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Knowledge of usury and religiosity is one of the influencing factors in making the decision to save at a sharia bank. There are still many students who already know about usury but still use conventional banks instead of using Sharia. This is the background to the research entitled knowledge of riba nasiah and religiosity on students' interest in saving in sharia banks. This research aims to determine the partial and simultaneous influence of knowledge of riba nasiah and religiosity on students' interest in saving in sharia banks. In this study, a descriptive quantitative method was used with 172 respondents with the technique used in sampling was Stratified Random Sampling, which is a sampling technique according to the population size in each strata, where in this study it was divided into 4 strata, namely sharia banking students, FEBI UIN Sutha Jambi semesters V, VII, IX, and XI. The data analysis techniques used in this research are data quality testing, classical assumption testing, hypothesis testing, multiple linear regression analysis, coefficient of determination and effective contribution testing. The results of the research show that: (1) It was found that partially and simultaneously there was a significant influence of the variables knowledge of riba nasiah and religiosity on students' interest in saving in sharia banks. (2) the variables of knowledge of riba nasiah and religiosity have a positive effect (move in the same direction) on students' interest in saving in sharia banks (3) the result of the Adjust R2 coefficient value is 0.492. This illustrates that the contribution of the variables of knowledge of riba nasiah and religiosity is 49.2% and the remaining 50.8% is influenced by other variables outside this research. And in terms of effective contribution, it shows that the variable knowledge of riba nasiah and religiosity contributed 49.7%. The variable with the most influence in this research is the variable knowledge of riba nasiah, which is 25.1%. From the results of this research, researchers see and realize that there are still many sharia banking study program students who use conventional banks. In fact, there are still those who don't understand about usury and religiosity even though they have studied this during lectures. Students' ignorance about usury and religiosity could be one of the factors that influence them in choosing which bank to use for savings or transactions.

This research aims to determine the effect of minimum wages and labor force participation on open unemployment in East Java Province 2018-2022. The dense population makes Indonesia face economic problems such as open unemployment. This happens because the number of job seekers is not balanced with the number of jobs available. The level of open unemployment occurs in every region, especially in East Java Province. Based on BPS data for the 2018-2022 period, East Java Province experienced an increase in open unemployment in 2020 with a percentage of 5.84%. The research method used uses a quantitative descriptive model approach with combined data between time series and cross-sections. The analytical method used in this research is the multiple regression test method, panel data model which is processed using SPSS version 26. The data collection technique is taken from secondary data from BPS East Java Province in 38 regions. The research results show that the influence of minimum wage instruments and labor force participation on open unemployment in East Java Province can be seen from the statistical probability values of the t test and f test. The results of the t test showed that the minimum wage instrument (X1) had a significant effect on the open unemployment rate (Y) in East Java Province. Meanwhile, the labor force participation instrument (X2) does not show a significant influence on the open unemployment rate (Y) in East Java Province. Meanwhile, the results of the f test research show that the two instruments (X1 and X2) simultaneously have a significant influence on the open unemployment rate (Y) in East Java Province.

This research aims to evaluate the effectiveness of linear regression as a forecasting tool to estimate the Provincial Minimum Wage (UMP) in Indonesia. Utilizing UMP data from various provinces during the period 2002-2022, this study employs linear regression to analyze the factors influencing UMP determination. The predicted UMP for North Sumatra in 2023 demonstrates a high level of accuracy (R-squared = 0.9678), affirming the potential of linear regression as an effective tool to understand regional economic dynamics. The research provides a crucial foundation for policymakers in regional economic planning and suggests avenues for further investigation, including exploring alternative prediction methods and analyzing the impact of UMP regulation policies.

This research aims to determine the effect of Return on Assets, Return on Equity, Net Profit Margin, Debt to Equity on profit growth in manufacturing companies listed on the BEI in 2017-2021. This research method uses an associative quantitative approach. The sampling technique used was purposive sampling, resulting in 14 manufacturing companies listed on the IDX from 2017 to 2021 as the research sample. The data that has been collected is then tested using Eviews, using several tests which include, panel regression sample selection test, descriptive statistical test, partial test, multicollinearity test, panel regression goodness test, simultaneous test, classic assumption test which includes normality test & heteroscedasticity test. The results of this test determine that the variables Return on Assets, Return on Equity, Net Profit Margin, Debt to Equity have a positive & significant impact on profit growth in manufacturing agencies recorded on the IDX in 2017-2021

