This financial technology innovation continues to develop along with changes in people's lifestyles. Financial services that provide online loan facilities are currently trending as a means of payment for several large e-commerce in Indonesia. Shopee is e-commerce that has a PayLater facility as an alternative method of shopping transactions that provides loan funds under the name Shopee PayLater. The use of Shopee PayLater makes it easy for consumers to shop online through the Shopee marketplace even though they don't have enough funds to shop. This research is a quantitative study with a conclusive research design to determine the effect of trust and ease on purchasing decisions using online loans. Sampling technique on this research used judgmental sampling and snowball sampling with a sample size of 110 respondents that Shopee users. Which are Shopee users have once made transactions using ShopeePayLater. The results of this study indicate there is a significant positive influence between trust and ease of purchasing decisions using online loans. Based on the result, it is recommended that Shopee PayLater make pay attention and make sure that this application has guaranteed security, so it can build a good image to increase the trust and have an impact to purchase decisions towards online loans Shopee PayLater.

Korean wave's existence makes Indonesian people interested in Korean cosmetics. One of the most favored Korean cosmetic brands in Indonesia is the Nature Republic, they have problems regarding the counterfeiting and illegal smuggling of some of their products. The purpose of this research is to analyze and discuss the influence of product quality and brand image on Nature Republic consumer purchasing decisions in the city of Surabaya. This research is a conclusive study with quantitative data analysis. Using a non-probability sampling technique with judgmental sampling. The number of samples in this study amounted to 110 respondents. The technique of collecting data using questionnaires that are used a Likert scale as the measurement and using multiple linear regression analysis techniques with application computer program SPSS 25 for Windows. The results of multiple linear regression analysis showed that product quality has a significant influence on purchasing decisions with a significant value of 0.003. As well as the brand image variable which has a significant value of 0,000, so that the brand image variable is known to have a significant influence on purchasing decisions. The indicator with the highest value of product quality is the impression of quality, then the brand image is the product image. Based on the results and discussion of the research, the managerial implications that can be applied are maintaining and improving product quality and brand image to increase consumer demand, have a competitive advantage, and benefit the company in terms of market expansion.

The pressures from such high activity will cause tension, fatigue, fatigue, and stress. Currently, the cinema industry has a promising market, shown by people who have high enthusiasm to watch in the cinema. The impact of brand image and consumer experience on cinema consumer satisfaction is an interesting topic to study. This research was intended to investigate and analyze the influence of brand image and customer experience with the satisfaction of cinema viewers in XXI Surabaya. The purposive sampling method was used through the judgmental sampling method for 50 samples. The hypothesis is tested through multiple linear regression analysis. The results of the first tested hypothesis were found that the brand image variable positively and significantly affected the satisfaction of XXI cinema viewers. The results of the second hypothesis test show that the customer experience variable has a positive and significant effect on customer satisfaction watching at the XXI cinema.

Financial performance evaluates how successful the company has achieved business activities. The purpose of this research is to analyze if financial performance (ROA) affected by firm size, investment opportunity set (IOS), dividend (DPR), audit committee, and capital structure (DAR). Also the mediation effect of capital structure in the audit committee to financial performance. Population in this research  is 56 property sector companies on BEI (www.idx.co.id). The sample in this research is 28 property companies (period 2014-2018) chosen by purposive sampling. This study uses a type of conclusive causal. The data analysis technique used path analysis with IBM SPSS 20. The results show that IOS has a significant effect on financial performance. Firm size, dividend & capital structure has a significant negative effect on financial performance. The audit committee does not significant to financial performance and capital structure (DAR). And also capital structure (DAR) does not mediate the audit committee to financial performance.

The purpose of this rese?rch is ?n?lyzed ?bout Org?niz?tion?l Commitment (OC) effected by Qu?lity Work of Life (QWL) through Job S?tisf?ction (JS). C?us?lity rese?rch using qu?ntit?tive ?ppro?ch. The s?mpling technique using s?tur?ted s?mples by the s?mple size of 45 respondents ?t PT. Seg?r Murni Ut?m?. This rese?rch used Structur?l Equ?tion Model (SEM) with the ?ssist?nce of sm?rt PLS 3.0 softw?re ?s the st?tistics ?n?lysis. The results of this rese?rch show th?t Qu?lity Work of Life positive influence on Commitment Org?niz?tion?l, Qu?lity Work of Life positive influence on Job S?tisf?ction. However, Job S?tisf?ction doesnt ?ffect Commitment Org?niz?tion?l. So, Job S?tisf?ction w?s not become ?n intervening v?riety of Qu?lity Work of Life on the Commitment Org?niz?tion?l.

