The market share of peer-to-peer (P2P) has shifted from dominating the P2P lending for Micro, Small, and Medium Enterprises (MSME) to non-MSME. Meanwhile, non-MSME credit is an incumbent main market share banking which possibly makes it a complementary or substitution in P2P lending in non-MSME bank credit. Furthermore, optimizing and maintaining liquidity is important due to banks utilizing intermediation functions. The strictness of bank liquidity could determine the management’s response and policy in determining the best timing to utilize either the FinTech from the P2P platform or the customer’s existing funds first. This study aims to assess the empirical findings of the effect of P2P lending on banking credit that is divided between provinces with strict, normal, and lax liquidity. This study uses data from 33 provinces in Indonesia between January 2022 to December 2022. The study approach uses a regression data panel for the data analysis. The results of this study show that P2P lending positively and significantly impacts bank credits of non-MSMEs in provinces with lax bank liquidity. The stricter the banking the lower the compliments of P2P loans against the bank credits of non-MSME. To the author’s knowledge, no existing studies investigate the P2P lending of non-MSME banking credit that also consider the level of strictness of banking liquidity.

The behavior of clay minerals in expansive soils causes them to exhibit shrink-swell characteristics, making them unsuitable for engineering purposes in their natural state. To address this problem, researchers conducted direct shear experiments using fly ash as an admixture and black cotton soil as an expanding soil to explore the strength parameter. The experiments were conducted with varying amounts of fly ash ranging from 2% to 20%. Two arrangements of test series were made, and in the principal series, tests were made utilizing five unique densities and comparing dampness contents. The outcomes showed that the point of inside grating and union expanded directly up to the ideal dampness content and most significant dry thickness before diminishing. The subsequent series showed that the end of inward rubbing grew straightly with the expansion of fly debris admixture, yet attachment reduced after 10% admixture. The decrease in shear strength was because of the diminished passion, as the fly debris' cohesionless attributes took over as the admixture rate increased above 10%. Based on these findings, adding fly ash in small quantities to black cotton soil is recommended to avoid weakening it.

Despite the numerous advantages that different mobile payments can provide, their acceptance, and adoption rates are still relatively low. This study aims at investigating mobile payments and demonstrates how drivers and barriers that influence behavioral intentions to use mobile payments interact and support one another by combining the theory of planned behavior (TPB) and the innovation resistance theory (IRT). A self-administered online survey was employed to gather data from 341 users of mobile payments in the State of Kuwait. To test the proposed model and its hypotheses, responses were analyzed using a partial least square structural equation modeling approach (PLS-SEM). The results show that usage, value, risk, and tradition resistance-related factors are significant barriers towards behavioral intentions to use mobile payments, while the image barrier is insignificant. The findings also affirmed that perceived behavioral control and attitudes motivate and influence consumers’ behavioral intentions; however, the subjective norm was non-significant. The study’s findings have significant implications for scholars, mobile payments’ service providers, marketers, policymakers, and banks.

Since the late 80’s the Structural Analysis Research Group of the Instituto Superior Técnico (IST) has been involved in the development of non-conventional finite element formulations in order to overcome some of the limitations associated with the use of the CFE method and to develop high performance numerical tools for the analysis of structural engineering problems. Several alternative models for the linear and non-linear structural analysis have been developed using hybrid and mixed models techniques. These works are summarized in this paper, in which their past and future applications of this formulation in non-linear analysis of structures are fully detailed.

The objective of this study was to assess the influence of strategic entrepreneurship, innovative entrepreneurship, and social capital on the overall performance of businesses by establishing a sustainable supply chain management system in private colleges in Jordan. The primary objective of the study was to examine the impact of these elements on the development of sustainable supply chain management and the overall performance of businesses. To assess the assumptions posited in this study, a total of 329 individuals were recruited as participants, and their data were subjected to analysis and discussion. The study demonstrated that the implementation of an entrepreneurship strategy, together with the adoption of creative entrepreneurial practices inside the organization, as well as the support and enhancement of social capital management, all contributed to the development of a sustainable supply chain management system and the enhancement of overall business performance. The significance of strategic entrepreneurship emerged, highlighting its encompassment of key elements such as Market Opportunity Assessment, resource allocation, and firm design. The subsequent concept that emerged was that of creative entrepreneurship, encompassing elements such as creativity and the production of ideas, willingness to take risks and engage in experimentation, as well as the ability to sense market trends and prioritize customer-centric innovation. Social capital emerged as a prominent feature, constituting the third important element. This category encompassed other subcategories, including networking and fostering relationships, trustworthiness and reputation, as well as the exchange of knowledge and facilitation of information dissemination. The results indicated the potential for enhancing overall business performance and developing a sustainable supply chain management by implementing an entrepreneurship strategy, specifically entrepreneurship innovativeness, and fostering social capital. This approach can aid employees in understanding their job responsibilities. The achievement of this objective can be facilitated through the provision of training and development opportunities for personnel.

