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                <text>THE WORKING CAPITAL, INVESTMENT, THIRD PARTY FUND ON OUTSTANDING FINTECH WITH CREDITOR GROWTH AS MODERATOR</text>
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                <text>The research aims to empirically examine the influence of working capital financing, investment and third party funds on Fintech Outstanding with Credit Growth Moderators in 2020-2023. Multiple Linear Regression Method with SPSS IBM 20 analysis tool. The significance level of the accepted research hypothesis is 0,05. The research sample uses data from the My Data application in Yogyakarta online from the OJK. The benefit of the research is that investors can consider investing in Fintech Lending companies, for Fintech Company management it is to consider flexibility in credit conditions for MSMEs to increase Fintech Outstanding. The results of the research are that working capital credit has a significant effect on outstanding fintech but investment credit, deposits and creditor growth do not have a significant effect on outstanding fintech. Creditor growth was unable to significantly moderate working capital and investment in outstanding fintech.</text>
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                <text>Risal Rinofah1*, Pristin Prima Sari2, Yhoga Heru Pratama3, Irwan Trinugroho4</text>
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                <text>THE INFLUENCE OF TERMINAL VALUE, INSTRUMENTAL VALUE, AND GREEN BRAND POSITIONING ON GREEN PURCHASE INTENTION THROUGH GREEN ATTITUDE AS A MEDIATING VARIABLE&#13;
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                <text>Terminal Value, Instrumental Value, Green Brand Positioning, Green Attitude, Green Purchase Intention.</text>
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                <text>This study aims to examine the effect of Terminal Value, Instrumental Value, and Green Brand Positioning on Green Purchase Intention with Green Attitude as a mediating variable. The research method used is descriptive quantitative with Partial Least Square (PLS) analysis to test the causal relationship between variables. The research population is prospective LCGC car consumers in Indonesia with characteristics aged 25-35 years. The results showed that Terminal Value and Green Brand Positioning have a positive and significant influence on Green Attitude, while Instrumental Value has no significant effect. Green Attitude it selfs proven to play a mediating role that strengthens the relationshipi between the independent variables and Green Purchase Intention. The implications of this study provide insights to marketers and automotive companiesi toi furtheri emphasisei terminali valuei andi environmentally friendly positioning strategies in their marketing campaigns to increase the purchase intention of green products among consumers.</text>
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                <text>Irsyad Arkan1), Yessy Artanti2, Sri Setyo Iriani3</text>
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                <text>THE INFLUENCE OF FACILITIES AND SERVICE QUALITY ON TRUST AND WORD-OF-MOUTH MARKETING AMONG RESIDENTS OF PUNCAK BUKIT GOLF SURABAYA APARTMENTS</text>
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                <text>Land Scarcity, Service Quality, Facilities, Word-of-Mouth Marketing, Trust</text>
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                <text>This research explores the development of apartments, particularly focusing on Puncak Bukit Golf Apartments in Surabaya, a popular choice for millennials due to limited land availability and rising property prices. However, the apartment complex has received numerous complaints regarding its facilities and quality, such as broken lifts, damaged gym equipment, and slow service. To address these issues, a pre-survey was conducted with 30 respondents, revealing significant concerns about these facilities. As a result, the researcher seeks to examine the impact of service quality and facilities on word-of-mouth marketing and trust. The objectives of this study include investigating the relationship between facilities and service quality, the effect of service quality on word-of-mouth marketing, the influence of facilities on word-of-mouth marketing, and how service quality mediates these relationships. Additionally, the study examines the impact of word-of-mouth marketing on trust. The research uses a sample of 170 respondents, aged 21 to 60 years, who have lived in the apartment for at least six months. Data will be collected via online questionnaires distributed through Google Forms, with purposive sampling employed. Data analysis will be conducted using Smart-PLS software. The results of the study are expected to show significant interconnections between all the variables.</text>
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                <text>Sergio Pribadi1, J.E. Sutanto2</text>
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                <text>FINANCIAL RATIOS IMPACT ON SOE CONTAINER COMPANIES FINANCIAL DISTRESS</text>
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                <text>Financial Distress, Liquidity Ratio, Firm Size, Profitability Ratio, Asset Tangibility</text>
