Purpose: The main objective of this research was to analyze the effect of religiosity as a moderator on the relationship between service quality, customer trust, satisfaction, and loyalty towards Islamic banks in Jakarta. Design/Approach/Methodology: The research sample was 240 respondents (Islamic bank customers) taken by purposive sampling. The data were analyzed using Partial Least Square (PLS), a covariance-based SEM with WarpPLS 6.0 software. In general, the structural model fit carried out in this research was adequate, and the measurement model met the validity of internal consistency reliability. Findings: The results showed that the variables of service quality, customer satisfaction, and religiosity had a positive and significant direct effect on customer loyalty. However, the direct effect of customer trust on customer loyalty was not significant. Meanwhile, religiosity had a positive and significant effect on the relationship between service quality and trust in customer loyalty. Also, religiosity failed to moderate the effect of customer satisfaction on customer loyalty. Practical Implications: This research is expected to contribute not only to the development of literature but also to the banking industry, especially Islamic banks, in developing marketing strategies related to the impact of religiosity so that the promotion of religious activities that are meticulous and sensitive to customers can help spread and strengthen moral norms of ethical behavior in understanding Islamic banks. Originality/Value: This study is original research that provides references to the factors that influence customer loyalty in Islamic banks, especially in Islamic countries, where the role of culture is powerful.

The purpose of this study is to provide an insight into the government's need for sustainable socialization on the importance of paying taxes. This study also aims to analyze the taxpayer's awareness, whether it can mediate the knowledge and understanding of tax regulations on taxpayer compliance or not. The approach in this study is quantitative, with taxpayers as the respondents. The results show that knowledge and understanding of tax regulation and awareness of taxpayers simultaneously contribute to taxpayer compliance. Also, indirectly, knowledge and understanding of tax regulation in the society through the awareness of taxpayer do not have significant influence on tax compliance. Based on the questionnaire, the people have not fully mastered the tax administration using information technology and they have not fully realized the importance of paying taxes for the progress of the nation, due to the different demographic background. This study offers a new understanding and a better perspective of the influence of knowledge, understanding, and awareness of taxpayer compliance. The results will be useful for academics, communities, and governments as they are related to the subject of this study.

This empirical research aimed to determine the organizational learning influence extent on the organizational core competencies and diversification strategy in improving the private university organizations performance in the East Nusa Tenggara province. This study was conducted in stages in order to determine the partial effect of organizational learning on the organization's core competencies, diversification strategies and organizational performance. The aforementioned aspect contributes to further studies in the strategy management. It concerns the effect of organizational learning on core competencies, diversification strategies and organizational performance, especially in organizing private universities. Previous research was reviewed to aid variables and hypothesis development. The variables used in the research are organizational learning, organizational core competencies, diversification strategies and work performance. The following stages were conducted through the course of the research: browsing articles, separating articles, extracting data, synthesizing data, reporting data. Data analysis method used path analysis. The approach used is quantitative positivists. The populations in this study were all private universities in the scope of Region VIII LLDIKTI Bali and Nusa Tenggara, focusing in East Nusa Tenggara. The sample were university and college in East Nusa Tenggara province: 40 PTS (High Education Institutions) consisting of 12 universities and 28 college. This study focused on the phenomenon occurred in NTT province higher education. The higher education organization management has not been well standardized. It exhibited low quality organizational competency, educational qualifications, lecturer competencies, facilities and infrastructure. Offered study programs are not in accordance with the regional condition. The graduate's competence does not suit the regional need. The local governments do not focus its effort in higher education. Regardless of this obstacle, the community keeps sending their children to higher education institutions. This is indicated by increased number of universities in NTT and high-interest rate in entering higher education. This condition encourages researchers to determine the phenomenon's crucial aspects. This research aim to illustrate how organizational learning, core organization competencies and diversification strategies need to be developed in improving private university institutions performance in NTT province.

This paper aims to examine more deeply the role of the customer forgiveness and service recovery variables on the relationship between service failure and loyalty. This research uses a go-car service on a gojek as the object of research. Go-car service was chosen because it is one of the services in Go-jek that has received a lot of criticism from its users. The respondents in this research were Go-Car service users who had experienced service failures when using the service. The determination of the number of samples in this research used a purposive sampling technique with a sample of 200 respondents. The method of collecting data is using a questionnaire, the data is analyzed using PLS-SEM.

Currently, innovation is an important issue among SMEs, especially the creative industry. This research is based on the phenomenon that occurs in the creative (fashion) SMEs, such as batik, weaving, silver handicrafts and leather crafts industry that mostly traditionally produced in the Special Region of Yogyakarta, Indonesia. This study aims to examine the role of innovation in mediating the effect of market orientation and entrepreneur. It used a cross-sectional survey of 187 creative SMEs owners The data were analyzed with the analysis of structural equation modeling (SEM). Findings reveal that market orientation and entrepreneurial orientation proved to have a positive and significant effect on business performance. An interesting result of this study is that there are differences in measurement to construct market orientation variables in the context of SMEs. Other findings indicate that innovation plays a role as a mediator in the influence of market orientation and entrepreneurial orientation on SME business performance. Nevertheless, the mediating role of innovation in determining the magnitude of the influence between market orientation and entrepreneurial orientation on business performance is smaller than the direct influence. Overall, the results of this study indicate that a combination of market orientation and entrepreneurial orientation are the instruments that underlie fashion SMEs in shaping innovation to improve the performance of creative (fashion) SMEs.