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Banking, which acts as a financial middleman, is crucial to a country's economy. One definition of a bank is an entity whose primary business is to accept deposits from the general public and then make loans, savings accounts, and other financial products and services available to residents of the community in order to raise everyone's quality of living. People's credit banks (BPR) in Indonesia are financial institutions that conduct their operations in accordance with traditional banking practices and/or sharia law. This research set out to quantify the impact of external funding and risk management on the bottom lines of Indonesia's islamic rural banks. From the total sample size of 164 businesses, 46 were selected at random as representative of the banking sector. The Statistical Package for the Social Sciences (SPSS 29) was used for all statistical analyses and data processing. Findings from the study include: (1) the insignificant impact of third-party funds on BPRS performance; (2) the insignificant negative impact of non-performing financing on BPRS performance; (3) the insignificant impact of the financing-to-deposit ratio on BPRS performance; and (4) the significant negative impact of operational costs on BPRS performance.

Warung Makan Mbah Sum is a business operating in the culinary sector which was founded in 1990 and produces food and drinks. The aim of this research is to find out and analyze the business development strategy carried out by Warung Makan Mbah Sum to increase its income. Warung Makan Mbah Sum is located on Jl Husnitamrin RT 08/RW 04, Saditan Brebes. This research aims to analyze and implement the marketing mix at Warung Makan Mbah Sum. Marketing mix variables consist of product, price, promotion and distribution. The method used is a qualitative descriptive analysis approach. Data sources were obtained from observation, interviews and documentation. The object in preparing this research is business development strategies to increase income at the Mbah Sum Saditan Brebes Food Stall. The results of research in the field state that the business development strategy carried out by Warung Makan Mbah Sum is increasing product variants, maintaining low prices, improving service quality, and using new sales concepts. The obstacles faced by Warung Makan Mbah Sum in developing its business are lack of operational management, lack of facilities for eating on site, and pressure from outside (competitors). If seen from a strategy perspective, Warung Makan Mbah Sum has been able to develop its business to increase income.    

Swiftlet's nest is one of the most famous foods in the world. Swiftlet's nest is believed to have very good benefits for the health of the human body. This swallow nest besides having a high price, can also be beneficial for the world of health. In order to get high-value swallow nests, it is necessary to know the types of swallows that can produce good quality nests. This study uses the theory of income in the book development economics by  Sukirno Sadono. The research aims to determine the role of the swallow business in increasing the income of the Sumber Agung community. This research includes field research, with the method of observation, interviews and documentation, while the data analysis used is qualitative data analysis. The results of the study show that the swallow's nest breeding business in Sumber Agung Village is a side business where the average community in Sumber Agung Village has a livelihood as oil palm farmers. The swallow's nest breeding entrepreneurs aim to improve the family's economy by looking at the high selling price of swallow's nests and export value. The risks faced can also be minimized so that there are no substantial losses.

The aim of this publication is to clarify the legal relationship between parties involved in peer-to-peer lending as well as legal protection in the event of default. This research uses a method known as normative legal research or library law research, where secondary data or library materials are used as source material. In addition, this page explains in general the P2P lending model, rules, P2P lending arrangements in Indonesia, and consumer legal protection. Based on this research, it is known that the parties involved in P2P lending have power relations, loan agreements, and cooperation agreements. Depending on the cause of default, the lender or P2P Lending provider may be liable for default risk. Although illegal P2P lending is not subject to OJK regulations, legal P2P lending businesses are regulated by the Financial Services Authority (OJK) and must comply with OJK regulations. Subjective terms are violated by loan agreements signed through illegal P2P Lending, allowing requests for cancellation in court.  

