This research explores the impact of social capital on the adoption of digital applications within Micro, Small, and Medium Enterprises (MSMEs). In the current competitive environment, embracing digitalization is essential for improving the competitiveness of MSMEs; however, challenges such as weak social networks can impede technology uptake. Utilizing a quantitative approach, the study distributed questionnaires to 160 MSME participants, with data analysed through path analysis using SmartPLS. The findings indicate that social capital—which includes relationships, networks, and trust among business stakeholders—plays a critical role in facilitating access to and adoption of digital applications. Results suggest that MSMEs with strong social networks are more adept at integrating digital technologies, fostering innovation, and improving overall business performance. The study recommends initiatives to enhance collaboration and strengthen social networks among MSMEs to support their digitalization efforts. Ultimately, this research deepens the understanding of social capital's influence on MSME digitalization and offers practical strategies for stakeholders to increase the utilization of digital applications in this sector.

Social restrictions during the pandemic Covid-19 have direct impacts on the survival of Small and Medium Enterperises (SMEs), since every citizen limits his/her activities, schools, campuses are closed and residents are advised to remain silent and do work from home. The purpose of this study is to examine and analyze the effect of social capital, business strategies, and innovation capabilities on business success. The study was conducted in Bali, Indonesia City with 145 samples taken based on a purposive sampling method and data analysis was accomplished using SEM-PLS. The results show that social capital was able to create and expand knowledge about customers, raw materials and competitors and is the key to obtain cheap and fast information that is useful for creating innovation. The support of parents, family members and business partners raise the confidence of entrepreneurs to achieve business success. Business strategy has a positive and significant effect on innovation capability and has no direct effect on success. The findings show that business strategy influences business success through innovation capabilities. At the time of the Covid-19 pandemic the business strategies developed and implemented by SMEs entrepreneurs in the city of Bali, Indonesia was not able to directly increase business success, but when they developed innovative business strategies, they were able to create something or a new system, unique and accepted by consumers, SMEs entrepreneurs success increases business.

The technological era is a dilemma in the economic growth of a region. The policy of economic development, at least, contains two main objectives to be achieved, namely growth and equity. These two goals are usually in conflict with each other. That is, if growth reaches a high level, then equity reaches a decline so that the conscious effort to create a balance is one of the goals of development. Growth to increase income per capita is an effort in progress to increase output (through the use of factors of production with or without technological change) continuously in the long run, which is always associated with population growth. Because with high output growth coupled with high population growth, the growth of output will become a new problem, so efforts to overcome unemployment are also a crucial part of development. Equitable distribution of fixed income is one of the critical issues faced by an economy. Doing a real business venture so that the rent is more evenly distributed is an essential responsibility of an economic system. The development of an economy will cause changes that are not always good due to the use of labor. This sometimes causes the number and level of unemployment to increase, along with population growth. Finally the paper considers whether there is any evidence of government expenditure, Private investment and poverty rates on Income distribution in East Kalimantan Province is Significantly influenced but Economic is not Growth.

Analyzing the effects of Internal Factors, Local Government Interventions, External Factors and Policies of Bank Indonesia and the Financial Services Authority on Profitability with External Factors as Moderating Variables at Regional Development Banks in Indonesia. Sample this research is a Regional Development Bank of 24 Banks with research data from 2010 to 2018. A total of 24 Regional Development Banks throughout Indonesia were sampled from 2010 to 2018, so the observation data in this study includes 216 research data and there are 80 outlier data so that the data processed in this study with 136 data processed in the study. Analysis of the data in this study used Structural Equation Modeling with Warp PLS Program and internal actors gave a significant influence on profitability, Intervenes local government gave insignificant influence on profitability, External actors gave a significant influence on profitability, policy Bank Indonesia and financial services authority gave insignificant influence on profitability, Policy Bank Indonesia and financial services authority gave a positive and insignificant influence on profitability with external factors as moderation at the Regional Development Bank in Indonesia.

The purpose of this study was to determine the effect of ease of use, transaction success rate, and technological system capability on trust and to determine the effect of ease of use, transaction success rate, technology system capability and interest in transaction using mobile banking. This research was conducted at PT Bank NIAGA which is located in Denpasar. The data collection technique used a questionnaire to 160 PT Bank NIAGA customers who were selected as samples. Data were analyzed by Structural Equation Modeling (SEM) with AMOS program. Ease of use, transaction success rate, and technology system capability have a positive and significant influence on trust and interest in transacting using mobile banking. This means that the better the ease of use, the success rate of transactions, and the capability of the technology system, the higher the customer trust and interest in transactions using mobile banking.