This research aims to analyze the reaction of the Indonesia capital market with average abnormal return (AAR) and cumulative abnormal return (CAR) before-after the legality of KPK law revision in 2019. This research also using trading volume activity to describe the react of capital market before-after the legality of KPK law revision in 2019. This research use event study for analysis method with 5 days before and 5 days after the event with secondary data from the Indonesia capital market. The research testing by Paired Sample T-Test and Kolmogorov-Smirnov. The result of Kolmogorov-Smirnov shows that AAR, CAR, and TVA are normal distribution. The result of the paired sample t-test shows that no difference between average abnormal return and trading volume activity before-after the political event because investors already get bad news on before and after the legality of KPK law revision in 2019 which make investor wait and see. But, the paired sample t-test shows the difference between CAR before-after the legality of KPK law revision in 2019, because the investor gets a positive abnormal return on t-3 and t-4 which make a different cumulative abnormal return.

Banks in Indonesia are required to do their own assessment by using a risk-based bank rating based on RGEC Risk Profile, GCG, Earnings, and Capital. The goal of this research is to analyze the leverage of internal and external factors on the profit growth of non-foreign exchange national private commercial banks in 2014-2018. This research is a causal study with purposive sampling technique, so that 21 banks sample are obtained. The analysis method used in this research is multiple linear regression analysis. In this study, it was found that there was a simultaneous influence between the independent variables on profit growth. Partially, only LDR has a positive and significant effect on profit growth. When LDR ratio increases, profit growth will also increase which means that operational activities have been running efficiently and the bank can fulfill its obligations to creditors. Meanwhile, the other variables such as NPL, GCG, ROA, BOPO, CAR, and inflation do not affect on profit growth.

Every company wants its brand to be a major concern for consumers. Experiential marketing is a way of marketing that not only sells products but also creates them accompanied by emotional experiences that touch consumers' hearts. One of the businesses that are using experiential marketing is Hanamasa Restaurant which is a Japanese restaurant with buffet service type. The purpose of this research is to investigate the effect of experiential marketing and service attributes on buffet restaurants on customer loyalty with customer satisfaction as a mediating variable, a case study of Hanamasa consumers in Surabaya. Path analysis using AMOS 24 and IBM SPSS was performed for statistical analysis. Research with 110 respondents was taken with nonprobability sampling techniques. Criteria for respondents in this study are at least 19 years old and have visited Hanamasa at least twice in the past one to six months. The results of this study are experiential marketing a positive effect on customer satisfaction both through customer loyalty and directly. Likewise, the effect of service attributes on buffet restaurants has a positive impact on customer satisfaction but not on customer loyalty.

This study aims to examine and analyze the influence of job satisfaction, organizational culture, dan competence on Organizational Citizenship Behavior in PT. Mubarak Ainama Kunt Surabaya. This research is quantitative. The data that will be used in this study is systematic data (numbers) which will produce conclusions that can be generalized. The data in this study use primary and secondary data. Primary data in the form of data obtained through questionnaires to 42 respondents as research samples and secondary data in the form of data company profile company. The statistical analysis used in this study is multiple linear regression. The measurement scale of this study uses a Likert scale The results of this study are job satisfaction has a significant positive effect on Organizational Citizenship Behavior. This shows that better job satisfaction in the company, the higher the Organizational Citizenship Behavior felt by employees. Organizational culture has a significant positive effect on Organizational Citizenship Behavior. This shows that the better the organizational culture in the company, the higher the Organizational Citizenship Behavior felt by employees. Competence has no significant effect on Organizational Citizenship Behavior. Implementation of competencies is carried out conditionally according to the needs of the company not bound by a certain period. This shows that the good or bad implementation of competencies in the company will not affect the increase or decrease in Organizational Citizenship Behavior employees at PT. Mubarak Ainama Kunt Surabaya.

The internet could be used as a means of online trading which is why often referred to as e-commerce (electronic commerce). The increasingly positive e-commerce growth in Indonesia has resulted in a shift in people's shopping patterns towards online or online shopping, thus making marketers learn various strategies so that consumers continue to feel satisfaction when shopping using applications, especially Shopee online shop applications. The purpose of this research is to analyze consumer satisfaction as measured by the price and e-service quality. The population in this study are respondents with a minimum age of 15 years who is infinite and has to carry out payment of at least 1 time in the last 6 months Shopee application. The sampling techniques used are non-probability sampling by sampling method i.e. judgmental sampling and obtained as much as 220 respondents. The technique of data collection for this research uses online questionnaire distribution with a Likert scale and the technical analysis of the data used is multiple linear regression. The results of this study show that the price and quality of e-service have a positive and significant influence on customer satisfaction variables in Shopee application users.

