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The purpose of this research is to ascertain how poverty affects Surabaya's ability to develop economically. In this research, the degree of poverty, economic development, inflation, and unemployment in Surabaya are covered. The data used in this research are quantitative, or provided as numbers, making them first simpler to understand or compare. The data analysis approach in this research involves multiple linear regression to gather data and information, while SPSS22 is used to analyse the data. By employing software to verify the statistical significance of variables, data analysis was completed. The author additionally makes use of secondary data, data collection methods, and the documentation method while gathering and processing information from Surabaya City's Central Statistics Agency (BPS).  

The purpose of this study was to see whether there was any influence from capital market training, investment returns, risk perceptions, and financial literacy on the z generation's investment interest. The method used in this research is a quantitative research method. With a questionnaire data collection tool, with a population of generation z at the University of 17 August 1945 Surabaya Faculty of Economics and Business. The results of this study are that there is an effect of capital market training (X1) on the z generation's investment interest, there is an effect of investment return (X2) on the z generation's investment interest, no effect of risk perception (X3) is found on the z generation's investment interest, and there is an influence of literacy finance (X4) to investment interest in generation z. But if tested Simultaneously all Variables have a Significant effect.

This study aims to find out the students of UIN SMH Banten in Islamic Banks. Questionnaires were distributed to 32 FEBI students at UIN SMH Banten, Serang City. The collected data were analyzed using descriptive and inferential statistics.  Based on the data obtained, it is known that the variables of bank reputation and beliefs influence the interest in saving for UIN SMH Banten students in Islamic banks. The purpose of this study is to analyze the interest of FEBI students at UIN SMH Banten in saving at Islamic banks. This research is quantitative descriptive research using primary data. The variables used in this study consist of bank reputation and trust as independent variables and interest in saving students as the dependent variable. The data collection method uses by providing questionnaires. The method used in this research is descriptive analysis.The results of the study show that the difference between men and interest in savings in Islamic banks is significantly different.

This study aims to determine and analyze consumer attitude as a moderation variable on the effect of consumer motivation and consumer trust on property purchasing decisions. This study uses primary data by distributing questionnaires to respondents, namely the owner of Green Taman Asri housing complex. Sampling is done using the NonProbability Sampling method and the sampling technique using sensus Sampling. The analysis in this study used a moderation regression analasis test. The results of this study indicate that consumer motivation consumer trust have a positive and significant effect on purchasing decision. Meanwhile consumer attitude has a positive as a moderating variable has a significant positive effect on the effect of consumer motivation and consumer trust on property purchasing decisions, with a coefficient of determination (Adjusted R Square) of 0.799 which means that together independent variables explain the purchase decision by 79.9%, while the remaining 20.1% is influenced by other variables

This study aims to find out the students of UIN SMH Banten in Islamic Banks. Questionnaires were distributed to 32 FEBI students at UIN SMH Banten, Serang City. The collected data were analyzed using descriptive and inferential statistics.  Based on the data obtained, it is known that the variables of bank reputation and beliefs influence the interest in saving for UIN SMH Banten students in Islamic banks. The purpose of this study is to analyze the interest of FEBI students at UIN SMH Banten in saving at Islamic banks. This research is quantitative descriptive research using primary data. The variables used in this study consist of bank reputation and trust as independent variables and interest in saving students as the dependent variable. The data collection method uses by providing questionnaires. The method used in this research is descriptive analysis.The results of the study show that the difference between men and interest in savings in Islamic banks is significantly different.    

The study aims to determine the effect of employee engagement and job satisfaction on employee performance population and civil registration service in Toraja. The object of this research is population and civil registration service in Toraja. This study uses a quantitative approach with multiple linear regression analysis,to test and prove the research hypothesis using the SPSS version 22 application. The population in this study is government employees population and civil registration service in Toraja as many as 44 respondents. Research shows that Employee Engagement and Job Satisfaction together have a positive and significant effect on performance. By testing the coefficient of determination, a value of 0,433 is obtained, which means 43,3%. Performance variables can be explained by the variables Employee Engagement and Job Satisfaction while the remaining 56,7% is explained by other variables.

