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The goals of its research was to decide the impact of Regional Financial Independence (KKD), the effect of Fiscal Decentralization (DF), the effect of PAD Effectiveness, also Regional Financial Efficiency (EKD) to Capital Expenditures (BM) partially and generally. The study data derive the Regency and City APBD in the Madiun Bakorwil 2014-2019, namely Madiun Regency, Magetan Regency, Ngawi Regency, Ponorogo Regency, Pacitan Regency, also Madiun City. The method of data analysis used multiple regression by SPSS V-20. The output indicated that KKD had an effect on BM, DF had an effect on BM, PAD Effectiveness had no effect on BM, EKD had an effect on Capital Expenditures. The adjusted R 2 value is 0.408, meaning that the influence of the KKD, DF, PAD Efficiency and KD Effectiveness variables on Capital Expenditures is 41% while the residual 59% is affected by outside of other variables not checked in this research. Keywords — Financial Performance, Financial Independence, Fiscal Decentralization, Effectiveness, Efficiency, Capital Expenditure

Purpose Stimulating new business creating has been a decisive issue and the Indonesian Government is responding to this issue by providing entrepreneurship programs for Islamic students. This study aims to examine the impact of Islamic values and entrepreneurship education to predict Islamic students’ intention for business, as well as investigates the mediating role of entrepreneurial inspiration and attitudes. Design/methodology/approach The study estimates primary data obtained from a sample of 381 Islamic boarding students in a selected area in Indonesia who incorporated entrepreneurial education and practices. In addition, structural equation modeling has been incorporated to answer the hypotheses raised in the research. Findings The findings strengthen the study of the influence of Islamic values that affects both directly and through inspiration and motivation on students’ entrepreneurial intentions. Additionally, it found the direct and indirect influences of entrepreneurship education on intentions for entrepreneurship through inspiration and motivation. Research limitations/implications This study has been cramped to draw a limited geographical area in Indonesia and the research’s implication is used for relevant themes in Islamic entrepreneurship. Practical implications The findings of this research give insights to promote students’ entrepreneurial intention from Islamic schools. Social implications The findings of this study offer a broader knowledge to enhance entrepreneurs through economic education in Islamic boarding schools. Originality/value These results provide insights into the important effects of Islamic values, particularly in the context of Islamic boarding schools. The findings suggest that Islamic values be an important contextual factor for Islamic boarding school students’ entrepreneurial intentions.

— The research objective to analyzes the contribution of the primary and secondary sectors to the GRDP of Madiun Regency, analyzes the direction of the relationship between the primary and secondary sectors toward economic growth and analyzes the effect of the contribution of the primary and secondary sectors on the economic growth of Madiun Regency in 2014 - 2018. The data used in this study are (1) Gross Regional Domestic Product (GRDP) aggregate primary and secondary sectors/sub-sectors is the total value added (products) generated by various primary and secondary sectors/sub-sectors which has carried out business or activities in an area without regard to the selection of production factors for the data of 2014 - 2018 (2) GRDP based on the prevailing prices of the primary sector and the secondary sector of Madiun Regency based on the field of business data in 2014 - 2018. Research results that (1) The contribution of the primary sector which contributed the first is the agriculture, forestry and fisheries category, followed by mining and quarrying in Madiun Regency. (2) The contribution of the secondary sector which contributed the first is the construction category, followed by the processing industry, water supply and the lowest is electricity, gas procurement in Madiun Regency. (3) The direction of relations of each sector is positive. (4) Partially, each sector does not significantly influence the rate of economic growth in Madiun Regency. (6) Simultaneously the primary and secondary sectors have a significant effect on economic growth variables in Madiun Regency in 2014-2018. Keywords—: Primary Sector; Secondary Sector; Economic Growth; Madiun Regency.