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                <text>This study uses asset tangibility as a mediating variable to examine the impact of liquidity, firm size, and profitability ratios on financial distress in Indonesian state-owned Container companies. The study runs from 2019 to 2023. The study applies multiple linear regression analysis on 14 state-owned Container companies listed on the Indonesia Stock Exchange. The Altman Z-score model is used to assess financial distress, with independent variables including the current ratio (liquidity), natural log of total assets (firm size), return on assets (profitability), and net tangible assets (asset tangibility). The study looks into direct impacts, mediating linkages, and interaction effects between variables. The result stated that profitability has directly affected financial distress and asset tangibility hasn’t directly affected financial distress and hasn’t meditated independent variables toward financial distress. Lastly, there are interaction effects of a combination of independent and meditating variables toward the dependent variable. This study recommends that Indonesian state-owned on container sector companies focus on three key areas to prevent financial distress: implementing robust liquidity monitoring systems with early warning mechanisms and clear guidelines for cash management, developing comprehensive asset management policies including regular maintenance and assessment, and establishing specific targets and cost optimization strategies. These measures are essential for maintaining financial stability and preventing distress in these container sector.</text>
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                <text>Saif Raafi’in Isfahan1*, Anggraini Syahputri2, Helma Malini3, Anwar Azazi4</text>
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                <text>THE INFLUENCE OF PRODUCT PLACEMENT, CELEBRITY ENDORSEMENT, AND BRAND INTEGRATION IN KOREAN DRAMAS ON BRAND RECOGNITION AT KOPIKO PRODUCT AND BRAND IMAGE AS MEDIATING VARIABLES</text>
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                <text>This study aims to analyze the influence of product placement, celebrity endorsement, and brand integration in Korean dramas on brand recognition using a brand image as a mediating variable. This research responds to the growing popularity of Korean dramas as a cross-cultural marketing platform, especially for the Indonesian coffee candy brand Kopiko. The research approach used was quantitative, with a total of 230 respondents who watched Korean dramas featuring Kopiko, and the data were analyzed using structural equation modeling (SEM). The results show that product placement, celebrity endorsement, and brand integration have a positive impact on brand recognition, with brand image playing an important mediating role. This research provides valuable insights for international marketers, demonstrating that strategic placement in high-engagement media can enhance brand image and recognition. Future research could explore broader applicability in digital media and evaluate the effectiveness of these strategies in different cultural markets.</text>
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                <text>Sukma Wulandari1*, Harry Setiawan2, Nur Afifah3, Bintoro Bagus Purmono4</text>
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                <text>DO ANIMOSITY, PRODUCT JUDGMENT, AND BOYCOTT PARTICIPATION INFLUENCE PURCHASE UNWILLINGNESS?</text>
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                <text>This study aims to examine the effect of animosity, product judgment, and boycott participation on purchase unwillingness of KFC products in Indonesia which is considered affiliated with Israel. The background of this study is the increasing consumer boycott movement in Indonesia due to the Israeli-Palestinian conflict. This study uses a survey method with a questionnaire distributed to 182 respondents selected through purposive sampling techniques. Data were analyzed using the Structural Equation Modeling (SEM) method. The results of the study indicate that animosity has a significant effect on product judgment, boycott participation, and purchase unwillingness. This study found that boycott participation was proven to be a significant mediator in the relationship between animosity and purchase unwillingness. However, product judgment can’t mediate the relationship between animosity and purchase unwillingness.</text>
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                <text>Annisa Fitri1, Erna Listiana2, Barkah3, Ana Fitriana4</text>
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            <name>Title</name>
            <description>A name given to the resource</description>
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                <text>DEVELOPMENT OF DIGITAL TRANSFORMATION MODEL IN HAJJ AND UMRAH TRAVEL USING QUALITATIVE METHODS</text>
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            <description>The topic of the resource</description>
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                <text>Digital Transformation, Leadership, Consumer Preference, Hajj and Umrah Travel</text>
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                <text>Digital transformation involves reshaping business operations through digital technologies, fostering flexibility and responsiveness to market demands. For Hajj and Umrah travel companies, adopting digital transformation can drive productivity, innovate value creation, and improve customer interactions. However, challenges arise due to limited consideration of leadership and consumer preferences, which are critical in directing and tailoring digital initiatives. Previous studies have focused predominantly on technological factors, often neglecting these human-centered elements crucial for competitiveness. This paper addresses this gap by developing a digital transformation model that emphasizes the roles of leadership and consumer preferences. Data were gathered through in-depth interviews, observations, and document analysis with key stakeholders and customers in selected Hajj and Umrah travel companies. By using a qualitative case study approach, the research explores how leadership and consumer insights shape digital strategies and business processes, ultimately enhancing competitiveness. The findings highlight the significant impact of leadership and consumer preferences on competitive advantage and introduce new indicators for implementing digital strategies effectively. This paper contributes to digital transformation theory by integrating leadership and consumer preference factors, offering Hajj and Umrah companies practical guidance for designing impactful digital strategies and fostering customer engagement.</text>