The quality of health services is a level that shows the perfection of health services that can create a sense of satisfaction in each patient. So if there is dissatisfaction with the patient, it is something that needs to be considered. This study aims to determine the effect of the quality of hospital administration services on patient satisfaction in the outpatient installation unit of lasinrang Hospital, pinrang Province. This study uses an analytical observational design based on cross-sectional, quantitative analysis. The population in this study was 10444 patients. The sampling technique used accidental sampling, with a sample of 100 samples. The instrument in this study is a questionnaire, and the data analysis used is simple linear regression.In this study, all indicators of service quality (Tangible, Reliability, Responsiveness, Assurance, Empathy) together have a positive influence on the service quality of hospital administration staff on patient satisfaction in the outpatient installation unit of Lasinrang Hospital, Pinrang Province. There are two service quality indicator variables that have the most dominant influence on the quality of hospital administration staff service on patient satisfaction in the outpatientinstallation unit of Lasinrang Hospital, Pinrang Province, which include the Assurance indicator 48.6% and Tangible 24.3% and (R2) of (0.636) shows that 63.6% of patient satisfaction variables can be explained by the quality of service of hospital administrative staff, while the remaining 36.4% is explained by other variables not included in this research model. So it can be concluded that the better the quality of service, the more satisfied patients will be and will continue to return to get service from time to time because good service can provide satisfaction to patients according to their needs and desires.  

The study aims to examine 1) The effect of Information asymmetry on earning management, 2) The Effect of bonus compensation on earning management, 3) The leverage effects on earning management of the manufacturing companies that were anlisted in BEI. The independent variables applied are information asymmetry, leverage and bonus. The methodology used multiple linear regression analysis and purposive sampling which comprising the whole number of 162 sample in 2008-2016. The research findings indicated that between the listed variables, information asymmetry and leverage hold positive impacts on profit management of long term discreationary accrual, but did not hold any on short term discretionary accrual. Meanwhile bonus hold positive impacts on profits management of short term discretionary accrual but did not hold any on long term discretionary accrual.

The millennial generation connects with massive technological advances and the gigantic use of the internet, this condition requires millennial to make financial decisions quickly and accurately within one click/swab. Without financial literacy, technological advances that bring ease of shopping, ease of using credit cards and pay later will create a consumptive, burdensome debt, unlikely to afford unexpected expense and excessive use of credit cards. This study aims to examine whether financial literacy affects financial behavior of millenial generation with grit as a moderating variable. Using 137 sample of millennials in Semarang, the SPSS 25 analysis was conducted to test hypothesis.  Significant relationship not only found between financial literacy and financial behavior of the millennial generation in Semarang. Furthermore, the findings of this study confirms that grit moderates the relationship between financial literacy and financial behavior.

The aims of this study are to analyze the effect of competence of human resources, internal control, use of technology and community participation on village fund accountability. The Kota Intan village community sees a lack of transparency from the village government, causing a sense of community apathy, that the authority for village development is the task of the village government. The population of this study consisted of village heads, village secretaries, BPD, section heads, heads of affairs, and heads of sub-villages and the criteria of research sample worked for at least 1 year with a minimum education of high school or equivalent. There was 83 respondents from 5 villages. The results of this study show that the competence of human resources had a positive but not significant effect on village fund accountability, there was a negative but not significant internal control effect on village fund accountability, there was a positive and significant influence on the use of technology on village fund accountability, and there was a positive but not significant effect community participation variable on accountability of village funds. The result of this study are expected to contribute to development of village fund accountability. While the urgency of this study relate information for the district government and the community so they know the principles of village fund accountability.   Keywords: Village Fund, human resource competency, internal control, community participation, accountability.  

This study aims to analyze the role of competitive advantage as a variable moderating innovation capability and entrepreneurial marketing on the marketing performance of food and beverage SMEs in Central Java. Problems caused by declining MSME marketing performance around the Covid-19 pandemic. This study was conducted using a quantitative research approach and analyzed using SmartPLS 3. The population of this study is the SMEs in the catering industry in Central Java Province, including a total of 100 SMEs, and the sample is determined by simple random sampling. The results of the analysis show that innovation capability, entrepreneurial marketing, and competitive advantage have positive and significant effects on marketing performance. Competitive Advantage

