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This study aims to obtain an effective solar panel tracking mechanism using energy-efficient electric actuators. Furthermore, we designed and implemented a semi-active solar tracking system. A tracking system is proposed to control solar panel orientation using a moving mass, a spring system, and an actuator. The weight of the moving mass and the spring constant are optimized to reduce actuator size. A stepper motor was used for this case. This electric drive is not the prime mover of the solar tracker; hence, it works against mass elements lighter than solar panel weight as used in the active solar tracker. Experimental results suggest that the average power required by the stepper motor is 0.21% of the energy generated by the solar tracking system. The results indicate that the proposed solar panel tracker works satisfactorily to control solar panel orientation.

This study aims to analyze the Arrangement of Term Waqf according to Article 6 of Law Number 41 of 2004 concerning Waqf. The results of this study indicate that Islamic Law on the Application of the Term of Waqf according to Article 6 of Law Number 41 of 2004 concerning Waqf is something that is very helpful in distributing some assets in the form of movable and immovable assets to be used as benefit and with the existence of term waqf. time expands the space in distributing part of the assets with a period of time agreed upon by the wakif and the recipient.

When learning English, especially vocabulary for young learners, it's a good idea to use media that can capture children's attention. However, using media is not always possible or realistic for a teacher in the classroom because the use of media depends on the learning material to be conveyed to students. In teaching vocabulary, songs can be used as a good way to introduce new vocabulary to students, so that they can understand words or lessons easily and clearly. Songs that can contain information, such as words or numbers, either in one stanza or the entire song and are used in class or private study. Before this lesson, the vocabulary of students, especially about human body parts and also the names of animals in English is very limited. After this lesson, the vocabulary of students will increase, especially the vocabulary of human body parts and also the names of animals in English. It is proven that the additional learning obtained through community service activities carried out by the author can improve students' English skills, especially students' English vocabulary.

The management of traditional markets has the potential to create and expand employment opportunities, especially for workers who lack adequate skills and expertise to work in the formal sector due to their low level of education, and as a place of business, small traders have many strategic values. both from an economic and socio-cultural perspective. The purpose of this study was to determine market management in Gowa Regency, especially the Sungguminasa people's market. The method used in this research is descriptive qualitative. The analysis in this study uses the theory proposed by Henry Fayol with the dimensions of Planning, organizing, commanding, coordinating, controlling. The results showed that the lack of optimal supervision and firmness of the officers regarding the collection of market levies on kiosks and stalls, inadequate facilities and infrastructure, as well as the condition of the narrow market land resulted in street vendors not being accommodated. Lack of ineffective placement personnel became an inhibiting factor in socialization process to traders. The researcher's suggestion is that the Gowa Regency Industry and Trade Department should fix the market effectively and efficiently and increase market optimization, it is necessary to take steps to improve the quality and quantity of human resources and other supporting resources, so that traders are placed in appropriate places and it is hoped that the Gowa Regency Industry and Trade Department will pay more attention to the facilities provided. is around the market.

This study aims to analyse the significance factors of Sea Export Process, Forwarding Responsibility, and Warehouse Handling Process towards the operational performance of Raja abadi branch Company in Semarang. This study is performed to the company's staff members as the population of 70 respondents. The data collection involves observations, literary reviews, interviews, documentations, and questionaires. Furthermore, the analysis technique used in this study is based on the result of research and multiple analysis using SPSS v.23 program. Based on the results of the research, the following equations are generated : Y = 2,752 + 0,268X1 + 0,342X2 + 0,184X3 + µ Based on the multiple linear regression equation, the study found out that the most dominant variable in the operational performance of the company is the Forwarding Responsibility variable with the regression coeficiency of 0,342. Furthermore, the determinated coeficiency (adjusted R square) showed a result of 0,707 or 70,7%. This means the operational performance of the company is governed by the variables of Sea Export Process, Forwarding Responsibility, and Warehouse Handling Process by 70,7% as well as other factors by 29,3%. Therefore, it is found that Air Export Process, Forwarding Responsibility, and Warehouse Handling Process played a positive and significance role for the operational of the Raja abadi branch Company in Semarang.

