In Indonesia, nowadays, private vehicles, such as cars, also function as public transportation carrying people/goods and charging agreed fees. This mode of transportation is known as an online taxi. Along with the advancement of technology, current applications appear to introduce online transportation ordering services using technology and service standards. Based on these phenomena, some online taxi service providers are existing in Banjarmasin, such as Grab-Car, Go-Car, Maxim, and In-Driver. All services provided are almost the same in transporting people with similar booking systems through an application already installed on the cellphone online, but they have different prices. The number of recent developing online taxis causes the competition to be even tougher. This competition occurs because the price and service are the factors determining consumers' satisfaction and preference. Hence, online taxi companies attempt to create quality service and appropriate prices to meet consumers' satisfaction. This study aimed to determine the role of the marketing mix program and drivers' behavior while driving on the consumer satisfaction with online in-driver taxis in Banjarmasin. This research employed path analysis. The population of this study involved 121 consumers of in-drive taxis in Banjarmasin. The samples were taken from the population through the census method. The results of this study showed that product, price, and promotion had a positive and significant effect on the consumer satisfaction with in-drive taxis in Banjarmasin, and these three variables also positively and significantly affected the drivers' behavior of in-drive taxi drivers while driving in Banjarmasin. Simultaneously, product, price, place, and promotion had a positive and significant impact on the consumer satisfaction with indriver taxis in Banjarmasin through the drivers' behavior of the in-driver taxi in Banjarmasin while driving as an intervening variable.

Objective: This is to analyze the effect of murottal therapy to anxiety levels of patient preoperative in the Installation Central Surgical (ICS) General Hospital Sari Mulia Banjarmasin. Methods: This research uses quantitative research Quasi-experimental design with the one-group pretest-posttest design. The sampling technique used purposive sampling with a sample size of 22 patients pre-operation. Collecting data was using questionnaires. The data were analyzed using Wilcoxon test statistic Results: There is a significant association between murottal therapy to anxiety levels of patients preoperative in the Installation Central Surgical (ICS) General Hospital Sari Mulia Banjarmasin. Conclusion: Murottal therapy is an important thing to do when someone gets ill or will have the surgery. Murottal therapy can decrease or release the anxiety levels in patients.

This paper examines and discusses economic and financial development strategies in developing countries, starting from creativity efforts to creating sustainable innovations. A series of data collections were collected from national and international publications to discuss those published 12 years ago. Then we conducted an in-depth study of the collected data with a phenomenological approach to strengthen the data as findings that will be used as answers to research hypotheses with high standards of validity and reliability. By considering the data we have reviewed and discussing the interrelationships between existing variables, we finally conclude that economic governance in developing countries can be carried out with high creativity to give birth to the latest innovations to achieve economic progress and prosperity throughout the country. It is hoped that these findings and recommendations can support the implementation of future studies and applications in both academic and work contexts.

This paper aims to identify the zakat as sepnding part certain from treasure certain have until the Nisabah for the right people accept it. There are 166 million of Muslims in Indonesia (83 % of Indonesia's population is 204.8 million), assumed as muzakki. Muzakki is 18 %, and the potential for zakat in Indonesia is 19.3 trillion per year.  This research was a qualitative approach in the form of a case study. Sources and types of data using data primer. The results showed that management of zakat funds at the Amil Zakat Institute Baitul Maal Muamalat already fulfills standard management which covers management finance in the form of collection, distribution, recipient of funds, field program objectives, form and nature distribution, disbursement of funds, accountability, and management fund balance. From this research, we can get data related to the mechanism for collecting and distributing zakat funds and can be used as research and addition of knowledge.