The system (OSS RBA) is a platform for administering business licensing that is digital-based and has been issued for business actors who will carry out business activities assessed based on the level of risk of business activities. The purpose of this study is to find out the Application of the Policy Contents of Government Regulation No. 5 of 2021 Concerning the Implementation of Risk-Based Licensing Services for MSME Actors by the DPMPTSP of Bintan Regency. The related indicators in this study are: 1). Government Regulation, 2). Resources, 3). Communication, 4). Disposition or Attitude of Executors, 5). Assisted Services Clinic. This type of research uses a qualitative descriptive analysis technique with 8 informants. The results of the research (1) In Government Regulation No. 5 of 2021 the Bintan Regency Investment and One-Stop Services Service already has Standards, Goals and Targets in implementing the OSS RBA system. (2) Resources which include, Human resources that are adequate and have obtained BIMTEK in providing services to business actors, Financial Resources are still inadequate because DPMPTSP applies a budget priority scale for OSS RBA system policies, and Adequate Resources for Facilities and Infrastructure in the process implementation of OSS RBA system services. (3) Communication, DPMPTSP has collaborated with DKUPP Bintan Regency which has been granted derivative access rights for the OSS RBA system and socialization has been underway to business actors who are micro, small and medium enterprises

This research aims to analyze the effect of Business Risk and Asset Structure on the Capital Structure of Manufacturing Companies in the Basic and Chemical Industry Sector listed on the Indonesia Stock Exchange. The sample in this study were 35 basic and chemical industry sector companies listed on the Indonesia Stock Exchange using the Purposive Sampling method for the 2018-2020 period. Based on multiple linear regression analysis, the variables of Business Risk and Asset Structure have an effect on Capital Structure with the equation Y = 2,968 – 7,865X1 – 2,355X2 + e. From the t-test, it was found that the variable X1 Business Risk had a significant effect on the Capital Structure with t count value is [-7,171] > t table [1,983] and sig 0,000 < 0,05. Then H1 is accepted. Variable X2 Asset Structure had a significant effect on Capital Structure with t count value is [-4,988] > t table [1,983] and sig 0.000 <0.05. Then H2 is accepted. From the F test, it was found that Business Risk and Asset Structure have a simultaneous effect on Capital Structure with f count [32,694] > f table 3,090 and a significance 0,000 < 0,05. Then H3 is accepted. From the coefficient of determination test the value of R square is 0.391. This means that the independent variables of Business Risk and Asset Structure affect the Capital Structure by 39.1% while the remaining 60.9% is influenced by other variables.

The development of the world financial system has led to the increasing importance of the role of professional financial institution management. Financial institutions are institutions that manage financial resources from other parties to be used for more productive activities. Advances in technology, information systems, and market openness at a wider level, for example at the global level, require financial institutions to be more careful in managing their business so as not to fall into losses that can involve many parties. This potential loss can arise from an institution's failure to manage the risks it faces, both financial risk, business risk and systemic risk. Therefore, proper risk management for a financial institution is a must.  

. The purpose of this study was to determine partially the effect of working hours and length of business capital on business income and to determine simultaneously the effect of working hours and business length of business capital on business income. This study uses a quantitative approach, in that the data collected in research activities is presented in the form of numbers and the analysis uses statistics. The number of samples is 70 SMEs in the district of Ngunut. The results of this study indicate that: partially, there is a significant influence of business capital on MSME income in Ngunut District, with a t count = 5.539 > t table = 1.668 and sig = 0.000 <0.05. Partially, there is a significant effect work on MSME income in Ngunut District, with tcount = 2.876 > ttable = 1.668 and sig = 0.004 <0.05. Partially, there is a significant effect between the length of business on MSME income in Ngunut District, with a tcount = 3.514> t table value of 1.668 and sig = 0.001 <0.05. Simultaneously there is a significant effect between business capital, working hours and length of business on MSME income in Ngunut District, with a Fcount value greater than Ftable (29.493> 2.74) and a significance value less than 0.05 (0.000 <0.05).

The background of this research is because at this time the development of broiler ducks is actually not very popular in our ears, but in one of the business options in the livestock sector it turns out to be quite promising with quite large economic potential. The structure of the trade of broiler ducks is now starting to be more in demand by the public, because the taste of the meat is tasty and delicious. The purpose of this study was to find out what efforts were made by breeders in Jigang hamlet to increase household income through broiler duck farming. This study uses qualitative research. Data collection techniques in this study are observation, interview, and documentation methods. The results of the study show that the efforts made by broiler duck breeders to increase their household income are by choosing quality seeds, this is intended to reduce the risk of death, then provide vaccines and vitamins, provide factory feed and alternative feed and pay attention to the condition of the cage after the harvest period. so that the cage is far from the virus and harvest at the age of the ducks 35-45 days. This is an effort that breeders can make to increase their household income. This duck livestock business is a means of making a living to change a more decent life.

