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This study aims to determine the comparison of the soundness level of PT.  Bank Central Asia Tbk and PT Bank Mandiri (Persero) Tbk based on Bank Indonesia Regulation (PBI) No.13/1/PBI/2011 concerning Assessment of Commercial Bank Validity Level using RGEC method (Risk Profile, Good Corporate Governance, Eaming and Capital). The period used in his research was 5 years, starting from 2018 to 2022. The type of research used is descriptive research kualitative. The data obtained is in the form of secondary data in the form of annual financial statements of PT. Bank Central Asia Tbk and PT Bank Mandiri (Persero) Tbk.  This study used an assessment method based on the calculation of each variable. Risk Profile assessment uses Non Performing Loan (NPL) and Loan to Deposit Ratio (LDR) ratios. Good Corporate Governance uses the results of Self Assessment of GCG implementation that has been published by PT. Bank Central Asia Tbk and PT Bank Mandiri (Persero) Tbk. Earnings valuation uses the ratio of Return On Asset (ROA) and Operating Expense Against Operating Income (BOPO).. Capital uses the Capital Adequacy Ratio (CAR). The results of research and data analysis using RGEC (Risk Profile, Good Corporate Governance, Earning and Capital) methods can be concluded that PT. Bank Central Asia Tbk and PT Bank Mandiri (Persero) Tbk received a Composite Rating of 1 (PK-1) with the predicate "Very Healthy". This is evidenced by PT Bank Central Asia Tbk obtaining an average composite value of 97.33% and PT Bank Mandiri (Persero) Tbk of 94.00% for the past 5 years. So it is proven that PT Bank Central Asia has a higher performance than PT Bank Mandiri (Persero) Tbk.

Modern society is faced with risks inherent in its life. This risk comes from the technological uncertainty developments, especially in transportation modes. Gojek be a solution to the uncertainty several aspects by conventional transportation modes. This study uses a phenomenological approach, which places phenomena from the actors point of view and uses the risk society theory introduced by Ulrich Beck as an analytical tool. The concept used is reflective modernity and the boomerang effect that drivers and customers face respectively as users of the Gojek application. Informants are Gojek users consisting of customers as well as drivers. This research used interview, observation, and documentation techniques as primary data, while the secondary data used literature study techniques. Based on the results, it was found that several certainty factors were obtained by Gojek customers, including time, convenience, cost and security. This factor is referred to 'reflective modernity', where this factor becomes a reflection on the uncertainty of conventional transportation. However, for the record, security is also a risk if the goods ordered through Gojek are taken away by the driver. On the other hand, Gojek drivers get uncertainty risk factors, such as fictitious orders, and service discrepancies with customer ratings. This condition is referred to 'boomerang effect' where the risk returns to the main actor. As a solution, the company provides a feature to deal with fictitious orders and a rating feature by users.

This study aims to determine the comparison of the soundness level of Central Government-Owned Banks, namely PT Bank Rakyat Indonesia Tbk, PT Bank Negara Indonesia Tbk, PT Bank Mandiri Tbk, and PT Bank Tabungan Negara Tbk based on the Financial Services Authority Regulation Number 4/POJK.03/2016 concerning the Assessment of Commercial Bank Validity Level using the RBBR (Risk-Based Bank Rating) method. The period used in his research is 5 years, starting from 2018 to 2022. This type of research uses qualitative descriptive research. The data taken is secondary data in the form of the annual financial statements of PT. Bank Rakyat Indonesia Tbk, PT Bank Negara Indonesia Tbk, PT Bank Mandiri Tbk, PT Bank Tabungan Negara Tbk for the 2018-2022 period. This study used an assessment method based on the calculation of each variable. Risk Profile assessment uses Non-Performing Loan (NPL) and Loan to Deposit Ratio (LDR) ratios. Good Corporate Governance uses the results of Self Assessment of GCG implementation that has been published by PT Bank Rakyat Indonesia Tbk, PT Bank Negara Indonesia Tbk, PT Bank Mandiri Tbk, PT Bank Tabungan Negara Tbk. Earning assessment uses the ratio of Return On Asset  (ROA) and Net Interest Margin (NIM). Capital uses the Capital Adequacy Ratio (CAR). The results of research and data analysis can be concluded that the bank's soundness level using the RBBR method  (Risk-Based Bank Rating) at PT Bank Rakyat Indonesia Tbk and PT Bank Mandiri Tbk during 2018-2022 obtained a Composite Rating 1 (PK-1) in the "Very Healthy" category. Meanwhile, PT Bank Negara Indonesia Tbk and PT Bank Tabungan Negara Tbk during 2018-2022 obtained Composite Rating 2 (PK-2) in the "Healthy" category.