Ciherang Village is one of the villages in Banjarsari District, Ciamis Regency that implements an information technology-based financial management system, namely Siskeudes. The Siskeudes application itself is a tool intended for the Village Government in Village Financial Management starting from the planning, implementation, administration, reporting, and accountability stages in a computerized manner. The purpose of using this Siskeudes application system is to improve the quality of accountability in village financial management. This is in accordance with what is stated in the law regarding financial management which contains various activities starting from planning, implementation, administration, reporting, and accountability. This type of research is an explanatory survey. The selection of this method is based on the consideration that this method not only explains or describes empirical facts in the field, but will also explain the analysis of influence. The method is a research method that highlights the relationship or influence between research variables by testing previously formulated hypotheses. The location of the research is in Ciherang Village, Banjarsari District, Ciamis Regency. The population of this study is village officials who are members of the village government headed by a village head using census techniques. Based on the description of the research results and discussions that have been carried out, the researcher can conclude that the financial management system in the Ciherang Village Government is considered quite good. This can be seen from the implementation of management that is in accordance with existing regulations, although it still needs to be improved, especially in terms of community participation and discipline applied to village officials in the Ciherang Village Government.    

This study aims to analyze patient satisfaction at Rajawali Citra Hospital, Bantul. This study uses the variables of service quality and physical facilities as independent variables to analyze their effect on patient satisfaction as the dependent variable. Respondents in this study were patients who visited the Rajawali Citra Hospital, Bantul, with a sampling technique using this technique Random Sampling namely as many as 104 samples. The data analysis technique in this study used multiple linear regression analysis which was processed using the SPSS 17.0 program. The results showed that there was a positive and significant influence of service quality and physical facilities partially or simultaneously on patient satisfaction at Rajawali Citra Hospital, Bantul. Services that are fast, precise and supported by officers who are reliable in providing services and the ability to provide reliable explanations as well as physical facilities in hospitals that are complete, clean, well-maintained and safe can give satisfaction to patients. Keywords: Service Quality, Physical Facilities, Patient Satisfaction

This study aims to pinpoint the variables that affect how people make financial decisions in the future. Future financial decisions, saving choices, and trust in banking institutions are the three variables we use in this study. 197 junior high school teachers from the Bandung region participated in the study. Multivariate Regression is the analytical approach used, and it can be used to assess the influence of independent variables on dependent variables. The results demonstrate a strong positive relationship between current saving decision variables and future financial decision variables. Similar to this, varying levels of trust in financial organisations have a lot of favourable effects. These findings imply that people have a greater propensity to save when they are motivated to do so. People who have confidence in financial institutions will manage their money prudently going forward.    

The purpose of this study was to determine the effect of Ease of Use, Customer Satisfaction, and User Experience on Customer Loyalty for Buddhi Dharma University students who are registered for the 2022 period either simultaneously or partially. The sample in this study was 105 students enrolled at Buddhi Dharma University for the 2022 period. The method used was mixed methods. This research is a research step by combining two forms of research that have existed before, namely qualitative research and quantitative research. The results of the R - Square test give a test value of 0.505 for the variable Firm Value which can be concluded that the variable Ease of Use, Customer Satisfaction, and Experience Users are simultaneously able to explain the variable Customer Loyalty of 50.50%. This shows that the ease of using the e-wallet application, the level of satisfaction with the application features provided and the ability to create an experience using the application can substantially affect Customer Loyalty. While the rest is influenced by other factors outside of this study such as promos, obligation and or responsibility to pay bills, the need for pulses and or quotas, and some others. Testing the variable Ease of Use with Customer Loyalty is not significant with a T-statistic of 0.907 (<1.9828), so the research hypothesis of Ease of Use with Customer Loyalty is rejected. Testing the variable Customer Satisfaction with Customer Loyalty is significant with a T-statistic of 2.905 (> 1.9828), so the research hypothesis of Customer Satisfaction on Customer Loyalty is accepted. Testing the variable User Experience with Customer Loyalty is significant with a T-statistic of 3.072 (> 1.9828), so the research hypothesis of User Experience on Customer Loyalty is accepted.    

This study aims to analyze the influence of servicescape and menu variations on purchasing decisions at Aroma Resto and Coffee Padang. This type of research is a causal associative survey method with quantitative data. The population of this study was consumers who visited Aroma Resto and Coffee Padang with a sample of 110 people, using techniques purposive sampling. The research instrument used questionnaires (questionnaires) arranged according to Likert scale. The data was analyzed using SPSS version 23.00 and the results of the analysis were presented in tabular form. The result of the study was servicescape (X1) on Aroma Resto and Coffee Padang in a good category with a percentage of 64%. Menu variation (X1) in Aroma Resto and Coffee Padang in good category with a percentage of 57.3%. The purchase decision (Y) on Aroma Resto and Coffee Padang is in a good category with a percentage of 62.7%. Multiple linear regression tests with T tests on servicescape variables and menu variations affect purchasing decision variables at Aroma Resto and Coffee Padang. The F test value of servicescape variables (X1) and menu variations (X2) affect simultaneously purchasing decisions at Aroma Resto and Coffee Padang. The Adj. R square value of 0.512 means that servicescape variables and menu variations have an effect of 51.2% on purchasing decisions at Aroma Resto and Coffee Padang and 48.8% are influenced by other variables.

