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This research aims to analyze the influence of the Capital Adequacy Ratio and Non-Performing Loans, both partially and simultaneously, on Return on Assets at PT Bank Tabungan Negara Tbk for the 2012-2021 period. This research method uses quantitative methods. The population in this research comes from the financial reports of PT Bank Tabungan Negara Tbk for the period 2012-2021 or for 10 years. The data analysis used includes the classical assumption test, simple linear regression test, multiple linear regression test, coefficient of determination test, partial test and simultaneous test. Data processing uses SPSS 26 software. Based on the t test, it can be seen that the Capital Adequacy Ratio partially influences Return on Assets, this is proven by the results of tcount (3.874) > ttable (2.3060) and the significance level is 0.06. Non-Performing Loans partially have a significant effect on Return on Assets, as evidenced by tcount (5.200) > ttable (2.3060) and a significance level of 0.001. And simultaneously the Capital Adequacy Ratio and Non-Performing Loans have an influence on Return on Assets, this is proven by the Fcount result of 15.980, while the Ftable can be searched for a statistical table of 0.05 and the Ftable is 4.46 (15.980 > 4.46) and the level of significance 0.002. The magnitude of the variable influence value is determined by Adjusted R2 = 0.820 then (KD = R2 x 100% = 0.820 x 100% = 82%).

The establishment of BUMDes basically aims to increase village productivity and ultimately improve the community's economy. The existence of BUMDes in villages, if managed well, can also contribute to a large increase in Village Original Income (PADes), including in Sanur Kaja village. However, the management of village funds for BUMDes in Sanur Kaja village has problems, namely competition between village-owned enterprises and customary-owned enterprises. This research generally aims to create a BUMDes management strategy in Sanur Kaja village so that it does not come into contact with business entities owned by traditional villages. This research use desciptive qualitative approach. Research data was collected using observation, interviews and documentation. From the research, it was found that, technically, the implementation of BUMDes policies in the formation aspect could be implemented well. This can be seen from the process of establishing BUMDes in Sanur Kaja village because administratively it has fulfilled the requirements in the applicable regulations. Factors that support the implementation of BUMDes policies include the size and objectives of the policy, resource support in the form of capital, communication between organizations, social conditions of the community and disposition. The factors that hinder the implementation of BUMDes policies are human resources, the absence of an appropriate strategy, and the character of the implementing agent.

This research is a quantitative research.The short-term goal in this study is to find out whether intellectual capital has a positive effect on productivity, while for the long-term goal is to know how much intellectual capital plays a role in improving company performance.The data used is secondary data from the annual report (annual report).Population in this research is company which go public in Indonesia which is listed in BEI.The samples are companies that go public in Indonesia listed on the Stock Exchange in 2013 until 2015, which includesinfrastructure, utilities and transportation.Sampling is done with purpose sampling.Variable used is independent variable that is intellectual capital and as dependent variable that is productivity.Data analysis using multiple linear regression.The result of this research is that there is negative influence of intellectual capital toward productivity in companies that go public in Indonesia.Keywords: intellectual capital,productivity

This activity aims at empowerment and development of snack business based on local potency. Mitra is a group of Micro small and Medium Enterprises community of Ganesha (KUB Bahtera) Purworejo and culinary group of Angudi Laras Purworejo (KBU Satu Hati). There are 8 participants. Problems faced by partners include: Lack of marketing access, low production capability, low access to capital for funding, Low financial management capability and business accounting administration, Limited human resources marketing and Production. To solve these problems, the program solutions offered are: 1) Increased marketing access, 2) Improvement of product processing techniques, 3) Strengthening of loan access to various funding sources, 3) improvement of financial management and business administration, and 4) Strengthening Partnership. The method used is training and mentoring. The results achieved are: the increasing ability of participants in the field of online marketing, enhancement of capabilities in designing product packaging, increasing sales through the implementation of online marketing, and strengthening the partnership relationship between groups.Keyword: snacks, business groups, online marketing

The Altman Z-Score method is used in this research to determine the level of bankruptcy of PT. Sri Rejeki Isman Tbk from 2013 to 2022. Secondary data used in this research is in the form of company financial reports. In this research the data source was obtained from the financial reports of PT. Sri Rejeki Isman Tbk is listed on the Indonesia Stock Exchange (BEI). The five variables used in the Altman Z-Score method are working capital/total assets (X1), retained earnings/total assets (X2), earnings before interest and taxes/total assets (X3), and sales/total assets (X5). The results of this research indicate that the Altman Z-Score method can be applied to predict the possibility of company bankruptcy. The results of this analysis show that PT. Sri Rejeki Isman Tbk is predicted to experience bankruptcy in 2021-2022. This is indicated by the Z-Score value being below 1.8, which means that financial difficulties are very large and the risk is high. In 2018-2020 the company is predicted to be prone to bankruptcy and is marked with a value of 1.81 < Z-Score < 2.99.

Micro, Small and Medium Enterprises (MSMEs) have an important role in the economy, although their performance is still hampered by various obstacles and lack of capital support. This research analyzes the contribution of MSMEs to exports by considering these factors. There are three main reasons why attention to MSMEs is important. First, MSMEs act as a survival strategy in the midst of an economic downturn. Second, the tendency of MSMEs to absorb a lot of labor makes them the driving force of the local economy. Third, the role of MSMEs in reducing poverty levels and creating equal distribution of income in society.    