Company performance can be seen from financial ratios and market ratios. High financial ratios and market ratios will attract investor interest, thereby increasing company value. This research has two objectives, namely looking at the influence of financial ratios on company value and analyzing the influence of market ratios on company value in the food and beverage sector. The research sample consisted of 120 annual financial data from 30 food and beverage sector companies listed on IDX consecutively from 2019-2022. The analysis method uses multiple regression tests and classical assumptions with SPSS as an analysis tool. Financial ratios are measured from three ratios, namely the solvency ratio, profitability ratio and liquidity ratio. The market ratio is measured from earnings per share or EPS. The research results show that only financial ratios as measured by profitability ratios can influence company value positively and significantly, while other financial ratios have no effect on company value. The market ratio relationship shows significant and negative influence on company value.

This study aims to determine the influence of motivation and competence on employees at the Badan Pengelolaan  Keuangan Dan Pendapatan Daerah ( BPKPD ) of Tana Toraja Regency. The research method used in this study was quantitative descriptive research with a sample of 72 people. The data analysis technique used in this study is a multiple linear regression test with statistical calculation tools using SPSS version 25.0.The results of this study obtained the equation Y = 18.514 + 0.616 X1 + 0.305 X2 +e. Motivation affects the performance  of employees. Competency affects the performance of employees. Motivation and competence  a  effect on the performance  of employees at the Office of the Badan Pengelolaan  Keuangan Dan Pendapatan Daerah ( BPKPD ) of Tana Toraja Regency.

This study aims to evaluate the work environment and employee performance at BPJS Employment in Kota Jambi, emphasizing the influence of the work environment on employee performance. Utilizing a quantitative descriptive method, the authors clarify objectives, plan the approach, and collect data for comparison between work environment conditions and employee performance. BPJS Employment in Kota Jambi, functioning as a government institution and Social Security program, is dedicated to providing community services with a commitment to excellence. The study identifies a positive relationship between the work environment and employee performance, with a regression coefficient of 0.949 indicating a potential 94.9% increase in performance with a 1% improvement in the work environment. The research confirms a significant impact of the work environment on employee performance, accounting for 76,7% of the variance, while the remaining 23.3% is influenced by unexplored variables.

Knowledge of finance, understanding of religiosity and security are three aspects that can influence a person's decision to make savings. By understanding these three aspects, it is hoped that the millennial generation will become a generation of quality for the progress of the nation and state. This research is a descriptivequantitative research using primary data. The sample used in this study was 95 millennial generation respondents. Data were obtained by distributing questionnaires both in person and online to respondents who met the qualifications as millennials or those born in 1990 to 2000. The data that was obtained was then processed with statistical software tools, namely SPSS version 26. The results in this study based on the regression test are: first, partially, the financial literacy variable has no influence on saving decisions. Second, partially, religiosity does not have a significant influence on the decision to save in Islamic banks. Third, partially, security has a significant influence on the decision to save in Islamic banks. And fourth, simultaneously, financial literacy, religiosity and security variables significantly influence the decision to save in Islamic banks.

The aim of this research is to analyze the determinants of poverty, including economic growth, human development index (HDI), and Gini index. in West Java province 2008-2022. 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, economic growth has a partial positive and insignificant effect on the level of poverty in West Java province, while HDI has a partial negative and insignificant effect on poverty in West Java province and the Gini index has a partial negative and significant effect on poverty in West Java province. Simultaneously, economic growth, HDI and Gini index have a significant effect on poverty levels.

This research aims to examine and determine the influence of attitude, subjective norms, and behavioral control on the interest of priority customers' deposits at PT. Bank Tabungan Negara (Persero) Tbk Padang Branch Office. This research is quantitative in nature. The primary data for this research were obtained through the distribution of questionnaires to priority customers at PT. Bank Tabungan Negara (Persero) Tbk Padang Branch Office. The population of this study consisted of 272 individuals. The sampling technique used in this research was total sampling, resulting in a sample size of 272 respondents. The data analysis technique used was multiple linear regression and t-Statistical test. The research results indicate that attitude has a significant influence on the interest of customer deposits at PT. Bank Tabungan Negara (Persero) Tbk Padang Branch Office, as reflected by the significance value (Sig.) of 0.035, which is lower than < 0.05 (α). Subjective norms have a significant influence on the interest of customer deposits at PT. Bank Tabungan Negara (Persero) Tbk Padang Branch Office, as evidenced by a very low significance value, which is 0.000 < 0.05 (α). Behavioral control has a significant influence on the interest of customer deposits at PT. Bank Tabungan Negara (Persero) Tbk Padang Branch Office, as reflected in the very low significance value of 0.000 < 0.05 (α). The variables Attitude (X1), Subjective Norms (X2), and Behavioral Control (X3) are able to explain or influence the variable of customer deposit interest at PT. Bank Tabungan Negara (Persero) Tbk Padang Branch Office by 74.1%.