The rapid technological developments also have an impact on the financial industry in Indonesia. Financial service providers issue a variety of products to support their business activities and also to serve consumers who use their product services. One of the products they offer to consumers is Fintech. The Fintech innovations offered include Peer to Peer Lending (P2PL), crowdfunding, Payment Gateways, and risk and investment management. From these technological developments, new challenges arise for financial service supervisors and the government to monitor these practices in order to create an environment that is not detrimental between financial service providers and consumers. This study aims to explore the role of existing legal regulations in Indonesia in dealing with technological developments in the financial sector. The research was conducted by means of descriptive analysis and collecting review literature studies to compare and analyze consumer protection in the development of Fintech. The results of this study indicate the need for supervision by financial supervisory institutions in practice to oversee the activities carried out by financial service providers in offering their products to consumers, so that there are no violations that can harm consumers.

The process of recording sales transactions, which currently still uses manuals through books, creates a lot of risks of data errors and data loss. Toko Roti Bakar Pelangi is an MSME business that operates in Semarang and sells more than 100 pieces every day, with the recording of sales done manually causing many sales report calculation errors. So the authors designed a website-based sales information system that can be used to facilitate recording and preparation of sales reports. The development method used is the prototype method. System design uses UML models such as use case diagrams and class diagrams and activity diagrams. The system is built using the PHP programming language and Mysql database, which is analyzed using White Box, Black Box, Hypothesis Testing, Normalization Testing, Validity Testing, Reliability Testing, and Benefit Testing. The result of the system created is a Website-Based Sales Transaction Information System at Roti Bakar Pelangi Semarang Stores. The purpose of the information system is to produce a system that assists in the process of recording reports at Roti Bakar Pelangi Semarang to make it more efficient.

Recording of financial reports is a form of bookkeeping both manually and digitally for all financial activities in every business that is being carried out.  Bookkeeping is the recording of financial transactions carried out during the business. Recording of financial reports is very important for MSME actors.  One of the benefits of recording financial statements through simple bookkeeping for MSMEs is being able to find out the progress of the business or business being run so that they can control the costs incurred in operating the business and can find out the profit or loss earned while the business is running.  The method used in this activity is the counseling method which is contained in socialization activities regarding procedures for recording financial reports through simple bookkeeping for MSMEs.  The result of this activity is to provide new insights and knowledge for MSME actors in the Blitar Village regarding the importance of recording financial reports through simple bookkeeping and the stages in carrying out simple bookkeeping.  After holding this socialization activity, it is hoped that it can provide benefits for MSME actors in the Blitar Village to make financial recording reports so that they can minimize losses in the businesses they run.

Research using this qualitative method has the aim of knowing the application of digitization of accounting in MSME bookkeeping in the Nginden Jangkungan Village, Surabaya, and increasing understanding of the importance of digitalization in MSMEs. The population used in this study were MSMEs in the Nginden Jangkungan Village, Surabaya, and the samples were taken using a random sampling technique. The results of this study indicate that there are still several MSMEs that have not implemented a digital accounting system due to the lack of information they obtain to implement the system. However, several MSMEs have successfully implemented this digital accounting system. The existence of application of digital accounting can improve the performance of MSMEs in the Nginden Jangkungan Village area, Surabaya. The use of this digital accounting system can simplify the process of recording and reporting finances, avoiding the risk of data loss.

Feasibility study is an evaluation of the feasibility of a business that must be handled. A highly planned feasibility study must be able to know the benefits and risks of existing businesses or that will be carried out, knowing financial statements, marketing and promotional strategies, financial aspects, production processes, and sales targets. All business people, one of which is a meatball seller, must be able to provide innovation for their products in order to compete and continue to be in demand by consumers from various groups. Lately, the smashed meatballs with spicy chili business is one of the business ideas that is fairly modern among the public because this business has different concepts and innovation from meatballs that are generally soupy, so that these meatballs are created again into smashed meatballs that are served with rice, spicy chili, fermented soybean, and fresh vegetables. 

