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This paper aims to examine the effect of financial stress on financial well-being with the mediation of financial health. This article also aims to see the influence of each variable, especially the importance of financial health. We use the Structural Equation Modeling (SEM) data analysis (SEM-PLS) method. The data sample is 230 young adults aged 25-30 years who live in Blitar City and Regency. The main findings of this research show that (i) there is a significant negative effect of financial stress on financial well-being, (ii) financial health has a positive effect on financial well-being, and finally, (iii) financial health mediates between financial stress and financial well-being. Financial health not only has a direct effect on financial well-being but also partially mediates financial stress. Young adults are expected to be able to manage their financial stress in everyday life. This aims to improve the individual's financial health, which will automatically improve the individual's financial well-being. It is hoped that future research can add new variables to influence financial well-being.

This study aims to explain the practice of fraud prevention by internal auditors of the local government of Malang City. The research method used is critical ethnomethodology in the local government environment of Malang City. Seven informants served as key informants. The results showed that the internal auditors of the local government of Malang City have not been able to carry out their role optimally, due to the weak legitimacy of internal auditors, community involvement in fraud prevention programs, and partial fraud prevention activities. As a result, the research findings provide an overview of the regional inspectorate's institutional integration with elements authorized to handle fraud cases, such as BPKP and BPK. The findings of this study suggest that the Malang City Inspectorate should gain legitimacy through regulations, government support, and effective and efficient consultation to identify and prevent fraud.

The growth of the cosmetics industry in the world has increased rapidly in recent decades. Cosmetics manufacturers face intense competitive pressure, both from halal cosmetics products and regular cosmetics products. The existence of this intense competition requires companies to be responsive to consumer needs, so companies must ensure that their product offerings are aligned with consumer demand, to encourage consumer adoption. As explanatory quantitative research, the purpose of this research is to figure out the  characteristics of muslim women Generasion Z and determine the effect of Religiosity, Halal Label, Eco Label and Halal Green Perception on Customer Loyalty, both directly and indirectly. The object of this research is a Muslim women Generation Z who uses halal green cosmetics in Malang City with a total sampel of 200 respondents.The technique of collecting data using a closed questionnaire and analyzed with SmartPLS 3.0. As a result, religiosity has no significantly influence on customer loyalty, but Halal Label and Eco Label significantly affect customer loyalty. Furthermore, religiosity, halal label and eco label have a directly positive impact on halal green perceptions. It is worth noting that Halal Green Perception also indirectly plays a role by mediating between religiosity, halal label and eco label on customer loyalty. Although religiosity does not play a direct role in influencing Customer Loyalty, it does not mean that these products cannot attract Generation Z's interest. It should be noted that although the level of Religiosity of Generation Z varies, this generation can still choose halal green cosmetics based on considerations of product quality assurance such as halal label and eco label.

This research aims to identify and analyze the impact of emotional intelligence on turnover retention at a bank in East Java, Indonesia by considering the mediating role of organizational support, as well as the moderating effect of career adaptability. Data was collected through a questionnaire distributed to frontline employees at one of the banks in East Java. Data analysis was carried out using descriptive statistical analysis for convenience of data characteristics and inferential data analysis using Structural Equation Model Partial Least Square (SEM-PLS) to test contextual relationships between variables. Data collection methods include questionnaires and semi-structured interviews to obtain primary data, while secondary data is obtained from documents, the internet, and literature. The research results show that emotional intelligence does not directly influence turnover intention but has an influence through the mediator Organizational support and is moderated by career adaptation. In conclusion, work environment factors unique to banking significantly impact an employee's decision to stay or leave a job. Organizational support is proven to be an essential mediator, while the level of career adaptability also plays a vital role in employee turnover intensity. Moreover, if an employee has high emotional intelligence and career adaptability is low, they will still have the intensity to leave their job.