The research aims to determine and analyze the influence of local revenue, audit opinions and capital expenditure on regional financial performance in districts/cities in East Java province. The data processed is secondary data taken from the 2018-2021 District/City Regional Government Financial Reports (LKPD) of East Java Province with a sample size of 38 districts/cities using the documentation method. The method used in this research is the panel data regression analysis method using the IBM SPSS version 26 application. The research results found that local revenue has a positive and significant effect on local government financial performance, audit opinion has a positive but not significant effect on local government financial performance, and capital expenditure has no and no significant effect on local government financial performance.

The purpose of this research is to determine the simultaneous and partial influence as well as the dominant variables of consumer behavior consisting of culture (X1), social (X2), personal (X3), and psychological (X4) on purchasing decisions (Y) for furniture at the Udin Surya Store. The sample in this study was furniture buyers at the Udin Surya Store who met with researchers from June to July 2023 using incidental sampling techniques and the number of samples obtained was 50 people. Buyers as the sample in this study were given a questionnaire consisting of 25 statements. Responses to the questionnaire were tested for validity and reliability before multiple linear regression analysis was carried out using the SPSS application. The results of testing the research instrument, namely the questionnaire, show that the 25 statement items are valid because r count > r table. Apart from that, all statements are reliable because the Cronbach's Alpha value is > 0.60 (0.915 > 0.60). The regression equation obtained is Y = 7.308+0.015X1+0.168X2 +0.199X3+0.535 X4. The correlation coefficient value is 0.789, this shows a strong relationship between consumer behavior consisting of culture (X1), social (X2), personal (X3), and psychological (X4) on the decision to purchase (Y) furniture at the Udin Surya Store. The coefficient of determination value is 0.589, which means that consumer behavior consisting of cultural (X1), social (X2), personal (X3), and psychological (X4) on purchasing decisions (Y) for furniture at the Udin Surya Store is 58.9% while the remaining 41 .1% is influenced by factors not included in this study. Simultaneous testing shows that the value of Fcount > Ftable (18.553 > 2.58) so it can be concluded that there are consumer behavior variables consisting of cultural (X1), social (X2), personal (X3), and psychological (X4) which influence jointly on decision to purchase (Y) furniture at the Udin Surya Store. Next, a partial test was carried out by looking at the calculated t value for each sub-variable of consumer behavior consisting of culture (X1), social (X2), personal (X3), and psychological (X4), each of which was 0.052; 1,283; 1,211; 4.804 which when compared with the t table of 2.01410, then psychological (X4) is 4.804 > 2.01410, the dominant influence on purchasing decisions (Y) for furniture at the Udin Surya Store because t count > table. Meanwhile, culture (X1), social (X2), personal (X3) do not have a significant effect on purchasing decisions (Y) for furniture at the Udin Surya Store because the calculated t value < t table.

This research aims to determine the influence of the use of electronic money on the consumer behavior of students at UIN STS JAMBI, Faculty of Islamic Economics and Business, both partially and simultaneously. The type of data used in this research is quantitative data. Data collection was carried out by means of Questionnaires, Documentation and Interviews. The sample in this study amounted to 92 people. The data analysis used is Descriptive analysis, Variable Test, Reliability Test, Simple Linear Regression Analysis, T Test, F Test, and Coefficient of Determination Analysis. This research was carried out using simple regression analysis to determine the effect of electronic money use on consumer behavior.The results of the research explain the influence of e-wallet use on consumptive behavior among students at the Faculty of Islamic Economics and Business, UIN STS JAMBI or in other words, consumptive behavior is influenced by the use of e-wallet by 64.4%, while the remaining 35.6% is influenced by other factors. not examined in this study.

This research aims to test the government's internal control system and regional financial accounting system on the effectiveness of regional financial management. Data collection for this research used a questionnaire. Questionnaires were delivered to 74 employees at the Padang City Inspectorate Office. This research is included in quantitative research. The sample was determined using total sampling technique. Data analysis uses multiple regression using SPSS 22 software. The results of this research show that the internal control system has no effect on the effectiveness of financial management and the accounting system has a positive effect on the effectiveness of financial management.