Project management is the management used to plan, implement, and control, project activities and minimize risks related to project costs and time. This study aims to analyze project management in the TehGa business. The TehGa business is a business that sells tea bags mixed with premium quality dragon fruit peels. The methodology used by researchers in analyzing this business, namely descriptive qualitative research methods in the form of interviews, observation and quantitative. The results of this study, namely that the TehGa business is quite good at implementing 10 project management so that it helps expedite the flow of production in this business and directs the business on a more effective path in business.

International trade is trade carried out between countries by carrying out export and import activities. International trade is the international exchange of goods and services across international borders. This is usually accompanied by the added risk of changes in exchange rates. The purpose of this analysis is to determine the influence of international trade on Indonesia, where the author uses descriptive research and collects information and analyzes data using secondary data. From this analysis, it can be seen the impact of international trade and its impact on Indonesia

Indonesia, with its long-term economic development plan spanning 20 years, divided into five-year medium-term plans, recognizes the importance of both foreign and domestic investments in driving its economic growth. The country presents opportunities across various sectors, as the increasing income levels can influence Indonesian consumers' interest in imported products and services. However, investing in Indonesia comes with unique risks and challenges, considering the country's dynamic context. To ensure successful investments, it is crucial for investors to understand Indonesian culture and the preferences of local consumers. This understanding can help tailor products and services to suit the local market, thus enhancing the chances of success. Additionally, the Indonesian government has implemented strategies to diversify the economy, focusing on priority sectors that can further stimulate economic growth. Foreign and domestic investments play a vital role in contributing to Indonesia's economic growth. These investments not only infuse capital into the country but also bring in technological advancements, job opportunities, and knowledge transfer. To attract investments, the Indonesian government has been implementing policies to improve the ease of doing business and create a favorable investment climate.

This study uses a financial ratio approach to examine the financial performance of Tri Banyan Tirta Tbk. This research is a quantitative descriptive study that uses financial data from businesses for two years between 2021 and 2022. Liquidity ratios, solvency ratios, profitability ratios, and activity ratios are all included in the financial ratio method. Based on the research results, it can be interpreted that the financial performance of Tri Banyan Tirta Tbk has decreased during the study period. Therefore, it is necessary to make efforts to improve financial performance by implementing effective and efficient business strategies and good risk management. In addition, the company also needs to improve operational performance and efficiency in the use of assets to develop the business in a sustainable manner in the future.

The National Health Insurance Program is the Government's effort to provide guarantees so that health services are provided to Participants in the National Health Insurance Program. In its implementation, there is a risk in the form of fraud committed by unscrupulous persons. The consequence of fraud is the imposition of sanctions which are an important part of every law and regulation. One of the imposition of sanctions for perpetrators of fraud is administrative sanctions. Administrative sanctions that arise do not erase criminal sanctions in accordance with the provisions of the legislation. Administrative sanctions are considered to be far more effective in forcing people to comply with legal provisions governing business and industry and environmental protection than criminal sanctions. With the imposition of these sanctions it is expected to maintain the sustainability of the National Health Insurance Program

Bitcoin and Altcoin are digital currencies (cryptocurrencies) that use blockchain technology, a technology that can monitor, supervise, record, and record every transaction that occurs in digital currency. Bitcoin is decentralized, meaning it is spread everywhere, not centralized and cannot be regulated by authorities or other institutions. In making transactions, it is very necessary to recognize digital currencies such as identity, core business, projects being developed, volume of demand and supply, and other indicators. The need to find out information about coins/crypto tokens before trading, is a very helpful thing for traders because of concerns about coins/tokens that are indicated as scam or rugpull. Coinmarketcap.com and coingecko are data provider sites related to bitcoin and altcoins around the world, which can help find and analyze related information about tokens/cryptocoins to be traded, but do not guarantee accuracy, but can minimize the occurrence of greater losses. Digital currencies provide business opportunities and loopholes to be able to generate profit from every coin/token traded, but on the other hand these assets are risky for traders and investors due to their high volatility which makes market price movements difficult to predict (unpredictable). To be able to overcome this problem it is necessary to manage finances by taking 10% for trading from the main salary earned, dividing which assets are needed for trading and which are for daily / other living needs and self-control well, when is it time to trade, rest, and when to pause. That way it can save other assets when the other asset is experiencing a decline, so it doesn't disturb the main asset.