The impact of globalization quickly and dynamically requires development and change in the environment. This is inseparable from public organizations that face various challenges and obstacles to be more responsive to the needs of citizens. However, the performance of human resources from public organizations is now also always in the public spotlight where in practice in Indonesia it is still not good enough. Empirical studies or research have been conducted to analyze the effect of transformational leadership and psychological contract on employee performance. This study attempts to remedy the existing knowledge gap and limited literature by including job satisfaction as a mediating variable on employee performance levels in Indonesia. This study aims to determine the effect of transformational leadership and psychological contract on employee performance with job satisfaction as a mediating variable. A structured questionnaire with closed-ended questions was used to collect raw data from 241 employees. Descriptive tests and SEM PLS tests were conducted to determine the statistically significant relationship between transformational leadership and psychological contract on employee performance with job satisfaction as a mediating variable. The results reflect a statistically significant relationship between transformational leadership and psychological contract to employee performance with job satisfaction as a mediating variable. This study has practical implications for practitioners in the field of human resources, organizational leaders, academics, and government policy makers because they can strategically plan transformational leadership and psychological contract practices and link these practices to employee performance in an organization. Further research can be conducted in other government organizations to conduct comparative studies obtained across organizations on the effect of transformational leadership and psychological contracts on employee performance with job satisfaction as a mediating variable.

The objective of this study is to examine how job satisfaction mediates the relationship between talent management and work-life balance, and employee performance in state-owned banks. The analysis employed quantitative analysis and data collection approaches, namely a questionnaire issued to 127 employees using Google Forms. Performing data analysis utilising the structural partial least squares (SEM-PLS) equation model. The findings indicated that both talent management and work-life balance have a direct and substantial favourable impact on employee performance. This study also discovered that job satisfaction had a role in partially mediating the impact of talent management on employee performance. Job satisfaction somewhat mediates the impact of talent management and work-life balance on employee performance. These findings indicate the importance of consistently focusing on and enhancing talent management methods and work-life balance in order to enhance employee performance.

This paper aims to examine the influence of the variables Green Human Resource Management (GHRM), Change-Oriented Organizational Citizenship Behavior (OCB), Service Innovation Performance, and Narcissism. The approach used in this research is a quantitative approach. The sample used in this research was hotel workers, totaling 218 respondents. Research data was obtained from the results of filling out a questionnaire and analyzed using Structural Equation Modeling analysis techniques with the help of Smart PLS program. The results of this research show that (i) GHRM has a positive and significant effect on Service Innovation Performance, the higher the GHRM, the higher the Service Innovation Performance, and vice versa; (ii) GHRM has a positive and significant effect on Change-Oriented OCB, the higher the GHRM, the higher the Change-Oriented OCB, and vice versa; (iii) Change-Oriented OCB has a positive and significant effect on Service Innovation Performance, the higher the Change-Oriented OCB, the higher the Service Innovation Performance, and vice versa; (iv) Change-Oriented OCB can mediate the indirect influence of GHRM on Service Innovation Performance; (v) Narcissism does not moderate the influence of GHRM on Service Innovation Performance. In general, the conclusion drawn from this research is that the implementation of GHRM practices and the development of Change-Oriented OCB are important in improving the Service Innovation Performance of hotel workers in Yogyakarta. Hotel management in Yogyakarta can pay attention to these aspects to strengthen competitive advantages and provide excellent services to hotel guests.

The rapid development of Financial Technology (Fintech) has had an impact on Indonesia's digital economy. Paylater has become the service people choose to meet their daily needs in addition to the increasing number of business transactions carried out electronically (ecommerce). The increase in the use of paylaters in e-commerce increases every year, accompanied by negative impacts such as impulsive buying and consumptive behavior that can befall users and heve derimental impact, especially Generation Z on the island of Java, if they do not have good Financial Management Behavior. The unique phenomenon that currently occuring is that there is an increase in the knowledge possessed but the Non Performing Loan (NPL) rate is also high. This research aims to determine the factors that influence of Financial Knowledge on Financial Management Behavior with Locus of Control and Financial Attitudes as mediation. This research is categorized as explanatory research. The respondents in this study were Generation Z e-commerce paylater users on the island of Java. The sample size in this study was determined using a purposive sampling technique with a total sample of 317 respondents. The data collection method uses a questionnaire, data is analyzed using PLS-SEM. The research results show that Financial Knowledge influences Financial Management Behavior and Locus of Control and Financial Attitudes as a psychological variable added based on Behavioral Finance partially mediate this relationship. It is hoped that beside from increasing their knowledge, ecommerce paylater users on the island of Java must have faith for what in what they can get in the future is controlled by themselves and attitudes in carrying out financial management.

