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Deskripsi adalah bagaimana menjelaskan hal atau banyak hal melalui beberapa tahapan. Penelitian ini bertujuan untuk menjelaskan bagaimana menghitung nilai CAMELS pada perbankan di Indonesia untuk periode tahun 2006-2011. Untuk mengetahui bagaimana menilai suatu perbankan, maka penulis menggunakan analisis Perhitungan Nilai CAMELS sebagai suatu cara untuk mengukur suatu bank yang pada akhirnya memeringkat suatu bank dengan standar yang berlaku di Indonesia. CAMELS sendiri merupakan suatu standar penilaian terhadap suatu bank dengan menilai faktor-faktor seperti permodalan (Capital), kualitas aset (Asset Quality), Manajemen (Management), Rentabilitas (Earnings), Likuiditas (Liquidity), dan Sensitivitas Risiko Pasar (Sensitivity to Market Risk), yang ditunjukkan dengan Indikator Penilaian pada Rasio CAR, KAP 1, KAP 2, Manajemen Risiko, ROA, BOPO, dan LDR. Hasil Analisis Perhitungan Nilai CAMELS pada Perbankan di Indonesia Tahun 2006-2011 berdasarkan Aspek Permodalan, Kualitas Aset, Manajemen, Rentabilitas, Likuiditas, dan Sensitivitas Risiko Pasar menunjukkan bahwa seluruh perbankan di Indonesia telah memenuhi ketentuan Bank Indonesia. Dari hasil Analisis Perhitungan Nilai CAMELS, penulis menemukan bahwa selama tahun 2006-2011 (selama 6 tahun), bahwa kinerja keuangan seluruh perbankan di Indonesia seperti Bank Persero, Bank Umum Swasta Nasional Devisa, Bank Umum Swasta Nasional Non-Devisa, Bank Pembangunan Daerah, Bank Campuran, dan Bank Asing keseluruhannya berada dalam predikat “Sehat”.

This study aims to determine whether there is an influence of factor analysis of the exprential marketing variables, namely the variables sense, feel, think, act, and relate to customer satisfaction in shopping for products in Indomaret Pajjaiang, the sampling method is using a questionnaire. This study uses the Validity Test method. and Reliability Test for Multiple Linear Regression Analysis. Variable simultaneous influencesense(U1), feel(U2)think(U3), act(U4), andRelate(U5)have a significant effect on consumer decisions in shopping for products at Indomaret Pajjaiang.Thiscanbeevidencedfromtheresults of the analysis of the X test Xcount> Xtable (92,231> 2,28) which shows that the influence of the independent variable on the dependent variable in consumer satisfaction shopping for products in Pajjaiang Indomaret is strongly influenced by variables other than research. (sense, feel, think, act, and relate) either partially or simultaneously and positively and significantly effect on the dependent variable, while the most influential variable in consumer shopping decisions is the variable which is the relate that has the highest coefficient of 9,604.

Given the number of   supermarkets (supermarket) which is located in the same area, then by itself would give birth to the fierce competition to seize visitors and buyers. Additionally the competition also came from some retailers in traditional markets and shops are scattered in the same area. Sinar Bone Supermarkets is one of the famous retail among some retail in the city of wiwirano Konawe utara. In the motion of daily operations, Sinar Bone Supermarkets as shopping centers provide a variety of different goods with different types, brands and sizes at varying price levels. Problem formulation, Based on the background outlined above, then the problem is: What is the quality of services that includes Tangible, Realibility, Responsiveness, Assurance, and Empathy effect on customer satisfaction in the Sinar Bone Supermarket wiwirano -konawe Utara .Objective, while the objectives of this research is to determine how much the quality of the services provided by Sinar Bone Supermarket. "Quality of service refers to judgments of customers about the core of this service and the service provider itself or the entire service organization, most people are now beginning to show demand towards service excellence, they are no longer just need a quality product, but they prefer to enjoy the convenience of service " The method used in  this  research is  descriptive quantitative method in  accordance with  the  purpose of  the  research presented in advance outlining the nature of the nature and looking for a systematic description of the facts under investigation From the discussion above results show that the performance of the services provided by the service provider is very influential on consumer satisfaction, the strategy adopted by a Sinar Bone Supermarket wiwirano -konawe Utara , especially in the service sector should be implemented properly. 

