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The purpose of this research is to find out how product diversification is carried out by Bank Syariah Indonesia after the merger to attract customers. The research methodology used is descriptive qualitative research. The informants in this study were employees of the Denpasar Branch of Bank Syariah Indonesia using a purposive technique. As well as data collection in the form of interviews and documentation. This study describes the results of product diversification carried out by Bank Syariah Indonesia after the merger to attract customers, namely by launching BSI products that were launched which did not exist in previous banks, namely Imas and BSI smart agents. Verification conducted by Indonesian Islamic banks is more effective in increasing customer interest which is increasing every month and is also suitable for expanding market share.

Penelitian ini bertujuan untuk mengetahui pengaruh lingkungan kerja non fisik dan kompensasi terhadap retensi karyawan baik secara simultan maupun parsial. Penelitian ini dilakukan di PT Kharisma Asia Makmur Kalimantan Barat. Pengumpulan data dilakukan dengan cara membagikan kuesioner. Populasi dan sampel dalam penelitian ini adalah karyawan PT Kharisma Asia Makmur yang berjumlah 55 orang. Metode analisis data yang digunakan adalah analisis regresi linier berganda yang diolah menggunakan program IBM SPSS Statistic versi 23. Hasil penelitian menunjukkan bahwa lingkungan kerja non fisik dan kompensasi berpengaruh positif dan signifikan terhadap retensi karyawan, maka semakin baik lingkungan kerja non fisik dan kompensasi maka retensi karyawan meningkat.

Before deciding to rent, some prospective clients must first seek information about the Vina House building through colleagues or family or anyone who has rented the building, how the packages are in it, how the facilities are obtained. The results of previous research conducted by Kurniawan (2015) are that facilities and location have a positive and significant effect on purchasing decisions, while Memah et al., (2015) give the results that facilities have a positive but not significant effect on consumer purchasing decisions. Furthermore, Latief (2018) provides research results that the location variable has no significant effect on consumer buying interest. Referring to the phenomena and gaps in research results, this study aims to determine the moderating effect of WOM on facilities and locations on the rental decision-making process. Based on the research objectives to be achieved, the type of research used by the researcher is explanatory research. The results of further calculations show that the regression coefficient value of the word of mouth variable as a moderator has a regression value of -0.015 which is negative with a calculated significance value of 0.085 > 0.1. The value of the regression coefficient of the word of mouth variable as a moderator has a regression value of -0.050 which is negative with a calculated significance value of 0.007 <0.1.

This study aims to analyze the effect of Funding Decisions, Dividend Policy and Tax Aggressiveness on Firm Value.Population in this study is the property and real estate sector companies listed on the IDX in 2015-2019. The sample companies obtained and meet the criteria are 9 companies and the data that can be processed is 45 annual report data. The data analysis used is descriptive statistics, classical assumption test, multiple linear regression, and hypothesis testing using SPSS version 21.0 program. The results of the partial test (t test), Funding Decisions have a significant positive effect on Firm Value, Dividend Policy has a significant positive effect on Firm Value, while Tax Aggressiveness has no effect on Firm Value.

This study aims to analyze the effect of work ability and work attitude on employee performance at the Department of Population and Civil Registration of Bima Regency. The sampling technique used is the sampling technique used in the study using Non Probability Sampling with the number of samples used, namely 38 ASN employees. The methods used in this study are validity, reliability, classical assumptions, multiple linear regression, t-test and f-test. The partial test results reveal that the work attitude variable has a positive and significant effect on work performance. simultaneously (simultaneously) have a significant effect on work performance at the Department of Population and Civil Registration of Bima Regency.    

Stikubank University (Unisbank) Semarang has implemented a web-based learning system known as a smart campus in which there is an integrated smart campus e-learning model. E-learning applied by Unisbank management is an online learning medium by utilizing information technology to make it easy for all students and lecturers to use in the teaching and learning process. This study aims to analyze the success of university e-learning based on the adaptation of the Delone and McLean information system success model. Primary data and secondary data were used in this study, a questionnaire instrument was used to obtain primary data. Furthermore, the data is processed quantitatively using the Smart PLS 3.0 software. The results of the data test were then analyzed descriptively to provide a narrative description of the research results. The results of research data processing showed that (1) Student assessment of system quality in the e-learning system had no significant effect on intention to use with a p-value of 0.729; (2) Student assessment of system quality in the e-learning system has a significant effect on user satisfaction with a p-value of 0.002; (3) Student assessment of information quality in the e-learning system has a significant effect on intention to use with a p-value of 0.025; (4) Student assessment of information quality in the e-learning system will have a significant effect on user satisfaction with a p-value of 0.000; (5) Student assessment of service quality in the e-learning system has no significant effect on intention to use with a p-value of 0.166; (6) Student assessment of service quality in the e-learning system will have a significant effect on user satisfaction with a p-value of 0.000; (7) User satisfaction related to the e-learning system has a significant effect on intention to use with a p-value of 0.000; (8) Intention to use e-learning system has a significant effect on net benefits p-value 0.004; (9) User satisfaction in the e-learning system has a significant effect on net benefits with a p-value of 0.000. Keywords: PLS, SEM, SmartPLS 3.0, E-Learning, Information Systems success, Delone & McLean Model.

