt asset ratio partially negatively affects and significant on profit growth, debt equity ratio partially positively affects profit growth, total asset turnover partially positively affects profit growth. Working capital turnover partially positively affects but does not significant to profit growth, profit margin partially positively affects profit growth, retutn on asset partially positively affects profit growth. All free variables simultaneously have a significant effect on profit growth

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