This study uses a qualitative approach to examine business ethics in the practice of buying and selling wholesale batik negligee at Pasar Johar Semarang. Primary and secondary data obtained through observation, interviews, and documentation. Pasar Johar Semarang is a traditional market which is famous for its lively buying and selling activities. In the practice of buying and selling wholesale, there are patterns that are commonly found, including competition between sellers, stock management, systems for returning or exchanging goods, and special agreements between sellers and buyers. This practice reflects the application of Islamic business ethical values ​​such as fairness, social responsibility, and honesty. The results of the study show that in Pasar Johar Semarang, the principle of mutual benefit is upheld in buying and selling activities. The importance of the principles of fairness and balance in buying and selling is also recognized. Even though there are risks and abuses in the system of returns or khiyar, the practice is still in accordance with the principles of Islamic law. This study provides an in-depth understanding of the practice of buying and selling wholesale batik negligee and the influence of business ethics in transactions conducted at Pasar Johar Semarang.

Information technology (IT) has been used by PT Tirta Investama (AQUA) Pandaan to support its business and operational activities. On a limited basis, this utilization is directly overseen by the Danone Information Systems (DAN'IS) division. All information technology provision and development for all Danone firms is handled by a sizable subsidiary called DAN'TS. On February 1st of this year, it was found that Danone already operates 20 different mineral water businesses throughout Indonesia. So it means that, this type of company is one of the biggest for now. Exchange of information is a natural part of every company activity. Information security is the protection of information technology equipment, both computer and non-computer from all threats and threats from outsiders. This makes information security indirectly guarantee business protection, reduce various risks that occur, and reduce investment returns.

This study aims to see the effect of profitability on stock prices, especially for consumer companies listed on the Indonesia Stock Exchange in 2020-2022. This study uses the method of regression analysis to examine the effect of profitability on stock prices in consumer companies listed on the IDX. The independent variables used include return on assets (X1) and return on equality (X2) with the dependent variable being stock prices (Y). Where the results of this study indicate that ROA has a negative and insignificant effect on stock prices in consumer companies listed on the Indonesia Stock Exchange. Other results show that ROE has a negative and insignificant effect on stock prices in consumer companies listed on the Indonesia Stock Exchange.

This research was conducted to collect information about financial statements from 2021-2022, namely the balance sheet and income statement at PT Duta Pertiwi Nusantara. This study uses a theoretical basis from financial management theory regarding profitability ratio analysis of financial statements, the analytical tools used in this study are Gross Profit Margin, Net Profit Margin, Return on Investment and return on Equity. Based on the results of the analysis, it shows that the Gross Profit Margin of PT Duta Pertiwi Nusantara has decreased from 2021-2022, seen from the Net Profit and Return on Equity Margin during 2021-2022 the results show the same percentage, which has decreased in 2022. Then the Return On Investment achieved during 2021 to 2022 experienced a slight increase in 2022. The results of this study indicate that the profitability ratios in the financial statements of PT Duta Pertiwi Nusantara have not been stable and Based on the problem formulation of this study, namely "How much is the analysis of profitability ratios in the financial statements of PT Duta Pertiwi Nusantara. "How much is the analysis of profitability ratios in the financial statements of PT. Duta Pertiwi Nusantara", it is concluded that the Profitability Ratio has a very large influence on the financial statements of PT. Duta Pertiwi Nusantara because we can understand the company's financial condition.

