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Praise and blessings to God Almighty for His abundant mercy so that we can complete the group assignment that has been given. In this assignment, we have attempted to present the information briefly and concisely, with the aim of providing a general overview of the topics discussed. While this assignment may not be able to explore every aspect in depth, we hope to provide sufficient understanding and answer some questions that may arise. Finally, we would like to thank you, the reader, for your interest and the time you took to read this assignment. Hopefully this assignment can provide new insights and help you understand the topic better. Once again, thank you for this opportunity and hope this assignment meets your expectations.

Tea has become a very popular beverage around the world due to its diverse flavors and rich health benefits. There are many types of tea, including green, black, white, long tea and each of these teas has unique characteristics in its processing and antioxidant content. The purpose of this research was made, to observe and see the uniqueness of Shanaya Tea because it has a unique tea flavor that not many people know, and to help raise the name Shanaya Tea so that it is always remembered by the community, that in Pematangsiantar City if you don't buy tea from Shanya Tea it's not steady. Our group collects data through direct interviews with the owner as the owner of Shanaya Tea. The result of this scientific work is to see that there are still many creative economy industry sectors around Pematangsiantar City that we should be proud of and make souvenirs for future migrants.

The era of society 5.0 is an era that applies the ease of technological innovation in the era of the industrial revolution 4.0 to facilitate activities, especially in the economic sector. This research aims to see the use of technology such as social media in the creative economy so as to create new businesses for young entrepreneurs. To support this statement, this study uses the literature review method in finding supporting data. Almost all internet users must have social media, especially among teenagers and young people, so that it makes business people especially among teenagers and young people make creative new innovations in building a business. This shows an increase in creative economy development that has great potential and will have a significant impact on the Indonesian economy.

This research was conducted to observe the effect of gold prices, world oil prices and palm oil prices as commodity prices on the movement of stock prices in Indonesia from 2019 to 2022. The research method used is a quantitative method, using secondary data. The analysis technique used is multiple linear regression analysis technique. The research data is in the form of time series data, namely monthly data from January 2019 to December 2022. The total data is 48 for each variable. The conclusion of this study is that the price of gold has no significant effect on the Jakarta Composite Index (IHSG). World oil prices have a significant effect on the Jakarta Composite Index (IHSG). The price of Palm Oil has a significant effect on the Jakarta Composite Index (IHSG). The results of this study are to prove that gold price movements cannot be used as an indication of stock prices on the Indonesia Stock Exchange (IDX). Movements in world oil prices and palm oil prices can indicate stock prices on the Indonesia Stock Exchange (IDX). The above conditions apply for the long term.

IPM is an important indicator for measuring success in efforts to build the quality of human life (society/population) in Indonesia, including in West Sumatra Province. The aim of this research is to analyze gross regional domestic product, economic growth rate, Gini index and poverty in West Sumatra Province 2013-2022. The analytical method used in this research is multiple linear regression analysis. The data used in this research is secondary data and is a form of time series data. Based on the results of multiple linear analysis, PDRB per capita partially has a positive and significant effect on IPM in West Sumatra Province, while the Growth Rate and Gini Index partially have a negative and insignificant effect on IPM in West Sumatra Province and Poverty partially has a positive and insignificant effect on PDRB West Sumatra. Simultaneously GRDP Per Capita, Economic Growth Rate, Poverty and Gini Index have a significant effect on IPM. So the fifth hypothesis states that simultaneously PDRB per capita, economic growth rate, poverty and Gini index have a significant effect on IPM

This service activity aims to add innovation to Clitoria Ternatea herbal products in the ASMANTOGA PKK group, Ceguk village, Pamekasan district. These wild plants are very often found in the environment around people's lives, one of which is currently very popular is the telang flower which we know by the Latin name Clitoria Ternatea. This activity provides product innovation made from butterfly pea flowers. The methods used are demonstration methods, socialization methods, and training methods. The result of this activity is education regarding innovation in the development of Clitoria Ternatea herbal products as an optimization of the utilization of local potential in Ceguk village, Pamekasan district. Apart from that, participants were able to understand the training methods for developing Clitoria Ternatea herbal products as processed drinks for the community in Ceguk village, Pamekasan district through PKK women.

