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The purpose of this study is to investigate if and how government intervention can nudge students to become ebook readers.

A cross-sectional survey research design was adopted for this study. A total of 1,144 students from four middle and high schools in urban and rural areas of Indonesia participated in this study. The results from statistical analyses were further discussed through the lens of the nudge theory.

This paper founds evidence that government intervention in the form of the Buku Sekolah Elektronik (BSE) policy that has been providing free electronic textbooks for more than a decade can help nudge students to become ebook readers. After controlling for student’s demographic information, this paper founds that their awareness of such a policy is significantly associated with a stronger preference toward ebooks while having no significant effect on their preferences toward printed book format. This paper also founds that mobile device adoption plays an important role where early adopters tend to prefer ebook format, whereas laggards are more associated with printed book format.

Many have studied the benefits of using ebooks in learning, but the literature also shows that most students still prefer reading printed books over ebooks. This is true not only in developing countries where problems with infrastructures can hamper the adoption of ebooks in general but also in developed countries where ebooks are much more prevalent, even among the general population. This paper showed how government interventions have the potency to help tip the scales and nudge students to become ebook readers.

In this study, the authors seek to understand factors that naturally influence users to adopt two-factor authentication (2FA) without even trying to intervene by investigating factors within individuals that may influence their decision to adopt 2FA by themselves.

A total of 1,852 individuals from all 34 provinces in Indonesia participated in this study by filling out online questionnaires. The authors discussed the results from statistical analysis further through the lens of the loss aversion theory.

The authors found that loss aversion, represented by higher income that translates to greater potential pain caused by losing things to be the most significant demographic factor behind 2FA adoption. On the contrary, those with a low-income background, even if they have some college degree, are more likely to skip 2FA despite their awareness of this technology. The authors also found that the older generation, particularly females, to be among the most vulnerable groups when it comes to authentication-based cyber threats as they are much less likely to adopt 2FA, or even to be aware of its existence in the first place.

Authentication is one of the most important topics in cybersecurity that is related to human-computer interaction. While 2FA increases the security level of authentication methods, it also requires extra efforts that can translate to some level of inconvenience on the user's end. By identifying the associated factors from the user's ends, a necessary intervention can be made so that more users are willing to jump on the 2FA adopters' train.

The purpose of this paper is to know the relevance between the changes in non-taxable income with the receipt of Income Tax Article 21, Income Tax Article 25/29, the receipt of value added tax and the receipt of luxury sales tax r (PPnBM).

Changes in non-taxable income have potentially reduced the receipt of Income Tax Article 21, Income Tax Article 25/29 of individual taxpayers, otherwise it increased value added tax and luxury sales tax receipts. This study used the descriptive qualitative approach, by conducting a simple case study based on actual data. Data analysis technique used is descriptive statistics and comparison analysis. Research conducted at the Kantor Wilayah Direktorat Jenderal Pajak Jawa Timur II.

The results show that the changes of non-taxable income in 2013 and 2015 did not affect the receipt of Income Tax Article 21 but the growth is slowed, while the receipt of Income Tax Article 25/29 increased.

Value added tax and luxury sales tax receipts, increasing every year, slowed down in 2013, but increased higher in 2015.

Supply chain risks (SCRs) have uncertainty and interdependency characteristics that must be incorporated into the risk assessment stage of the SCR management framework. This study aims to develop SCR networks and determine the major risk drivers that impact the performance of the sago starch agro-industry (SSA).

The risk and performance variables were collected from the relevant literature and expert consultations. The Bayesian network (BN) approach was used to model the uncertain and interdependent SCRs. A hybrid method was used to develop the BN structure through the expert’s knowledge acquisitions and the learning algorithm application. Sensitivity analyses were performed to examine the significant risk driver and their related paths.

The analyses of model indicated several significant risk drivers that could affect the performance of the SSA. These SCR including both operational and disruption risks across sourcing, processing and delivery stage.

The implementation of the methodology was only applied to the Indonesian small-medium size sago starch agro-industry. The generalization of findings is limited to industry characteristics. The modelled system is restricted to inbound, processing and outbound logistics with the risk perspective from the industry point of view.

The results of this study assist the related actors of the sago starch agro-industry in recognizing the major risk drivers and their related paths in impacting the performance measures.

This study proposes the use of a hybrid method in developing SCR networks. This study found the significant risk drivers that impact the performance of the sago starch agro-industry.

Governance can often be assessed as one part of directing companies’ action toward something better. This study examines how governance quality at the country level and firm level can affect sustainability performance that aligns with sustainable development goals (SDG). Prior academic literature explains that if a country has a low institutional condition, it is a great challenge to implement sustainability. However, the internal awareness of the company to implement sustainability plays an important role as well. To examine the research question, this study uses the banking sector as a research sample with an observation period from 2017 to 2019. Prior literature overlooks research in the banking sector and does not feature country-level governance with firm-level governance. The data were collected either from the annual report or sustainability report, which comprises 141 companies, with the total observation of 423 firm-year. This study used panel data regression analysis and was based on the Hausman Test; it shows that random effect is used to test the hypothesis. This research finds that good quality governance at the country level, results in good sustainability performance. However, contrary to expectations regarding the quality of firm-level governance, which is thought to be positively related to sustainability performance, this study found a negative relationship. The argument that might answer the finding is the existence of governance conditions at the state level and at the firm level that mutually subsidize each other. This research contributes to policymakers continuing to provide counseling and improve institutional conditions to motivate companies to support the achievement of the SDGs. Companies should also pay attention to the effectiveness of their internal governance and strive to use stakeholder opinions as a guide in the realization of SDGs.