Traffic accidents are influenced by several factors including human error, animals, weather, traffic signs. Of the four, have an influence on traffic accidents with satisfactory results. The purpose of this study was to determine whether there was an influence of Human error, Animals, Weather, and Traffic Signs on traffic accidents on the Denpasar-Gilimanuk highway, Jembrana Regency, Bali. In this study, the research population is motorized vehicle users who cross the Denpasar-Gilimanuk highway, Jembrana Regency by taking a sample system with a total of 93 respondents (samples). The variables in this study consisted of: Human error (X1), Animals (X2), Weather (X3), Traffic signs (X4) and the dependent variable was Traffic Accident (Y). The research model is multiple linear regression analysis. The results of the analysis using the statistical tool SPSS V.25 program obtained multiple linear regression equations Y = -1.530+0,313X1+0,227X2+0,258X3+0,318X4+µ. Shows that, based on empirical facts (the results of filling out the questionnaire) and multiple linear regression results show that the Human error variable (X1) has a t count of 3.680 and a t table of 1.98729 then H1 is accepted and significant, animals (X2) have a t count of 2,035 and t table of 1,98729 then H2 is accepted and significant, weather (X3) has a t count of 2.852 and t table of 1.98729 then H3 is accepted and significant, traffic signs (X4) has a t count of 4.618 and t table of 1.98729 then H4 is accepted and significant. In the coefficient of determination test (R Square) the Adjust R Square value of 0.633 means that 63.3% of the variation in the dependent variable of traffic accident factors can be explained by the independent variables of human error, animals, weather, traffic signs. While the remaining 36.7% is explained by other reasons outside the variables studied.

Background: Sexually Transmitted Infections are diseases that are transmitted through sexual contact. Most of the sufferers of this disease are adolescents aged 15-24 years. The high risk factor for this disease is adolescents because of the usual premarital sexual behavior. Sexuall transmission disease are still a health problem in various countries. One of the reasons is the relatively low level of adolescent knowledge. The purpose of this study was to describe the level of adolescent knowledge about sexually transmitted infections in SMA Negeri 1 Singaraja. Method:  This research uses descriptive method with survey approach. The population in this study were teenagers in SMA Negeri 1 Singaraja with a sample of 293 samples. The sampling technique used in this study was simple random sampling. The measuring instrument in this study used a closed questionnaire with 30 questions. The data is then processed using SPSS. The data analysis method in this research is qualitative data analysis method. Results: The results of the 293 respondents, the knowledge of adolescents about sexually transmitted infections were mostly in the good category. Adolescents with a good level of knowledge were 260 respondents (88.7%), 30 respondents (10.2%) in moderate category, and 3 respondents (1.0%) in poor category. Conclusion: The majority of adolescents' knowledge level about sexually transmitted infections in SMA Negeri 1 Singaraja was in the good category as many as 260 respondents (88.7%). The results of this study are expected to be input for adolescents to always pay attention to their health and as an effort to prevent sexually transmitted infections.

