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This research aims to examine the influence of fintech payments, financial socialization and financial experience on financial management behavior. This research uses quantitative descriptive methods. The population in this study were active students at Muhammadiyah University of Sidoarjo, totaling 12,730 students and used a purposive sampling technique. The sample was determined using the Slovin formula and a sample of 99 respondents was obtained. The research data source is primary data. The analysis technique uses Partial Last Square with Smart PLS 3.0. The research results show that fintech payment, financial experience and financial socialization partially have a significant effect on financial management behavior.

The rapid growth of the online marketplace has created competition between marketplaces in Indonesia. The emergence of various new marketplaces that are growing now allows consumers to move from one platform to another. This challenge must be faced by marketplaces in maintaining consumer loyalty. The purpose of this study was to determine the effect of e-service quality, e-trust and e-WOM on Lazada e-customer loyalty. This research is a descriptive research using quantitative methods. The population of this study is users of the Lazada marketplace in Sidoarjo. Sampling using non-probability sampling techniques with purposive sampling techniques with a total sample of 96 people. Data analysis technique using Partial Least Square using Smart-PLS 3.0 program.   The results of this study indicate that e-service quality, e-trust and e-wom partially affect e- loyalty.

Abstract The objectives of this study were to identify the social strata/layers of the fish farming community in Samarinda City and to determine the strategy for aquaculture development in Samarinda City. Respondents in this study were selected using purposive sampling with a total of 26 respondents from fish farmers and 5 staff of the Fisheries Service. Data were analyzed using descriptive qualitative and quantitative and SWOT analysis. The results of the study found that there are two social stratifications in the cultivation community in Samarinda City, namely middlemen/collecting traders and owner fish farmers. Positions as middlemen/collecting traders and fish farmers are status roles that are obtained because they are fought for through their own choices or efforts (achieved status). The top social layer is occupied by middlemen or collecting traders by looking at the level of wealth owned (ownership of vehicles, living conditions and ownership of luxury goods). The strategy that can be carried out for the development of aquaculture in Samarinda City is an aggressive strategy, namely optimizing technology and infrastructure to support the marketing of aquaculture products.

This study aims to find out how much expected return and optimal portfolio risk and the best model between the Markowitz model and the single index model in forming optimal portfolios in banking sub-sector companies for the 2018-2022 period. This type of research includes applied quantitative descriptive. The research data uses secondary data in the form of stock closing prices, JCI and monthly BIC interest rates. The survey population is 29 companies. Data analysis uses the Markowitz model and single index model. The results showed that the stocks that make up the optimal portfolio with the Markowitz model are 12 company stocks that provide an expected return of 1.41%, an absolute risk of 4.48%, and a relative risk of 318.96%. While the single index model consists of 10 company stocks that provide an expected return of 4.65%, an absolute risk of 10.21%, and a relative risk of 219.68%. The research results are expected to contribute to investors, that the single index model is better than the Markowitz model.

This research aims to explain the influence of financial report transparency and accountability on the level of donor trust in the Yarhima Orphanage. This research method is quantitative research. The population of this study was 44 regular donors and 9 orphan guardian donors with a total of 53 donors and the sample in this study was 53 donors using a census sample. The data source in this research is primary data using a questionnaire with a Likert scale. The statistical tool used to test the hypothesis is regression with the help of the SPSS application. The results of the analysis show that the variables of transparency and accountability have a significant effect on the level of donor trust.

Differences in Results Regarding Legal Protection for Consumers When Carrying Out Online Buying and Selling Transactions. Identify legal protection for customers during e-commerce transactions based on UUPK. 2. Identify legal protection for customers during UUITE e-commerce transactions. This research was conducted to determine the legal aspects of legal protection for consumers when carrying out online buying and selling transactions. Normative juridical research methodology, also known as library research. Both UUPK and UUITE have not been fully implemented to regulate electronic buying and selling transactions. Many consumers still do not receive their rights when they become victims of errors in online buying and selling transactions. The main factors that make it difficult for consumers to obtain legal protection from relevant authorities are also influenced by a lack of socialization and consumer understanding. With current technological advances, it is hoped that businesses, consumers and related bodies will be more aware of better legal protection for all parties.

This research is an implementation activity of the independent curriculum using outdoor learning to increase student literacy. Outdoor learning is learning that is carried out outside the classroom. One of the activities carried out in this learning is word relay, creative wall art, learning tours, word puzzles and many more. The learning carried out aims to hone students' abilities in the field of literacy and increase students' enthusiasm and enthusiasm for learning. The research method used was a mixture/combination. Data collection was carried out using a written test before and after outdoor learning was carried out. This activity was carried out during the Class 6 Teaching Campus assignment period.