The purpose of this research is to determine the effect of Placement (X) consisting of Education (X1), Work Knowledge (X2), Work Skills (X3), and Work Experience (X4) on the Employee Performance variable (Y) at the Tanah Grogot District Court Office Class II. The sample in this study were employees at the Class II Tanah Grogot District Court Office using a saturated sampling technique and the number of samples obtained was 34 people. Employees as samples in this study were given a questionnaire consisting of 13 statements. The responses to this questionnaire were tested for validity and reliability before carrying out multiple linear regression analysis using the SPSS application. The results of testing the instrument, namely the questionnaire, show that the 13 statement items are valid because rcount > rtable is (0.339). Apart from that, all statements are reliable because Cronbach's alpha (α) > 0.60 (0.905 > 0.60). The regression equation obtained is Y = 1.460 – 0.133 X1 + 0.398 X2 – 0.133 X3 + 0.551 X4. The multiple correlation coefficient (R) value is 0.762, which means a strong correlation between the variables Education (X1), Work Knowledge (X2), Work Skills (X3), and Work Experience (X4) on the Employee Performance variable (Y). The coefficient of determination (Adjusted R2) value of 0.522 or 52.2% shows the large contribution of the Placement variable (X) which consists of Education (X1), Work Knowledge (X2), Work Skills (X3), and Work Experience (X4) to the variable Employee Performance (Y) was 52.2%, while the rest was explained by other variables not included in this research amounting to (100-52.2) % = 47.8%. Simultaneous testing (F test) shows that Fcount > Ftable (10.012 > 2.70) or p-value (Fcount) > α (0.000 < 0.05), meaning that H0 is rejected and Ha is accepted so it can be concluded that there is an influence between the placement variables which consists of Education (X1), Work Knowledge (X2), Work Skills (X3), and Work Experience (X4) on the Employee Performance variable (Y) at the Class II Tanah Grogot District Court Office. Partial testing (t test) shows that the value of tcount > ttable on Job Knowledge (X2), namely 3.198 > 1.699 and Work Experience (X4), namely 3.138 > 1.699, there is a significant influence on Employee Performance (Y) at the Class II Tanah Grogot District Court Office, which means H0 is rejected and Ha is accepted, while the value of tcount < ttable for Education (X1) and Work Skills (X3) has no significant influence on Employee Performance (Y) in the Clerk's Office at the Class II Tanah Grogot District Court Office. In the Placement variable (X) which consists of the four variables studied, the dominant variable is Job Knowledge (X2) as evidenced by the highest t-count value of 3.198 and the lowest significant value of 0.003.

The purpose of this research is to determine the influence of communication, teamwork, creativity on the performance of civil servants at the Paser Regency Regional Revenue Agency (BAPENDA). From the results of the validity test of 18 valid statements and the significant limit of rtable is 0.05 and the two-sided test, the rtable value is 0.2876 while rcount > rtable for each statement in this study. The results of the reliability test, the Cronbach Alpha value is 0.903, the N of items is 18. From the results of data analysis and data tabulation, it can be seen that the results of the regression equation are Y= 0.477+0.404 X1+0.245 X2+0.242X3. Based on the calculation results, the R value (correlation coefficient) of 0.842 is at a relationship level of 0.80-1.000, which means it is at a very strong relationship level between the variables communication (X1), teamwork (X2), and creativity (X3) on performance. employee (Y). The Adjusted R Square value (coefficient of determination) is 0.688 or 68.8%. This shows that the variables communication (X1), teamwork (X2), and creativity (X3) contribute or contribute an influence of 68.8% to the performance of civil servants (Y) at the Paser Regency Regional Revenue Agency (BAPENDA). Meanwhile, the remaining 31.2% was influenced by other variables not included in this research. The Fcount test results obtained a value of 34.796 with a significance level of 0.000 while the Ftable value was 2.82 (3:43). So Fcount is 34.796 > Ftable value is 2.82. This means that there is a joint influence between the variables communication (X1), teamwork (X2), and creativity (X3) on employee performance (Y).  The results of the t test obtained a Communication tcount (X1) value of tcount 3.094 > ttable 2.017 with a significance level of 0.003 < 0.05. So H0 is rejected and Ha is accepted. Teamwork (X2) tcount is 2.454 > ttable is 2.017 with a significance level of 0.018 < 0.05. So H0 is rejected and Ha is accepted. Creativity (X3) tcount is 1.983 < ttable is 2.017 with a significance level of 0.054 > 0.05. So H0 is accepted and Ha is rejected.