In order to address a number of issues, this study attempts to determine the most effective marketing techniques for Lazisnu items, particularly when it comes to social media marketing. Field observation techniques and a qualitative approach with a scientific foundation were used in this study to interpret the occurrences that were observed. The study's findings indicate that the internal and external variables of the research object have an impact on marketing strategy efforts. The existence of Lazisnu, the degree of rivalry among rivals, people's enthusiasm in starting their own businesses, and people's limited saving capacity are examples of external variables. Internal issue factors, on the other hand, prevent marketing strategies from being successful. These include subpar human resource quality, less creative promotional efforts, a lack of infrastructure and funding, and a failure to keep up with digitalization trends in the marketing industry.

Futsal is a soccer game played indoors, this game itself is played by two teams, each team consisting of five people. At this time futsal is very much in demand from various groups ranging from children to adults, so there are many futsal field rental places, especially in the city of Pekanbaru. However, the problem that occurs is that it is still difficult for tenants to find out where there is a futsal field and the nearest futsal field from where the tenant is located, including price information and field facilities. Therefore, we need a system that can make it easier for tenants to find out where there is a futsal field and the nearest futsal field from the tenant's location. This system is made based on Android so that it can make it easier for users to use this system. The method used in making this system is the Haversine method. The results obtained are a marketplace system that can make it easier for users to find out where there is a futsal field, find the nearest field and it is also easy to find out all information related to the field and can make it easier to rent a futsal field through the marketplace system.

The growth rate of internet users in recent years has increased very rapidly and is growing rapidly. This triggers the creation of a new business model in the form of a marketplace that is used to buy and sell goods. This study aims to load an online store that is simple and lightweight but can meet the needs of sellers who use this website. Application development uses methods while the prototype in modeling the application uses use case diagrams, class diagrams, activity diagrams, and sequence diagrams. The research is expected to produce a web-based marketplace application that facilitates the transaction process of consignment providers and consumers at the Indonesian Helmet Shop. Furthermore, the design of this messaging service application prototype still needs to be developed in terms of user interface and user experience so that consumers can be more comfortable in transacting.

Farmers often have difficulty in choosing the pesticides to use. Where pesticide products are very widely circulated in the market and offer various advantages of each product, but farmers often experience incompatibility with what has been offered by each product. The inappropriate use of pesticides on shallots used by farmers can affect the yield of shallots. The WASPAS assessment criteria in the selection of pesticides on shallots consisted of price criteria weighing 40%, size criteria weighing 10%, area criteria weighing 30% and expiration criteria weighing 20%. The results of the recommendation for the selection of pesticides on shallots were obtained from the highest Q_i value. Of all the pesticides on shallot plants above, the highest Q_i value is Agrithane with a Q_i value of 0.897. Agrithane has the highest value because it has the lowest price where the price criterion has the highest percentage weight.

This article discusses the process of rebranding the product photo of Madu Riduwan UMKM in Gebang Putih Village. Product photo rebranding is an important strategy in strengthening brand identity, increasing visual appeal, and achieving marketing success. Through photo analysis prior to rebranding and planning for photo concept selection, Madu Riduwan UMKM managed to produce more attractive, professional product photos and strengthen their brand image. The results of this product photo rebranding are expected to expand market reach, increase brand awareness, and build closer relationships with consumers.

Productive-age unemployment is one of the main challenges in economic development in Baubau City. The lack of access to skills training, limited job market information, and low motivation for entrepreneurship are key factors contributing to the high unemployment rate among the productive-age population. This study aims to map the unemployment conditions in Baubau and implement a counseling and training program to enhance employment readiness and entrepreneurship skills. This study uses a qualitative descriptive approach through surveys, interviews, and Focus Group Discussions (FGD). The counseling program involves multiple stakeholders, including government agencies, businesses, and educational institutions. The results indicate that the program effectively increased participants' understanding of job search strategies, industry-based skills, and entrepreneurial interest. Evaluations show that employment readiness and entrepreneurship skills improved from 40% to 80% after training. With this program, the productive-age population in Baubau is expected to be better prepared for employment challenges and have alternative solutions for economic self-sufficiency. Strengthening collaboration among stakeholders is essential to ensure the sustainability and broader impact of similar programs. 

