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This study aims to examine whether leverage, profitability and operating capacity affect financial distress in food and beverage sub-sector manufacturing companies listed on the Indonesia Stock Exchange for the period 2019-2023. The data used is secondary data obtained from www.idx.co.id website. Determination of samples in research using porpusive sampling methods with special criteria. The results of the analysis are known to be a significant value of  leverage of 0.000 < 0.05 with a calculation of -4.862 < table 1.992, so the variable leverage has a significant negative effect on financial distress conditions. The significant value on profitability is 0.000 < 0.05 with a count of 9,196 > table 1,992. So the probability variable has a significant positive effect on financial distress conditions. Significant value in Operating Capacity of 0.000 < 0.05 with a calculation of 8.422 > table 1.992, So operating capacity has a significant positive effect on financial distress.

This research focuses on banking strategies in facing the new era in Indonesia, taking into account the rapid market and technological changes. This transformation is triggered by the development of financial technology (fintech) and the digital revolution, which aims to expand financial inclusion by providing easier and more flexible access for people.  To remain competitive, banks need to continue to innovate and improve services to meet higher customer expectations.  This research uses a qualitative approach with a literature review method to gain an in-depth understanding of banking strategies in the face of market and technological changes in Indonesia. Secondary data was collected from relevant scientific articles, journals and books, then analyzed descriptively and interpretatively. This analysis aims to identify common patterns, trends, and important findings related to product and service innovation strategies, as well as risk and compliance management in the banking industry in Indonesia. The results show that human resource capacity building, digital infrastructure investment, financial education and literacy, effective risk management, collaboration with regulators, adoption of the latest technology, and development of innovative products and services are crucial steps for banks in Indonesia to face dynamic market challenges. The implementation of these suggestions will help banks in Indonesia to be better prepared for change and provide the best services for customers.

A person's happiness with their sleep and the absence of symptoms of sleep deprivation and difficulty sleeping are indicators of good sleep quality. Sleep quality includes things like sleep duration, sleep latency, and subjective features of sleep. A person's capacity to maintain sleep conditions to achieve the appropriate REM and NREM sleep phases. The aim of this research is to determine the impact of gamelan music therapy. The research used a pre-experiment method with a one group pretest-posttest design. There is an influence of gamelan music therapy on sleep quality in the elderly in Banteran Village, Sumbang District, according to the sampling strategy, namely consecutive sampling, which shows a t-test analysis with a p-value of 0.001 (p 0.05).

A person's happiness with their sleep and the absence of symptoms of sleep deprivation and difficulty sleeping are indicators of good sleep quality. Sleep quality includes things like sleep duration, sleep latency, and subjective features of sleep. A person's capacity to maintain sleep conditions to achieve the appropriate REM and NREM sleep phases. The aim of this research is to determine the impact of gamelan music therapy. The research used a pre-experiment method with a one group pretest-posttest design. There is an influence of gamelan music therapy on sleep quality in the elderly in Banteran Village, Sumbang District, according to the sampling strategy, namely consecutive sampling, which shows a t-test analysis with a p-value of 0.001 (p 0.05).

The aim of this research is to find out how e-Government based public services are and to find out various factors inhibiting services in the e-Pusluh application in the Extension Sector of Palu City. The location of this research includes the Palu City Food Security Service. The types of data used are primary data and secondary data. The technique for collecting data and information is in-depth interview observation using interview guides and documentation. Determining informants was carried out using purposive sampling. The number of informants in this research was 05 (five) people. The data collected is filtered and selected based on needs which are then analyzed using qualitative descriptive methods.The theory used fromHarvard JFK School of Government, to implement the concept of digital-based public services, there are three elements of success that must be owned and taken seriously, namely Support, Capacity, and Value. Based on the research results, it was found that the implementation of E-Government based public services in the e-pusluh application in the Extension Sector of Palu City. Support or support from government leaders in the form of presidential regulations regarding the implementation of electronic-based government systems, regulations regarding the implementation of E-Government in general in Sulawesi Province Center and socialization of e-pusluh. Capacity or empowerment from the availability of information technology infrastructure resources such as computers, printing and WiFi is sufficient as well as the availability of competent human resources in carrying out e-government based services. The value element is the benefit felt by the Palu City Food Security Service instructors, namely providing convenience for both officers and instructors in reporting agricultural extension activities. The benefits felt by instructors include saving time without having to queue, online services can also save costs and transportation. The inhibiting factor for services in the e-Pusluh application is the lack of socialization from the Palu city government which is felt by the instructors, making many instructors still not understand how to use the e-Pusluh application. This is an obstacle in the process of implementing the e-pusluh application. Apart from that, the obstacles faced are the lack of familiarity of instructors, especially the elderly, with existing technologies and frequent maintenance on the e-pusluh application.  