The aim of this thesis is to determine the influence of service quality on customer satisfaction with People's Business Credit (KUR) financing at Bank Syariah Indonesia Sub-Branch Office (KCP) Paser Tanah Grogot. Based on the Validity Test which contains 26 statement items, it is declared valid, because rcount > rtable, with an rtable value of 0.3120. The results of the Reliability Test which contains 26 statement items are declared reliable, because the Cronbach alpha value is greater than 0.6 then the Multiple Linear Regression Equation which contains the value of each variable is Y = 1.488 - 0.001X1 + 0.313X2 - 0.035X3 - 0.216X4 + 0.560X5. Based on the Correlation Coefficient Test (R), it shows a value of 0.760 and is in the Coefficient interval 0.60 – 0.799, which means there is a strong influence between Direct Evidence (X1), Reliability (X2), Responsiveness (X3), Assurance (X4) and Empathy (X5) on KUR Financing Customer Satisfaction (Y). The results of the Adjusted R Square Determination Coefficient (R2a) show a value of 0.515 or 51.5%, which means that Direct Evidence (X1), Reliability (X2), Responsiveness (X3), Assurance (X4) and Empathy (X5) provide a percentage contribution or the contribution that influences the KUR Financing Customer Satisfaction variable (Y) at Bank Syariah Indonesia KCP Paser Tanah Grogot is 51.5% while the remaining 48.5% is contributed by other variables not included in this research. The results of the F test calculation analysis (simultaneous) obtained an Fcount value of 9.295 and Ftable using a significance level of 0.000 while the Ftable value was 2.49. So Fcount is 9.295 > Ftable value is 2.49 and the hypothesis test is accepted because there is a significant influence on KUR Financing Customer Satisfaction. The results of the t test calculation analysis show that the t value of the Reliability variable (X2) is 3.341 with a significant level of 0.002, Empathy (X5) is 4.017 with a significant level of 0.000 which has an influence on KUR Financing Customer Satisfaction (Y). Meanwhile, the t-calculated value of Direct Evidence (X1) is -0.007 with a significant level of 0.995, Responsiveness (X3) is -0.187 with a significant level of 0.853, and Guarantee (X4) is -1.819 with a significant level of 0.078 and has no effect on KUR Financing Customer Satisfaction (Y). Based on the calculations above, the Empathy variable (X5) has a dominant influence on KUR Financing Customer Satisfaction (Y) with a t value of 4.017 with a significance level of 0.000. Thus, the second hypothesis in Chapter II which states that the Guarantee variable (X4) has a dominant influence on KUR Financing Customer Satisfaction (Y) is not proven correct (H0 is accepted Ha is rejected).

This study aims to explore the relationship between financial ratios, financial distress, and sales growth rates. The population used is made up of all consumer products industry sector companies that are registered on the Indonesia Stock Exchange between 2018 and 2020. Purposive sampling was used to select and collect 39 company samples in total. The investigation hypothesis was evaluated using logistic regression analysis. This study shows how financial ratios and sales growth both have a significant impact on financial distress. Meanwhile, show to some extent that leverage and profitability have a significant influence on financial hardship, but liquidity and sales growth do not.

The purpose of this study was to determine the influence of users and the effectiveness of the Plastic Bottle Waste Compression Tool "Bottlepress" as an innovation in protecting the environment. The method used is a quantitative survey form using the Google Form platform in the form of a questionnaire to obtain a sample. Simple Linear Regression and Correlation methods were used as data analysis of this study.  The results of this study indicate that there is no influence between user convenience on compression tools with a greater significance α> 0.05, namely 0.373 and a regression coefficient of 0.167 units or 16.7% positive value.

The pellet molding machine has high efficiency to make it easier to process animal feed pellets. The pellet processing process requires a series of activities such as grinding, mixing, pelleting and drying. Therefore, research was carried out to identify the effect of convenience on the level of effectiveness of using an animal feed pellet printing machine. The method used in this research is a quantitative method by distributing questionnaires via the Google Form platform. Validity tests, reliability tests and simple regression analysis are used to analyze the data obtained from filling out the questionnaire