This study as a purpose to determine the effect of attitudes, subjective norms and perceived behavioral control to intention of credit card ownership. The object of this study is customer of Bank which do not have credit card. This research was conducted on 105 respondents by using quantitative descriptive approach. Data analysis is processed by using SEM-PLS (Partial Least Square) and data is processed by using SmartPLS tools. The results of this study indicate that the attitude proved to have a significant effect on intention of credit card ownership because it has a T-value above 1.96 that is 3,372, subjective norms have not proven significant effect to intention of credit card ownership because it has T - value below 1.96 that is 1.537, perceived behavioral control found the results proved to have a significant effect to intention of credit card ownership because it has T - value above 1.96 that is 3,689. Therefore, the result of this study stated that attitude and perceived behavioral control has significantly effect to intention of credit card ownership, whereas subjective norm has no significant effect to intention of credit card ownership. Keywords: Attitude, Subjective Norms, Behavior Control Perception, Intention to ownership, credit card

Baitul Mal Wat Tamwil (BMT) is a non-bank financial institution as an integrated independent business center which is a bayt al-mal wa at-tamwil, which is an institution that develops productive and investment businesses to improve the quality of small entrepreneurs' businesses and encourage business forms. -a form of investment with the aim of empowering worldly and ukhrawi businesses through donations, zakat and alms. In its development, BMTs face  the same problems, for example problematic customers. Sometimes there is a customer who is not only having problems in one place, but also in other places. Therefore, each BMT needs efforts to coordinate in order to narrow down the movements of problematic customers. BMTs also tend to face other BMTs as competitors to be defeated, not as partners or partners in an effort to exclude people from the economic problems they face. So that it causes the level of competition that is not Islamic and will even affect the BMT management pattern. However, in its development, BMTs face the same problems, for example problematic customers. Sometimes there is a customer who is not only having problems in one place, but also in other places. Therefore, each BMT needs efforts to coordinate in order to narrow down the movements of problematic customers. BMTs also tend to face other BMTs as competitors to be defeated, not as partners or partners in an effort to exclude people from the economic problems they face. So that it causes the level of competition that is not Islamic and will even affect the BMT management pattern. Keywords: BMT, Sharia Financial Institutions, Micro Finance Institutions, Social Impact

Savings Sukuk is one of the sharia investment products issued by the Indonesian Government. Investors from the millennials generation always dominate Savings Sukuk sales, although it is a new investment instrument in Indonesia. Therefore, we interest in examining the intention towards Savings Sukuk more deeply. In particular, this study analyzes the effect of religiosity, product knowledge, and pricing on Muslim millennials' intention toward Savings Sukuk in Indonesia. This study used a quantitative approach, and the data collected was analyzed by Partial Least Square – Structural Equation Modeling (PLS-SEM). Purposive sampling was used to get the required sample. Respondents in this study were Muslim millennials in Indonesia and were not limited by region. There are at least 138 respondents who participated in the survey. The results showed that product knowledge and pricing influenced Muslim millennials' intention toward Savings Sukuk. In contrast, religiosity does not affect Muslim millennials' intention toward Savings Sukuk in Indonesia.

Safety culture has an impact on motivation and job satisfaction, which are important factors for employee performance. This study was conducted to examine the role of safety culture on employee performance through motivation and job satisfaction, and to identify factors associated with the performance of gold mining employees in East Java, Indonesia. Data was gathered using a sample from the gold mining company in East Java, Indonesia. The authors collected information on safety culture, motivation, job satisfaction, and employee performance and other employee characteristics. Data was collected using a questionnaire and conditional procedural analysis conducted to test the model. The results of data processing using SEM shows that safety culture has a significant effect on motivation and job satisfaction. Furthermore, the authors found that motivation and job satisfaction also have a significant effect on employee performance. The findings suggest that practitioners should put more emphasis on developing safety culture as a priority for company management, and firms put more emphasis on developing safety culture as a priority for company management because the results show that safety culture may have a positive impact on employee performance. Corrective action is needed to optimize the factors that influence safety culture. Prioritizing safety culture, providing training and development for employees, creating a compensation system that encourages employees to excel, and setting clear quality standards are steps that need to be carried out by gold mining companies in East Java to improve company performance. The limitation of this research is that the population is focused on employees of a gold mining company located in East Java. Future studies can use a wider population that can more generalize the findings.

The aim of this paper is to describe the background of Indonesian consumers from descriptive analyses made via various secondary resources. In general, Indonesians represent a very important consumer group as they contribute towards the country’s economy via intense domestic consumption. The descriptive findings from the simple analysis are hoped to provide the government and other interested stakeholders with initial insight on the importance of Indonesians as consumers from various aspects like psychographics and on how they contribute to the growth of the country.