Floods are disasters that often occur in Indonesia. Disasters caused by hydrometeorological factors always increase every year. Even though sometimes it doesn't cause many casualties, this disaster still damages infrastructure and significantly disrupts the economic stability of the community. The characteristics of floods are very diverse, floods can be caused by high rainfall without adequate soil absorption or can occur in the form of flash irrigation failures. South Kalimantan is a city known as the "City of a Thousand Rivers", which of course cannot be separated from flooding situations every rainy season. One of them is quite common in urban areas, especially the city of Banjarbaru. The dense population and the presence of rivers sometimes cause flooding, especially if the intensity of rainfall lasts long enough. Likewise, what often happens in the Kemuning Banjarbaru sub-district, floods that often come suddenly have become a normal activity for local residents. Without hesitation, there were even (9) RTs that were affected by the flash flood. Even though they are used to facing floods, especially when the rainy season arrives, residents are still advised to always be alert.

This study aims to determine the effect between the variables Brand Image (X) and Price (X2) on Consumer Purchase Interest (Y) at MDA Collection. This type of research is quantitative research which is used to test the relationship of a variable to other variables which emphasizes its analysis on numbers processed by statistical methods. The data collection techniques used are primary data and secondary data. Sample selection using saturated sampling method, the number of samples in the study obtained 40 respondents at MDA Collection. Data analysis using the Statistical Program for Social Science (SPSS). The analysis techniques used are validity and reliability tests, classical assumption tests, multiple linear analysis tests and hypothesis testing. Based on the results of this study, it shows that partially the Brand Image variable (X1) has a significant effect on Consumer Purchase Interest (Y). Partially Price (X2) has a significant effect on Consumer Purchase Interest (Y). Simultaneously Brand Image (X1) and Price (X2) affect Consumer Purchase Interest (Y).

One common household waste often encountered and rarely processed is used cooking oil. Used cooking oil is the residual oil from frying that has been repeatedly used. The common practice of reusing or improperly disposing of it by the community is considered hazardous as it has the potential to poison the body and pollute the environment. One effort to utilize used cooking oil is by recycling the waste into raw materials for making aromatherapy candles and essential oil scented soaps. This purpose activity is empower the community of Nglebak to utilize household waste and transform it into economic materials. This activity is carried out through research methods, material presentation, processing practice, and discussion. The research results on aromatherapy candles indicate that a formulation of used cooking oil and coconut wax at a ratio of 2:1 can produce ecofriendly aromatherapy candles with an ideal appearance and duration. The research results on soap indicate that stirring for 30 minutes with a volume of 60 mL of KOH (Potassium Hydroxide) is the ideal formulation for making essential oil scented soaps as it yields the most with a pH that complies with SNI No. 40-4058-1996

The aim of this research is to determine the management of the development of the beautiful Pine Beach tourist attraction in attracting tourists. This research uses a qualitative research method with a descriptive approach and data collection techniques through observations, interviews with informants and documentation. The discussion regarding governance at the Cemara Indah Beach tourist attraction is the result of facts and data in the field. Adapted to the theory that researchers use, namely from the Department of Tourism and Creative Economy of the Republic of Indonesia, which in this theory provides components in managing the tourism sector, where tourism governance is a process of planning, organizing, supervising and evaluating tourism activities. carried out by the government and related stakeholders to achieve sustainable tourism goals. From the research results, it can be concluded that the management and development of the Cemara Indah Beach tourist attraction in Gosong Telaga Selatan Village involves various aspects including organization, planning, implementation, supervision and evaluation. The management, especially the management, shows commitment in carrying out their duties by focusing on management efficiency, collaboration with various related parties, and a deep understanding of visitor needs.

In the midst of the rapid flow of globalization, there is one sector that continues to follow the flow, namely the economic sector. Economic development that expands into a global scale is directly under the development of digital technology which directly impacts changes in business implementation, the company's ability to improve the quality of performance, and encourage company performance in innovating in business, the method used by the author is descriptive with qualitative techniques.

This community service program aims to empower productive economic businesses for poor communities in Mranggen District. Through various activities, this program focuses on identifying problems faced by economically disadvantaged community groups. The approach implemented includes training, guidance and mentoring in order to develop entrepreneurial skills, as well as identifying relevant business opportunities in the region. Apart from that, this program also seeks to improve existing business management so that it is more efficient and has a positive impact on increasing family income. With this approach, this community service program aims to make a real contribution to reducing poverty levels and improving the welfare of the community in Mranggen District, as well as encouraging sustainable economic development in the region.

This research aims to analyze and find out the Poultry Shop Business Development Strategy at the Garuda Poultry Shop, Payakumbuh City. This research uses a qualitative descriptive approach, namely data analysis that is explanatory and data information that is linked to theories and concepts using primary data sources and secondary data. The data collection techniques used in this research were interviews, observation, library research and documentation. The data analysis techniques used are data reduction, data display, and SWOT analysis. The results of this research show that the Garuda PS store is located in quadrant I. Quadrant I is a favorable situation because of opportunities and strengths. The results of the SWOT matrix analysis show that the right strategy for the Garuda PS Store is the SO strategy. The SO strategy is, Maintaining good service, maintaining tested product quality and complementing the products sold. Strategy implementation and obstacles to strategy implementation, namely 1) Checking the product is carried out. The obstacle in implementing this implementation is that product checking is only done manually. 2) Providing the best service to customers, the obstacle in starting this is service costs which always increase. 3) Complementing the products sold with other products. The obstacle in implementing this strategy is the large number of items that are stockpiled. This research contributes to finding out the right development strategy for the development of the Garuda PS Store.