There are many facilities provided by airport organizers to support passenger comfort. In this case, in particular, are the facilities provided to make it easier for passengers to get to and from the plane to the arrival terminal. The use of garbarata plays an important role in services with the aim of providing comfort and satisfaction for passengers, so that passengers do not need to get off the runway and walk far from the plane to the arrival terminal or from the departure terminal to the plane. This study aims to determine whether there is an effect of the use of garbarata and how much influence it has on passenger satisfaction at Depati Amir Pangkal Pinang Airport. The population of this study was 16,727 respondents with 100 samples and data processing using SPSS (Statistical Program for Social Science). This study uses a quantitative approach based on statistical information, the reason researchers use a quantitative approach in this study is because the data that is the object of this study is the processing result of filling out the questionnaire. The results of the research that has been discussed, we can conclude that the sig value of Garbarata Facilities (X) on Passenger Satisfaction (Y) is 0.000 <0.05 so it can be concluded that Ho is rejected, then there is a significant influence between one variable of garbarata facilities (X) on passenger satisfaction variable (Y). Garbarata Facility variable contributes 0.703 or 70.3% to passenger satisfaction and the remaining 29.7% is influenced by other factors.

The purpose of this study is to investigate the effects of inflation, the number of taxpayers, and a tax audit on income tax receipts. The factors utilized in this study are Duty Review, Number of Citizens and Expansion as Autonomous Factors and Annual Expense Receipts as Reliant Factors. All Individual and Corporate Income Tax Receipts, registered Individual and Entity Taxpayers, the number of SKPKBs issued at KPP Pratama Cibitung, and the amount of inflation published monthly by the Central Bureau of Statistics (BPS) of Bekasi Regency in 2017, 2018, 2019, 2020, and 2021 (time series data of 60 months) comprise the population of this study. The saturated sampling method was used for the study's sample, which included the entire population. This sort of exploration utilizes illustrative examination which expects to make sense of the easygoing connection between the factors that impact speculation testing. Using the SPSS version 23 program, multiple regression analysis was used as the analytical method. According to the findings of this study, the Variable of Tax Audit has an effect on Income Tax Receipts, the Variable of Number of Taxpayers has an effect on Income Tax Receipts, and the Variable of Inflation has an effect on Income Tax Receipts.

In the world of banking in Indonesia, Islamic banking is a type of activity based on sharia principles that is free from usury. Unlike conventional banks which use interest in collecting and channeling funds, Islamic banks use financing as a contract. In conventional and Islamic banking there are differences in terms of banking operations. Therefore, this study aims to analyze the effect of knowledge, reference groups, and consumer motivation on customers' reasons for saving at Bank Syariah Indonesia, South Jakarta. The approach used in this research is a quantitative approach. The quantitative approach aims to determine the magnitude of the analyzed variables. The results of the study show that the knowledge variable and the consumer motivation variable do not have a significant influence on a person's decision to save at Bank Syariah Indonesia. Meanwhile, the reference group variable has a significant influence on a person's decision to save at Bank Syariah Indonesia, so that simultaneously high and low knowledge, reference group, and motivation if simultaneously have an influence on customers to save at Bank Syariah Indonesia.

This study aims to determine work flexibility and employee commitment to employee turnover of PT. Tri Jaya Tunggal Makassar. The research method used is a statistical analysis method using SPSS 21 (Statistical Program For Social Science). The data used is in the form of quantitative data, the data obtained is in the form of a questionnaire method, namely by distributing questions (questionnaires) that have been compiled and refer to the variables studied in PT. Tri Jaya Tunggal Makassar. The results showed that the independent variables, namely work flexibility (X1) and employee commitment (X2) had no influence on the dependent variable, namely employee turnover. From the results of the work flexibility reliability test (X1) with a value of 0.621 > 0.60 and for the employee commitment variable (X2) with a value of 0.788 > 0.60 while for the employee turnover variable (Y) 0.891 > 0.60, the three variables are reliable or consistent if measured repeatedly.