Various water products include packaging made for customers needed, one of them is an Aqua. Aqua is the main drinking product from PT. Aqua Golden Mississipi. According to Top Brand Index in 2017 until 2019, Aqua can be a brand leader of bottled water producers. This research aims to discuss images of the brand, price, and packaging for drinking water purchasing decisions of Aqua in Surabaya. The data of the study were analyzed using multiple linear regression techniques. The result out of research shows that the effects of brand image on purchase decisions but the packaging variable will not influence the purchase decision. In this research dominated effect is the variable brand image.

This study aims to examine and understand the effect of managerial ownership, dividend policy, leverage, profitability, and company size on the value of the mining sector listed on the Indonesia Stock Exchange period 2015-2018. This type of research is causal research and the data is quantitative sourced from the IDX web. The sampling method uses purposive sampling to obtain 16 companies that fit the criteria. Data analysis uses multiple linear regression. The test results explained that the independent variables simultaneously influence the dependent variable. Partial test results explain that leverage has a positive effect on firm value because the company's ability to pay obligations in the future will get a positive response from the market. Profitability has a positive effect on firm value because the increase in profits shows the company's ability to use its resources. The results of this study indicate that leverage and profitability have a significant positive effect on a firms value, while managerial ownership, dividend policy, and firm size has no significant effect on a firms value.

This study aims to investigate the marketing mix impact of product quality and prices on sales performance which is decomposed into the volume of sales, the volume of consumers, and volume bought each consumer, using longitudinal data. This study analyzes the decline sales phenomenon of Edel Cocoa in PT Perkebunan Nusantara XII (Persero) for five years in a row from 2014-2018 through the implementation strategy of product quality and price, with total 253 products sold and 241 consumer purchase transactions. Using three generalized estimating equations method at the real level (?) = 5%. The result indicates that the marketing mix of product quality and prices have a strong impact on sales volume and volume bought each consumer. However, the marketing mix of product quality and prices don't have a significant impact on the volume of consumers. The marketing mix of quality products and prices simultaneous in explaining sales performance is at 14.5% while the remaining 85.5% is explained by other factors not included in this research model.

The potential of café and restaurant business in East Java is on the rise and remains enormous enough to run. This has triggered intense competition among café business owners in Surabaya. Currently, there has been a change in lifestyle during society. People (specifically teenagers) in big cities prefer to spend their leisure to relax in the cafe. Many cafes have sprung up with distinguishing concepts to attract consumers. Rolag Kopi Kayoon Surabaya is one of the cafes that has carried out a marketing strategy by creating a different store atmosphere. The hedonic lifestyle of urban communities can be also one of the factors which influence the consumer purchasing decision. This study aims to analyze and discuss the effect of store atmosphere and hedonic lifestyle on purchasing decisions on consumers Rolag Kopi Kayoon Surabaya. This research was conducted at Rolag Kopi Kayoon Surabaya by using data of a questionnaire of 110 respondents with a minimum age of 17 years old. The sampling method used is a judgmental sampling. The measurement scale applied is the Likert scale. The statistical analysis used is multiple linear regression equation models. The results showed that the store atmosphere and hedonic lifestyle variables significantly and positively influenced purchasing decisions. The biggest influence on purchasing decisions is the store atmosphere with a level of influence at 20.7%.

The purpose of this study is to analyze the relationship between work-life balance and employee performance through an organizational commitment to the employees of PT. Bhinneka Life Indonesia Surabaya branch. This type of research is quantitative research. The study used a saturated sample technique with a total of 50 permanent employees at PT. Bhinneka Life Indonesia Surabaya branch. From the results of statistical analysis, this study uses Partial Least Square (PLS) and is assisted with smartPLS 3.0 software. This research shows the results of work-life balance has no relationship with employee performance. Work-life balance has a positive effect on commitment. While commitment has a relationship with performance. And the commitment variables can mediate the effect between work-life balance on employee performance. This study shows the results of work-life balance have a smaller direct relationship than an indirect effect on the performance of employee. The implications are based on results of research applied to companies that superiors can provide training to employees on the importance of managing the time between life at work and life outside of work such as life at home. Also, the employees can pay attention to their comfort while working or in receiving bonuses when the targets set by the company have been achieved. Supervisors can also provide other training to the employees to improve the quality of their work.