— The existence of PT Abadi Putera Wirajaya Karesidenan Madiun as a distributor must be used as the spearhead of the marketing of Semen Gresik products by increasing consumer buying interest. This study aims to determine the partially and simultaneously influence of price, promotion and distribution channels on consumer buying interest in Semen Gresik products at distributor of PT Abadi Putera Wirajaya Karesidenan Madiun and the variables that have a dominant influence on consumer buying interest in this products at distributor of PT Abadi Putera Wirajaya Karesidenan Madiun. The population in this study were all distributor channels in PT Abadi Putera Wirajaya Karesidenan Madiun in 2020, totaling 137 distributors. The sample in this study was 102 distributors whose size was determined by the Slovin formula. Sampling using random sampling technique. The research instrument used a questionnaire. The data analysis technique used validity and reliability test, classical assumption test, coefficient of determination analysis and hypothesis testing using t test, F test and standardized coefficients test. The results of the study are: 1) Price, promotion and distribution channels variables partially influences consumer buying interest in Semen Gresik products at distributor of PT Abadi Putera Wirajaya Karesidenan Madiun, 2) Price, promotion and distribution channels variables simultaneously influences consumer buying interest in Semen Gresik products at distributor of PT Abadi Putera Wirajaya Karesidenan Madiun, 3) Promotion is a variable that has a dominant influence on consumer buying interest in Semen Gresik products at distributor of PT Abadi Putera Wirajaya Karesidenan Madiun. Keywords—: Price; Promotion; Distribution Channels; Buying Interes.

This study is intended to examine the problems in MSMEs in East Kalimantan. This study uses survey techniques by distributing questionnaires, then the data or information obtained is processed by statistical methods using the PLS Warp software. The data analysis method uses PLS (Partial Least Square). The number of questionnaires distributed as many as 320 respondents according to the number of samples in this study with the process of taking a simple random sampling data. The results showed that: Product innovation had no significant negative effect on customer satisfaction, product quality had a significant positive effect on customer satisfaction, CRM had a significant positive effect on customer satisfaction, product innovation had no significant negative effect on competitive advantage, product quality had a significant positive effect on excellence competitive, CRM has a significant positive effect on competitive advantage, product innovation has a significant positive effect on performance, product quality has a significant positive effect on performance, CRM has no significant positive effect on performance, satisfaction has a significant positive effect on competitive advantage, competitive advantage has a significant positive effect on performance, Satisfaction has a significant positive effect on performance in the Micro, Small and Medium Enterprises, Craft Products Category in East Kalimantan, Indonesia.

— The number of MSMEs in Indonesia as of 2016 was 57,895,721 units with a contribution of GDP of 60.34% and absorbing employment of 96.99% with the dominance of micro-enterprises at 98.77% (Barnas, 2016). Behind its large contribution to GDP, MSMEs can be a pillar of a strong economy, but face a pile of obstacles. The problems faced in general and nationally are still around the low quality and standardization of products, low capability and quality of human resources, low ability to improve access to finance, less and minimal product innovation touched by technology, difficult regulation and licensing, difficulties in wider market access and many other obstacles. This was also experienced by SMEs in Glonggong Village, Dolopo Subdistrict, Madiun Regency, where in this village was the center of Tempe Chips craftsmen. Priority there are 3 (three) basic problems faced, namely limited product marketing, Performance Products (product display) that are still very simple, not having a product identity (brand) and capital (not bankable). the solution offered is in the form of socializing the importance of the brand as a product identity, training in the preparation of simple financial reports for MSMEs and strategies to penetrate the broader market through packaging innovation.

Madiun Regency is one of the districts in the western part of East Java which has a very strategic location as a transit city. Then the tertiary sector has a big role / contribution to Gross Regional Domestic Product / PDRB which certainly affects economic growth. This research was carried out in order to: (1) Identify the leading sectors of the tertiary sector in Madiun Regency. (2) Reviewing the contribution of tertiary sector to PDRB of Madiun Regency. and (3) Assessing the base sector which can be used as a mainstay for economic development in Madiun Regency, especially the tertiary sector in 2019 and in the future. The results of research using the analysis of Location Quotient (LQ) are (1) The tertiary sector of Madiun Regency is included in mainstay, superior and prospective criteria. (2) The superior potential of tertiary sector Madiun Regency are the information and communication sector, real estate, education services and health services and social activities. Based on analysis of contribution to the Gross Regional Domestic Product / PDRB of tertiary sector that has largest contribution is the financial and insurance services sector; second is the information and communication sector; and third is government administration, defense and social security is mandatory. Keywords—: Tertiary; Superior Product; Location Quotient (LQ); Contribution; Madiun Regency.

