The primary objective of this research is to examine the relationship between Good Corporate Governance (GCG), value chain, and bank asset growth in Indonesian State-Owned banks. Additionally, this study aims to determine whether value chain mediates the relationship between GCG and bank asset growth. This research employs a quantitative method. Data is collected using a questionnaire with a Likert scale ranging from 1 to 7. The respondents in this study are employees and managers working in state-owned banks in Indonesia. The total sample size used in this research is 239 samples. Data analysis is conducted using SmartPLS 4 software. The results of this study demonstrate that GCG has a significant positive relationship with the value chain of the bank. However, the direct relationship between GCG and bank asset growth is not statistically significant. The results of the mediation analysis show that value chain mediates the relationship between GCG and bank asset growth, emphasizing the critical role of value chain in optimizing the impact of GCG on bank asset growth.

This study aims to measure people's decision-making to buy their pet insurance and compare it with the amount of insurance premium rates offered. It is important due to the increase in people's income which has triggered the birth of a community of pet lovers as part of the middle-class people’s lifestyle in Indonesia. The survey data was conducted using the Stated Preference (SP) format through questionnaires and interviews to determine the public response to pet insurance premiums. The collected data were analyzed using descriptive methods, decision-making analysis was on the basis of the choice of the dichotomous Contingent Valuation Method (CVM), and logistic regression analysis. Based on the calculation analysis using the logit method shows that the ability of the public to pay pet insurance premiums is IDR289,454.54. Analysis of calculations using the Turnbull method was obtained at IDR365,000.00. The results of the WTP amount, both using the logit method and using the Turnbull method, are greater than the minimum premium amount offered which is IDR190,000.00. The results of this study indicate that the premium rates for pet insurance offered are still within reasonable limits, compared to the size of the decision-making by the animal lover community in Indonesia. This provides a very good prospect for insurance companies that have insurance products for pets in Indonesia. This study was conducted to provide empirical evidence that the decision-making of the animal lover community is greater than the premium rate for pet insurance that has been offered. Thus, this research strongly supports the development of pet insurance companies in Indonesia, which can provide pet protection to stay healthy and well looked after.

Leaf springs are machine elements that provide safety and driving comfort by storing the energy caused by the loads coming to the chassis and transport elements depending on the road conditions. Leaf springs are suspension elements commonly used particularly in heavy commercial vehicles. In this study, prototype leaf spring production was realized by forming the metal sheet and making heat treatments. Residual stress analysis, hardness, bending and strain gauge measurements were performed to examine the mechanical properties of the leaf spring produced. After the applied tempering process, the leaf spring microstructure was examined.

This research seeks to contribute to the retention Duhok kidney & diseases transplantation center (DKDTC), and health organizations their talent in COVID-19 era. To achieve this objective, we use (IBM SPSS Amoss V.22) to analyze the mediating role of career planning (CP) in the relationship of financial compensation (FC) with talent retention (TR) in DKDTC. The data collected was analyzed through 63 questionnaires, which was distributed to the talents working in DKDTC from May 2020 to March 2021. The researchers reached several conclusions, the most important of which are that CP has a partial mediating role in the relationship between FC and TR. Therefore, this research recommends enhancing the ability of DKDTC and health organizations to TR in a COVID-19 era and they must be relying on FC, and a program that includes clear steps in CP.

The market share of peer-to-peer (P2P) has shifted from dominating the P2P lending for Micro, Small, and Medium Enterprises (MSME) to non-MSME. Meanwhile, non-MSME credit is an incumbent main market share banking which possibly makes it a complementary or substitution in P2P lending in non-MSME bank credit. Furthermore, optimizing and maintaining liquidity is important due to banks utilizing intermediation functions. The strictness of bank liquidity could determine the management’s response and policy in determining the best timing to utilize either the FinTech from the P2P platform or the customer’s existing funds first. This study aims to assess the empirical findings of the effect of P2P lending on banking credit that is divided between provinces with strict, normal, and lax liquidity. This study uses data from 33 provinces in Indonesia between January 2022 to December 2022. The study approach uses a regression data panel for the data analysis. The results of this study show that P2P lending positively and significantly impacts bank credits of non-MSMEs in provinces with lax bank liquidity. The stricter the banking the lower the compliments of P2P loans against the bank credits of non-MSME. To the author’s knowledge, no existing studies investigate the P2P lending of non-MSME banking credit that also consider the level of strictness of banking liquidity.