The existence of the internet creates a new paradigm in word of mouth communication, the phenomenon of e-wom is considered an evolution from traditional interpersonal communication to a new generation. In a study conducted by Meybiani et al., (2019), the results showed that the e-WOM variable had no significant effect on consumer buying interest, while Lita & Auliya (2019) gave the result that online reviews had no significant effect on repurchase intentions, trust in consumers. web has a significant effect on repurchase intentions, online transaction security has a significant effect on repurchase intentions, privacy has a significant effect on repurchase intentions. Meanwhile, in a study conducted by Sari (2021), it was explained that E-WOM had a significant positive effect on repurchase intention. The purpose of this study is to analyze and explain the effect of online shopping experience and the effect of e-wom on repurchase intentions through e-trust. This study uses an explanatory research type, which tries to explain the relationship between the variables contained in the study. The variables in this study are online shopping experience, E-Wom, e-trust and repurchase intention. The minimum sample used is 89 respondents, the researchers will take a sample of 100 respondents. The Adjusted R² value of 0.295 means that the influence of the online shopping experience variable (X1) and the e-wom variable (X2) can explain the variation of changes in the e-trust variable (Y1) of 29.5%, the Adjusted R² value of 0.369 means the magnitude of the online influence shopping experience (X1), e-wom (X2) and e-trust (Y1) variables on repurchase intention (Y2) by 36.9%

The Gojek Mobile application is one application that is widely used by the wider community. In recent years, Gojek has developed very rapidly and is able to beat conventional transportation modes because it is more practical and has many service features offered by the applicator. This study aims to analyze and determine the extent to which the ease of use, information quality, security quality and technical & functional quality of the Gojek application are perceived as useful for users and have implications for user satisfaction and loyalty. The approach used in this study is included in the type of explanatory research, namely research whose explanation uses hypothesis testing in which the causal relationship between variables is explained. The respondents of this study were 100 students from various universities in the city of Semarang. The data collection technique in this study used a questionnaire instrument where the variables were measured using a five-scale Likert scale, where the data was processed using SmartPLS 3.0. From the model test, the test results show that of the 7 hypotheses, five hypotheses are accepted because they have a significant effect and two are rejected because they are not significant, the data is said to be significant if it has t < 0.05. customer satisfaction variable has a significant effect on loyalty variable with P Values ​​= 0.000, information quality variable also has a significant effect on perceived usefullness variable with P values ​​= 0.001, perceived easy of use variable affects customer satisfaction variable with P Values ​​= 0.000 , the perceived easy of use variable has an effect on the perceived usefullness variable with P Values ​​= 0.009, the perceived usefullness variable affects the Customer satisfaction variable with the P Values ​​= 0.023, the security quality variable has no effect on the perceived usefullness variable with the P Values ​​= 0.085, the technical variable & functional quality has no effect on the perceived usefullness variable with P Values ​​= 0.813.

The  study aims to determine and analyze Locus Of Control and work environment on employee job satisfaction. The sampling technique used is saturated sampling where the sample used in this study is all members of the population as many as 32 employees. The methods used in this study are validity, reliability, classical assumptions, multiple linear regression, t-test and f-test. The results of the study partially revealed that the Locus Of Control had no effect and was not partially significant on job satisfaction, while the work environment variable had a partial and significant effect on job satisfaction.results of the simultaneous test say that the Locus Of Control and the work environment have a simultaneous effect on job satisfaction.

Observations that contain the intent to determine how much influence the variable understanding of SIA, compensation, competence, motivation, experience on the performance of employees of PT. Telkom Indonesia Witel Solo. The population contained in this study amounted to 70 employees with sample criteria targeting employees who use accounting information systems totaling 42 employees. The tool to analyze the data is multiple regression analysis. With the results of the partial research test where the variables of understanding accounting information systems, compensation, and work experience have no significant effect on employee performance, while competence and work motivation affect employee performance. And the results of the simultaneous test of all these variables together have a significant effect on employee performance.