Purpose of the study: This paper is intended to understand the investment pattern for formal workers in Indonesia. Thus, it is also aimed to provide a specific form of variable construction of productive financial management for workers. Methodology: This study followed qualitative research by emphasizing the active interaction of the subject and the object of researchers in the form of a discussion to determine the ideas or basic reference model of productive financial management, specifically and focus on each individual form in which the organization is located. The data were gathered using in-depth interviews with respondents in the category of civil servants, state-owned and private employees with lower, middle, and upper-level segregation of interests and reasons for making investment decisions. Main Findings: The findings showed that the investment decision making for formal sector workers are motivated by benefits and financial security in the future. Their investment decision also considers the income received by individuals in each type of institution. Lastly, technology contributes to change investors’ economic behaviour. The ease of getting information strengthens the motivation of formal sector workers in productive financial management. Applications of this study: This study provides an investment decision model for formal workers that can be considered ways to enhance the individual understanding of investment. Novelty/Originality of this study: This study aims to contribute to this growing area of research by exploring investment patterns for formal workers then propose a financial management model for workers.

Purpose: The main purpose of this study is to explain the role of parents in teaching business management to their children from an early age for the success of family business succession. Methodology: It was a qualitative study and data were collected by observation, in-depth interviews, and documentation. The focus of this study was the succession process of the PekalonganBatik business analyzed from the entrepreneurial learning perspective. Interview questions focused on entrepreneurial learning and how parents teaching business management. Interviews conducted into 6 Informants. Each interview took between 35 – 45 minutes. Main Finding: The results of this study showed that parents usually introduced business management to their children from an early age. They made their children involved in the business to know about the planning, producing and marketing of Batik cloths. The indicators of giving entrepreneurial learning to children are involving them in business activities; they learned to manage the business by doing those activities at their parents’business. Implications/Applications: This study can be useful for another batik enterprises center to guidelines for succession. Novelty/Originality: This research was to explore the parents to involve their children from an early age to help manage businesses in preparation for business succession.

PurposeThis article aims to understand how social enterprises adopt crowdfunding in digital humanities by investigating the mission drifting, risk sharing and human resource practices.Design/methodology/approachThis exploratory study uses a qualitative method by observing five different social ventures in Indonesia. The case study involves observation of social enterprises that concern digital humanities projects and interviews with those who manage the crowdfunding for financing the projects as the key respondents. The analysis uses an interpretative approach by involving the respondents to explain the phenomena.Findings(1) Adopting the crowdfunding platform encourages social enterprises to reshape social missions with more responsive action for digital humanities. (2) Crowdfunding allows social enterprises to share the risk with stakeholders who focus on fostering the social impact of digital humanities. (3) Crowdfunding stimulates social enterprises to hire professional workers with flexible work arrangements to attract specific donors and investors.Originality/valueThe result extends the principles of social enterprises by introducing some concepts of crowdfunding in digital humanities. This study also explains the boundary conditions of digital humanities projects and how crowdfunding can support the projects by adopting the principles of the social enterprise that works on digital humanities projects.

The aim of this study was to examine the role of entrepreneurial marketing as a mediating variable in the relationship between environmental turbulence and dynamic capability with sustainable competitive advantage. This study involved 130 craft industries in Malang Regency, Malang City, and Batu City, East Java, Indonesia. Application of loading factor followed by SEM-PLS developed a model showing how environmental turbulence and dynamic capability influence on entrepreneurial marketing which consequently leads to differentiation and performance improvement which are the established indicators of sustainable competitive advantage for the firms. The model was empirically validated using model fit indices and was found satisfacto-ry. The findings show that environmental turbulence did not have any significant relationship with a sustaina-ble competitive advantage. Dynamic capability had a significant relationship with a sustainable competitive advantage. Entrepreneurial Marketing mediates the relationship between environmental dynamic capabilities with sustainable competitive advantage. The analysis shows that highly dynamic capability and entrepreneurial marketing tends to highly sustainable competitive advantage. It indicated that dynamic capability and entrepreneurial marketing offer systematic model for supporting Micro, Small, and Medium Enterprises (MSMEs) to build a well-maintained environment and sustainable competitive advantage.