ABSTRACTBackground: Childbirth is a physiological thing where there is a series of processes that end with the release of the conception by the mother. The labor process is identical with the pain that will be experienced. All women who give birth will experience pain during labor and statistically, labor pain cannot be tolerated by two out of three mothers. Purpose: The purpose of this study was to determine the effect of Pranayama Yoga on First Stage Childbirth Pain. Methods: Pre-experimental research design with one group pretest posttest design. This research will be carried out for first-time active mothers in Midwife Independent Practice in November-December 2018. The sample that will be used in this study are all first-phase active mothers in Midwife Independent Practice in November-December 2018. Results: The results of this study are partly Most respondents experienced severe pain before being given Yoga Pranayama as many as 27 people (90%), and most respondents experienced moderate pain after being given yoga pranayama as many as 16 people (53.3%). The results of this study found that there was an influence of Pranayama Yoga on Active Stage I Stage Pain Pain with a value of p 0.00, indicating there was an influence of Pranayama Yoga on Phase I Active Stage Pain in Midwife Independent Practice with a value of 0.00 <0.05. Conclusion: There is a significant effect of Yoga Pranayama on the Pain of the Active Phase I Labor. Keywords: Yoga pranayama; Childbirth pain; First stage of active phase ABSTRAKLatar Belakang: Persalinan merupakan hal yang fisiologis dimana terjadi rangkaian proses yang berakhir dengan pengeluaran hasil konsepsi oleh ibu. Proses persalinan identik dengan rasa nyeri yang akan dijalani. Seluruh wanita yang melahirkan akan mengalami nyeri selama proses persalinan dan secara statistik rasa nyeri persalinan tidak dapat ditoleransi oleh dua dari tiga orang ibu bersalin. Tujuan: Tujuan dari penelitian ini untuk mengetahui Pengaruh Yoga Pranayama terhadap Nyeri Persalinan Kala I. Metode: Desain penelitian praeksperimental dengan one group pretest posttest design. Penelitian ini akan dilaksanakan pada Ibu bersalin kala I Fase Aktif di Praktik Mandiri Bidan (PMB) pada bulan November-Desember 2019. Sampel yang akan digunakan pada penelitian ini adalah semua Ibu bersalin kala I Fase Aktif di PMB pada bulan November-Desember 2019. Hasil: Hasil penelitian ini sebagian besar responden mengalami nyeri berats ebelum diberikan Yoga Pranayama yaitu sebanyak 27 orang (90%), dan sebagian besar responden mengalami mengalami nyeri sedang setelah diberikan yoga pranayama sebanyak 16 orang (53,3%). Hasil penelitian ini mendapatkan hasil bahwa terdapat pengaruh Yoga Pranayama terhadap Nyeri Persalinan Kala I Fase Aktif dengan nilai p 0,00, menunjukan ada pengaruh Yoga Pranayama terhadap Nyeri Persalinan Kala I Fase Aktif di PMB denganp value 0.00 < 0.05. Simpulan: Terdapat pengaruh yang signifikan Yoga Pranayama terhadap Nyeri Persalinan Kala I Fase Aktif. Kata Kunci: Yoga pranayama; Nyeri persalinan; Kala I fase aktif

Introduction: Hospitalization is a crisis that occurs in children when they are sick and hospitalized. Pre-school children who undergo hospitalization try to adapt to the hospital environment so that it will be a stressor for both children and parents which can cause anxiety. The reactions shown by pre-school children who underwent hospitalization were rebellious, issued inappropriate words, and were less cooperative when nursing actions were carried out. The purpose of this study was to identify the impact of hospitalization on pre-school children (aged 3-6 years) in the Anggrek Room of the Regional General Hospital of Tabanan Regency. Methods: This research is a quantitative descriptive study using a cross sectional approach, respondents were selected by purposive sampling with a sample of 30 pre-school children using an observation sheet. Results: This study shows that the description of the impact of hospitalization on pre-school children in the Anggrek Room is in the high category of 19 respondents (63.3%) and in the low category of 11 respondents (36.7%). It was also found that most of those who were treated were aged 3 years as many as 14 respondents (47.6%), male sex as many as 17 (56.7%), most of whom are only children (50%), have parents, most of whom have high school education (63.4%), some have undergone hospitalization (50%), and some with chronic disease (50%). Conclusion: The impact of hospitalization on school children (aged 3-6 years) in the Orchid Room of the Regional General Hospital of Tabanan Regency is in the high category.

