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This paper examines how organizational culture and transformational leadership directly and indirectly affect employee performance through organizational citizenship behavior (OCB) within Lembaga Perkreditan Desa (LPD) or Village Credit Institutions in Buleleng Regency, Bali. It also clarifies how social exchange processes underpin these relationships in a community-based finance setting. A hybrid analytic method combining instrument pretesting, measurement-model evaluation, and variance-based structural equation modeling with mediation testing was employed. Primary survey data were collected from 88 staff-level employees across nine sub-districts over a six-month field period. The findings reveal that supportive culture significantly increases OCB and performance while transformational leadership enhances OCB but has no direct effect on performance. OCB improves performance and mediates both the culture–performance and leadership–performance links. Practically, LPD leaders should treat OCB as a performance lever, engaging staff in decision-making, recognizing discretionary effort, and aligning incentives, resources, and routines. Strengthening collectivist culture, long-term orientation, fair gender norms, and adaptive rules will help ensure that extra-role behaviors consistently translate into measurable performance outcomes

Despite the national increase in banana production, Kepok banana farmers in Sikka Regency have experienced a sharp decline in both production and income. This study aims to analyze the factors affecting the income of Kepok banana farmers in Sikka Regency by examining the role of production as a mediating variable between key determinants—price, land area, labor, and capital—and income levels. The study employs a quantitative research approach using survey methods to collect primary data from Kepok banana farmers in Sikka Regency. The sampling technique applied is simple random sampling, ensuring proportional representation from 21 sub-districts. Out of a total population of 2,123 farmers, a final sample of 354 farmers was randomly selected. The collected data was analyzed using Partial Least Squares (PLS) through SmartPLS to examine the relationships. The study found that price, land area, labor, and capital all have a positive and significant impact on the production of Kepok bananas in Sikka Regency. Production itself plays a crucial role in influencing farmers' income, alongside price, land area, labor, and capital, all of which have a direct positive and significant effect on income. Production mediates the relationship between price, labor, and capital with farmers' income, indicating that these factors contribute to higher production, which in turn increases income. However, production does not mediate the effect of land area on income, suggesting that while land expansion increases production, its direct impact on income may be influenced by other factors beyond production volume alone.