This research and development aims to develop a valid and effective Microbiology module based guide inquiry on research on Isolation and Identification of Endophytic Bacteria from Ciplukan. The microbiology module was developed in reference to the ADDIE research and development model. The module drafting phase includes:1) the analyzing step through interviews with lecturers and the questionnaire of needs analysis by student respondents; 2) The step of designing learning modules to improve cognitive knowledge and process skills; 3) The step of developing by using module validation; 4) The step of applying which consists of module implementation in learning; 5) The evaluation step which consists of evaluating the validity of modules, cognitive learning outcomes and student science process skills. The results of the study show that the microbiology module developed accordance with the standards of validity, feasibility and practicality.

The problem that almost every developing country faces is poverty, and Indonesia is no exception. The root of the problem of poverty is that people cannot live properly. This has an impact on the quality of human resources, thereby reducing productivity and lowering the income of the community itself. Community income, unemployment, health, education and environmental conditions are factors that influence the occurrence of poverty problems. The poverty rate in North Sumatra is still relatively high compared to other regions, but North Sumatra is not included in the 10 poorest areas in Indonesia. Analyzing the effect of HDI on poverty is the aim of this study. This study uses simple regression for the research method and is processed using the help of SPSS 26 software. Through this study it can be seen that HDI has a significant effect on poverty in North Sumatra.

The Human Development Index (HDI) & expenditure inequality for each province in Indonesia need to be studied whether the Human Development Index (HDI) and expenditure inequality in each district/city in Banten Province have an influence or not. The independent variable is the Human Development Index (HDI) and the dependent variable is expenditure inequality. The research method used is quantitative method using document data from the Central Statistics Agency (BPS) in Banten Province. The results showed that the Human Development Index (HDI) had no significant effect on expenditure inequality. Where if there is a decrease in the Human Development Index (IPM) it is not certain that it will reduce Inequality in Banten Province.

Soursop leaves contain steroid or terpenoid compounds, flavonoids, coumarins, alkaloids, and tannins. The flavonoid compounds in soursop leaves work as antioxidants. The purpose of this study was to find out how to make Peel Off face masks from soursop leaves, to find out the benefits of Peel Off facial masks from soursop leaves on facial skin calls, to determine public acceptance of Peel Off facial masks products from soursop leaves to reduce acne. The researcher used the observation method, the interview method, the experimental method, the documentation method, the R&D method, and the questionnaire method. Peel Off mask product from soursop leaves has a composition of soursop leaf extract 3gr, Natrosol 5gr, Propylene Glycol 6ml, Propyl paraben 1gr, Methyl paraben 1gr, Sodium Lauryl Sulfate 2gr, distilled water 6ml distilled water, 9ml polyvinyl alcohol. From the results of public trials to the public, the products made are effective in reducing whitehead acne, acne in the T zone, acne papules, acne fulminans, acne menchanica, and can brighten the face. The results of the calculation of public acceptance of the Peel Off facial mask product from soursop leaves of the fifth experiment have an average color result of 3.5. Thickness 3.5. Texture 3.6. Scent 3.4. Side effects 3.5. This Peel Off face mask from soursop leaves is suitable for use on the face because it contains antibacterial and antioxidant properties that are very effective in reducing acne.

Pendahuluan. Nyeri dismenore dapat menimbulkan rasa yang kurang nyaman pada seseorang dikarenakan oleh nyeri yang timbul untuk mengurangi rasa nyeri tersebut maka diberikan senam dismenore. Senam dismenore dapat meningkatkan pasokan oksigen sehingga nyeri dapat berkurang. Tujuan. Penelitian ini mengetahui apakah ada pengaruh senam dismenore terhadap penurunan dismenore. Metode. Penelitian dilakukan dengan menggunakan metode penelitian Pre-Eksperimental. Sampel diambil berdasarkan jumlah responden sebanyak 10 orang dengan menggunakan Accidental sampling. Pengumpulan data dilakukan dengan observasi. Selanjutnya data yang telah terkumpul diolah dengan menggunakan program SPSS versi 16.0 untuk di analisa dengan uji statistik T-Dependen. Hasil. Hasil Uji T Dependen didapatkan p value = 0,000 artinya statistic ada perbedaan signifikan penurunan skala nyeri sebelum dan sesudah melakukan senam. Kesimpulan. dalam penelitian ini terdapat pengaruh senam dismenore terhadap penurunan dismenore pada remaja putri di SMA Muhammadiyah Manado. Diharapkan senam dismenore dapat diterapkan oleh siswi putrid sehingga dapat mengurangi dismenore saat haid.  