ABSTRACT Background: Cancer is a disease that arises due to abnormal growth of body tissue cells that turn into cancer cells. Breast cancer is one type of cancer with the highest percentage among other cancers. The number of breast cancer in adolescents aged 15-24 years as many as 16 people was recorded in the records of the Riau Provincial Health Office in 2015. The results of medical research at the Johns Hopkins Research Center in America stated that 40% of cancer patients who were detected early through regular home self-examinations were successful. healed. Purpose: This study aims to determine the relationship between knowledge and action on early detection of breast cancer. Methods: This research is quantitative with an analytical design that uses primary data. The research sample was 84 young women using the Proportionate Stratified Random Sampling technique. Data for knowledge and action for early detection of breast cancer were obtained by using a questionnaire and analyzed by univariate and bivariate using chi square test with SPSS. Results: The results of the univariate analysis were 50 (60%) young women with sufficient knowledge, and 69 (82%) young women did not do early detection of breast cancer. The results of the chi square test show that there is no relationship between knowledge and action on early detection of breast cancer. Every young woman is expected to increase knowledge related to early detection of breast cancer so as to raise awareness to carry out breast self-examination.   Keywords: Knowledge, Action, Early Detection of Breast Cancer   ABSTRAK Latar Belakang: Penyakit kanker adalah penyakit yang timbul akibat pertumbuhan tidak normal sel jaringan tubuh yang berubah menjadi sel kanker. Kanker payudara merupakan salah satu jenis kanker dengan persentase tertinggi diantara penyakit kanker lainnya. Jumlah kanker payudara pada remaja berusia 15-24 tahun sebanyak 16 orang tercatat dalam catatan Dinas Kesehatan Provinsi Riau Tahun 2015. Hasil penelitian medis John Hopkins Research Centre di Amerika menyebutkan bahwa 40% penderita kanker yang terdeteksi sejak dini melalui pemeriksaan sendiri di rumah secara teratur berhasil sembuh. Tujuan:Penelitian ini bertujuan untuk mengetahui hubungan pengetahuan dengan tindakan terhadap deteksi dini kanker payudara. Metode: Penelitian ini bersifat kuantitatif dengan desain analitik yang menggunakan data primer. Sampel penelitian sebanyak 84 orang remaja putri dengan menggunakan teknik Proportionate Stratified Random Sampling. Data untuk pengetahuan dan tindakan deteksi dini kanker payudara diperoleh dengan menggunakan kuisioner dan dianalisis secara univariat dan bivariat menggunakan uji chi square dengan SPSS. Hasil: Hasil analisis univariat terdapat 50 orang (60%) remaja putri dengan pengetahuan cukup, serta 69 orang (82%) remaja putri tidak melakukan deteksi dini kanker payudara. Hasil uji chi square menunjukkan tidak ada hubungan antara pengetahuan dengan tindakan terhadap deteksi dini kanker payudara. Setiap remaja putri diharapkan meningkatkan pengetahuan terkait deteksi dini kanker payudara sehingga menimbulkan kesadaran untuk melakukan pemeriksaan payudara sendiri.   Kata Kunci :Pengetahuan, Tindakan, Deteksi Dini Kanker Payudara

Fragrant pandanus is a type of monocot plant from the pandanaceae family. Fragrant pandan leaves have various ingredients and can be used as antibacterial ingredients and are safe to use, which have been known empirically by the Indonesian people. There are many benefits to the fragrant pandan leaf plant (Pandanus amaryllifolius Roxb), namely as an analgesic (toothache medicine) and antibacterial. The purpose of this study was to determine the chemical content, formulation and stability test in mouthwash preparations. In this study, the maceration method is used which is used to filter simplicia containing chemical components that are easily soluble in liquid. The results of this study indicate that in the phytochemical screening test there are chemical compounds which include flavonoids, alkaloids, saponins, and tannins, which are thought to have contributed to bacterial activity. Research has also been carried out on the formulation and stability test of mouthwash preparations from the ethanol extract of pandan fragrant  leaves  (Pandanus  amaryllifolius roxb)  where  the  results  show  that  the  formulation  can  be  used  as mouthwash of fragrant pandan leaves (Pandanus amaryllifolius roxb) with different concentrations in formulation I. as much as 15.5%, in formulation II as much as 16.5%, and in formulation III 17.5%. And the physical quality test of the mouthwash includes an organoleptic test which has a distinctive smell of fragrant pandan leaves and menthol and the pH test has a stable pH of 5. The results obtained basically produce mouthwash with good physical quality.

The tapak dara plant is known as an ornamental plant that is efficacious for relieving muscle pain , antidepressant , medicine for various diseases ( ie relieving swelling caused by wasp stings , nosebleeds and sore throats ), antidote , antibacterial , and lowering blood pressure in humans . Purpose of   Research of this is to identify the content of the chemical from the leaves of tread virgin ( Catharantus roseus ), which serves as an antibacterial and to test the activity of antibacterial extract ethanol leaves tread virgin ( Catharantus roseus ) against the growth of bacteria Staphylococcus aureus by using the method of diffusion in order. Method which are used in research this is experimental by using the method of diffusion in order. This study used concentrations of 5%, 20%, 60%, and 80%. Positive control (+) chloramphenicol antibiotic , negative control (-) aquadest . Results of the study is the extract of leaves of Tread Dara ( Catharantus roseus ) can inhibit the growth of bacteria in a concentration of 80% by having an average zone of inhibition of which is 21 mm including the category is very strong and the concentration of 60% at 20 mm.