Overconfidence and Investment Decision are very important instruments for individuals, especially investors in the capital market. Overconfidence is the first step if an individual wants to invest, because every investment instrument carries risks. If they have a confident attitude, they will dare to take risks. Investment decisions are very important in investment instruments. Individuals must be able to analyze portfolios by properly weighing risk and return. Overtrust and investment decisions must be determined by financial literacy, because if financial literacy is low, investors can become entangled in illegal investments. The purpose of this study is to empirically prove the effect of financial literacy on overconfidence and investment decisions. The sampling technique in this study used purposive sampling. Test the quality of the data used, namely test the validity and reliability test, test the model and test the hypothesis using multiple linear regression analysis. The results showed that the financial literacy variable had a positive and significant effect on overconfidence and investment decisions

A phenomenon in Islamic boarding schools which has recently emerged to the surface, raises competition regarding the existence of a group. This group is called LGBT, in terms of sexual behavior that is not in general and is not common in the Islamic boarding school environment which upholds the Islamic religion. Therefore, this study aims to provide views from an Islamic religious, social, and health perspective on the LGBT phenomenon. The research method used is a qualitative descriptive approach with a phenomenological strategy. Research information includes observations of the author, LGBT individuals, in-depth interviews with his fellow students and analysis of documents. The results of the study show that religion views LGBT as deviant behavior that is not in accordance with Islamic religious principles. Many internal factors that influence a person to become LGBT are internal factors that are more dominant. The Islamic religion does not want this behavior by referring to the holy book and hadiths that marriage can only be carried out by a man and a woman, and if it deviates it is a big sin. On the other hand, there are efforts to restrain them from returning to their nature so that true human dignity and dignity are maintained and Islamic harmony with Islamic boarding school education.

Penelitian ini bertujuan untuk mengetahui kinerja keuangan pada Perusahaan yang dinilai dengan analisis rasio keuangan pada perusahaan Perum BULOG. dari tahun 2019 hingga tahun 2021. Data yang diteliti berupa Laporan Keuangan perusahaan Perum BULOG. Perusahaan harus memiliki kinerja keuangan yang sehat dan efisien dalam mendapatkan laba dan meningkatkan atas prestasi yang telah dicapai perusahaan. Metode penelitian yang digunakan untuk menilai kinerja keuangan pada perusahaan Perum BULOG adalah kuantitatif deskriptif dengan analisis rasio keuangan yang meliputi rasio likuiditas, rasio solvabilitas, rasio profibilitas. Hasil penelitian ini bedasarkan rasio likuiditas, rasio solvabilitas, rasio profibilitas yang diproksikan rasio lancar dengan kondisi kinerja keuangan perusahaan cukup baik, pada  rasio cepat dan rasio kas kondisinya kurang baik. Sedangkan pada Rasio Solvabilitas diproksikan pada rasio utang terhadap aset, rasio utang terhadap ekuitas, dan rasio utang terhadap modal tergolong rendah yang berarti Perum BULOG tidak tergantung pada hutang. Selain itu, Rasio profitabilitas yang diproksikan Gross Profit Margin, Net Profit Margin, Return on Assets, dan Return on Equity kondisi keuangan perusahaan mengalami kerugian yang cukup besar di tahun 2019 dan 2020, sedangkan di tahun 2021 kondisi kinerja keuangan perusahaan cukup baik.