Quality profiles representing the quality of a process or product as the functional relationship between one or more dependent variables and one or more explanatory variables are nowadays widely recognized in statistical process control (SPC) applications by both researchers and practitioners. On the other hand, in many real-world cases, evaluation of process or product characteristics is carried out with ambiguity or conducted using linguistic values. The theory of fuzzy sets provides an appropriate approach to deal with uncertainty due to ambiguity in human subjective evaluations or vagueness in linguistic variables. The purpose of this study is to introduce two novel methods based on fuzzy regression modeling for monitoring fuzzy linear profiles in phase II of SPC. To accomplish this, fuzzified Hoteling’s T2 statistic and fuzzy hypothesis testing are used. Moreover, a simulation study is used to compare the performance of the proposed methods compared with previous methods, based on the average run length (ARL) criterion in order to assess the detectability of charts with regard to the step shifts in profile parameters. Finally, the results of a real-world example in the tile and ceramic industry are presented.

The behavior of clay minerals in expansive soils causes them to exhibit shrink-swell characteristics, making them unsuitable for engineering purposes in their natural state. To address this problem, researchers conducted direct shear experiments using fly ash as an admixture and black cotton soil as an expanding soil to explore the strength parameter. The experiments were conducted with varying amounts of fly ash ranging from 2% to 20%. Two arrangements of test series were made, and in the principal series, tests were made utilizing five unique densities and comparing dampness contents. The outcomes showed that the point of inside grating and union expanded directly up to the ideal dampness content and most significant dry thickness before diminishing. The subsequent series showed that the end of inward rubbing grew straightly with the expansion of fly debris admixture, yet attachment reduced after 10% admixture. The decrease in shear strength was because of the diminished passion, as the fly debris' cohesionless attributes took over as the admixture rate increased above 10%. Based on these findings, adding fly ash in small quantities to black cotton soil is recommended to avoid weakening it.

In this article, the application of the Multi-Skilled Resource-Constrained Flow Shop Scheduling Problem (MSRC-FSSP) in preventive maintenance as a case study has been investigated. In other words, to complete each maintenance order at each stage, in addition to the machine, a set of required human resources with different skills must be available. According to human resources skills, each of them can perform at least one order or at most N orders, and each maintenance order must be done by a set of human resources with different skills. To carry out a maintenance order, different human resources must be in communication and cooperation so that a preventive maintenance order can be completed. In this article, these resources are considered as technical supervisors, repairmen and maintenance managers who complete all maintenance orders in a flow shop environment as a job. For this problem, a new Mixed Integer Linear Programming (MILP) model has been formulated with the two-objective functions, minimizing total orders completion time and the human resources idle time. To solve the model on a small scale, CPLEX is used, and to solve it on a large scale, due to the fact that this problem is NP-Hard, a meta-heuristic algorithm named Genetic Algorithm (GA) is presented. Finally, the computational results have been done to validate the model, along with the analysis of the human resources idle time.

The COVID-19 pandemic caused significant changes in many aspects especially towards small medium entrepreneurs (SMEs) as many of SMEs need to shut down their business due to movement control order (MCO) conducted by Malaysia government as SMEs cannot reach their customers. Previous studies show that having an effective digital marketing strategy in place might leave businesses vulnerable to severe setbacks towards SMEs. This research proposal aims to carry out and prove the possible potential effects and factors that influence digital marketing implementation towards online consumers in Selangor during COVID-19 pandemic. The methodology of this paper uses a descriptive qualitative approach by analyzing various previous literature on digital marketing scope of study. The sample size of the study is 235 respondents who were selected based on convenience sampling. The finding has discovered that there is a significant relationship between customer loyalty with implementation of digital marketing towards online consumers in Selangor during COVID-19 pandemic and there is a significance relationship between brand awareness and the implementation of digital marketing towards online consumer in Selangor during COVID-19 pandemic.

Despite the numerous advantages that different mobile payments can provide, their acceptance, and adoption rates are still relatively low. This study aims at investigating mobile payments and demonstrates how drivers and barriers that influence behavioral intentions to use mobile payments interact and support one another by combining the theory of planned behavior (TPB) and the innovation resistance theory (IRT). A self-administered online survey was employed to gather data from 341 users of mobile payments in the State of Kuwait. To test the proposed model and its hypotheses, responses were analyzed using a partial least square structural equation modeling approach (PLS-SEM). The results show that usage, value, risk, and tradition resistance-related factors are significant barriers towards behavioral intentions to use mobile payments, while the image barrier is insignificant. The findings also affirmed that perceived behavioral control and attitudes motivate and influence consumers’ behavioral intentions; however, the subjective norm was non-significant. The study’s findings have significant implications for scholars, mobile payments’ service providers, marketers, policymakers, and banks.