Tahap perkembangan ini menunjukkan hal yang unik dan memerlukan perhatian yang khusus dari orang dewasa untuk tumbuh dan kembang. Hal itu yang memicu makin mantapnya anggapan bahwa sesungguhnya pendidikan yang dimulai setelah usia SD tidaklah benar. Pendidikan harus sudah dimulai sejak usia dini supaya tidak terlambat. Sehingga penting bagi anak untuk mendapatkan Pendidikan Anak Usia Dini. Penelitian ini bertujuan untuk mengetahui Hubungan pendidikan anak usia dini dengan perkembangan kognitif anak usia prasekolah di TK Abdi Setia Bakti di Desa Taccorong Kecamatan Gantarang Kabupaten Bulukumba 2017. Penelitian ini merupakan penelitian observacional-analitik dengan pendekatan study cross sectional. Pengambilan sampel dilakukan dengan tehnik Non Probability sampling dengan Purposive Sampling. Sampel penelitian yang diambil berjumlah 38 anak sekolah di TK Abdi Setia Bakti Desa Taccorong Kecamatan Gantarang Kabupaten Bulukumba pada tanggal 19 Mei sampai 17 Juli 2017. Alat ukur yang digunakan adalah observasi. Analisa data yang digunakan dengan uji uji Chi-Square. Hasil Penelitian menunjukkan bahwa persepsi responden dengan pendidikan terakhir PAUD dengan perkembangan kognitif optimal sebanyak 23 (82,14%) responden, sedangkan pendidikan terakhir PAUD dengan perkembangan kognitif tidak optimal yaitu 0 (0%) responden, dan persepsi responden dengan pendidikan terakhir tidak PAUD dengan perkembangan kognitif optimal sebanyak 5 (17,85%) responden, sedangkan pendidikan terakhir tidak PAUD dengan perkembangan kognitif tidak optimal sebanyak 10 (100%) responden.  Berdasarkan hasil analisis menggunakan uji statistik uji Chi-Square diperoleh nilai p < 0,001. Terdapat Hubungan Pendidikan Anak Usia Dini Dengan Perkembangan Kognitif Pada Anak Usia Prasekolah di TK Abdi Setia Bakti Desa Taccorong Kecamatan Gantarang Kab.Bulukumba dengan nilai p < 0,001.

This research was conducted to determine how big the relationship between the role of the family in providing Islamic education to children's abilities and to find out how big the ability of parents to provide basic Islamic education to their children. The method used in this research is to use quantitative methods using a correlation approach. We took samples from the parents of the students of the Al-Husna female dormitory. The results of this study state that there is a correlation between the ability of families to basic Islamic education in children. This is based on the calculation of r + 0.611 which is then consulted with the price of "r" tanel with N = 25 and a significance level of 1% = 0.505, thus 0.611> 0.505 , so it is accepted while H is rejected. And if interpreted on the correlation index "r" momentct product, then 0.611 is between 0.40-0.70, which means there is a moderate or moderate relationship between the family's ability to basic Islamic education in children.

Sinar Sosro is a company that produces various beverage products. Product quality and brand equity in this company have been carried out well, in line with the development of market share and strong competition to always develop in making products that are attractive to consumers so that consumer satisfaction will always be well maintained.This type of research is a quantitative research. Collecting data in this study using the method of observation, interviews and questionnaires. The population of this study was 110, sampling used a combination technique of accidental sampling and purposive sampling, using the Slovin formula to get a sample of 88 respondents. The analysis uses multiple regression with the help of SPSS 22 software.Based on the results of this study there is a partial influence between the variable Product Quality (X1) on Consumer Satisfaction (Y) which is significant. we can conclude that t count, 5.292 > t table 1.988 and the significance value of the product quality variable is 0.000 < 0.05. This means that product quality (X1) partially influences consumer satisfaction (Y), so the hypothesis H0 is rejected. H1 is accepted. Based on the results of this study, there is a partial effect between Brand Equity (X2) and Consumer Satisfaction (Y). which is significant. We can conclude that t count is 4.251 > t table 1.988 and the significance value of Brand Equity is 0.000 <0.05. This means that Brand Equity (X2) partially influences Consumer Satisfaction (Y), so the hypothesis H0 is rejected and H2 is accepted. Based on the results of the study, there is a simultaneous (simultaneous) effect between the variables Product Quality (X1) and Brand Equity (X2) on Consumer satisfaction (Y). Statistical data analysis shows. The simultaneous significance value of Product Quality and Brand Equity is 0.000 < 0.05 and the calculated F value is 57.997 > F table 3.101. This means that Product Quality (X1) and Brand Equity (X2) simultaneously affect Consumer Satisfaction (Y), then the hypothesis H0 is rejected and H3 is accepted. Based on the output results of SPSS 22, there is a coefficient of determination or R square of 0.577 or 57.7% . This shows that the independent variables studied (product quality and brand equity) have a positive influence on consumer satisfaction by 57.7%. while the rest is influenced by other variables not studied.

