The Indonesia Capital Market has experienced a significant increase in investors from 2019 until now. the number of new Indonesian capital market is dominated by people under 30 years who prefer to invest stocks and mutual funds. This does not follow high financial literacy. Research regarding literacy investment return showed that affects return. Therefore, Indonesia’s will most likely experie...

since the 1970s, services marketing has grown into a major sub discipline of marketing. it is constantly claimed – but is refuted in the article – that services are now the dominant economic activity in developed countries and keeps growing while the two traditional goods sectors, manufacturing and agriculture, are declining. in today's competitive world, having expertise, knowledge and ma...