Waste is a problem of the environment and urban communities that until now has no solution. Waste Bank is an alternative to reduce waste production because it directly involves the community. Through this Waste Bank program not only involves the community in the implementation process but can improve the community's perspective on waste management. The implementation of this service begins with providing teaching material to the community so that they are motivated to be able to sort household waste and together form a waste bank as a means of channeling waste. The counseling with material about the importance of managing waste with waste banks and how waste banks work. The result of this training is that the community is very enthusiastic to participate in the waste management program through the clean and cash program because the clean amd cash program is considered an effective program by the community in addition to reducing the effects of environmental pollution from garbage collectors also get money exchanged to the garbage bank. This craft training also adds to the community's insight to utilize used goods into things that are valuable and can be resold.

Multinational corporations are involved in a country's economic sector because they are important in absorbing labor and increasing a country's per capita income. The purpose of this study is to highlight the importance of detailed knowledge about multinational companies that may have some impact on Indonesia's economy. The research method used is a qualitative research method using the technique of collecting library research data using multiple references and information from relevant institutions of the Indonesian economy. The findings show that the role of multinational corporations has both positive and negative impacts. On the positive side, the role of Multinationals could provide Indonesia with adequate opportunities to develop the country's economic sector through Indonesia's foreign exchange contributions. Apart from that, Indonesia is attracting attention from other countries as other countries believe that Indonesia can increase foreign investment due to Indonesia's rich resource potential and emphasis on labor wages in developing countries like Indonesia increasingly recognized. On the negative side, the Indonesian government does not emphasize multinational companies in terms of domestic trade and industry regulations, providing opportunities for domestic companies to compete domestically.

The aim of this research is to find out how many santri students have online loans, the purpose of santri students making online loans and find out how santri students pay off these online loans. This research method uses a descriptive qualitative method by conducting surveys and in-depth interviews with Islamic boarding school students who have online loans. Furthermore, the descriptive qualitative method aims to answer the problem formulation in this research. The results of this research are (i) the majority of santri students have online loan facilities, (ii) all santri students use online loans for consumptive purposes, (iii) the source of installment payments for online loan payments comes from the santri students' pocket money. The implication of this research is to provide information and references to stakeholders regarding the reach of online loans which have spread among Islamic boarding schools. The novelty of this research is related to the research object, namely online loans among Islamic boarding schools.

Investing in economic development is an important aspect because investment is one of the driving forces in the process of strengthening a country's economy. Several countries have made efforts to increase investment within the framework of their economic policies, as one way to encourage the process of strengthening the economy (Jati, 2012). Over the last decade, investment has not only become an important need for a country to advance its economic development but is also the most important means of developing industry. The research method used in this journal is qualitative. This research uses a qualitative approach to understand the factors influencing traditional markets and their impact on society and the economy. In this research, the author uses descriptive analysis to explain the conditions of traditional markets and the impact of changes in consumer preferences and the shift in people's shopping places to modern shopping centers. Indonesia has decided to become a member of both regional and world trade, such as: GATT (General Agreement on Tariffs and Trade), AFTA (Asean Free Trade Area), APEC (Asia-Pacific Economic Cooperation) and WTO (Word Trade Organization). Indonesia has become a member of regional and world trade, so at the same time, Indonesia has become part of the global community and trade liberalization. Basically, liberalization creates an era of global trade that is free of borders, protection and barriers. This also increases trade competition between economic actors. The challenges of traditional markets in facing the impact of globalization and trade liberalization are characterized by the flow of investment into Indonesia from one most profitable region to another in all investment sectors. This phenomenon makes capital investment or investment a demand to meet the needs of a country, company and society, for example by investing in the modern retail industry (modern markets), such as: supermarkets, hypermarkets, minimarkets.

