ABSTRACT
This study appraises the effect of financial inclusion on development of small and medium enterprises in Ogba/Egbema/Ndoni Local Government Area of Rivers State. The research employed a survey design. The sample size of this study was 128 small scale businesses in Ogba-Egbema-Ndoni L.G.A in Rivers State, while the population consisted of 188 small scale businesses in the same area. Taro Yamane's formula was employed to determine the sample size for this investigation at a 5% level of significance. Respondents were randomly selected utilising simple random sampling. The data analysis techniques employed in the study included Pearson Product Moment Correlation (PPMC), mean scores, straightforward percentages, frequencies, and tables. The study's upshots indicated that the development of SMEs in Ogba-Egbema-Ndoni L.G.A in Rivers State is significantly and favourably influenced by access to fiscal services, usage of fiscal services, and access to loans from rural branches of banks, as well as electronic banking. In Ogba-Egbema-Ndoni L.G.A in Rivers State, the study determined that financial inclusion significantly contributes to the growth and development of small and medium-sized enterprises (SMEs). The research suggested that the Nigerian government and financial institutions should prioritise the expansion of fiscal services, particularly in underserved rural areas. To accomplish this, it is possible to establish additional rural bank branches, implement mobile banking units, and provide microfinance services.

ABSTRACT
This study investigates the effect of the Center of Excellence (PK) school assistance program on graduate employability, mediated through teacher work motivation and the availability of educational facilities at State Vocational High School 1 (SMK N 1) Kepanjen, Malang Regency. Using a quantitative approach and Structural Equation Modeling (SEM) for data analysis, data was collected from 295 alumni and teaching staff. The results highlight that the PK program significantly enhances the quality of the curriculum, provides targeted teacher training, and improves school infrastructure to better align with industrial demands. Moreover, the study demonstrates that teacher motivation, driven by recognition and institutional support, plays a crucial role in enhancing students' employability. Additionally, the availability of modern educational facilities, such as updated laboratories and workshops, further strengthens graduates' readiness for the workforce. Mediation analysis confirms that both teacher motivation and infrastructure development significantly contribute to graduates' employability. These findings suggest that strengthening vocational education through well-targeted assistance programs and continued industry collaboration can bridge the gap between vocational training and the job market, offering valuable policy recommendations to enhance vocational education outcomes.

ABSTRACT
This study aims to analyze the influence of work motivation and work environment on employee performance through job satisfaction as a mediating variable at the Office of Manpower, Investment, and Integrated One-Stop Services (Disnaker PMPTSP) in Malang City. Using a survey method, questionnaires were distributed to all civil servant employees (ASN) in the institution, involving a total of 58 respondents. The variables studied include work motivation, work environment, job satisfaction, and employee performance. Data analysis was conducted using multiple linear regression models and path analysis to examine both direct and indirect effects among variables. The results indicate that work motivation and work environment positively and significantly affect job satisfaction. Furthermore, job satisfaction acts as a significant mediator in the relationship between work motivation, work environment, and employee performance. These findings highlight the importance of creating a conducive work environment and enhancing work motivation through effective managerial policies to optimize employee performance. The practical implications of this research suggest that Disnaker PMPTSP Malang City should continuously improve human resource management by providing recognition, enhancing workplace facilities, and fostering interpersonal relationships to boost employee satisfaction and performance. This study contributes to the academic discourse on the relationship between work motivation, work environment, and performance, particularly in the public sector. It also serves as a reference for future research to explore additional relevant variables, such as organizational culture and employee engagement, in improving public sector service quality.

ABSTRACT
This study investigates the interplay between Human Resource (HR) Development, HR Competencies, ASN Core Values, and Employee Performance in the Library Unit of State University of Malang. Adopting a quantitative approach with Partial Least Squares - Structural Equation Modeling (PLS-SEM), the research examines the mediating role of HR Competencies and the moderating influence of ASN Core Values (Service Orientation, Accountability, Competence, Adaptability, and Collaboration). Findings reveal that HR Development significantly enhances HR Competencies but lacks direct influence on employee performance. Similarly, HR Competencies fail to mediate the relationship between HR Development and performance. Additionally, ASN Core Values do not significantly moderate the relationship between competencies and performance, suggesting insufficient internalization of these values within organizational practices. These results underscore the need for integrated HR strategies that align competencies with organizational culture and values to optimize employee performance. This study contributes to the theoretical and practical understanding of HR practices in public sector organizations, particularly within academic library settings.