This study investigates the mediating role of work-life balance and job satisfaction on the effect of flexi-time on employee performance in public hospitals in East Java, Indonesia. Quantitative analysis was used for data analysis and questionnaires as a data collection technique were disseminated online using Google Forms to 112 employees with census techniques. Data analysis using SEM-PLS with the help of SmartPLS application. The results show that flexi-time has a significant effect on employee performance. Directly, work-life balance encourages employee performance improvement. Job satisfaction also has a significant effect on employee performance. Flexi-time can directly increase work-life balance and job satisfaction. Work-life balance and job satisfaction act as partial mediations on the effect of flexi-time on employee performance.

The creative economy industry has created millions of jobs in Indonesia. One of the creative economy fields in Indonesia is makeup artist. But the makeup artist field also has many challenges in the increasingly fierce business competition. This research aims to investigate the influence of social media usage, innovation and competitive advantage on makeup artist business performance by considering the role competitive advantage as mediators. This research was conducted in Malang Raya with a focus on the makeup artist services business. The research method used was a survey with a questionnaire as a data collection instrument. The research sample consisted of 112 respondents who were owners of makeup artist business in Indonesia. The quantitative approach is used to describe, strengthen, and explain the hypotheses proposed in the study of observed phenomena. The statistical method used for data processing is Partial Least Squares Structural Equation Modeling (PLS-SEM). This study demonstrates a significant and positive correlation between social media usage, innovation and competitive advantage on the makeup artist business performance. The results of the mediation analysis also show that competitive advantage mediate the relationship between social media usage and innovation on makeup artist business performance. Therefore, makeup artists should optimize the use of social media to improve their business performance goals. This includes the use of the latest wardrobe, makeup trend, photo and video taking techniques, keep up to date with viral makeup content. The better the use of social media, the better the innovation, and the ability to maintain a competitive advantage by fulfills client expectations will make clients buy and recommend makeup services so as to improve the performance of makeup artists both financially and nonfinancially.

The study investigates the impact of user-generated content (UGC) on the purchase intention (PI) of ChatGPT Premium among undergraduate students, focusing on the mediating roles of brand attitude (BA) and brand trust (BT) by using SOR and HOE models. Using quantitative research methods and analyzing data from 105 undergraduate students who using TikTok in Malang City, Indonesia. Data analysis using SEM-PLS, and the results show that user-generated content has no direct effect on purchase intention. Meanwhile, user-generated content has a direct positive and significant effect on brand attitude and brand trust. Each brand attitude and brand trust also have a significant positive effect on purchase intention. Positive UGC can increase brand attitude and brand trust as well as increase interest in purchasing premium ChatGPT. Furthermore, based on the results of the indirect effect, it is known that brand attitude and brand trust can mediate the influence of user-generated content on purchase intention, where both act as full mediators in this research. This paper offers valuable insights into how UGC on platforms like TikTok influences consumer behavior in the context of freemium to premium transitions.

This study aims to investigate the impact of transactional leadership on employee performance through the mediation of job satisfaction, job stress, and trust. This study employs explanatory research using a quantitative approach. The population in this study were employees of companies engaged in shipbuilding in Surabaya city, namely PT. Dok dan Perkapalan Surabaya (Persero). The study used saturated sampling. The study had 69 respondents. Data was gathered through surveys and documentation, and the instrument was tested using likert scales. The data were analyzed using the structural equation model partial least squares (SEM-PLS) modelling. The finding of this study indicated that Transactional Leadership can enhance employee performance. Furthermore, Transactional Leadership can boost job satisfaction and trust while reducing employee stress. Employee performance can be improved by addressing job satisfaction issues. Employee performance is positively correlated with job satisfaction. However, Job stress has no significant effect on employee performance. While trust can enhance employee performance. Job Satisfaction can mediate the effect of Transactional Leadership on Employee Performance, whereas Job Stress cannot. Trust has the ability to mediate the impact of Transactional Leadership on Employee Performance. The findings of this study advise PT. Dok dan Perkapalan Surabaya (Persero) to maintain and improve the leader's transactional leadership style in managing various resources in the company in order to foster a positive relationship between employees and the company, allowing employee performance to improve optimally.

