ANALYSIS OF FACTORS AFFECTING FISCAL STRESS IN LOCAL GOVERNMENTS (Case Studies in Districts/Cities in Kunci Bersama Areas for the Period of 2015 - 2019)

This study aims at determining the effect of local revenue and capital expenditure on Fiscal Stress in the Kunci Bersama Area in 2015-2019. The population of this study is the district/city government in the Kunci Bersama Area. The entire population becomes a sample called the saturated sample (census). This study has 45 data observations derived from 9 districts/cities' financial statements for the 2015-2019 period. The data used in this study is secondary data in the form of a Budget Realization Report in the Kunci Bersama Areas for the 2015-2019 Period. The hypothesis testing tool in this study is the Eviews 9 software. From the test results, it is found that local revenue and capital expenditure affect fiscal stress. Local revenue has a negative effect on fiscal stress, while capital expenditure positively affects fiscal stress.�Keywords: Regional Own Income, Capital Expenditure, and Fiscal Stress

THE INFLUENCE OF ONLINE MEDIA ADVERTISING AND PRODUCT QUALITY ON HONDA MOBILIO BUYING INTEREST THROUGH BRAND AWARENESS (Survey in Region Three Cirebon)

ABSTRACTThis study aims to�determine�the direct and indirect effects of video advertising through online media and product quality on buying interest with brand awareness as an intervening variable. The sample in this study was people in the three regions of�Cirebon�with the�category�of having seen video advertisements on online media, having driven or bought a Honda�Mobilio�product and were over 20 years old with samples taken as many as 100 people. This research instrument in the form of a questionnaire by distributing through the help of Google forms. The data analysis technique used is Structural Equation Modeling (SEM). The test results of the proposed hypothesis show that (1) video advertising through online media has no effect on brand awareness and is significant. (2) video advertisements through online media have no effect on buying interest and are not significant. (3) product quality influences brand awareness and is significant. (4) product quality has no effect on buying interest and is not significant. (5) brand awareness has no influence on buying interest and is significant. (6) Variable video advertisements through online media and product quality together affect brand awareness. (7) video advertising through online media, product quality and brand awareness together influence buying interest. (8) video advertising through online media has no effect on buying interest through brand awareness. (9) product quality influences buying interest through brand awareness.Keywords: Video Advertising Through Online Media, Product Quality, Buy Brand Awareness

Impact of After-Sales Service on Customers� Retention of Mobile Telecommunications in Nigeria

The idea of after-sales services has been adopted globally to provide the consumers after the product or services rendered. The study explored the impact of after-sales services on customers� retention of mobile telecommunication in Nigeria. Survey research was adopted, and the aim of using this design is premised on the fact that the study relied on obtaining information from the field using a questionnaire. The population consist of all the subscribers of MTN, Globacom, Airtel and 9mobile. Four hundred seventy-two (472) subscribers of mobile networks were proportionally drawn from the NCC website. Subsequently, a simple random sampling technique was used to select the respondents from each of the mobile networks. Data collected were analysed using an application of simple percentage method in computer software packages (SPSS), and the regression analysis adopted by the testing of a reported hypothesis. The regression of [t-statistics] value of .01 and [2.63] demonstrates that the relationship between after-sale service and retention of customers is essential because the alpha level of 0.05 is higher than the p-value. Hence, the assumption is that growth in after-sales activities is a significant contributor to customer retention. Management should pay attention to the employee position to the quality of after-sales service, which results in future procurement and further recommendations.

Compensation Management and Employee�s Work Commitment in the Kwara State Internal Revenue Service, Ilorin, Nigeria.

The study examines the effect of compensation management on the employee�s work commitment in the Kwara State Internal Revenue Service (KW�IRS), Ilorin, Nigeria. Stratified random sampling technique was utilized for the study with the administration of structured questionnaire to the respondents so as to elicit the required information. The data generated was analyzed with regression analysis with aid of SPSS, (V. 22.0). Findings showed that compensation management is a positive and significant predictor of employee�s work commitment in the Kwara State Internal Revenue Service. The study concluded that organizations that effectively and efficiently manage its compensation policy, in respect to employee�s commitment, will outperforms those organizations that do not. Thus, the study recommends the organization should be more innovative and effective in the management of compensation policies, so as to focus more on the adequate welfare for the employees and as well treating them as the most precious assets of the establishment.The study examines the effect of compensation management on the employee�s work commitment in the Kwara State Internal Revenue Service (KW�IRS), Ilorin, Nigeria. Stratified random sampling technique was utilized for the study with the administration of structured questionnaire to the respondents so as to elicit the required information. The data generated was analyzed with regression analysis with aid of SPSS, (V. 22.0). Findings showed that compensation management is a positive and significant predictor of employee�s work commitment in the Kwara State Internal Revenue Service. The study concluded that organizations that effectively and efficiently manage its compensation policy, in respect to employee�s commitment, will outperforms those organizations that do not. Thus, the study recommends the organization should be more innovative and effective in the management of compensation policies, so as to focus more on the adequate welfare for the employees and as well treating them as the most precious assets of the establishment.

