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                  <text>Vol. 5 No. 3 (2024)</text>
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                <text>AnalysisoftheEffectofCustomerRelationshipManagement,ServiceQualityand Word of Mouth on e-Commerce Customer Loyalty through Customer Satisfactionasa Mediator</text>
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                <text>CustomerRelationshipManagement,ServiceQuality,WordofMouth, Loyalty, Customer Satisfaction</text>
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                <text>Customer satisfaction is a comprehensive assessment of service and as a result of the comparison between customer expectations and perceptions of actual service performance. The purpose of this study is to see the effect of the independent and dependent variables, using quantitative methods with the help of SmartPLS  software. The results of  this study indicate that CRM directly affects SQU and LOY, the SQU variable affects SAT and SQU has no effect on LOY, the WIM variable affects SQU and LOY, andSAT affects LOY. In indirect testing, the independent variables, namely CRM, SQU, and WOM, have an  effect on SAT which is moderated by LOY</text>
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                <text>MuphiminMuphimin1,WidartoRachbini2</text>
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                <text>https://dinastipub.org/DIJEFA/article/view/3079/1931</text>
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                <text>PancasilaUniversity</text>
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                <text>Marketing Strategies of Sharia Peer-to-Peer Lending Fintech in Enhancing Sharia Financial Inclusion: A Case Study of PT. Dana Syariah Indonesia</text>
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                <text>Sharia  Fintech,  Peer-to-Peer  Lending,  Financial  Inclusion,  Marketing  Strategies, SWOT and QSPM Analysis</text>
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                <text>This study aims to analyze the marketing strategies employed by PT. Dana Syariah Indonesia in enhancing Sharia financial inclusion through Sharia peer-to-peer lending fintech. The research uses SWOT and QSPM analyses to evaluate the company's strengths, weaknesses, opportunities, and threats in its marketing strategies. The findings reveal that the company has successfully  increased  access  to  Sharia  financial  services  by  utilizing  digital  media,  offline events, and advanced technology. Despite challenges such as customer complaint management and digital adoption barriers, the company leverages market opportunities sensitive to riba and strengthens its position through solutions aligned with Sharia values. The study concludes that effective  marketing  strategies  play  a  crucial  role  in  expanding  Sharia  financial  inclusion  in Indonesia</text>
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                <text>Ahmad Fuadi Tanjung1, Sugianto2, Rahmi Syahriza3</text>
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                <text>https://dinastipub.org/DIJEFA/article/view/1439-1448/1929</text>
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                <text>UIN North Sumatera</text>
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                <text>26 July 2024</text>
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                <text> ahmadfuaditj@gmail.com</text>
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                  <text>Vol. 5 No. 3 (2024)</text>
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                <text>The Employer Branding of Cultural Heritage Hotel’s Impact on Electronic Word of Mouth</text>
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                <text>This study aims to determine the effect of employer branding on electronic word of mouth in one of the cultural heritage hotels. Data were collected through a survey distributed to 121 employees population of one of the hotels in Bandung. In this study, the independent variable employer branding uses four dimensions, namely work culture, salary and incentives, diversity  and  ethics,  and  CSR.  As  for  the  dependent  variable  electronic  word  of  mouth,  the dimensions  used  are  volume  and  valance.  These  dimensions  were  adopted  from  previous studies  that  used  employer  branding  and  electronic  word  of  mouth  as  the  main  focus  of research.    Hypothesis  testing,  validity,  and  reliability  were  tested  using  PLS-SEM  as  the analysis  method.  The  research  results  that  have  been  stated,  show  that  employer  branding affects  electronic  word  of  mouth  in  employees  and  the  effect  of  employer  branding  on electronic word of mouth is positive and significant</text>
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                <text>Wibisono Harimurti1*, Popy Rufaidah2</text>
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                <text>https://dinastipub.org/DIJEFA/article/view/2905/1922</text>
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                <text>Universitas Padjadjaran</text>
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                <text>25 July 2024</text>
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                <text>wibisono20001@mail.unpad.ac.id</text>
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                <text>The Impact   of   Debt   Rating   Mediation   on   ESG   Scores   and Corporate Debt Costs in Indonesia for the Period 2018 -2023</text>
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                <text> This study aims to determine the impact of Debt Rating Mediation on ESG Score and Cost of Corporate Debt in Indonesia for the 2018-2023 Period. This research is included in quantitative research with data collection in the form of secondary data from thoseavailable to the public (Indonesia Stock Exchange) and refinitiv. The type of data used is cross section data. The  sample  in  this  study  amounted to  235  bond  data  from  22  companies  on  the  IDX issued  in  2018-2023. The  type  of  data  used  is  cross  section  data.  The  results  of  the  study showed that the performance of ESG scores, debt ratings, status of SOEs, and decarbonization acceleration  regulations  have  an  influence  on  the  cost  of  corporate  debt.  Then  debt  ratings fully mediate the relationship between ESG scores and corporate debt costs</text>
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                <text>Rifqi Satria Dinandra1*, Zuliani Dalimunthe2</text>
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                <text>https://dinastipub.org/DIJEFA/article/view/2800/1921</text>