Performance of the company is mostly measured by financial ratio for a spesific period. This measurement must be in accordance with generally accepted accounting treatment in preparing financial statements. Financial ratios have weaknesses in measuring performance where performance looks good but does not increase or even decrease. Therefor, other measuring are needed that can show the success of the company with the aim of adding economic value. Economic Value Added (EVA) is one of the most relevant measurements in measuring a company's financial performance because it can show how much added value can be generated during a spesific period.This research using qualitative descriptive method with secondary data from financial statement of PT Kimia Farma, Tbk listed on Indonesia Stock Exchange for 2018-2022. This study aims to find out the financial performance of PT Kimia Farma, Tbk listed on the BEI using the Economic Value Added (EVA) method. Economic value added (EVA) is an added value for the company by incurring capital costs. The result of this research indicate that financial perform with EVA method are negative, means that it performs is not optimal.

The purpose of this study is to analyze the effect of government spending on education and health on the Human Development Index in the border areas of North Sulawesi province in the last eleven years. This study uses secondary data taken from the Central Bureau of Statistics of North Sulawesi and the Directorate General of Financial Balance for the period 2011 – 2021. The analysis used was multiple regression analysis of panel data that combined the data of four districts using a panel data analysis model on the eviews application with data collection of Health, Education and Human Growth Index. Regression testing shows Y = 63.9 + 2.9 X1 + 6.47X2. In the T test, it explains that the Education variable has a significant influence on HDI and the results of the Health variable have a significant influence on HDI, the amount of government spending on education and health can be seen from the R-square of 0.96, meaning that X1 and X2 have a significant influence on Y by 96 percent and the rest by other factors.

This study aims to analyze the financial performance of PT Telekomunikasi Indonesia Tbk during the 2020-2022 period in terms of liquidity, solvency, activity and profitability ratios. The type of research used is descriptive quantitative research. The type of data used is quantitative data and the data source used is secondary data. The data analysis technique used in this study uses financial ratios. The results of the study show that the financial ratios of PT Telekomunikasi Indonesia Tbk during the period studied show unfavorable performance. The liquidity ratio shows that the company has not maximized its short-term obligations. The solvency ratio shows that the company has the ability to fulfill its long-term obligations. The activity ratio indicates that the company has not been able to utilize and manage its assets to increase sales. Profitability ratios based on ROA and ROE analysis in unfavorable conditions indicate that the company has not maximized in generating satisfactory profits and has not been efficient in the use of capital and returns on net income on capital invested by the company owner. But the NPM analysis shows that the company is able to generate good profits.

The development of Small and Medium Enterprises (SMEs) is one of the government's priorities, especially in Tebing Tinggi City. Known as an industrial city, it becomes an opportunity for the development of SMEs, which are the majority of the workers. The development of SMEs, especially "Culinary Clusters" that have high added value to economic growth, needs to be given greater attention to developed. The purpose of this study is to analyze the factors that influence the business performance of SMEs in Batam City. The method used to determine the relationship between these factors uses partial least square- structural equation modeling (PLS-SEM) with SmartPLS 3.0 software. The results of data processing show that internal and external factors influence the performance of SMEs. External factors consist of government policies, socio-economic conditions, and culture, the role of related institutions has a significant influence on the condition of internal factors consisting of aspects of human resources, finance, technical production, and marketing. External and internal factors have a positive and significant influence on the performance of SMEs.