The number of digital banks in Indonesia is very large, resulting in intense competition between each digital bank. The tighter competition for digital banks, makes the interest in reusing digital bank users low and makes users tend to switch brands or providers in using digital banks. This study aims to determine the factors that influence e-servicescape on continuance intention mediated by brand image and performance expectancy. This research is categorized as explanatory research. Respondents in this study were users of the Blu by BCA Digital application on the island of Java, determining the number of samples in this study using purposive sampling technique with a total sample size of 249 respondents. The data collection method used a questionnaire, the data was analyzed using PLS-SEM. The results showed that e-servicescape had no significant effect on continuance intention. E-servicescape has a significant effect on brand image, brand image has a significant effect on continuance intention. E-servicescape has a significant effect on performance expectancy, performance expectancy has a significant effect on continuance intention. Brand image and performance expectancy can play a fully mediating role in the relationship between e-servicescape and continuance intention. Although e-servicescape does not have a significant influence directly, it is still part of the customer experience in using the Blu by BCA Digital app. Therefore, Blu by BCA Digital should continue to invest in technology and innovation to improve their e-servicescape. This includes the use of the latest technologies such as artificial intelligence (AI), data analytics, and personalized user experience. The better the e-servicescape, the better the brand image, performance expectancy and continuance intention of customers to keep using the service.

Bromo Tengger Semeru with four districts in East Java, National Park (Taman Nasional Bromo Tengger Semeru) has incredibly great potential. This region not only showcases the magnificence and majesty of God's creations, Mount Semeru and Mount Bromo, but it also shows how well the Tengger Tribe Community gets along with one another. Due to the growth of the local tourism sector, the Tengger community has long been renowned for its great diversity and for continuously maintaining its traditions in the face of intense outside cultural pressures. The Tengger Community continues to uphold and perform a number of cultural practices and ceremonies, including the Yadnya Kasada Ceremony, Hari Raya Karo, Entas-Entas, Ojung, Unan-unan Ceremony, Mubeng Pujang Ceremony, Sesayut Ceremony, and Praswala Gara Ceremony. In the hopes of finding safety and tranquility in life, the Tengger people place great importance on the presence of rituals and customs, which at the very least aim to honor their ancestors. This paper is the outcome of a qualitative study employing observational data gathering methods, focus groups, and in-depth interviews. The one-month research project, completed in November 2023, painted a picture of how the Tengger community is integrating the development of customs, culture, and ecological management skills in order to foster innovation and harmony for the village government in Sapikerep Village, Probolinggo Regency, and Tosari Village, Pasuruan Regency, Bromo TNBTS Area.

This study aims to investigate the effect of employee motivation and employee engagement mediated by job satisfaction on job performance. This study employs explanatory research with a quantitative approach. The population in this study consisted of all employees of retail company X. The sampling technique used was saturated sampling, and the number of research samples was 150. Data was collected through surveys and documentation, and the instrument was tested using Likert scales. The data was analysed using Structural Equation Model Partial Least Squares (SEM-PLS) modelling. The results of this study indicate that employee motivation can increase job performance, while employee engagement cannot increase job performance. Furthermore, the findings revealed that employee motivation can increase job satisfaction while employee engagement cannot. Job satisfaction can increase job performance. Job satisfaction can mediate the effect of employee motivation on job performance, but it cannot mediate the effect of employee engagement on job performance. According to the findings of this study, Company X should be able to provide motivational stimulus to employees by increasing salaries and work incentives, as well as increasing training and developing employee skills, so that workers can work effectively and efficiently.

Hotel accommodation is one of the most essential things in the tourism industry because it functions as a place to rest after a day of activities. The large number of hotel choices requires marketers in their fields to have a strategy that can make the best choice by consumers, especially in today's digital era. One of the measuring tools that can be used as the most effective promotional media is positive e-WOM. This helps marketers to determine what strategies can be maximized. This is self-congruity by matching perceptions between consumer self-concept and consumer image and positive emotional experience, which can also help consumers form positive perceptions of a place to create a satisfying experience or consumer satisfaction to 4 Star Hotels in Malang City. This study uses a quantitative approach. The population in this study are consumers from Hotel Bintang 4 yang ada di kota Malang. Sampling was carried out by using the non-probability sampling method. In this study, the sample was determined, namely the research item, so the number of respondents was 110. To get the desired result, as many as 190 respondents. Data collection techniques in this study were carried out by distributing questionnaires. Data analysis techniques were carried out by SEM-PLS using software 3.0. The results of this study indicate that there is an influence between self-congruity, positive emotional experience, and customer satisfaction to positive e-WOM Hotel in Malang City.