This study is based on the importance of economic learning based on Pancasila values and Article 33 of the Indonesian 1945 Constitution. Learning must be presented in accordance with the basic characteristics and values that exist in Indonesia. Tudang sipulung as a form of culture group communication is found in Indonesia, especially for the Bugis-Makassar ethnic. Communication in the Tudang sipulung is a very important part of the role of the group meaning in the decision making process, the formation of attitudes, and human behavior in formulating a decision. There must be awareness and efforts to restore economic education in accordance with Indonesia's identity, namely the Pancasila economy. The purpose of this study is to identify problems and analyze the needs of economic learning and develop the design of Pancasila economic learning. This study uses a design-based research (DBR) method. The results of the study explained that: 1) Tudang sipulung give changes to the way of critical thinking, attitudes and actions of students. 2) The realization of interaction in the family and togetherness with the form of deliberation through the FGD setting on the Tudang sipulung.

This study aims to examine the entrepreneurial orientation associated with business performance by incorporating flexibility strategies as mediation and the external environment of the business as moderation by taking studies in the small handicraft industry sector in East Java Indonesia. Data collection techniques used questionnaires distributed to UKM owners or managers of the craft sector as many as 198 entrepreneurs. The results of testing structural equation modeling with W arpPLS show that entrepreneurial orientation does not have a significant positive effect on business performance while entrepreneurial orientation on flexibility strategies has a significant positive effect. The results of the verification of the flexibility strategy mediate the relationship between entrepreneurial orientation to performance while the external business environment is not able to moderate the relationship between entrepreneurial orientation and performance. Key words: Entrepreneurial orientation, flexibility performance, positive effect, WarpPLS

This study aims to determine the effect of Muslim customer perceived value on customer satisfaction and customer loyalty of sharia banking and religiosity role in moderating the existing effect. The study population includes all customers of Sharia banking. Total samples of 104 respondents are selected by accidental sampling technique. To know and to test the research hypothesis, data are analyzed by partial least square (PLS). This study has four results. First, the Muslim customer perceived value (MCPV) variable directly affects customer satisfaction. It consists of price, emotional values, and social values variables. While the quality, Islamic physical attributes, and Islamic non-physical attributes variables directly do not affect satisfaction of Islamic bank-ing customers. Second, Muslim customer perceived value (MCPV) variable directly affects customer loyalty. It consists of price, emotional value, physical and non-physical attributes of Islam. Moreover, quality and social value variables directly do not affect loyalty of sharia banking customers. Third, satisfaction only mediates the effect of price, emotional value, and social value variables on the loyalty of sharia banking customers. Satisfaction does not mediate the effect of quality, Islamic physical attributes, and Islamic non-physical attributes affect the loyalty of sharia banking customers. Forth, Religiosity does not moderate the effect of Muslim customer perceived value (MCPV) variable, namely Islamic physical attributes and Islamic non-physical attributes, on satisfaction of sharia banking customers.

The development of information technology has brought the changes to the rapid growth and competition of online website stores in Indonesia. Online store businesses are aggressively making various marketing efforts to influence consumers to shop on their website. The Indonesian government has seriously issued several regulations regarding online commerce or e-commerce since 1997. Thus, this phenomenon has encouraged researchers to analyze the influence of website quality and the application of Government Regulations related to Ecommerce Law through website verification of the behavior of impulse buying, which was conducted by the millennial generation online. This paper presents an empirical investigation to study the effect of website quality and government regulations on online impulse buying behavior among some undergraduate students at Brawijaya Malang University. The results have confirmed that both website quality and government regulations had some impacts on online impulse buying behavior.