The increasingly tight competition has caused problems for small and medium enterprises (SMEs) in increasing their marketing performance. During the last few years, the marketing performance of SMEs operating in the Project woodcraft industry sector in the Badung Bali has moved downwards. The goal of this research is to develop knowledge in the fields of Strategic Management, specifically regarding product innovation to achieve a competitive advantage in an attempt to improve internationalization and marketing performance. The population in this research is all of the SMEs operating in the woodcraft industry sector and is based in Badung Bali. The sample size in this research is determined based on Slovin's formula and the total includes 100 units of SME operating in the woodcraft industry. The method used is the quantitative approach, which examines the role of competitive advantage in mediating the influence of product innovation on internationalization and marketing performance. Based on the research results, product innovation has a positive and significant influence on both, competitive advantage and internationalization. Product innovation and competitive advantage have positive and significant influences on marketing performance. Competitive advantage has a positive and significant influence on internationalization. Meanwhile, it has been revealed that competitive advantage can mediate the influence of product innovation on marketing performance and competitive advantage can mediate the influence of product innovation on the internationalization of SME operating in the Project woodcraft industry sector in Badung Bali. Based on these findings, the project woodcraft industry SME in Badung Bali is advised to be more innovative in producing their products, so that there would be an increase in marketing performance in the international market. It is also recommended for subsequent researchers to add in other variables, such as product quality and market orientation, to enrich the information attained.

Purchasing decisions on the Traveloka application has experienced a significant decline since the Covid-19 pandemic outbreak. Ticket returns and refunds that occur due to travel restrictions have resulted in a decline in Traveloka's brand image. This study aims to analyze how brand image mediates the effect of perceived ease of use, electronic word of mouth and content marketing towards ticket purchasing decisions on the Traveloka application which was conducted on 130 respondents using the Traveloka application. The research was conducted in June 2021 with data analysis using SmartPLS 3.2.0 software. The results show that perceived ease of use had a negative impact on purchasing decisions, either directly or indirectly through brand image. Electronic word of mouth had a positive impact on purchasing decisions either directly or indirectly through brand image. Content marketing had a negative and significant impact on purchasing decisions, while indirectly through brand image had a positive and significant impact. The role of brand image was very important in increasing the effect of perceived ease of use, electronic word of mouth and content marketing towards purchasing decisions.

Women entrepreneurs and the informal sector are looking for footholds in the COVID-19 pandemic, which will lead women to develop creative businesses. This study examines the role of sharing knowledge and innovation in addressing gaps in social capital and marketing performance. Purposive sampling is used in the technique sample with 229 samples and Structural Equation Modeling (SEM-PLS) analysis techniques with SmartPLS is used for processing applications. The results show that social capital has a positive effect on the business performance of women entrepreneurs in Bali, Indonesia. The knowledge-sharing variable can be a mediator in the relationship between social capital and performance, and social capital has a significant positive effect on innovation, but innovation does not have a positive effect on marketing performance and knowledge sharing. In the end, women entrepreneurs will use knowledge sharing to create various innovations to meet market demand. However, opportunities for women entrepreneurs are very limited on capital due to the lack of guaranteed capital, and a lack of entrepreneurial skills in the era of technology, market access, bureaucracy, and legal matters. In addition, managerial skills, access to information technology, and the perspective that men should excel in Balinese culture and customs, limit business for women entrepreneurs.

To conduct business in the global market in the era of digitalization, hotels need to pay more attention to the complaint behavior of guests with different cultures to adjust their methods of handling these complaints. The purpose of this study is to analyze the influence of Hofstede's five cultural dimensions on the complaint behavior of guests. This study also offers strategic solutions for hoteliers in facing various kinds of complaint behavior from guests with different cultures. This research was conducted on tourists who have stayed in five-star hotels in Badung Regency – Bali, with a total sample of 110 respondents. The data were col-lected through questionnaires. The data analysis was performed using the structural equation model (SEM) with the partial least square (PLS) approach. The results of this study indicate that the power distance cultural dimension has a significant influence on public action and private action. Uncertainty avoidance, individualism versus collectivism, and long term versus short term orientation dimension have a significant influence on public action and private action. The culture of masculinity versus femininity has a significant influence on private action and no action.