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                <text>Universitas Indonesia</text>
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                <text>5 July 2024</text>
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                <text>rifqi.satria21@ui.ac.id</text>
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                <text>Online  Customer  Review,  E-Service  Quality,  Trust,  Word  of  Mouth, Purchase Decisions</text>
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            <description>An account of the resource</description>
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                <text>This  study  aims  to  determine  the  effect  of  Online  Customer  Review,  EService Quality,  Trust  and  Word  of  Mouth  on  Purchasing  Decisions.  The  object  of  this  study  was students of the Faculty of Economics and Business, Pancasila University as consumers who had made purchases on the Shopee marketplace. The sampling technique used was Purposive Sampling with a sample size of 100 respondents from students of the Faculty of Economics and  Business,  Pancasila  University  as  consumers  who  use  Shopee.  The  data  collectiontechnique  used  a  questionnaire  distributed  via  Google  Form  to  consumers  of  the  Shopee marketplace at the Faculty of Economics and Business, Pancasila University. Data processing using IBM SPSS 25.0. Based on the results of the study, it shows that Online Customer Review has a positive and significant effect on Purchasing Decisions, E-Service Quality has a positive and significant effect on Purchasing Decisions, Trust has a positive and significant effect on Purchasing  Decisions,  Word  of  Mouth  has  a  positive  and  significant  effect  on  Purchasing Decisions and simultaneously the variables Online Customer Review, E-Service Quality, Trust and Word of Mouth have a positive and significant effect on Purchasing Decisions</text>
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                <text>HarnovinsahHarnovinsah1, Erwin Permana2</text>
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                <text>Universitas Pancasila</text>
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                <text>harnovinsah@univpancasila.ac.id</text>
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                  <text>Vol. 5 No. 3 (2024)</text>
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                <text>The Influence of Premiums, Claims and Profits on Risk Based Capital in Insurance Subsector Companies on the Indonesian Stock Exchange Period 2022-2023</text>
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                <text>Premiums, Claims, Profits, Risk Based CapitalandPanel Regression</text>
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                <text>The existence of the insurance company industry in Indonesia is considered very important by the government in overcoming the risks faced by society at any time. Because of this, the government imposes provisions for insurance companies regarding the financial health level  requirements  for  insurance  companies,  namely  by  using  Risk  Based  Capital.  For insurance companies, premium income, claims and profits are important in the survival of insurance companies. The aim of this research is to determine the effect of premiums, claims and profits on Risk Based Capital. Research was conducted on insurance companies registered on the IDX in 2022-2023. The research sample consisted of 17 insurance companies for 2 years taken by purposive sampling with data completeness criteria during the research period. Data analysis was carriedout using Panel Data Regression Analysis. The research results obtained are that there is a positive influence of Premiums on Risk Based Capital, there is a negative influence of Claims on Risk Based Capital and there is a negative influence of Profits onRisk Based Capital</text>
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                <text>Aty Herawati1*, Muhammad Haikal2</text>
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                <text>https://dinastipub.org/DIJEFA/article/view/3074/1919</text>
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            <name>Publisher</name>
            <description>An entity responsible for making the resource available</description>
            <elementTextContainer>
              <elementText elementTextId="65841">
                <text>Universitas Trilogi</text>
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                <text>July 25th2024</text>
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                <text>atyherawati@trilogi.ac.id</text>
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            <description>A language of the resource</description>
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              <elementText elementTextId="65845">
                <text>English</text>
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                  <text>Vol. 5 No. 3 (2024)</text>
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            <name>Title</name>
            <description>A name given to the resource</description>
            <elementTextContainer>
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                <text>How Is The Implementation of IFRS 17/PSAK 117 And Its Impact on Risk Based Capital of Life Insurance Companies?</text>
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          <element elementId="49">
            <name>Subject</name>
            <description>The topic of the resource</description>
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              <elementText elementTextId="65817">
                <text>IFRS 17, Insurance Contract, RBC, Financial Statement, Life Insurance</text>
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            <description>An account of the resource</description>
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                <text>The  implementation  of  IFRS  17  in  2025  will  impact  the  reporting  of  insurance contracts  and  potentially  affect  the  calculation  of  Risk  Based  Capital  (RBC)  for  insurance companies.  This  study  evaluates  how  IFRS  17  affects  insurance  contract  liabilities  and solvency  ratios  in  insurance companies, using  a  sizeable  Indonesian life insurance  company as  a  case  study.  The  research  covers  traditional  products,  health  insurance,  and  unit-linked products, with findings validated through interviews with actuarial or accounting heads from five other life insurance companies. The study reveals that liabilities for traditional insurance contracts  increase,  unit-linked  product  liabilities  decrease,  and  short-term  health  insurance liabilities remain unchanged. These changes will impact RBC calculations even though IFRS 17 does not alter the inherent business risks of insurance companies. The study recommends that  regulators  adjust  RBC  calculations  to  ensure  financial  statements  accurately  reflect insurance companies' financial health and risks</text>