In recent years, nano-filler-based hybrid composites have gained significant attention from the research community; The nano-filler-based hybrid composites can have potential applications in numerous sectors. Nano-fillers are bringing a leading development in material science and natural fibers-based composites. The present study considers the impact of various weight percentages of nano-titanium oxide (NTiO2) fillers (2%, 4%, and 6%) on the elastic features of novel hybridized banana-hemp fiber-reinforced epoxy composites. The proposed composite is analyzed for its elastic properties like longitudinal and transverse elastic modulus, axial Poisson's ratio, and axial shear modulus using homogenized micromechanical models, namely, Mori-Tanaka (M-T) model, Generalized self-consistent (G-SC) model and Modified Halpin-Tsai (M-HTS) model. The composite is modeled using one layer of banana fiber, one layer of NTiO2 and epoxy, and one layer of hemp fiber. All three layers of the composite are arranged in the sequence of banana fiber at 450, a layer of NTiO2 and epoxy at 00, and hemp fiber at 450. The proposed composite's vector sum deformation and strength are examined by employing the ANSYS APDL application. The results obtained in this study are compared with the experimental work mentioned in the literature. The composite reinforced with six weight% NTiO2 has the highest mechanical strength, and the modified Halpin-Tsai (M-HTS) model is the most effective in calculating the elastic features of the proposed composite. In addition to the above, the hybridization effect for the proposed composite is also estimated to analyze the tensile failure strain of banana and hemp fiber in the proposed hybrid composite structure.

As foodborne diseases are current major health issues worldwide, food safety is a global health target. The present work has used social cognitive theory as theoretical support for examining the social and cognitive factors [outcome expectations (OE), self-regulation (SR), environmental determinants (ED), and self-efficacy (SE)] of Jordanian restaurant managers’ and supervisors’ food safety behavior (FSB). The moderator was willingness to comply (WC). Data were collected from the participants via Google Forms using purposive sampling methods. A total of 500 questionnaires were distributed, where 250 questionnaires were sent each to the Jordanian Restaurant Association (JRA, representing international and chain food restaurants in Jordan) as well as the Jordanian Union of Restaurants and Confectionary Proprietors (URCP, representing the local Jordanian restaurants). Two hundred and ninety-six completed questionnaires were returned. The hypotheses were analysed with smart partial least squares by structural equation modelling. The analysis determined that OE, SR, ED, and SE had positive impacts on FSB, while WC played a role in moderating the interlinkage among SE, OE, and FSB. To sum up, the current study as a whole also has significant theoretical and practical contributions for the practitioners in the given context.

The development of land use in Badung Regency in the period 2013-2021 has an impact on changes in the ecological structure of the landscape. Changes in the ecological structure of the landscape occur in the three parameters, namely patch, matrix and corridor, which are indicated by changes in the area and function of the three parameters. The addition of matrix area in the settlement land use class and golf course patches causes changes in the area of the matrix of mixed gardens, rice fields and mangroves as well as corridors of non-volcanic coastal sand that dominantly have ecological functions. The objectives to be achieved in this study are to analyze the dynamics of changes in the ecological structure of the landscape caused by land use development in Badung Regency. The dynamics of changes in the ecological structure of the landscape due to large-scale changes is a driving factor in the deviation of spatial utilization and a decrease in the quality of the environment in Badung Regency. The research concluded that landscape ecology analysis is an important aspect in the development of regional zones in Badung Regency that takes into account the principles of sustainable development. This research found a new formulation in the analysis of ecological zone development that integrates the landscape ecology approach with the spatial approach and regional approach. The ecological zones of Badung Regency are grouped into 4 (four), namely: very high ecological zone, high ecological zone, medium ecological zone and low ecological zone.

Lion Air is an airline that has a low-cost carrier concept, which makes Lion Air an airline that has low prices. With these low prices, does it improve customer fulfillment? This study aims to determine the effects of service quality, amenities, and pricing on purchase choices. Associative quantitative research methodologies are used in this kind of study. The sample comprised 210 individuals who had taken a flight on Lion Air during COVID-19 and were at least 17 years old. The analysis technique uses Amos 24 software and SEM (Structural Equation Modelling) analysis. The results showed that service quality has a favorable and considerable impact on customer satisfaction. Facilities have a significant and positive effect on customer satisfaction. Price has a positive and substantial influence on customer satisfaction.

This study examined the nexus between electronic human resource management (e-HRM), employee engagement and organizational performance in small- and medium-sized Saudi firms. In total, 180 participants were randomly selected using convenience sampling. Structural equation model-partial least squares SEM-PLS, was applied for analysis purposes. The outcomes of this study show that there is no statistically significant relationship between organizational performance and e-HRM. E-HRM and employee engagement, as well as employee engagement and organizational performance, have a strong beneficial association. The results highlight the necessity of establishing efficient E-HRM procedures as a strategy to raise employee engagement and promote organizational performance.