This paper aims to examine the friction coefficient and wear rate characteristics of SCM 440 bearing steel used in the cylinder block of a tractor engine with gas lubrication and oil lubrication.

Friction tests were performed using a pin-on-disc tester with loads of 2 to 10 N and sliding velocities of 0.06 to 0.34 m/s. The experiment was done with and without nitrogen, and paraffin oil lubricant was used to prevent wear during process.

The nondimensional characteristic number from the Stribeck curves indicated that the lubrication regime is hydrodynamic. As the velocity and load increased, the friction coefficient of the SCM 440 increased and greater applied load resulted in a smaller friction coefficient. The range of the friction coefficient was 0.017001 to 0.092904 with paraffin oil lubrication and 0.01614 to 0.4555 with nitrogen lubrication. Nitrogen is effective in reducing the friction coefficient of materials that are in contact and subjected to a load and velocity.

The experiments confirm that nitrogen is effective for reducing the friction coefficient of SCM 440 materials that are in contact with each other and subjected to a load and velocity.

Financial inclusion is more than just granting access to financial services; it involves fostering individuals’ overall financial health and prosperity. Financial inclusion has gained significant importance for policymakers and academia in the preceding two decades. It encourages individuals by extending ownership of their financial situation and empowering them to make well-informed decisions regarding their future. The literary work highlights the importance of financial inclusion in promoting prosperity and progress in society. Furthermore, the psychological effects of financial inclusion are addressed with an emphasis on reducing anxiety and stress associated with accessing necessary financial resources and increasing experiences of financial assurance and trust. Finally, the current condition of financial inclusion and ongoing initiatives to improve it is discussed with a regional focus on Asia. The idea of the empowered consumer is introduced, along with a discussion of how financial inclusion may enlighten customers, making them more knowledgeable and engaged members of the financial market. Finally, the conclusion presents a global perspective of underdeveloped nations, emphasizing the imperative requirement for financial integration in these places and the potential benefits it can provide. The chapter provides a comprehensive understanding of financial inclusion, its significance, and its psychological effects on people and their communities, particularly in Asia and developing nations.

Purpose – The study is aimed to identify the openness, empathy, supportiveness, positiveness, and equality between mother and child as the key factors for successful children. If the parents are not able to give attention and love to their children, it will form feelings of insecurity and hatred towards themselves and to their surroundings. Similarly, if the parents are not able to create discipline in education, the probability of unclear future for their child will increase. A single mother has to endure a lot of problems and face the biggest challenge in their life; to be a single parent who must be able to hold multiple roles, that is as a father who works for a family living and as a mother who nurtures and educate her children. As a mother, she is required to be able to manage everything by herself; some of them include financial management, jobs, and nurture time for her children.

Methodology – employed in this study was in-depth interview to observe inhibiting factors that experienced by single parents in parenting pattern that they apply in nurturing their children.

Finding – Result showed that frequency and intensity play important role in creating openness, empathy, supportive attitude, positive attitude, and equality as well as automatically able to form inclusion, control, and affection between mother and children. The expected final result is the discovery of an ideal way of single parent role for their children.

Implications – the research results showed that frequent communication behavior and sufficient intensity are used to give children more confident in their activities at home or school environment and by which, the children will be able to reach success in their life.

Value originality – the research is the existence of communication pattern formed by single mother family and her children.

This paper aims to investigate the effect of Islamic microfinance on poor households through the case of the IKSAR Qard al-Hasan Program in Turkey. To achieve this aim, it examined the changes in the socio-economic status of beneficiaries before and after the program.

This paper adopts the convergent parallel mixed method design. It conducted two surveys to micro-entrepreneurs: the first is when they received the loan and the second is when they finished their installments. In addition to the longitudinal data obtained from these two surveys, qualitative data were collected by participant observation and interview technique with visiting these people periodically throughout the interest-free loan (qard al-hasan).

According to the results obtained from the analysis of the pre- and post-surveys, a statistically significant increase of 35% was experienced in the monthly household income after receiving the qard al-hasan loan compared to before. Similarly, a statistically significant increase was found in the monthly expenditures of 23 out of 30 households after receiving the qard al-hasan.

There are two originalities of this study. To the best of the authors’ knowledge, it is the first research that examines the only Islamic microfinance program in Turkey. Second, it uses longitudinal data while examining the impact of Islamic microfinance on the welfare of the poor. In the relevant literature, no study has been identified that uses longitudinal data in Islamic microfinance. Similarly, a limited number of longitudinal studies examine the impact of conventional microfinance institutions on the poor.