The purpose of this study was to find out the role of the village head in increasing the creativity of the economic development of the people of Kloangpopot village, Doreng sub-district. the people of Kloangpopot Village, Doreng District, Sikka Regency. Jenins research uses qualitative research, and data collection techniques, namely interviews, observation, and documentation. The results showed that the role of the village head in increasing the creativity of the economic development of the Kloangpopot village community, Doreng subdistrict, Sikka district, had been carried out. This can be seen from community participation in the implementation of Kloangpopot village economic development going well according to 3 indicators, namely through motivator indicators that encourage or motivate the community to involved in implementing economic development in the village such as carrying out the programs that have been given, the indicator of the facilitator is that the village head as a facilitator always provides supporting facilities such as meeting places. such as the village hall facilitated by the village head to discuss economic development in the village kloangpopot, the mobilizing indicator moves or invites the community to participate in taking concrete actions to develop the village, for example mobilizing the community in village meetings. While the obstacle to the role of the village head in increasing the creativity of the economic development of the people of Kloangpopot village, Doreng sub-district, Sikka district, is the lack of availability of human and community resources that are not yet professional in building creative villages.

Poverty can be a big problem for the country. By not having property, human life becomes completely limited. The lack of shelter, food and clothing facilities means they cannot meet their living needs as they should. Poverty is the main problem in the novel Keep The Aspidistra Flying where the main character suffers from poverty since birth. In the story, even though Gordon Comstock, the main character in this novel, was born into a poor family, he really hates money and state capitalism. He prefers to live independently with simplicity and persistence. This novel research uses the Hermeneutics method. Hermeneutics is a method that regulates methods of interpretation, namely the interpretation of texts and other signs that can be considered texts. This problem of poverty must be resolved immediately, otherwise many bad impacts will arise, one of which is long-term poverty.  

This research aims to prove the influence between village fund management and transparency and community welfare. This type of quantitative research, the preparation of hypotheses is based on agency theory which reflects the relationship between the government or agent and the community or principal. The sample used was the Nglorog Village community of 30 people who were determined using random purposive sampling. The research results found that village fund management and transparency had a significant positive effect on community welfare. And both variables have a simultaneous effect on the dependent variable. It is hoped that the research carried out can become a reference for the Nglorog Village government to improve its budget transparency system and make the human resources available to the Village Government more effective so that Village Fund Management is more targeted    

The island of Sumatra has 10 provinces with a Human Development Index level that is not much different from the national Human Development Index, several provinces on the island of Sumatra have a Human Development Index below the national Human Development Index. The aim of this research is to analyze the Human Development Index and the factors that influence it in Sumatra for the 2018-2022 period. This research is quantitative research. The variables used in this research are the Human Development Index, Gross regional domestic product, Economic Growth, Poverty, and the Gini Index. The panel data method is used for analysis in the form of cross section data from 10 provinces on the island of Sumatra and time series data for 2018-2022. The results of this research show that Gross regional Domestic Product and Economic Growth have a negative and insignificant effect on the Human Development Index, Poverty and the Gini Index have a negative and significant effect on the Human Development Index in Sumatra for the 2018-2022 period.

Oligopoly is a form of market structure where there are a few producers or dominate the market for a particular product or service. In an oligopoly, there are a few large companies that control most of the supply of goods or services, thus having the ability to influence prices and control competition. In an oligopoly market, each company will position itself as part of the market game. This certainly needs to be done because the profits they get are very dependent on their competing companies. Every policy taken by one company will greatly influence other companies so that competition will become increasingly fierce in terms of price and quality.

The problem is that people with disabilities are always considered not to be independent and are often seen as lacking performance in companies. This greatly influences employees with disabilities in adapting to the work environment. Apart from that, the problem raised is the quality of performance of employees who are considered to have committed fraud. The aim of this research is to look at the quality of performance of accountants with disabilities found in literary works. The research method used is the hermeneutical method. The method used is to understand the text and the problem to be able to understand and know the strengths and weaknesses of the text. This research uses data from the literary work used entitled Love Risk Management by Helen Tanuwan. Theories in research are incongruent. The results of this research show that the main character has hearing problems but there are conditions imposed by his former boss so that the main character must be responsible for the bad credit of one of his customers.