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                <text>Amanda Rizky Rossitika1*, Mudjahidin2</text>
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                  <text>Vol 8, No 4 (2024) IJEBAR, VOL. 08 ISSUE 04, DECEMBER 2024</text>
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            <name>Title</name>
            <description>A name given to the resource</description>
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                <text>THE ROLE OF CAREER DEVELOPMENT AND WORK-LIFE BALANCE ON JOB SATISFACTION THROUGH WORK ENGAGEMENT</text>
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                <text>This study examines the role of career development and work-life balance on job satisfaction among healthcare workers in Kubu Raya, West Kalimantan, with a focus on work engagement as a mediating variable. Utilizing a quantitative approach, data were collected from 210 health workers through a structured questionnaire and analyzed using Structural Equation Modeling (SEM) and tools AMOS to processed the data. This study uses purposive sampling technique by considering the length of service as one of the criteria in sampling research. The results of this study indicate that career development and work-life balance have a positive and significant impact on job satisfaction. Additionally, this research successfully tested the role of work engagement in mediating the indirect effect of career development and work-life balance on job satisfaction. Although the work engagement variable can mediate the relationship between career development and job satisfaction, it has not been able to mediate the relationship between work-life balance and job satisfaction. Furthermore, work engagement in this study also has a positive and significant effect on job satisfaction. These results will underscore the importance of fostering career growth opportunities and promoting a balanced work-life environment to enhance employee satisfaction and performance. The insights gained from this research offer valuable guidance for healthcare organizations and policymakers aiming to improve workforce well-being and organizational productivity.</text>
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                <text>Miranda Istikarani1, Titik Rosnani2, Dody Pratama Marumpe3, Ilzar Daud4) Karsim5</text>
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            <description>A name given to the resource</description>
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                <text>ENHANCING BANKING FUTURE PERFORMANCE: REVALUATION AND BOOK-TO-MARKET RATIO</text>
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                <text>Asset Revaluation, Book-to-Market Ratio, Debt Equity Ratio, Future Performance, Return on Assets.</text>
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                <text>The banking sector played a crucial role in global economic stability, supporting financial and investment activities. Prior to making funding decisions within the banking sector, investors required reliable information disclosure. The assessment of book value and asset management were strategic steps that provided a precise representation of the company’s fundamental value, compared to volatile market value. This research aimed to investigate how the book-to-market ratio mediated the relationship between asset revaluation, return on assets, debt equity ratio, and future financial performance (ROE). Employing quantitative approach with multiple regression analysis using EViews 13. Path analysis was utilized to examine the mediation effect. This research conducted an unbalanced panel analysis consisting of 80 observations from 30 Indonesian banks listed on the Indonesia Stock Exchange from 2014 to 2022 that fulfilled the sampling criteria. Data is derived from annual financial reports and selected through purposive sampling criteria focused on the presence of asset revaluation. The finding of this research indicated that asset revaluation negatively affects the book-to-market ratio when ROA has a positive relationship. ROA and book-to-market ratio positively affect debt equity ratio. Then, ROA has a significant positive impact on banking future performance, while DER has a significant negative relationship. Conversely, the book-to-market ratio proven can mediate the relationship between return on assets and debt equity ratio.</text>
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                <text>Maria Magdalena1*, Heriyadi2, Helma Malini3, Anwar Azazi4, Uray Ndaru Mustika5</text>
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          <element elementId="37">
            <name>Contributor</name>
            <description>An entity responsible for making contributions to the resource</description>
            <elementTextContainer>
              <elementText elementTextId="74396">
                <text>PERI IRAWAN</text>
              </elementText>
            </elementTextContainer>
          </element>
          <element elementId="42">
            <name>Format</name>
            <description>The file format, physical medium, or dimensions of the resource</description>
            <elementTextContainer>
              <elementText elementTextId="74397">
                <text>PDF</text>
              </elementText>
            </elementTextContainer>
          </element>
          <element elementId="44">
            <name>Language</name>
            <description>A language of the resource</description>
            <elementTextContainer>
              <elementText elementTextId="74398">
                <text>ENGLISH</text>
              </elementText>
            </elementTextContainer>
          </element>
          <element elementId="51">
            <name>Type</name>
            <description>The nature or genre of the resource</description>
            <elementTextContainer>
              <elementText elementTextId="74399">
                <text>TEXT</text>
              </elementText>
            </elementTextContainer>
          </element>
        </elementContainer>
      </elementSet>
    </elementSetContainer>
  </item>
</itemContainer>
