The significant of supply chain management (SCM) on the performance of organization's is described and evaluated in this study. The role of operational performance is examined regarding supply chain in textile and apparel sector which is crucial for the performance of whole organization. Textile industry of Indonesia in terms of revenue is anticipated to grow at an aggregated gross rate of 6.01%, during forecasted period, 2015-2025. Excellent SCM is necessary for managing this growth. Supply chain role is very crucial in this industry for flourishing but unfortunately operational performance of supply chain is not performing on required level. This is a cross sectional type of research and data collection from textile and apparel firm managers which directly supervise to supply chain division. Currently business environment is very competitive and organizations need to focus on SCOP except organizational performance. In this study, we try to find the solution of this problem after analyzing through jointly the mediating role of Information Technology (IT) and independence effect of Relational Capability (RC) and Organizational Culture Capability (OCC) on supply chain operational performance in Indonesian apparel and textile industry. Results indicate that this research is helpful to resolve supply chain operational issues in Indonesia. .

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This research studies the effects of the religiosity on financial technology (fintech) adoption. The study examines religiosity as part of the Technology Acceptance Model (TAM) dimensions for the adoption of mobile payment technology. We explore the role of religiosity in TAM and recommend several policies for related organizations. The study uses professional sample calculation from 113 traditional markets under Perumda Pasar Jaya as a business entity whose capital is wholly or mostly owned by the regional government through regional assets of DKI Jakarta Province, Indonesia, which use mobile payment technology. We obtained 363 respondents from June 2020 to June 2021, coinciding with the Covid-19 pandemic. Hypothesis testing was done employing SmartPLS 3.2.9 software and questionnaires. The study also adapts previous studies to ensure the questionnaires are relevant to the research objects. The research result show that religiosity explained the formation of TAM by small businesses in traditional markets under Perumda Pasar Jaya Management. Religiosity and the adoption of mobile payment technology determined whether a user used fintech or not. As the research period was limited to June 2020 - June 2021, including field research in the traditional markets, newer TAM mobile payment technology development and other TAM mobile payment-based research were not included. This research offers a new TAM development model using religiosity for mobile payment adoption in traditional markets.