The formulation of the problem in this research is whether compensation and work environment influence employee job satisfaction. The aim of the research is to determine the effect of compensation and work environment on employee job satisfaction at PT. The research population is employees of PT. Sarana Industama Perkasa has 679 employees and the determination technique uses accidental sampling. The sample in this study amounted to 87 respondents. The data sources in this research are primary data and secondary data. Secondary data can come from data that has been documented. The data analysis techniques used are descriptive analysis and multiple linear regression. The results of the multilevel regression analysis are Y = 7.831 + 0.323X1 + 0.408X2 + e which shows that compensation and the work environment have a positive and significant effect on job satisfaction. The results of the test (t) or partial test show that compensation has a positive and significant effect on job satisfaction where it can be seen that the calculated t value is 3.928 > t table 1.989 and work environment variables also have a positive and significant effect on job satisfaction where it can be seen that the calculated t value is 4.764 > t table 1,989. So 71.6% of the variation in the dependent variable, namely compensation and work environment in the model, can explain the variable job satisfaction at PT. Sarana Industama Perkasa while the remaining 28.4% is influenced by other variables outside the model.

This study aims to determine the motivation variable has a significant effect on work discipline and work motivation has a significant effect on employee performance. The sample in this study were 60 employee respondents who worked at PT. Samitex Bantul. Research analysis using multiple linear regression. The test results show that the work discipline variable has a significant effect on employee performance. It can also be said that every time there is an increase in work discipline, it will affect employee performance. Work motivation variable has an influence on employee performance. That is, every time there is an increase in work motivation will improve employee performance.

This study aims to investigate the impact of democratic parenting style, single parent resilience, school environment, and religious education on child character development. Through an exploratory approach, the research seeks to understand the intricate interplay between these factors and their effects on shaping children's character traits. The study employs purposive sampling to gather insights from diverse perspectives, including parents, educators, and religious leaders. Data analysis involves thematic coding to identify recurring patterns and themes within the narratives. Initial findings suggest that democratic parenting fosters independence and empathy in children, while single parent resilience contributes to resilience-building. Additionally, the school environment and religious education play significant roles in instilling moral values and ethical principles. These findings underscore the multifaceted nature of child character development and highlight the importance of considering various influences in nurturing well-rounded individuals.

Independent Upbringing of Family Medicinal Plants (Asmantoga) is a plant cultivated by the surrounding community and cadres of Bojonegoro sources of corn which has medicinal properties and can be used for health. Besides that, Asmantoga plants are natural medicines and do not contain chemicals. Under these circumstances, the servants made an innovation in the Asmantoga Park to turn the medicinal plant area of the Sumberagung village family from Bojonegoro into an Asmantoga Educational Park. And also conduct independent care as an effort to change the paradigm of curative medicine, to become promotive and preventive, which is beneficial for efficiency and effectiveness for the surrounding community and Sumberagung cadres.This service aims to find out the development of family medicinal plants in the village of Sumberagung, Dander Bojonegoro sub-district, to find out how to increase community knowledge about the benefits of self-care for family medicinal plants in Sumberagung Village, Dander Bojonegoro District.The community service partners here are Village Officials, and Asmantoga Cadres of Sumberagung Village, Dander Bojonegoro District.The methodology used in community service in Sumberagung village is the ABCD (Asset Based Community Development) method.The results of the Asmantoga land use activities have made the residents a little more concerned with the Asmantoga land use. Pengabdi also held a health seminar with the theme "keep your health with family medicinal plants" with Sumberagung village health workers in order to introduce to the community how important it is to preserve family medicinal plants.  

) activities for Madrasah Aliyah Takhassus Al-Qur'an students in Wonosobo Regency. The mentoring stages go through four steps: coordination, implementation, FGD, and activity evaluation. Qualitative research setting by collecting data through observation, interviews, Focus Group Discussions (FGD), and filling out questionnaires. The results of this activity show that assistance in the Member Loyalty Period activity is very effective in strengthening awareness of good attitudes in life. The specific positive impact of this activity was an increase in understanding of the culture of healthy living and the importance of organizing. A follow-up mentoring program is needed so that activity alumni can further develop their mindset and organizational spirit.