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            <name>Creator</name>
            <description>An entity primarily responsible for making the resource</description>
            <elementTextContainer>
              <elementText elementTextId="65819">
                <text>Sisca1, Zuliani Dalimunthe2</text>
              </elementText>
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            <name>Source</name>
            <description>A related resource from which the described resource is derived</description>
            <elementTextContainer>
              <elementText elementTextId="65820">
                <text>https://dinastipub.org/DIJEFA/article/view/2809/1917</text>
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            <name>Publisher</name>
            <description>An entity responsible for making the resource available</description>
            <elementTextContainer>
              <elementText elementTextId="65821">
                <text>University of Indonesia</text>
              </elementText>
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            <name>Date</name>
            <description>A point or period of time associated with an event in the lifecycle of the resource</description>
            <elementTextContainer>
              <elementText elementTextId="65822">
                <text>23July2024</text>
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            <name>Contributor</name>
            <description>An entity responsible for making contributions to the resource</description>
            <elementTextContainer>
              <elementText elementTextId="65823">
                <text>sisca21@ui.ac.id</text>
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            <name>Format</name>
            <description>The file format, physical medium, or dimensions of the resource</description>
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              <elementText elementTextId="65824">
                <text>PDF</text>
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          <element elementId="44">
            <name>Language</name>
            <description>A language of the resource</description>
            <elementTextContainer>
              <elementText elementTextId="65825">
                <text>English</text>
              </elementText>
            </elementTextContainer>
          </element>
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            <name>Type</name>
            <description>The nature or genre of the resource</description>
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              <description>A name given to the resource</description>
              <elementTextContainer>
                <elementText elementTextId="65098">
                  <text>Vol. 5 No. 3 (2024)</text>
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            <description>A name given to the resource</description>
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                <text>Evaluation of Investment Returns Through Equity Crowdfunding Platforms in Indonesia in 2023</text>
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          <element elementId="49">
            <name>Subject</name>
            <description>The topic of the resource</description>
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              <elementText elementTextId="65797">
                <text>Evaluation, Equity Crowdfunding Platforms, Investment Returns</text>
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            <description>An account of the resource</description>
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              <elementText elementTextId="65798">
                <text>This  research  aims  to  investigate  the  factors  influencing  Return  on  Investment (ROI)  in  SMEs  in  Indonesia  utilizing  equity  crowdfunding  as  a  funding  method.This research employs a quantitative approach with the aim of describing the relationship between the  variables  under  examination,  namely  the  relationship  between  equity  crowdfunding  and the  financial  performance  of  SMEs  in  Indonesia.  The  population  in  this  study  includes  all SMEs in Indonesia that have engaged in equity crowdfunding up to the year 2023. A sample of 31 SMEs was selected for the study. Data analysis techniques involved testing the research model  to  ensure  its  acceptance and  produce  valid  and  reliable  findings.  This  testing  process included  several  essential  steps,  namely  classic  assumption  tests,  F-tests,  and  t-tests.  The results  of  the  study  indicate  that  the  campaign  duration  in  equity  crowdfunding  has  a significant relationship with the Return on Investment (ROI) obtained by SMEs. The variable 'Campaign  Duration  Score'  shows  a  statistically  significant  relationship,  supporting  the hypothesis  that  the  longer  the  campaign  duration,  the  higher  the  ROI  that  can  be  achieved. This suggests that longer campaigns provide investors with more time to research and make better investment decisions, ultimately increasing trust levels and potential ROI. The amount of  funds  raised  during  the  equity  crowdfunding  campaign  does  not  have  a  significant relationship with the ROI obtained by SMEs. The variable 'Log Raised Funds' does not show statistical  significance,  challenging  the  assumption  that  the  amount  of  funds  raised  is  a  key factor in determining ROI. This indicates that other factors such as efficient fund usage, post-funding  business  strategies,  and  market  conditions  may  have  a  greater  influence  on  SMEs' financial  success  post-crowdfunding.  The  industry  sector  in  which  SMEs  operate  has  a significant impact on ROI. The variable 'Industry Score' shows a significant negative impact on  ROI,  especially  for  SMEs  in  the  Restaurant/Food  &amp;  Beverage  sector  compared  to  other sectors.   This   emphasizes   the  importance   of   industry  context   in   determining   financial performance  after  obtaining  funding  through  equity  crowdfunding.  The  Restaurant/Food  &amp; Beverage  sector  may  face  additional  challenges  such  as  intense  competition,  lower  profit margins, and consumer demand fluctuations, which can reduce ROI potential</text>