Stock Investment Portfolio Analysis with Single Index Model

In order to evaluate an optimal portfolio, an important step that investors or investment managers is portfolio analysis. In stock portfolio analysis, methods that can be used include the Markowitz approach and the Single Index Model. This study aims to apply the Single Index Model in finding the beta value of an efficient portfolio line, so that investors can determine the stocks and the proportion of funds needed to form an optimal portfolio. In this study, the data sources used were 1) market share price index that represents market factor or market data, 2) SBI interest rates that represents risk free (rf) and 3) The share prices of PT Ace Hardware Indonesia Tbk, PT Indocement Tunggal Perkasa Tbk and PT Matahari Putra Prima Tbk. The weight of each share in the active portfolio (Wi0) at Active Pf A 1.0000 is ACES of 0.1729, INTP of 0.0460 and MPPA of 0.7811. Then the alpha of the ACES active portfolio is 0.0051, INTP is 0.0002 and the MPPA is 0.0184. Then the calculation results show the residual variance in the active ACES portfolio is 0.0041, INTP is 0.0001 and MPPA is 0.0147. The variance of the Optimal Risky Portfolio of the variance index portfolio and the residual variance of the active portfolio is 0.1054.

Effect of Price and Location on Purchasing Decisions (Case Study of CV. Sumber Anugrah Kota Bandung)

This research discusses the effect of price and location on purchasing decisions that occur at CV. Sumber Anugrah Bandung. The sample used is 100 respondents or buyers from the store. This research is a causal research with Validity, Reliability, Classical Assumption testing, and Hypothesis testing. From this test, the results of the study indicate that Price and Location have a moderately positive effect on Purchasing Decisions. Price and location together have a significant influence on purchasing decisions.

EMPIRICAL ANALYSIS OF DEPOSIT MONEY BANKS CUSTOMERS� SOPHISTICATION IN YOLA, ADAMAWA STATE, NIGERIA.

Purpose � the purpose of this paper to investigate customer sophistication of deposit money banks in Yola, Adamawa state, Nigeria.Design/methodology/approach � this study adopts the quantitative survey method with a sample of 375 deposit money banks customers from Yola metropolis using purposive sampling technique. Similarly, PLS-SEM approach was used in data analysis to confirm validity of the model and subsequently analyze the structural model for obtaining the path analysis.Findings � Relationship between search orientation, and market experience are approximately equal in terms of positive strength, while innovativeness of customers emerged as the least in terms of strength in positive relationship. Customers are therefore less innovative when it comes to general knowledge and experience in evaluating the prospects of different options. Brand value orientation is also a strong determinant of customer sophistication because respondents are more attached to brands they are more familiar with than taking brand of services that are new and becoming more risk averse. Customer sophistication in general to the respondents indicates moderate satisfaction with services and low self-image and esteem.Practical implications � customers are less sophisticated because they lack innovativeness and stick to brand value orientation, they don�t realize full satisfaction, self-image and attainment of self-esteem as an experienced customer. Therefore, deposit money banks need to consider the findings of this study to improve customer sophistication.Originality/value � this study is the first of its kind in the contest of the study.

Correlates of Child Labour and Poverty Alleviation among Low-Income Earners in Kwara State, Nigeria

The study explores the correlations between child labour and poverty alleviation among the low-income earners in Kwara State, Nigeria. Survey design and purposive sampling method were employed to select the respondents from the 3 Senatorial districts of Kwara state. The Chi-square (X2 ) method of dataanalyses then used to analyze the data obtained. The result is a 2x2 table is taken a degree of freedom of (r-1) (k-1) = 1 at 5% level of significance, X2t = 3.84 and �X2c = 0.17. Since the X2t> X2c, it shows that a relationship exists between child labour and poverty reduction in Kwara state. The study concluded that governments, at the federal and state levels, are yet to live up to their expectations. Their inability to provide jobs for graduates have discouraged most of the children to have an interest in schooling. Therefore, the government should provide a potent economic environment that will encourage those with genuine ideas to engage in promising economic activities. This will lift a lot of low-income earners to higher pedigree. Similarly, parent/guardians in the low-income groups should be encouraged that extra efforts in assisting their children not to engage in child labour but schooling as a future investment with a higher rate of return.

TRANSFORMATIONAL LEADERSHIP INFLUENCE AND CORPORATE CULTURE ON PERFORMANCE (PERCEPTIONAL STUDY OF BJB SYARIAH BANK EMPLOYEES IN SUMEDANG SUB-BRANCH OFFICE)

BJB Syariah Bank is ranked sixth out of all Syariah Banks in Indonesia. To get good performance, BJB Syariah Bank KCP Sumedang, requires high quality of human resources, because humans are the most important asset for achieving the goals of the company. Companies must be able to develop their employees to become quality employees and can improve their performance for the development of the company.������� The research method uses quantitative methods. In this research, the writer uses the descriptive method. Furthermore, the data collection techniques obtained from primary data and secondary data, primary data sources were obtained through interviews, observations and questionnaires distributed to 13 respondents who are employees of BJB Syariah Bank Sub-Branch Office of Sumedang. While the secondary data obtained from literature, books, journals and other sources. Then arranged systematically and analyzed according to the existing theories, so it can be formulated for the steps to test the truth of the proposed hypothesis.��������� Statistical calculations on transformational leadership variables, company culture and employee performance using multiple regression obtained beta coefficients of transformational leadership on performance at 0.637, corporate culture on performance at 0.157. The results of the simultaneous influence of transformational leadership and company culture on employee performance is 0.535, which means that the coefficient of determination is 53.50%, it means that the employees� performance is influenced by transformational leadership factors and company culture by 53.50% and the rest is influenced by other factors. From the description above, it can be concluded that the hypothesis proposed by the writer can be accepted.

TWO SIDED MARKETS � HOW TO GENERATE VALUE FROM THEM

The article provides insights on two sided markets. Two sided markets ae gaining momentum in the economy that�s relying more and more on cashless mode. It also talks about the way value is generated on platforms for both the sides. The article highlights the effect of networks on value creation. The cost management of these platforms can be done by using activity based costing. The article also throws light on the need for eliminating non value-adding activities.