The objectives of this study are two folds. The first is to measure and analyze the influences of Islamic financial literacy on digital finance, financial technology and financial exclusion. The second is to measure and analyze the effects of digital finance and financial technology on financial exclusion. This study focuses on the case of Islamic financial institutions in Aceh province Indonesia. A number of 208 questionnaires were distributed to the selected population using the multistage random sampling technique. Using the Structural Equation Modeling (SEM), the study found that the use of digital finance was positively influenced by Islamic financial literacy, while fintech and financial exclusion were negatively affected by Islamic financial literacy. In addition, the study documented that digital finance was positively affected by financial exclusion, while financial fintech is found to have an insignificant effect on financial exclusion from Islamic financial institutions. These findings showed that to reduce the financial exclusion and enhance the use of digital finance of the Islamic financial institutions, Islamic financial literacy needs to be further improved. Islamic financial institutions are suggested to improve public understanding of Islamic finance and their services quality and shariah compliance. Government support is needed in socializing the understanding of Islamic finance to the public and issuing effective Islamic financial policies for the convenience and security of transacting monies with Islamic financial institutions.

This study aims to analyze the effectiveness of village fund distribution and management on the welfare of the village community by increasing empowerment as a mediation. The population in this study were all villages in Pidie Regency, accumulation of 730 villages. The sampling method used was Cluster/Area random sampling, with the sampling technique carried out using the Stratified proportional random sampling technique based on the village category. The sample taken is 258 respondents. The Structural Equation Model (SEM) model is used to analyze the effectiveness of village fund distribution and management through mediating role of community empowerment. The results showed that village fund distribution and management effectively affect the community's welfare, and community empowerment acts as a mediating variable and effectively improves the village community's wellbeing.

This study aims to examine the effect of the effectiveness of the leadership style and the ability of the apparatus in improving service performance and its impact on the performance of the members of the South Aceh District People's Representative Council. Primary data was collected by distributing questionnaires to all members of the South Aceh Regency House of Representatives and the apparatus at the DPRK South Aceh Secretariat, totaling 109, and analyzed using the Amos SEM application. This study found that the effectiveness of the leadership style and the ability of the apparatus had a significant positive effect on service performance. The effectiveness of leadership style, apparatus capability, and service performance had a significant positive effect on the performance of District People's Representative Council members in South Aceh. The results of the study also prove that service performance partially mediates the effect of the effectiveness of leadership style and the ability of the apparatus on the performance of members of the District People's Representative Council members. The results of this study imply that to improve the performance of members of the South Aceh District People's Representative Council members, the focus should be given to improving services based on strengthening the effectiveness of leadership styles and apparatus capabilities.