Micro, Small and Medium Enterprises (MSMEs) are business activities carried out by individuals or groups that aim to prosper individuals and groups. One of the problems faced by MSMEs Dapoer Cesky is a lack of knowledge and understanding of the benefits of branding, they do not have a good entrepreneurial spirit and they have not received training or assistance regarding technical branding strategies. Assistance and development through product re-branding is carried out in several steps, namely surveys and designing logos and supergraphics. It is important for MSMEs players to understand that the branding of a product is the single most important factor to ensure its successful use by the general public or other target markets. This is because according to marketing techniques, branding functions as a means to evoke positive consumer perceptions.

Instagram users who are dominated by teenage users have become even more popular as a place to endorse by influencers. Teenagers who are still not mature enough in shopping are also targeted in making purchase impulsively. This study aims to analyze the impact of Instagram’s influencers on impulsive shopping lifestyle in adolescents in Batam. The research was done by collecting data using questionnaires and was analyzed using SEM and AMOS. The result showed that brand attitude and product attractiveness which were significantly influenced by attractiveness, expertise, and trustworthiness variables had a significant effect on impulsive buying intentions variables. The success of this endorsement is then used as a strategy to increase sales owned by product brands that target their market share in the teenager group.

The rapid development of information technology requires people tobe familiar with the internet. Utilization of marketing and sales applications is not only carried out by large companies, but can also be used by Micro, Small and Medium Enterprises (MSMEs). The community service team conducted observations and interviews with Brem Duta Rasa SMEs in Sumberejo, Kaliabu, Mejayan, Madiun Regency. The team found problems with promotion and sales, therefore it was necessary to provide asolution, namely by using awebsite-based marketing and sales application for MSME products. The activity method of the service team is to provide practical training using applications. The final result of the evaluation shows that 90% of the 10 users of MSME members have theoretical understanding, 95% of application introductions, 80% of practice running applications. In conclusion, all MSME members running the application quite well. Applications can be implemented continuously to increase revenue from Brem Duta Rasa MSME products

Stock investment in the capital market promises two forms of profit, capital gains and dividends. In addition to high profits, stock investments also have a high risk of loss because stocks have a nature high return-high risk. One of the risks posed is the ups and downs of stock prices that occur at any time can cause losses such as capital loss. The purpose of this study was to determine the effect of ROE, DER, and exchange rates on stock prices in BUMN listed on the Indonesia Stock Exchange (IDX) for the 2016-2020 period. The sampling technique is a purposive sampling technique. The sample obtained amounted to 13 companies. The results of the analysis using SmartPLS 3.0 shows that ROE has a positive and significant effect, DER has a negative and significant effect, while the exchange rate has no significant effect on stock prices.

This study aims to find empirical evidence about the effect of accounting knowledge, owner's perception, entrepreneurship orientation, market orientation, performance of micro, small and medium enterprises. This research is a quantitative research using primary data obtained from questionnaires that have been distributed and measured using a likert scale. The population in this study were all owners of micro, small and medium enterprises in North Semarang sub-district with a total of 1683 businesses. The sampling method used in this research is probability sampling. Based on probability sampling method, obtained 95 respondents. Test results from the instrument in this study is valid and reliable. Data analysis techniques used is multiple linear regression analysis using SPSS version 21. The results in this study indicate that accounting knowledge and owner's perception affect the performance of micro, small and medium enterprises, while entrepreneurship orientation and market orientation have no effect on the performance of micro, small and medium enterprises.

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

Digital marketing promotion media is expected to be an effective choice for UMKM in developing its business and reaching national and international markets. Conventional promotional media costs a lot and is far away more complicated by itself and is no longer a major concern for UMKM players because of digital marketing. The purpose of this activity is to help UMKM business actors use social media as a means for them to carry out promotions and so on. Provide an understanding of the importance of digital marketing in the introduction of their products widely. Can be used as a motivation for them to introduce their products widely. In general, the implementation of this community service activity has gone well. I would like to thanks to the cooperation between the committee and the support of various parties. However, there were a number of things to note after the activity took place, namely, the training participants needed continuous assistance after this activity, because there were still many training participants who were unable to design persuasive messages and utilize digital marketing and other media.