The aim of this research is to determine the method used by Bank Jatim Syariah Sidoarjo Branch in analyzing the suitability of iB Barokah home ownership credit (KPR) customers. By using interview techniques, a qualitative research approach was used. Based on research findings, it is known that Bank Jatim Syariah Sidoarjo Branch applies the 5C principles by paying special attention to collateral, capacity and character. The sustainability of financing is greatly influenced by these three factors. Meanwhile, in the conditional point of economy and capital, it is only a supporting factor because it is considered not to have a significant impact on the financing process

This research analyzes the impact of the multinational company Samsung Electronics Co., Ltd.  Against national income in Indonesia.  Using secondary research methods, data from various sources, including the Central Statistics Agency, Samsung’s financial reports, market studies,and previous academic research, was analyzed to understand Samsung’s contribution to the Indonesian economy.  The analysis results show that Samsung’s presence has made a significant contribution to Indonesia’s economic growth through foreign direct investment, jobcreation, increased exports and tax contributions.  Apart from that, positive impacts are also felt through the development of supporting industries, increasing human resource capacity, and support for the MSME sector.  However, it is also necessary to pay attention to negative impacts such as unhealthy competition and the potential for market domination.  Therefore, appropriate regulatory and supervisory measures are  needed to maximize the positive impact and minimize the negative impact of Samsung’s presence.  Overall, Samsung’s role in driving the  Indonesian economy to wards more advanced and sustainable grow this very significant.  Collaboration between companies, government and society needs to be improved to ensure the benefits are felt fairly and sustainably.

Strengthening knowledge and disaster preparedness for students, teachers, and the wider community can be achieved through community service activities packaged in the form of national seminars. This seminar is an educational and collaborative forum that brings together various related parties to share knowledge, experiences, and disaster mitigation strategies. Through this community service activity, geography learning becomes more relevant and applicable. Not only does it increase understanding of disaster mitigation, this seminar also builds community capacity in dealing with disasters, and encourages active participation of all parties in creating a safer and more sustainable environment. This community service activity was carried out in three stages: 1) Material solidification, 2) Q&A discussion, 3) Evaluation. The community service conducted through a resource person at the national seminar on geography education organized by the Master of Geography Education Study Program at Padang State University provides an overview of the integration of processes and projects that can be done to improve understanding of disaster mitigation through geography learning. This includes projects such as identification of disaster locations in the selection of materials, socialization in collaboration with related parties, simulations in schools, or through the development of learning media.

The aim of this research is to determine the quality of the implementation of 5C in Credit Guna Bhakti (KGB) and how to overcome problems that arise as a result of implementing the 5C principles at Bank BJB KCP Palima. This research method uses observation, interviews and literature study. The results of the research show that the quality of Guna Bhakti Credit at Bank BJB applies the 5C principles to prospective debtors, namely consisting of economic conditions, capacity, character, capital and collateral. 2023 will be considered smooth. Problems in implementing 5C occur in the principles of Character and Collateral. This character problem can be overcome by the bank being more careful in trusting the debtor, while regarding the Collateral principle, the bank must re-examine the prospective documents provided as collateral.

Cyberbullying is bullying using digital technology. This can happen on social media, chat platforms, gaming platforms, and mobile phones. Meanwhile, according to Think Before Text, cyberbullying is aggressive and purposeful behavior carried out by a group or individual, using electronic media, repeatedly from time to time, against someone who is deemed not to easily resist this action. So, there is a difference in power between the perpetrator and the victim. The difference in strength in this case refers to a perception of physical and mental capacity. The nature of the research used is normative legal research and the data collection method used in this research is secondary data obtained through library research, namely by conducting research on various literature such as books, laws, with the aim of to look for concepts, or understandings related to the problem of Cyber ​​Bullying Behavior Due to Social Media Which Affects Teenagers. The physical impact of cyberbullying is that teenagers experience headaches, stomach aches, sleep disorders, fatigue, back pain, loss of appetite and digestive problems. Psychologically and emotionally, teenagers feel fear, feelings of terror, anxiety, suffering, sadness, stress and symptoms of depression. School is related to teenagers being less motivated to go to school and a decrease in concentration levels or academic grades. Psychosocially, adolescents have feelings of isolation and loneliness, exclusion and even social rejection. That a personality who is dominant and enjoys violence tends to be temperamental, impulsive, and easily frustrated and often behaves aggressively in adults. Personality characteristics have a fairly high role in a person's tendency to become a perpetrator of cyberbullying. A person with high self-esteem will show himself to have power over others. This is what makes cyberbullying perpetrators show that they are someone who is powerful by bullying weak people.