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            <description>An entity primarily responsible for making the resource</description>
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                <text>Eric S Wicaksono1, Zuliani Dalimunthe2*</text>
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            <description>A related resource from which the described resource is derived</description>
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                <text>https://dinastipub.org/DIJEFA/article/view/2812/1916</text>
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            <name>Publisher</name>
            <description>An entity responsible for making the resource available</description>
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              <elementText elementTextId="65801">
                <text>Universitas Indonesia</text>
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                <text>23July2024</text>
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                <text>eric.septian@ui.ac.id</text>
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                  <text>Vol. 5 No. 3 (2024)</text>
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                <text>Public Service Quality Policies in West Seram District</text>
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                <text>This study aims to evaluate public service quality policies in West Seram District. This  research  was  conducted  for  one  year  using  a  qualitative  approach  and  a  descriptive research  design.  The  unit  of  analysis  in  this  study  is  the  implementation  of  public  service quality   policies   in  West   Seram   District   on  the   aspects   of   resources,   communication, disposition,  and  bureaucratic  structure.  Data  is  obtained  through  informants  representing  all parties related to the policy implementation. The results of the study show that: (1) Aspects of Resources; (a) human resources are sufficient in terms of quantity, but it is still necessary to improve  discipline  in  terms  of  timing  and  appropriateness,  and  consistency  in  completing service  tasks  to  ensure  employee  performance  accountability,  (b)  the  resources  for  facilities and  infrastructure  are  inadequate  and  unable  to  support  the  improvement  of  service  quality. (2) the communication aspect is going well, as shown by the behavior of employees who are friendly,  polite,  and  courteous  to  people  who  need  services  but  are  still  constrained  by  low public  awareness  to  follow  and  comply  with  the  required  provisions.  (3)  the  disposition aspect has been well implemented, as indicated by the high awareness of all elements of the leadership   and   employees   of   the   West   Seram   District   Office   regarding   their   duties, responsibilities, and authorities as community servants. However, limited services can still be provided  by  the  Subdistrict  head’s  office  and  the little  delegation  of  authority form  the Regent,  resulting  in  minimal  space  for  service.  (4)  the  Bureaucratic  Structure  Aspect  is running  well  following  the  main  tasks  and  functions,  which  is  shown  by  the  enactment  of rules related to the provision of service activities following work procedures in each field.</text>
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                <text>Hendry Selanno1*, Mohamad Arsad Rahawarin2, Jeanly Waisapy3</text>
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                <text>https://dinastipub.org/DIJEFA/article/view/2847/1915</text>
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                <text>Pattimura   University</text>
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                <text>22July2024</text>
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                <text>selannohendry877@gmail.com</text>
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                  <text>Vol. 5 No. 3 (2024)</text>
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                <text>The Role of Readiness to Change in Fostering to change from Transformational Leadership, Self Efficacy,Behaviour on Performance in Digital Industry</text>
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                <text>The  role  of  readiness  to  change  in  digital  transformation  is  critical  because  it influences  the  success  rate  of  accepting  and  implementing  new  technologies  within  an organization.   Readiness   to   change   allows   individuals   and   organizations   to   adapt   to environmental changes,  overcome  obstacles,  and  adopt  changes  more effectively  This  studydistributed an online survey via Google Forms to 237 SME employee. After the survey was completed,  data  filtering  and  processing  were  carried  out  using  SmartPLS  The  results demonstrate  that  attitude  significantly  affects  performance.  Studies  consistently show  that individuals  with  a  good  attitude  can  improve  their  performance.  Similarly,  the  impact  of attitude on readiness for change mirrors these findings: individuals with a positive attitude are more  motivated  and  ready  to  embrace  change,  which  in  turn  enhances  their  performance. Evidence shows that employees ready for change experience significant performance growth.In  conclusion,  readiness  for  change  mediates  the  relationship  between  transformational leadership  and  performance.  Employees  need  guidance  and  actions  from  leaders  to  reach optimal  performance.  Similarly,  readiness  for  change  mediates  the  relationship  between attitude and performance. Furthermore, readiness for change also mediates the effect of self-efficacy on performance, highlighting that self-efficacy drives internal motivation towards goal achievement.</text>
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                <text>Andreas Wijaya1, Albert Sutojo2*, Nicholas3</text>
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                <text>https://dinastipub.org/DIJEFA/article/view/2827/1914</text>
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                <text>Universitas Bunda Mulia</text>
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                <text>22July2024</text>
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                <text>albertsutojo20@gmail.com</text>
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                <text>PDF</text>
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                <text>English</text>
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