This study intended to review how the entrepreneurial learning was done in the level of tertiary education and to contribute thoughts in the form of recommendations of how the maximal effort in entrepreneurial learning should be implemented so that students would have strong entrepreneurial attitudes to compete in industrial revolution era 4.0. This case study was done in two colleges of Yogyakarta and Surakarta cities in Indonesia by involving 183 students to fill the first survey and 20 students to do an in-depth interview. A grounded-theory model was applied as an approach to investigate the current form of entrepreneurial learning applied by the lecturers, how the entrepreneurial attitudes were instilled in class, the suitability of the learning model to the current generation, and views of the appropriate entrepreneurial learning model for the current generation. The result showed that entrepreneurial learning had been 51.91% taught in the form of theories, hence the entrepreneurial learning was not yet optimally felt by the students. They also revealed that the model of learning applied by their lecturers in entrepreneurial learning was not yet suitable for the development of the current generation. The students wanted the portion of theoretical material in entrepreneurship learning to be reduced, and develop it to practical learning, business internship and training involving digital information technology and online social media. With such learning, the students would get better entrepreneurial attitudes. https://doi.org/10.26803/ijlter.18.9.5

The research was distributed by certain important factors to decide to save or invest. Clients also pay attention to service and savings products offered by the bank so that the customer would like to use it. Clients always want products that canmeet their needs, and asked the bank to provide the best service. Those factors are one of the things that affects the interests and needs of the behavior of customers. The purpose of this research is to know the influence of the quality of service, product quality, and profit sharing the results against the interest of saving the customer at BCA Bank Syariah in Sidoarjo. This research is quantitative descriptive research with survey method. The number of samples as many as 100 respondents, this research instrument in the form of an online questionnaire. Test instruments, test the classical assumptions, and test data analysis in this research using SPSS 20.00. The results of this study showed that the quality of service (𝑿𝟏), quality savings products (𝑿𝟐), and profit sharing (𝑿𝟑) jointly have a significant influence on relations and against the interest of saving the customer (Y) with the value F of 106.989 with the value significance of determination coefficients and 0.000 (𝑹𝟐) worth 0.763 (76.3%).

This research aims to analyze the payback or Return on Assets (ROA) which has very significant effect against the Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Net Performing Loan (NPL), Net Interest Margin (NIM), and operatingexpenses against the operating income (BOPO). This research uses population of 13 commercial banks with the lowest accounting assets in Indonesia for 2014-2017 period. In this research, the secondary data is taken in the form of the financialstatements of the bank starting from 2014 until 2017. Technique of data analysis in this study uses regression analysis panel where Return on Asset (ROA) as its dependent variabel and the Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Net Performing Loan (NPL), Net Interest Margin (NIM), and operating expenses against operating income (BOPO) as its independent variabel. The results of this research provide evidence that Net Performing Loan (NPL), Net Interest Margin (NIM), and operating expenses against the operating income (BOPO) partially have significant influence towards Return on Asset (ROA) on 13 commercial banks, while Loan to Deposit Ratio (LDR), and the Capital Adequacy Ratio (CAR) partially do not havesignificant influence towards Return on Asset (ROA).

This study analyzed 147 SMEs company owners in SMESCO Indonesia with structural model equation modeling-partial least squares (SEM-PLS) tool. Method of sampling non probability sampling with purposive sampling. The result of the research: firstly that innovation strategy has no effect on the performance of SMEs company (positively insignificant), but positively influential to the performance of SMEs company through competitive advantage; secondly that market orientation has no effect on company performance (negative not significant), but positively significant effect of market orientation on company performance through competitive advantage.

This research applied sctructural equation modelling (SEM-AMOS) withtotal of 126 respondentsowners of SMEs in Indonesia. Metodhs used is non probability purposive sampling. Conclusion of this research were: market orientation and startegic innovationhave positive correlationstoward SMEs' performancein Indonesia; secondly: market orientation and strategic innovation have no positive correlation toward SMEs' performance in Indonesia mediated by competitive advantge which contradicted previous reserach (Taufik, 2018).