Green Open Space (GOS) is one of the efforts to deal with increasing GHG emissions because it has the ability to absorb CO2 emissions. Development Area IV Pekanbaru is one of the Development Areas that has the potential to produce carbon dioxide (CO2) emissions, specifically in Bukit Raya Pekanbaru District. This research was conducted to determine the number of motorized vehicles and the value of CO2 emissions produced each day, as well as the value of the capacity of GOS to absorb CO2 emissions from transportation activities in Bukit Raya Pekanbaru District. The method used is recording traffic activities to calculate the amount of CO2 emissions and calculating all public green open spaces with vegetation cover in the form of grasslands and trees with a diameter of ≥ 20 cm, as well as calculating the percentage of green open space absorption capacity. The research results obtained were that the value of CO2 emissions from transportation in Bukit Raya Pekanbaru District was 67,007,898 tons of CO2/year. Meanwhile, the capacity to absorb CO2 by public green open spaces is only 1,992.32 tons of CO2/year. The results show that public green open space in Bukit Raya Pekanbaru District in terms of absorbing CO2 emissions from transportation is still insufficient with a percentage of only 2.97%.

Green Sukuk is a financial instrument that combines the principles of Islamic finance with sustainable development goals. This article discusses the role, practices, mechanisms, as well as challenges and efforts of the government in developing Green Sukuk in Indonesia. Green Sukuk have great potential in supporting the transition to a sustainable economy by providing a source of funding for environmentally friendly projects. However, challenges such as lack of awareness and capacity of financial institutions need to be overcome to optimize the contribution of Green Sukuk. Through strengthening regulations, outreach, product innovation and international cooperation, it is hoped that the Green Sukuk market can continue to develop and support the achievement of sustainable development goals in Indonesia.    

The purpose of this research is to find out the role and influence of technology in the world of education. This research method is a qualitative research using library research methodology. Technology in education is a system used to guide teaching so that the desired results can be achieved. There is always a growing gap between the progress of education and technology and the progress of mankind. In the process, educational technology requires several components, such as tools and components used to collect information, analyze it, and solve problems that may arise. The benefits include adding information, increasing learning capacity, and simplifying the learning process of this technology.

The purpose of this research is to find out the role and influence of technology in the world of education. This research method is a qualitative research using library research methodology. Technology in education is a system used to guide teaching so that the desired results can be achieved. There is always a growing gap between the progress of education and technology and the progress of mankind. In the process, educational technology requires several components, such as tools and components used to collect information, analyze it, and solve problems that may arise. The benefits include adding information, increasing learning capacity, and simplifying the learning process of this technology.

Land transportation as a means of inter-city transportation has the advantage of being able to distribute people and goods with a larger capacity and relatively cheaper costs. The aim of this research is to determine the characteristics of onion transportation, performance, distribution time and the purpose of distributing the onion harvest in Enrekang Regency. This research used a quantitative method, which was carried out for 1 month, namely in September-October 2022 in Enrekang Regency, South Sulawesi, using SPSS analysis. The results of the research show that the characteristics of the 240 respondents were all men, with the most widely used vehicle brand being the Mitsubishi 4-wheeled type (medium truck), the most frequent distribution time range was between 10-15 times a month with an average speed of 50- 60 km/hour, departure time between 10:00 – 15:00 WITA, and arriving around 15:00 – 18:00 WITA, distance over 100 Km, and the longest loading time is over 120 minutes, with the aim of distribution most often to exporters with a percentage of 57.08%, while for distribution areas outside Enrekang Regency the most frequently is Parepare City with a percentage of 46.25%.

In financial and economic management activities, the term banking is often known, both conventional banking and Islamic banking. Islamic banking is a financial institution that plays an important role in managing people's funds. Islamic financial institutions generally have a variety of products offered to the public. In banking activities, there are two main functions of the bank, namely as a savings and loan institution. The purpose of this article is to discuss and analyze related to one of the Islamic bank products, namely loan products that apply the Qardh contract to Islamic financial institutions. The results of the study indicate that the implementation of the Qardh contract in Indonesia is adjusted to the pillars, qardh requirements, and shigat qardh. Qardh contract can be interpreted as a loan that must be returned in the same amount with a certain pre-agreed period. In other words, Qardh is a loan without profit. If it is technically reviewed, then this loan will be given to someone or a sharia financial institution to another person who is used for emergency or urgent needs. The implementation of sharia accounting with Qardh contracts in Indonesia is guided by Law Number 21 of 2008 concerning Sharia Banking in Article 35 paragraph (1) which states that in practice sharia banking is required to implement the 5C principles, namely character, capacity, capital, condition of economy, and collateral.

