The unprecedented changes in the financial market have put a great pressure on financial service providers. As more competitive financial products and services emerge in the market, financial institutions have no choice, but to enhance their competitive advantages. Thus, consumer behavior in purchasing products and services must really be understood by the service providers. Unfortunately, the literature on customer satisfaction and the purchase decision is hardly seen in the finance industry. This paper originally develops a model of the relationship between consumer satisfaction and purchase decision in the finance industry focusing on personal finance. The mediating role of customer satisfaction in the purchase decision is emphasized in this research model. This model had been used to focus purchase decisions by adapted Theory Planned Behaviour (TPB). A clear understanding of the relationship attitude, subjective norms and perceived behavioral control towards purchase behavior had found by previous research. But lack of studies focused on the small-medium enterprises (SME’s) that nowadays have become a platform for the economy in Malaysia. Hence, this conceptual model had focused on SME’s behavior in selecting personal finance. The conceptual model offers insight into the general nature of a recovery that specifically to the understanding of SME’s behavior as well as in purchase personal loan.

This study aims to determine and analyze the influence of perception of usability, ease, security and confidentiality, information technology readiness, complexity, social factors, and taxpayer satisfaction on the use of e-filling. The population in this study is a Private Person Taxpayer registered with the Ternate Tax Service Office, North Maluku, Indonesia. The number of samples in this study was 392 Private Taxpayers. Sampling techniques use Convenience Sampling and data collection techniques through questionnaires. The data analysis method used is Partial Least Square with the Smart PLS statistics program. The results showed that perceptions of usability, security and confidentiality, information technology readiness, social factors, and taxpayer satisfaction affect the use of e-filling. In comparison, the perception of ease and complexity does not affect the use of e-filling.

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The purpose of this study is aimed at investigating the effect of financial and non-financial services offered by Islamic microfinance on micro-entrepreneurs’ economic performance. The study attempts to further examine the moderating effect of bank monitoring in enhancing financial and non-financial services towards micro-entrepreneurs’ economic performance. Data were collected from micro-entrepreneurs who involved in the Islamic microfinance program in three provinces of Southern border (i.e. Pattani, Yala, and Narathiwat) by distributing 480 questionnaires to the selected respondents in the study. Structural Equation Modelling (SEM) using AMOS version 23 was employed to analyze the data and tested the research hypotheses. The result revealed that there was a statistically significant effect of both financial and non-financial services on micro-entrepreneurs’ economic performance (i.e. increase in outputs, investment, and assets). The study found that financial services had a more significant influence on micro-entrepreneurs’ economic performance than non-financial services. Interestingly, the result of this study also attested that bank monitoring had a moderating effect by enhancing financial and non-financial services on micro-entrepreneurs’ economic performance. The implication of these findings was discussed and the recommendations for future research were provided.

Sustainable aquaculture product is a challenge to any community and to the community will need to implement the appropriate strategy. This paper aimed at proposing the strategies of developing cage-based aquaculture business by performing the SWOT analysis and TOWS matrix. Data were collected from in-depth interviews of 30 cage-based aquaculture farmers, 8 fishmongers and 4 fishery officers in Saiburi, Pattani. The SWOT analysis shows that internal factors including labors, quality of fish, fish volumes, knowledge and skills, adequacy of fish breeds and storage management were the significant strengths while less knowledge on the know-how of fish diseases remedy and new technology adoption were the main weaknesses. In the case of external factors, good location, high demand towards aquaculture products and quality of water at the river were the main opportunity whereas COVID 19 pandemic, fish diseases, and irrelevant government policies were the threats and problems. The result of TOWS analysis proposing the strategy development of cage – based aquaculture business was (i) the farmers should put emphasis on creating fresh fish processing, online marketing skills, and establish group networks. (ii) during COVID 19 fishmongers should focus on using online marketing channels to grab more customers. (iii) the government or relevant authorities should conduct holistic knowledge and skills management with regards to the production processes, giving solutions to the fish diseases and performing affective marketing management which are in line with the farmers and fishmonger’s needs while continuously doing follow up that allows for further assessment.