Consumer satisfaction can be defined as the user’s response to a service or experience compared to the user’s expectations and perceived practical benefits. After reviewing consumer satisfaction models, it can be argued that there is no single model of consumer satisfaction assessment that is suitable for every service and every region of the world, as the causes and outcomes of satisfaction often vary. The research is original in its methodology: at the beginning, a theoretical research model is presented, then hypotheses are formulated, and correlation, factorial, regression analyses were made, which results confirmed hypotheses. The crop insurance system consists of relations between the state institution regulates insurance activities, farmers, insurers and insurance intermediaries. The aim of this article is to identify the factors that determine consumer satisfaction with crop insurance and to assess their impact. The empirical study found that consumer satisfaction is determined by the factors of recognizable value, functional (process) and technical (result) quality, consumer expectations, and image. The most important factors that determine consumer satisfaction of crop insurance are recognizable value, functional quality, and consumer expectations. Consumer satisfaction can be assessed by the cost paid and the quality received, the quality expected, and the consumers’ evaluation of the services. It was found that the socio-demographic elements of consumers do not have a decisive influence on the factors that determine service satisfaction and consumer satisfaction. It is also established that socio-demographic elements of consumers (farmer experience and insurance experience) have direct statistically significant but weak links with consumer satisfaction.

This study examines the influence of organizational learning and boundary spanner agility in the bank agent business of Indonesia’s financial inclusion. This study is based on quantitative studies of 325 bank agents in Indonesia. The results of this research strongly show that organizational learning has a significant impact on boundary spanners’ agility to achieve both financial and non-financial performance. This study presents a novel finding that organization learning with a commitment to apply and encourage learning activities and agility with improved responsiveness and resilience boundary spanners can achieve bank agent performance. Organizational learning of bank agents needs to improve commitment to apply and encourage learning activities, always be open to new ideas, and create shared vision and knowledge transfer mechanisms. Organizational agility in bank agents need also to improve the capability to be more responsive and adaptable to culture changes in a volatile environment. This research provides valuable insights to policymakers, banking supervisors, bank top management teams, and researchers on the factors that may improve the effectiveness of the agency banking business to promote financial inclusion. Participating banks in the agent banking business need to set a clear vision, scope, and priority of strategy to encourage organizational learning and agility.

This longitudinal study is dedicated to the evaluation of the comprehensive impact of educational reforms through a mixed research methodology which is a combination of the quantitative- and qualitative-oriented research methods to check the students' outcomes. Data was collected in the span of [mention the time frame] from various data sources for instance standardized test scores, school performance statistics, and through open-ended qualitative evaluation from both students and teachers. Data analysis carried on after the reforms had been put in place revealed that there was a considerable rise in mean test scores and success graduation rates. Therefore, formative evaluation demonstrates the need for implementing reforms that will eventually help the students in boosting academic performance. Besides, there is no difference among investor opinions on teachers, administrators, and students who are involved with the implementation of the reforms. Stakeholders manifest this new assistance as an outcome of lasting improvements in curriculum quality, methods of teaching, and student participation. The study approaches two main challenges that are confronted with education reform that is resourcelessness and to society the change of the educational system can be more suitable for the students to excel academically and it can have an impact on the whole community. Even though this study makes important advancements toward the realization of the complex education implementation process and its effect on student academics, there are elements in which it can be criticized. Both quantitative and qualitative performance improvement is important as well as all the important stakeholder participation. This way the transformation process becomes layered. In other words, these results point to the necessity of planning interventions for longer periods that target the challenges and the forces that maintain the low levels of education performance by the counties.

The relationship between aid and corruption remains ambiguous. On the one hand, aid may benefit a country if the aid management system runs efficiently and transparently. On the other hand, aid tends to create new problems, namely corruption, especially in developing countries. This research examines the aid-corruption paradox in Indonesian provinces from a spatial perspective. The data was obtained from the Indonesian Ministry of Finance, the National Development Planning Agency of Indonesia, the Corruption Eradication Commission of Indonesia, and the Electronic Procurement Service, referring to 34 Indonesian provinces between 2011 and 2019. The research applies the spatial panel method and uses Haversine distance to construct the weighted matrix. The spatial error model (SEM) is the best for Model 1 (Grants) and Model 2 (Loans) and the best corruption model in Model 3 (Gratification). The spatial autoregressive model (SAR) is the best approach for Model 4 (Public Complaints) and Model 5 (Corruption). The findings show that there is no spatial dependence between provinces in Indonesia in terms of grants or loans. However, corruption in Indonesia is widespread.

This study seeks to examine the factors affecting the intention of Indonesian MSMEs to adopt QRIS. It leverages variables from the Technology Acceptance Model (TAM), customizing the TAM framework to address the unique perceptions of risk and cost among MSMEs in Indonesia. Data were gathered from 212 MSME participants in Brebes Regency through convenience sampling, a non-probability sampling technique, using Google Forms for survey distribution. The findings indicate that perceived ease of use positively and significantly influences attitudes, which, in turn, positively and significantly impact the intention to continue using QRIS. However, perceived benefits, perceived risks, and perceived costs did not significantly affect the intention to continue use.