One of the most common economic activities in the community is micro, small, and medium enterprises (MSMEs). These businesses are known for being relatively easy to develop and have the potential to strengthen a country's economy. As a source of income for most people, MSMEs are often their economic footing. Furthermore, MSMEs have the potential to compete with other businesses on an international level if they are continuously strengthened. If this is successfully achieved, it will provide a significant boost to national economic growth and support the stability of the country as a whole. The purpose of this research is to collect information about the role of contributions and obstacles faced by UNTIRTA students in an effort to encourage the economic development of MSMEs in Serang City. The research was conducted through a descriptive analysis method with a qualitative approach. To collect data, the author employed both literature study techniques and in-depth interview techniques with UNTIRTA students. The results of this study indicate that UNTIRTA students play a significant role in driving the MSME economy in Serang City. UNTIRTA students can assist in raising public awareness about the role and potential of MSMEs in Serang City. Nevertheless, further endeavors are necessary to enhance students' capacity and accessibility to requisite resources, as well as to reinforce collaboration between educational institutions, the government, and MSME stakeholders. It is anticipated that a more conducive environment for the growth and sustainability of MSMEs in Serang City can be created through close collaboration between students, educational institutions, local government, and MSME players.  

Roads in Manokwari City still need a lot to be improved, especially on the Pegaf city boundary road - South Manokwari district, because this road connects the border between the City and the district.... This study aims to calculate the productivity of heavy equipment working on road improvement work, Analyzing the balance of road improvement work tools and knowing the total cost and time required in road improvement projects. So that this research is expected to be useful for optimizing the performance of road sections and being able to provide solutions to problems that occur and can provide an overview of the process of using heavy equipment that is effective and efficient. Productivity is the ability to produce something, so it can be said that heavy equipment productivity is the ability of heavy equipment to produce something per unit of time. In general, heavy equipment work production has the same calculation principles. The basic principles of calculating heavy equipment work production are 4 steps, namely calculating actual capacity, cycle time, calculating gross work production (PKK) and calculating actual work production (PKA). So it can be concluded that the productivity of ordinary embankment excavator 173.68m3 / hour, dump truck 10 tons of ordinary embankment 45.58m3 / hour, optional embankment 36.3m3 / hour, asphalt foundation layer (HRS Base) 7.91m3 / hour, Dump truck 4 tons of Class A aggregate layer 4.02m3 / hour, Class B aggregate layer 4.06m3/hour, motor grader 315m2/hour regular embankment, 174.30 m3/hour optional embankment, 561m2/hour pavement preparation, Class A aggregate layer 274.63m3/hour, Class B aggregate layer 274.63m3/hour, vibratory roller regular embankment 159.36 m3/hour, class A aggregate layer 77.02m3/hour, class B aggregate layer 77.02m3/hour asphalt distributor binder layer 4980 liters, air compressor binder work 1365.35 liters, asphalt finisher asphalt foundation layer (HRS Base) 69.85 tons, tandem roller regular embankment 39.84m3/hour, preparation of the road body 272.98m3 / hour, paving 86.59m3 / hour, wheel loader preferred embankment 117.58m3 / hour, class A aggregate layer 114.98m3 / hour, class B aggregate layer 116.53m3 / hour and tire roller paving 104.06 tons and the total cost of all equipment rental is Rp. 254,091,569.

Intersections are the most important factor in determining the capacity and travel time on a road section. The development of transportation in the city of Medan has had an impact on increasing the movement of people, goods and services. This also greatly demands increased transportation facilities and infrastructure in the city of Medan. The increase in the number of vehicles that is not balanced with infrastructure will cause conflicts on roads, especially at the intersection of three Jalan-Sisingamangaraja Jalan .Alfalah To anticipate This requires further study or research. In this research, analysis of intersection performance calculations uses the 1997 (MKJI) guidelines. The survey was carried out on Monday 14 August 2023 to 20 August 2023. Then the peak hours were searched for the volume of vehicle flow crossing the three intersections. Then create a new cycle time for the intersection. The results of the analysis in this research, from survey results, by looking for new cycle times to reduce queue lengths and delays (Delay). The new cycle time obtained to reduce queue lengths and delays for the three intersections on the northern approach is 859.927 seconds/intersection. Then at the southern approach with a total delay of 2,056,013 sec/intersection and at the western approach with a delay of 307,555 sec/intersection. For existing conditions the queue length (QL) is 1321 meters for the northern approach, (QL) 1372 meters for the southern approach and (QL) 1321 meters for the west

Ecotourism in Baubau City has not developed optimally despite having great natural resource potential. Weak coordination between institutions is one of the obstacles to the implementation of policies related to ecotourism development. The purpose of this study was to analyze the effectiveness of the role of ecotourism development institutions in supporting ecotourism policies in Baubau City. This research uses qualitative methods with data collection techniques of observation and in-depth interviews with related agencies and local ecotourism actors. The results showed that coordination between ecotourism development institutions is still weak so that the implementation of ecotourism policies is not optimal. Recommendations include the need to improve cross-sectoral coordination and program synchronization, optimize the function of ecotourism institutions, and increase human resource capacity. This research is useful as an evaluation for policy makers related to ecotourism institutional reform in Baubau City.