Research on work achievement is still relevant and exciting to study in companies worldwide. There are three variables tested for work achievement effects, namely work discipline, rewards, and job training. The location chosen in this study is Perumda BPR Lamongan. This study's population was 130 employees of Perumda BPR Lamongan Regional Bank with 98 samples using a probability sampling method. The data analysis of this study used SPSS, namely multiple linear regression. The results showed that work discipline, rewards, and job training had a significant positive effect on BPR Perumda BPR Lamongan Regency's work achievement, where the Job Training variable had the most significant influence on work achievement.

Financial distress causes the company to restructure or even going bankrupt. It means the prediction of financial distress is important to anticipate the occurrence of bankruptcy. This study aimed to determine the effect of financial ratios, managerial ownership, and institutional ownership on financial distress. The independent variables used in this study are the current ratio, debt to assets ratio, return on assets, total assets turnover, managerial ownership, and institutional ownership. This researchs population is sector trade, services, and investment firms listed on the Indonesia Stock Exchange in 2015-2018. It implements purposive sampling techniques and finally obtained 15 firms as samples. The research then is analyzed using logistic regression and calculated using SPSS software version 25. The result showed that debt to assets ratio had a positive significance on financial distress and return on assets had a negative significant effect on financial distress. While the other variables of total assets turnover, current ratio, managerial ownership, institutional ownership dont have a significant effect on financial distress. Therefore, the companies are expected to pay attention to increasing the value of debt to assets ratio and return on assets to avoid the possibility of financial distress.

Competition in the business world today is increasingly fierce in the era of globalization. Information technology can shift the way of practice and change the way of thinking in the business world. The rapid development of technology makes the economy also increasingly developing. One of them is the innovation in the field of online health services. This study aims to examine the effect of perceived ease of use and negative EWOM on purchase intentions with perceived usefulness and perceived risk as mediating variables in Halodoc health service application users in East Java. This study uses 200 samples with non-probability sampling techniques and the method used is a judgmental sampling. The data collection method is done by distributing questionnaires online. The data analysis technique used in this study is the path analysis technique. Based on the results of research conducted, it was found that perceived ease of use has a positive effect on purchase intentions with perceived usefulness as a mediating variable, and negative EWOM has no effect on purchase intentions because perceived risk does not mediate between these relationships in Halodoc health service applications. Based on these results, it is recommended that Halodoc health service application makers pay attention to the ease of use of the application and the benefits that can be felt by consumers and prospective consumers when using the application so that a positive EWOM is formed to reduce the risks that exist in the application and have an impact on purchase intentions towards health services in the application.

Before conducting tourism activities, prospective tourists will consider several factors including e-WOM, and their attitude towards tourist destinations before carrying out activities that will give rise to the intention of visiting tourist destinations. This study aims to determine the effect of positive eWOM and intention to travel to Selo Bonang Geotourism by using mediating variables from tourist attitudes. This research uses quantitative data. The sampling technique used is non-probability sampling with the type of judgmental sampling. In this study, the sample used was 220 respondents using non-probability sampling techniques. Data is processed using path analysis techniques. The results of this study indicate that positive e-WOM has a positive and significant influence on tourist attitudes, tourist attitudes have a positive and significant effect on visit intention, and positive e-WOM has a positive and significant impact on visit intention, with mediation proven partially.

PT Pancapaputra Mitratama Mandiri is an authorized lubricant distributor of PT Shell Indonesia. The company was founded in 2004. The company is a distributor office of Shell Lubricants products for the industrial and transportation scope in the East Java Region. This research purposes to test and explain the impact of job satisfaction on turnover intention through organizational commitment as a mediator variable at PT Pancaputra Mitratama Mandiri. The approach adopted in this study is quantitative, while the sampling technique in this study is saturated sample with the number of all employees of PT Pancaputra Mitratama Mandiri as respondents who were taken part as many as 32 employees. Data on this research were analyzed making use of Partial Least Square (PLS) with the assistance of SmartPLS 3.0. software on the computer. The outcomes further revealed a significant negative relationship between Job Satisfaction and Organizational Commitment on Turnover Intention. The results provide a conclusion that Organizational Commitment mediates the influence of Job Satisfaction on Turnover Intention, the results discover that the Job Satisfaction has an indirect effect that is larger than the direct influence on Turnover Intention.