Purpose: The aim of this study is to test the hypothesis about the effect of corporate governance and premium growth in the performance of insurance companies in Indonesia. The growth rate of insurance premiums has decreased throughout 2016, followed by a decline in performance mainly influenced by poor corporate governance. Design/Methodology/Approach: By comparing different studies we try to come to a conclusion regarding the effect of corporate governance and premium growth in the performance of insurance companies. Some previous research stated that corporate governance does not positively affect the performance of these companies. Others, have found that growth in premiums, capital growth, returns, claims ratios, and types of capital affected the growth of life insurance company assets, while the ratio of acquisition costs, administrative cost ratios, and capital did not significantly affect the growth of life insurance company assets in Indonesia. Findings: There is a positiveThe findings in this study are the research framework which states that The Effect of Corporate Governance and Premium Growth on the Performance of Insurance Companies in Indonesia with company growth as mediation. Practical Implications: Findings of this study can be used by insurance companies as a study material to improve their performance. Originality/Value: The research hypotheses tested as they have been generated from the research framework., peer-reviewed

Learning in the education era 4.0 requires strengthening skills in reaching the golden generation of 2045. According to the STEM Team (2019), there are three core skills of the 21st century, which is the era of education 4.0. These are: 1) character quality consisting of religiosity, nationalism, independence, mutual cooperation and integrity; 2) basic literacy consisting of language, numeracy, scientific, digital, financial and cultural literacy and citizenship; and 3) competencies consisting of critical thinking, creativity, communication and collaboration. To achieve these skills, an appropriate evaluation tool is needed which is tailored to these characteristics. One evaluation model that can be developed is STEM-based evaluation. Rahmatina (2020) states that STEM is learning that integrates science, technology, engineering and mathematics. This study aimed to develop a STEM-based evaluation tool that fits the characteristics of the education era 4.0. Development research methods were used. Borg & Gall (1983: 775) described the stages carried out, namely research and information collecting, planning, developing preliminary forms of the product, preliminary field testing, main product revision, main field testing, operational product revision, and dissemination and implementation. Keywords: STEM, Evaluation Tools, Economic Learning

This study aims to find out how to be wise in instilling Pancasila-based economic values ​​in elementary school students and implementing their economic learning. The qualitative descriptive method is used in this research. The research participants were teachers at SD Negeri Kampungdalem I, SD Negeri Bungur I, and SD Negeri Ngentrong, who teach in grades 1-5. Data collection was carried out by observation, documentation, and in-depth interviews. Furthermore, data analysis reduces data, displays or displays data, and finally. The data triangulation method was used to test the validity of the data before dis. The results of the study as a whole show that elementary school teachers make efforts in applying the economic value of Pancasila to students. These efforts have a positive impact in shaping students' character based on the economic values ​​of Pancasila. Even so, the application of Pancasila economic values ​​for early childhood in elementary schools needs improvement. Schools also provide more support and attention to these efforts.

Higher education institutions such as universities in the era of technology and information required to improve services in the field of education by using information technology quickly and precisely, so the college can improve its performance. Especially in terms of services in the academic field and as motivate colleges to transform the structure and strategy of development of educational facilities and prerequisites in order to become a superior higher education institutions, making progress, able to compete and trusted by stackholder.The purpose of this study were (1) To analyze the influence of tangible, reliability, responsiveness, assurance and empathy variable partially on student satisfaction of library service user of Universitas Merdeka Madiun. (2) To analyze the influence of tangible, reliability, responsiveness, assurance and empathy variable simultaneously toward student satisfaction of library service user of Universitas Merdeka Madiun. The result of research show that (1) Tangible partially affect the satisfaction of students of central library user of Universitas Merdeka Madiun. (3) Partial responsiveness affects student satisfaction of library user of University of Merdeka Madiun University (4) Assurance partially has no effect on student satisfaction of library user of University of Merdeka Madiun. (5) Emphaty partially affect student satisfaction of library user of University of Merdeka Madiun and (6) Tangible, reliability, responsiveness, assurance and emphaty simultaneously influence student satisfaction of library user of University of Merdeka Madiun. Keywords: Tangible, Reliability, Responsiveness, Assurance, Emphaty, Satisfaction