ABSTRACT
This research aims to analyze the influence of information system effectiveness, employee training, and managerial support on employee performance, both directly and through the mediation of employee capability, at the Consumer Cooperative of Employees of the Republic of Indonesia at RSUD Dr. Saiful Anwar (KKPRI RSSA Syaiful Anwar). Using a quantitative approach and path analysis, data were collected from 50 employees who directly interacted with the information system through questionnaires. The results revealed that information system effectiveness, employee training, and managerial support significantly influence employee capability and performance. Employee capability was proven to mediate the relationship between these variables and employee performance. Information system effectiveness showed a stronger direct impact on performance than its indirect effect through employee capability. Conversely, employee training had a negative direct impact on performance but became positive when mediated by employee capability. This study highlights the importance of enhancing employee capability to support optimal performance through effective information systems, managerial support, and relevant training.

ABSTRACT
This study explores the effects of digital competence, work-life balance, and transformational leadership on teacher productivity, with job satisfaction as a mediating variable, focusing on high school and vocational school teachers in Balige District, Toba Regency. Employing a quantitative explanatory approach, data were collected through a structured questionnaire using a Likert scale from 186 teachers and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that digital competence significantly enhances both job satisfaction and teacher productivity, with job satisfaction mediating this relationship. Similarly, work-life balance positively influences job satisfaction, which subsequently boosts productivity, though its direct effect on productivity was found insignificant. Conversely, transformational leadership does not have a direct or mediated influence on teacher productivity, suggesting potential contextual or cultural limitations in its application in rural settings. This research highlights the critical importance of fostering digital competence through targeted training and infrastructure development, as well as implementing policies that promote work-life balance to enhance teacher satisfaction and performance. The mediating role of job satisfaction underscores its centrality in translating individual and institutional factors into tangible productivity gains. While transformational leadership showed limited impact, it calls for further investigation into alternative leadership styles or enhanced alignment with rural educational contexts. This study offers valuable insights for policymakers and educational administrators seeking to improve teacher productivity and education quality in resource-constrained environments. Future research should address additional factors such as administrative support and community involvement to provide a more holistic understanding of productivity drivers in rural schools.

ABSTRACT
The digital era has significantly transformed consumer behavior, particularly in the beauty industry. This study aims to analyze the mediating effect of Fear of Missing out (FOMO) between beauty influencers and brand image on purchase intention for Wardah skincare products in Malang. Using a quantitative approach and survey method, data were collected through structured questionnaires from 160 respondents selected using simple random sampling. The variables examined include beauty influencer attributes (trustworthiness, expertise, attractiveness), brand image dimensions (brand function, attitude, impression, trust), FOMO aspects (fear, anxiety, worry), and purchase intention (exploratory, transactional, preferential). The results indicate that beauty influencers significantly influence FOMO and brand image. FOMO serves as a mediator, strengthening the relationship between beauty influencers and brand image on purchase intention. FOMO as a mediating variable is the most influential finding because it strengthens the relationship between other variables (beauty influencer and brand image) to purchase intention. FOMO acts as a bridge that connects psychology-based marketing strategies with real results in the form of increased purchase intention. Positive brand image and emotional appeal created through influencers effectively enhance consumer willingness to purchase products. This study concludes that integrating consumer psychology-based strategies, such as leveraging FOMO and collaborating with influencers, can enhance the effectiveness of marketing campaigns. The practical implications of this study highlight the importance of optimizing influencer roles to foster consumer engagement and strengthen the brand image of local products like Wardah. These findings provide strategic insights for the beauty industry to develop more relevant marketing approaches that align with consumer needs in the digital age.