Tujuan dari penelitian ini adalah untuk melihat apakah ada pengaruh dari pelatihan pasar modal, return investasi, persepsi risiko, dan literasi keuangan terhadap minat investasi generasi z. Metode yang digunakan dalam penelitian ini adalah metode penelitian kuantitatif. Dengan alat pengumpul data Kuesioner, dengan populasi generasi z pada Universitas 17 Agustus 1945 Surabaya Fakultas Ekonomi dan Bisnis. Hasil dari penelitian ini adalah adanya pengaruh pelatihan pasar modal (X1) terhadap minat investasi generasi z, adanya pengaruh return investasi (X2) terhadap minat investasi genereasi z, tidak ditemukannya pengaruh persepsi risiko (X3) terhadap minat investasi generasi z, dan terdapat pengaruh literasi keuangan (X4) terhadap minat investasi generasi z. Tetapi jika diujikan secara Simultan semua Variabel berpengaruh secara Signifikan.

Penelitian dan analisis ini bertujuan untuk mendapatkan bukti empiris mengenai debt to equity ratio (DER), return on equity (ROE), current ratio (CR), dan net profit margin (NPM) terhadap harga saham. Penelitian ini menggunakan data sekunder yang bersifat kuantitatif. Teknik pengambilan sampel yang digunakan adalah purposive sampling. Metode analisis yang digunakan adalah analisis regresi data panel dengan menggunakan aplikasi eviews versi 12. Penelitian menggunakan laporan keuangan dari 15 perusahaan sub sektor industri perkebunan kelapa sawit tahun 2018-2021 sebagai sampel penelitian. Teknik pengumpulan data menggunakan dokumentasi dan studi literatur. Metode analisis data yang digunakan adalah analisis regresi data panel dengan model Random Effects. Hasil penelitian menunjukkan bahwa debt to equity ratio (DER), return on equity (ROE), dan current ratio (CR) secara parsial berpengaruh signifikan terhadap harga saham. Sedangkan Net Profit Margin (NPM) secara parsial tidak berpengaruh signifikan terhadap harga saham. Dan debt to equity ratio (DER), return on equity (ROE), current ratio (CR) dan net profit margin (NPM) secara simultan berpengaruh signifikan terhadap harga saham.

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.

Credit Guarantee in the Syndicated Bank Credit Agreement is the most important guarantee in the Syndicated Credit Agreement which is the main discussion in this Legal Writing. The method that the author uses in this legal research is normative juridical, where the documents used as guidelines in the preparation are primary legal documents and secondary legal documents. The Credit Guarantee in the Syndicated Credit Agreement that I will use is a credit guarantee with concession rights which includes toll road concession revenues, escrow accounts, and insurance claims. The Credit Guarantee is important to cover or guarantee the Creditors in the Syndicated Bank in the event of a default or bad credit or default from the Debtor. Collateral as regulated in Law number 7 of 1992 concerning Banking as amended by Law number 10 of 1998 concerning Amendments to Law number 7 of 1992 concerning Banking, guarantee is defined as "faith in faith and ability and ability of the customer or debtor to pay off the debt or return the financing as agreed. Credit guarantees (debts) as regulated in article 1131 of the Civil Code are "all objects of the debtor, both movable and immovable, both existing and those that will exist in the future, become dependents for all individual engagements". The credit guarantee that will be discussed in this legal writing is the credit guarantee in the Syndicate Credit Agreement or syndicate loan in the form of concessions. Concession is the granting of rights, permits, or land by the Government, companies, individuals, or other legal entities. The granting of concession rights is generally applied to the development of partnerships between the government and the private sector. Syndicated credit is one of the types of credit, but the difference in Syndicated Loans is related to the number of creditors. In the Syndicated Credit Agreement, the creditor is more than one creditor. The discussion of Syndicated Credit Guarantee that will be discussed in this legal writing is the Credit Guarantee in the Syndicated Credit Agreement between PT. JJP with PT. BNI Bank, PT. Bank Mandiri, PT. Bank BRI and PT. Bank BPD Central Java in terms of the construction of the Semarang Toll Road. The object of the Credit Guarantee in the Syndicated Credit Agreement in the form of Concession Rights which is not a fiduciary or mortgage must be made in the agreement related to the risks that will occur as a result of the syndicated credit agreement, especially on the guarantee so that no party is harmed from the syndicated credit agreement and development can run smoothly. In this regard, the Government should always be innovative towards legal regulations in line with development progress so that they do not become legal problems in the future.  