Islamic education in general can be understood as an effort to increase students' faith, understanding, appreciation and practice of the religion of Islam so that they become Muslim individuals who believe and are pious and have noble character in personal, social, national and state life. This study aims to reveal the effect of Islamic Religious Education on the Attitudes of Single Parent Children: 1) Implementation of Islamic Religious Education. 2) Attitude of Single Parent Children. 3) The Effect of Islamic Religious Education on the Attitude of Single Parent Family Children This research is a field research with quantitative approach with correlation method. The data collection techniques used are: 1) Observation Method 2) interviews (interviews) 3) questionnaires (questionnaires) 4) documentation. Data analysis techniques include calculating the average value (mean), product moment correlation techniques, and drawing conclusions. Based on the research that has been done, it can be concluded that Islamic religious education has a good influence on the attitude of single parent children.

Mental health is very influential in the teaching and learning process, therefore it is important to maintain mental health so that the learning process runs effectively, one way to heal mental disorders such as emotional wounds is to do self-healing. This study discusses the comparison of the implementation of self-healing in Islamic boarding school students and students in public formal schools. By using a comparative research method with a qualitative approach and the data obtained through filling out a questionnaire (questionnaire) and interviews of 5 students and 5 students of state junior high schools. The results of the study show that there are differences in the implementation of self-healing in junior high school students and students based on where they are, the conditions and situations they are experiencing, students use self-healing more by drawing closer to Allah and putting their trust in God, while junior high school students are more able to do self-healing. Self-healing that students cannot do, such as using a mobile phone, is due to the rules that exist in Islamic boarding schools.

This study aims to analyze the influence of internal and external factors on bank credit. The data was obtained from banks listed on the Indonesian Stock Exchange in the 2017-2020 period. Samples were taken based on the purposive sampling technique. This research uses the data pool regression analysis. Then the selection of the best estimate based on the Chow test to select the Pooled Least Square (PLS) estimate with the Fixed Effect Model (FEM). Then the Hausman test was carried out to select the FEM estimate with the Random Effect Model (REM). The test results found that FEM was the best for further analysis. From the FEM output, it is concluded that Third Party Finance (TPF) and Loan to Deposit Ratio (LDR) have a positive effect on bank credit. Meanwhile, Non Perfoming Loan (NPL) and Capital Adequacy Ratio(CAR) do not affect bank credit. Then Economic Growth affects bank credit negatively. The Market Interest Rate has a positive effect on bank credit. The three state-owned banks have a higher ability to provide credit than the other banks in the sample of this study.

Based on the data obtained, this study was made with the intention of analyzing and examining the liquidity andleverage variables in financial distress with the profitability ratio as moderating in manufacturing companies listed onthe IDX with 3 years of observation, namely the 2017-2019 period. The independent variable is proxied by usingCurrent Ratio (CR) as the liquidity variable and Debt to Equity Ratio (DER) as the leverage variable. The moderatingvariable is proxied using Return on Assets (ROA), while the variable using the Z-Score proxy (Altman). The populationis manufacturing companies for the period 2017-2019 and is listed on the IDX. The sample taken is 99 manufacturingcompanies with purposive sampling method. The method of analysis uses logistic regression. The results of the researchtested show that CR has an effect on financial distress. Meanwhile DER does not affect financial difficulties. However,it is different from ROA, ROA, the effect of CR and DER on financial distress.

The study aims to find out the effect of ROA, ROA, CAR, BLIQ, CRISK, SIZE, INF, and GDP on NPL. This sampling technique uses purposive sampling. The sample used was 42 banks listed on the IDX with the 2017-2019 research period. The effect independent variable on the dependent variable is explained by using the multiple regression analysis methods. The classical assumption is also performed, namely normality test, autocorrelation test, multicollinearity test, and heteroscedasticity test. The results showed that ROA, CAR and CRISK had a negative and significant effect on NPL, while BLIQ, SIZE, INF, and GDP had a negative and insignificant effect on NPL.