The development of mobile Internet services allows more consumers to adopt smartphones as their primary communication device. This study focused on the application of the Technology Acceptance Model (TAM) to determine the willingness of batik and textile craftsmen to use smartphones. The population of this study was batik and textile craftsmen in the Bayat, Klaten, Central Java, Indonesia. A total sample of 243 people had answered 30 questions on the questionnaire with a 5-point Likert scale. The results of data analysis using GSCA software showed that, from eight hypotheses proposed, two hypotheses had not been supported. Technical support was not significant for the ease-ofuse. It is because the damage experienced can be easily resolved by a repair shop. The findings reinforce the importance of training during the implementation of new technology. This training can make the users understand how to use new technology. The findings of this study strengthen the theory of TAM. Management support further influences the usefulness. This finding supports the theory of Igbaria technology acceptance. However, social influence did not significant influence the usefulness. This was because this study was conducted when the smartphone was no longer said to be a new technology.

Micro Small and Medium Enterprises (MSMEs) have a very significant role in the economy, can even be said to be the backbone of the economy. However, MSMEs are precisely the sector hardest hit by the Covid-19 pandemic. Digitalization creates new opportunities for MSMEs in the pandemic. FinTech, one of the implementations of digitalization should be pursued to be used by MSMEs. Using path analysis processed using Partial Least Square (PLS), this research aims to identify how Unified Theory of Acceptance and Use of Technology (UTAUT) works on Adopting FinTech by MSMEs. The Outer Model and Inner Model reflect that the model work. The outer loading value of ? 0.7, AVE value ? of 0.5, Cronbach's Alpha ? 0,70, a correlation value ? of 0.50; and Composite Reliability ? 0.6, and R-Square 0.716 reflect it. However, regarding the factors that influence intention to use, it is different from previous research that became a reference. There are only four hypotheses proven. Those are Context had a significant positive effect on Perceived Ease of Use and Perceived Usefulness, and Perceived Ease of Use and Perceived Usefulness had a significant positive effect on the intention to use fintech. Keywords: FinTech, MSMEs, Digitalization, UTAUT, Inclusive

The aims of this study was to examine and analyze the influence of Quality Product and Price Perceptions to PT. Asuransi Jiwasraya in Kudus. The method of collecting data using questionnaire and analysis techniques used Structural Equation Modeling to the 203 respondents. Analysis of the data in this study using AMOS version 22. The sampling technique used is purposive sampling and testing techniques of data used in this study include the validity and test reliability. The results showed that the variable quality product and price perceptions were positive and significant on the trust and customer satisfaction. ABSTRAKTujuan dari penelitian ini adalah untuk menguji dan menganalisis pengaruh Kualitas Produk dan Persepsi Harga terhadap PT. Asuransi Jiwasraya di Kudus. Metode pengumpulan data menggunakan kuesioner dan teknik analisis menggunakan Structural Equation Modeling kepada 203 responden. Analisis data dalam penelitian ini menggunakan AMOS versi 22. Teknik pengambilan sampel yang digunakan adalah purposive sampling dan teknik pengujian data yang digunakan dalam penelitian ini meliputi validitas dan uji reliabilitas. Hasil penelitian menunjukkan bahwa variabel kualitas produk dan persepsi harga adalah positif dan signifikan terhadap kepercayaan dan kepuasan pelanggan. Kata Kunci: Produk Berkualitas; Persepsi Harga; Kepercayaan; Kepuasan PelangganJurnal Penelitian Ekonomi dan Bisnis (JPEB), 2 (2), 2017, Hal : 101 -113 102 PENDAHULUANAsuransi merupakan perjanjian antara dua pihak atau lebih, di mana pihak penanggung mengikatkan diri kepada tertanggung, dengan menerima premi asuransi, untuk memberikan penggantian kepada tertanggung karena kerugian, kerusakan atau kehilangan keuntungan yang diharapkan atau tanggung jawab hukum pihak ke tiga yang mungkin akan diderita tertanggung, yang timbul dari suatu peristiwa yang tidak pasti, atau memberikan suatu pembayaran yang didasarkan atas meninggal atau hidupnya seseorang yang dipertanggungkan (Undang-Undang No. 2 Th 1992). Badan yang menyalurkan risiko disebut "tertanggung", dan badan yang menerima risiko disebut "penanggung". Perjanjian antara kedua badan ini disebut kebijakan. Biaya yang dibayar oleh "tertanggung" kepada "penanggung" untuk risiko yang ditanggung disebut "premi". Ini biasanya ditentukan oleh "penanggung" untuk dana yang bisa diklaim pada masa depan, biaya administratif, dan keuntungan.Saat ini banyak orang yang menjadi nasabah asuransi, karena terdapat beberapa keuntungan diantaranya, mengantisipasi musibah yang datangnya tidak terduga, sehingga berpengaruh terhadap harta bahkan jiwanya, biaya kesehatan yang terus meningkat (walaupun ada BPJS, namun terdapat beberapa obat atau pemeriksaan yang tidak dapat diganti oleh BPJS), risiko kematian yang datangnya tiba-tiba. Alasan lainnya oang pasti akan tua, sehingga kemampuan untuk mencari penghasilan atau bekerja akan menurun seiring dengan bertambahnya usia. Ada saatnya nanti tidak mampu lagi bekerja dan memperoleh penghasilan.

The aim of this study is to explore a proposition of eco-innovation internet-based approach to bridge the gap between market orientation and marketing performance of the batik SMEs in Indonesia. Batik is an Indonesian art of waxed hand painting on the textile by utilizing of natural dyes. The 250 questionnaires were distributed among the SMEs actors; however, 189 out of 250 questionnaires were valid to be further processed. This research has provided some empirical evidence that the approach of e-eco-innovation has a significant impact on marketing performance. Furthermore, market orientation also has a significant impact on both marketing performance and e-eco-innovation. Therefore, the adoption of ICT (Internet & Communication Technology) and eco-innovation may contribute not only to the body of knowledge of green marketing but also for the practice of green marketing amongst SMEs in developing countries.

Sustainable tourism in Indonesia is challenging because it must harmonize bringing in tourists and maintaining the sustainability of culture and nature. Environmental problems influence sustainability tourism in Indonesia. Aside from discussing the policy implementation, this research focuses on promoting the local wisdom of sustainable tourism coupled with a virtual reality application. This study is supported by various previous studies on sustainability coupled with digital technology. Placing tourism in the contexts of eco-tourism, ecosystem, and sustainability is based on belief in the existence of values, beliefs, and norms (VBN). This research aims at developing a virtual reality destination experience (VRDE) model as a moderating variable between sustainable tourist behavior (STB) and tourist visit intention (TVI). The portability variable strengthens VRDE, and the content quality variable supports VRDE. The research method used was purposive convenience sampling covering 204 respondents who visited the vicinity of Kebon Indah batik village in Klaten, Central Java, Indonesia. The research findings were H1—STB has a significant effect on VRDE (0.00 < 0.05), H2—VDRE has a significant impact on TVI (0.00 < 0.005), H3—portability has a significant effect on VRDE (0.039 < 0.05), and H4—content quality does not have an impact on VRDE (0.401 > 0.05). The novelty of this research is the VRDE application applied to community sustainable tourist behavior in developing countries. However, the content quality of VR has yet to meet respondents’ expectation.