One very important aspect in the development of Micro, Small and Medium Enterprises (MSMEs) is the form of granting permits for carrying out business activities, which are given by the authorities to business actors. Legality in a business also has a very important role, because it is used as an indication that the business being established is feasible and running. NIB is a business identity number used by business actors to obtain business permits and commercial or operational permits. The community service activities carried out were creating Business Identification Numbers through Online Single Submission (OSS) and marketing to several small business partners, due to a lack of understanding of gadget applications and a lack of product marketing strategies in Sukamoro Hamlet, Puncu Village. The purpose of this service is to provide understanding to the public about the importance of having business legality and product marketing. The method used is observation. The number of umkm in Sukomoro Hamlet is 11 umkm, and 1 umkm does not yet have an NIB. The UMKM was pleased and succeeded in forming an NIB so that it was able to obtain an NIB legality certificate, namely the "Salsabila" banana chips business. The results obtained from this activity were an increase in product quality and customers for "Salsabila" banana chips.  

Penelitian ini terkait dengan situasi pandemi covid-19 yang melanda Indonesia, membuat UMKM melakukan perubahan cara penjualan. UMKM melakukan upaya dengan metode pemasaran untuk memecahkan masalah. Cara pemasaran harus sesuai dengan kondisi masyarakat yang terkena dampak. Penelitian ini mengkaji penggunaan metode pemasaran offline dan pemasaran online apakah dapat meningkatkan penjualan. Objek penelitian ini adalah responden yang berasal dari konsumen UMKM di toko buah Pak Desaya. Dimana UKM yang bergerak di bidang pemasaran sayur dan buah mengalami penurunan omzet penjualan. Hasil penelitian menunjukkan bahwa pemasaran offline dapat berpengaruh positif terhadap peningkatan omset penjualan. Pemasaran offline menciptakan nilai bagi pelanggannya dan membangun hubungan pelanggan yang baik dan mengambil nilai lebih dari tanggapan pelanggan sebagai imbalannya. Demikian juga pemasaran online berdampak positif terhadap peningkatan omset, karena mampu membangun dan menjaga hubungan dengan pelanggan. Kegiatan penjualan online dapat memfasilitasi pertukaran ide, produk, dan layanan yang dapat memuaskan konsumen

This article describes the definition of quality management and examples of implementing quality management at PT. Wika Manufacturing Industries in the manufacture of GESITS electric motorcycle products, which we divided into five discussion points. The first is a discussion of the quality basis from the consumer's perspective, commonly referred to as the consumer's perspective, and the quality basis from the side, commonly referred to as the producers' perspective. The second is a discussion of the strategic role of Quality Management with the basic concept of determining excellence so that products can compete optimally when marketed. The third is a discussion of an evolution of the quality paradigm from the Technical to the Managerial Paradigm. The four analyses of quality management are trying to be explored according to experts' understanding and discuss Total Quality Management. The fifth is a detailed discussion of examples of the implementation of quality management at PT. Wika Manufacturing Industry in the manufacture of electric motorcycle products GESITS. And at the end of the discussion, we will provide conclusions about the challenges and strategic issues contained in quality management to answer every challenge in the times

This study aims to determine the integration level of Southeast Asian stock market with the world stock market using an international capital asset pricing model. The countries that were sampled in this study were Indonesia, Malaysia, Philippines, Singapore and Thailand. The sample period starts from January 2000 until August 2016. This study uses an partially-segmented international capital asset pricing model by including the assumption of residual that were correlated between asset pricing equations. Because of this assumption, the seemingly unrelated regression (SUR) estimation method is more appropriately compared to the ordinary least square (OLS) method. The results of this study indicate that the integration level of Southeast Asian stock market varies. The Singapore and Thailand stock markets are fully integrated with the world stock market, the Indonesian and Malaysian stock markets are partially integrated with the world stock market, while the Philippine stock market is segmented with the world stock market. This finding shows the difference in the effectiveness of the stock market liberalization process in Southeast Asia