Hospitalization is a process that requires children to undergo treatment and therapy at the hospital until they return home. The impact of hospitalization that is most often experienced by children is anxiety. Anxiety experienced by children during hospitalization can be overcome by playing therapy. The purpose of this study was to determine the effect of giving playing ball therapy to hospitalized children with anxiety before examining vital signs. This research method is a descriptive study, with a sample of 2 people in the Hospital of Temanggung Regency. The instrument used to measure anxiety levels is the Spence Children's Anxiety Scale (SCAS). Respondents were given play therapy 3 times in 3 days. The results of this study indicate that the anxiety level of hospitalized children decreased from an average score of 36, namely the moderate anxiety category, to an average score of 20, mild anxiety category.    

This literature study aims to review the literature relating to the effect of port facilities and service quality on customer satisfaction. The literature review was carried out by searching for articles published in leading and accredited journals. The results of the literature study show that port facilities and service quality have a significant influence on customer satisfaction. Complete and adequate facilities, such as parking areas, toilets and waiting areas, can increase customer satisfaction because they provide comfort and convenience for customers. In addition, good port service quality, such as service speed, staff friendliness, and punctuality, also contribute positively to customer satisfaction. Previous research has also shown that investment in port facilities and service quality can increase customer satisfaction. Customers who are satisfied with the services provided tend to return to using port services and recommend the port to others. However, there are several other factors that also affect customer satisfaction, such as the price of port services, port security, and ease of access. Therefore, it is important for ports to pay attention to these various factors in increasing customer satisfaction. In conclusion, this literature study shows that port facilities and service quality have a positive effect on customer satisfaction. Ports must pay attention to these factors to increase customer satisfaction and obtain long-term benefits for their business.    

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.  

This research aims to analyze the financial performance of PT. H.M Sampoerna Tbk based on financial ratio data from 2018 to 2022. The study adopts a quantitative approach using a descriptive study method by collecting and analyzing the company's financial data. Liquidity, solvency, and profitability ratios are utilized to measure the financial performance of the company. The findings indicate that there are variations in the company's financial performance during the research period. Nonetheless, the company still records adequate net profit and returns. However, it is crucial for the company to enhance liquidity management, carefully manage debt, and improve operational efficiency to achieve sustainable growth in the future.

This study aims to determine the effect of Return on Equity, leverage, and dividend policy on abnormal return. This type of research is quantitative research using secondary data. Methods of collecting data from this study using the method of documentation. The sample in this study is companies listed on the Indonesia Stock Exchange and LQ45 indexed in 2019-2021. The sample was selected by purposive sampling method and obtanined 28 samples. The test is carried out using multiple linear regression using SPSS 24. The results of this research show that Return on Equity, and leverage has no significant effect on abnormal return. Dividend policy has a significant effect on abnormal return. This study has limited research variabels and research years.

Giro is a modern payment instrument that is currently very widely used in Indonesia because of the ease and security of transactions of buying and selling in a large amount of money. With the Giro masyarakar no longer worry so much money when buying and selling transactions. But because of weak laws governing the Giro, the system of banking that is not good to make Giro much abused in the world trade in Indonesia as ever used for fraud, breach of contract and even being sold paper giro already closed the account but not withdrawn by the Bank concerned, here the Bank's role is very important, but in reality only a Bank Account provider or manager of the Giro and only a block accounts Giro Giro when the Kosong.pengadilan also in deciding the case on the Giro this could happen fault and most of the cases the Giro go to the District Court of the plaintiff's money is not returned and the plaintiffs continue to experience losses. This is what makes Giro is irrelevant used as means of payment in Indonesia.