The objective of this study is to comprehend and define the notion of accounting methods in establishing dowry and pisuke pricing among the residents of Kateng Village, located in the West Praya District of Central Lombok Regency. This study employs ethnomethodology, a research approach that utilizes analytical techniques such as indexicality, reflexivity, contextual action, and the presentation of common-sense knowledge regarding social systems. The research employs an interpretive paradigm as its underlying framework. This study employs original data acquired through interviews and observations. This study suggests that accounting processes for estimating dowry and pisuke prices are conducted using four methods: referencing prices, considering social strata, assessing social position, and evaluating personal qualities. These approaches hold significance as symbols of honor and commitment, self-worth, a representation of family values, and the unification of two families. The determination of dowry and pisuke pricing is associated with traditional accounting theory, the distinction between price setter and price taker, and the presence of bargaining, as observed in a market. The results of this study should be tailored to accommodate the talents of individuals. Put simply, women should thoroughly examine the background and socioeconomic status of their possible spouses.

Although numerous studies have been conducted on the impact of influencers on purchase intention. Researchers are divided into two factions, each yielding distinct outcomes. The initial group of researchers discovered that influencers exert a substantial impact on the desire to make a purchase. Conversely, the second group of researchers discovered that influencers do not have a substantial impact on purchase intention. According to the idea of planned behavior, a person's subjective opinions about their preferences or aversions have an impact on their decision to take action. This study focuses on Instagram users that follow Muslim fashion accounts such as Heaven Lights, Vanilla Hijab, Wearing Klambi, and Heylocal. These accounts identify the research objects as the products they offer. The sample technique employed is non-probability, specifically utilizing a purposive sampling approach. A total of 170 respondents were surveyed. The employed methodology for data collection involves the dissemination of questionnaires. The data analysis technique employed was Structural Equation Modeling-Partial Least Squares (SEM-PLS) utilizing smartPLS 3.0 software. The findings indicated that influencers did not have a substantial impact on the intention to make a purchase. The factors of attitude towards advertising and brand attitude completely mediate the influence of influencers on purchase intention. These findings corroborate the findings of the research team that concluded that influencers do not have a substantial impact on purchase intention. The findings of this study also demonstrate the crucial significance of the mediating factors' attitude towards advertising and brand attitude in the impact of influencers on purchase intention.

This research is intended to investigate the effect of digital transformation, strategic partnerships, and service innovation on partnership performance. The population in this study is made up of 95 organizations that are partners of the Ministry of Finance in receiving state revenues. The research is explanatory research with a quantitative approach that collects data by distributing questionnaires to 95 managers from different organizations. The data was analyzed using structural equation modelling and partial least squares with SmartPLS software. The results show that digital transformation has an insignificant effect on partnership performance, while the other variables, namely strategic partnership and service innovation, have a significant effect on partnership performance. However, with the mediating variable service innovation, the effect of both digital transformation and strategic partnership becomes significant. The results of this study suggest that organizations must apply digital transformation to service innovation to obtain the desired partnership performance.

This study aims to investigate the effect of transactional leadership and organizational commitment on intention to stay mediated by job satisfaction at PT X and PT Y. This is an explanatory study using a quantitative approach with saturated sampling, where all members of the population are used as research samples. The questionnaire was distributed to employees of PT X and PT Y with a total of 122 respondents. Data collection in this study was collected using a questionnaire distributed in person and using Likert scales to test the instrument. The data obtained were analyzed using Partial Least Square (PLS). The results revealed that transactional leadership and job satisfaction had a positive and significant effect on the intention to stay, while organizational commitment had a positive and insignificant effect on the intention to stay. The results also show that job satisfaction mediates the effect of transactional leadership and organizational commitment to intention to stay. The findings of this study suggest that leaders at PT X and PT Y need to increase the role of transactional leadership and the company needs to pay more attention to the factors that affect employee job satisfaction.