At present the world is entering the era of industrial revolution 4.0 which is closely related to information technology on the basis of human life (Kemenristekdikti, 2018a). With these changes, of course the world of education must also immediately respond to these changes. The steps that can be taken is by integrating information technology with innovative learning models. As a teacher in the Indonesian era 4.0 gave birth to a term known as Teacher 4.0 Challenges & Requirements. To become a 4.0 teacher must have 3 components, namely: 1) Human - Based & Didactical Challengee; 2) Organizational Challengee and 3) Technological Challengee. (Abdelrazeq, 2016). To support these competencies, one of the learning models that can be used is the STEM-based learning model. STEM Education is a combination of areas of Science, Technology, Engineering, and Mathematics (STEM) (Duran, et al., 2016). This paper aims to: 1) explain the perception of information technology and STEM learning for prospective economic teachers. 2) describes the efforts to integrate Information Technology and STEM-based Learning Models in the face of the Age of Industrial Revolution 4.0. Keywords: Industrial Revolution Era 4.0, Information Technology, and Innovative Learning Models, STEM, Teacher Competencies 4.0.

Aim/Purpose: Two research objectives were addressed in this study. The first objective was to determine the effect of knowledge management orientation behaviour on business performance, and the second objective was to investigate the mediating effect of market orientation in the relationship between knowledge management orientation behaviour and business performance. Background: In business strategic perspective, the idea of knowledge management has been discussed widely. However, there is a lack of study exploring the notion of knowledge management orientation especially in the perspective of Indonesia’s creative economy sector. Methodology: One hundred and thirty one participants were involved in this study. They were economy creative practitioners in Indonesia. Data were analysed by using Partial Least Squares. Contribution: Upon the completion of the research objectives, this study contributes to both theoretical and practical perspectives. From a theoretical standpoint, this study proposes a conceptual model explaining the relationship among knowledge management orientation behaviour, market orientation, and business performance in Indonesia’s creative economy sector. As this study found a significant effect of knowledge sharing in market orientation and market orientation in business performance, the study showed the mediation role of market orientation in the relationship between knowledge sharing and business performance. From a practical perspective, this study implies a guideline for business practitioners in enhancing business through the application of knowledge management orientation behaviour. Findings: The results show that organizing memory, knowledge absorption, and knowledge receptivity has a direct significant effect on business performance. However, in affecting business performance, knowledge sharing must be mediated by market orientation. Recommendations for Practitioners: Based on the results of the study, practitioners should enhance their behaviour in implementing knowledge management in terms of increasing business performance. In addition, it is suggested that business practitioners must be market driven, as market orientation was found to have an important role in affecting business performance. Recommendation for Researchers: Future researchers might integrate other constructs such as innovation, marketing capabilities, or organizational learning with this current conceptual model to have more comprehensive insight about the relationship between knowledge management orientation and business performance. Impact on Society: This study suggests that business practitioners must have knowledge management driven behaviour as well as market orientation to enhance the performance of their business. Future Research: Future research might add other variables to make the conceptual model more comprehensive and also replicate this study into different industrial settings.

Objective - Insurance companies in Indonesia are considered an important part of society by the Indonesian government. Corporate governance was a major problem during the post-financial crisis period, particularly in emerging markets in Indonesia. Financial Institutions considered the possibility of increasing insurance premiums to cover their operating costs and increase their profits. The purpose of this study is to measure the effect of corporate governance and premium growth on the performance of the insurance sector, to determine the characteristics of good corporate governance. Methodology/Technique - The samples used in this study include insurance companies listed on the Indonesia Stock Exchange between 2011 and 2015. The data used in the study is derived from the Indonesian Stock Exchange Corner. The method of analysis used is descriptive statistics and linear regression. The research objectives are to analyze the influence of the independent variables on the dependent variable. A purposive sampling method is used to determine the sample size of the study. This method generated a sample of 9 commercial insurance companies. Findings - The findings show that corporate governance is significantly and positively related to ROA whereas Insurance Premiums are not significantly related to ROA. Novelty - Study suggests that the insurance companies must aim to improve corporate governance structures by finding solutions to existing problems and improving the management structures of the company, in order to attract future investment which will ultimately lead to an increase in ROA and ROE. Type of Paper: Empirical Keywords: Corporate Governance; Insurance Premium; Corporate Performance; Growth. JEL Classification: G22, L25, M41