This research is motivated by the fact that Income and Knowledge are among the factors influencing Investment Interest, yet most traders have a relatively stable income from their trading businesses. The objective of this research is to determine and analyze the simultaneous and partial influence of income and knowledge on investment interest in the sharia capital market among wholesale traders in the Aur Market blocks A, B, and C in the city of Bukittinggi. This study is a field research using a descriptive quantitative method. The population in this study consists of 868 traders, and a sample of 90 traders is drawn to serve as respondents using a sampling method. The selection of traders is done randomly in the wholesale area of Aur Market blocks A, B, and C. Based on the data processing and analysis conducted, the result of the simple linear regression equation Y = 11,750 + 0.026 X1 + 0.449 X2 is obtained. It can be stated that Income (X1) has a positive but not significant influence, while Knowledge (X2) has a positive and significant influence on investment interest (Y) among wholesale traders in Aur Market blocks A, B, and C in the city of Bukittinggi. The result of the income value  0,202 <   , meaning  is accepted and is rejected, the knowledge value  5,241 > , meaning  is rejected and  is accepted. Simultaneously, the result of the income and knowledge  15,885 > , meaning  is rejected and is accepted. The coefficient of determination ( ) result is 0.267 or 26.7%, which means that 26.7% of the investment interest is influenced by income and knowledge, while the remaining 73.3% is influenced by other variables not examined in this study. The theoretical independent variables are lifestyle, personality, and promotion.

This research aims to determine the effect of rewards and job descriptions on the performance of PT employees. Sharia Pawnshop Ginte Market Branch. The population in this study was 30 employees, consisting of 20 permanent employees and 10 contract employees at PT. Sharia Pawnshop Ginte Market Branch. The sample in this study was 30 employees of PT. Sharia Pegadaian Pasar Ginte Branch uses a saturated sampling technique so that the entire population is used as a sample in this research. Data collection techniques use observation, questionnaires and literature study, data analysis techniques use multiple linear regression. The research results show that partially and simultaneously rewards and job descriptions have a significant effect on the performance of PT employees. Sharia Pawnshop Ginte Market Branch.

This research was conducted with the aim of determining the influence of work discipline and work experience on the performance of SPBE PT employees. Mitra Buana Energi Raya. The method used in this research is a survey method using data obtained directly through questionnaires distributed to 45 respondents who are employees of SPBE PT. Mitra Buana Energi Raya. The technique used in this research is multiple regression analysis. Based on research results, it is known that work discipline and work experience simultaneously have a significant effect on the performance of SPBE PT employees. Mitra Buana Energi Raya. Work Discipline partially has a significant effect on the Performance of SPBE PT Employees. Mitra Buana Energi Raya. Work experience partially has a significant effect on the performance of SPBE PT employees. Mitra Buana Energi Raya.

The English language training carried out at the educational tourism Subak TeBA Majalangu aims to improve the English language skills of tour guides so they can communicate with foreign tourists. Tour guides are given English language training according to their field with the material provided totaling 4 discussion topics. On each topic, there are 2 training sessions, namely theory and practice in the field. There are 3 stages in this training, namely the preparation stage, socialization, and training implementation. The training was carried out over 8 meetings. At the socialization stage, participants are given an initial test to determine the participant's competency. Furthermore, at the end of the training implementation stage, participants are again given a test to determine the results of the training participants' English language skills. The results obtained from implementing English language training for tour guides at the educational tourism Subak TeBA Majalangu in Kesiman Kertalangu Village, Denpasar were very satisfying. Training participants get an increase in grades that were previously lacking, after the training they get good grades. For the sustainability of this program, the community service team hopes to be able to provide other training in developing human resources at TeBA Majalangu

This article discusses the role of Customs Tanjungpinang in the empowerment of Micro, Small and medium enterprises (MSMEs), especially in the city of Tanjungpinang. MSMEs can have a significant impact on increasing economic growth, especially in Tanjungpinang City. The purpose of this study is to determine that Customs is very active in improving the economy by empowering SMEs in the city of Tanjungpinang. The data collection method used in this article is a qualitative approach method. The result of this article is how the role of Customs empowers Micro, Small and medium enterprises (MSMEs) which greatly impacts the increase in economic growth.

The aim of this research is to examine the influence of job satisfaction and psychological capital on organizational commitment at PT. BPR Sukawati Pancasakti Bali. The number of samples used in this research was 60 respondents which was determined using the Slovin formula. The data analysis methods used are validity and reliability tests, classical assumption tests, and multiple linear regression tests. The results of the research show that partially and/or simultaneously job satisfaction and psychological capital have a significant effect on organizational commitment at PT. BPR Sukawati Pancasakti Bali.