Even though MSME business performance has not reached its optimal potential due to various obstacles such as lack of capital support and obstacles in business management, attention to the MSME sector remains important and growing. The three main reasons for supporting the increase in MSMEs are: first, MSMEs act as a survival strategy in times of economic downturn; second, the tendency of MSMEs to absorb labor and intensively utilize local natural resources; third, the role of MSMEs in reducing poverty levels and encouraging income distribution in society.    

This research is based on the obstacles experienced by sanjai owners in Harau District are limited capital, marketing, suppliers who are often stuck or late in coming so that it disrupts the smoothness of the sales process. And also the sanjai problem faced by the sanjai owner himself is the increase in the price of raw materials which causes an increase in sanjai production costs so that it ultimately affects the income of a sanjai cracker entrepreneur.The method of this research is descriptive qualitative. This research is motivated by the decline in sanjai business income during the Covid-19 pandemic. Then also accompanied by an increase in the price of raw materials which resulted in increased production costs so that the selling price also increased. If the seller does not increase the selling price, the business will suffer losses. With the sanjai business, it can improve the community's economy and also open up jobs for people who are not yet working. The way sanjai owners survive in the era of many competitors is to offer lower prices, work with travel drivers and improve service to consumers. The obstacle that sanjai owners also experience is capital. For limited capital, sanjai owners can be assisted by family or seek loans from outside parties.

Violence in the educational environment is a serious problem that affects student well-being and academic achievement as well as interfering with the learning process. This dedication aims to see the potential and implement prevention and rejection strategies in schools. In this increasingly complex world, education is crucial to building a positive personality, knowledge, and attitude towards a variety of social challenges and risky behaviors. We involve students, teachers, parents, and local communities in designing and implementing a variety of relevant and sustainable prevention and prevention activities through collaborative and participatory approaches. To find problems, create solutions, and measure the effect of interventions, surveys and interviews are used. The results of this dedication show that an inclusive, educational, and responsive environment to the needs of students and the surrounding community is crucial. This dedication shows that prevention and rejection integrated into curricula and extracurricular activities can be a key capital in increasing social resilience and reducing the risk of negative behaviour among adolescents. In conclusion, educational institutions, communities, and other stakeholders must work together to build a safe, healthy, resilient environment. The study helps practitioners, policymakers, and researchers design and implement successful and sustainable prevention programmes in educational institutions.

This research aims to determine the influence of Investment Knowledge and Financial Literacy on Investment Interest in the Capital Market with the Development of Digital Technology as a Moderating Variable. The population of this study is students of the Faculty of Economics and Business, Universitas Putra Indonesia "YPTK" Padang. The sampling technique used is Simple Random Sampling with a sample of 100 students. Data collection techniques used a questionnaire and analyzed the data using Multiple Regression Analysis through the SPSS 25 application program. The results of the study indicate that Investment Knowledge and Financial Literacy have a significant effect on Investment Interest in the Capital Market with the Development of Digital Technology moderating the relationship between Investment Knowledge, Financial Literacy, and Investment Interest in the Capital Market. The Contribution of Investment Knowledge and Financial Literacy is 52.8%, and the Contribution of Investment Knowledge, Financial Literacy, and Development of Digital Technology is 54.3%.

The high demand for new houses combined with the large number of marriages has led to an increase in demand for livable houses. The role of BTN as a housing credit (KPR) provider entrusted by the state takes an important role as the main capital in Indonesia. BTNS SETIA BUDI is one of the BTN banks located in the city of Medan, it contains sharia principles, providing the best service to attract mortgage loan customers using sharia principles. Therefore, BTNS Setia Budi must improve its marketing strategy as an important capital to support mortgage financing. The author took the title of this research to determine the effectiveness of BTNS's marketing strategy using SOAR analysis with a qualitative method taking sources of information from existing journals and direct interviews with BTNS Setia Budi staff.      

Community empowerment is aimed at people or groups who are vulnerable and weak so that they have the ability to fulfill basic needs, reach productive sources, and participate in development. Community empowerment is one of the factors that determines the economic development of a region. One of the national development targets is to reduce social disparities in society and increase the rate of economic growth. This research aims to determine the effectiveness of the Community Empowerment Program through Home Industry Businesses. This type of research is field research and is descriptive. Data collection methods include primary data and secondary data. The results of the research explain that efforts to empower the Baubau city community are carried out by disseminating educational activities and training that can increase insight and interest in entrepreneurship. Apart from that, the local government also distributes capital assistance to people who need capital through creative economic activities to carry out development of the MSME sector.

Currently, there are many kinds of financial institutions that provide various products, namely funding, landing and services. Credit is one of the products from lending services that is very popular with customers because of its many benefits. Credit services are usually used by customers for business capital purposes so that they can encourage economic growth in Indonesia. A banking institution is a financial institution that provides loan or credit services. Bank Woori Saudara KPC Banyuwangi is a banking financial institution that provides services with many superior products, one of which is General Pension Credit (KUPEN) which is specifically for Retired Civil Servants. Apart from that, BWS KCP Banyuwangi also offers a Take Over system for loans from other banks to Bank Woori, KCP Banyuwangi. The results of this service and research aim to ensure that the public, especially retired civil servants, know the procedures and completion of the General Pension Credit Take Over (KUPEN) system from other banks to Bank Woori Brother KCP Banyuwangi. The method used in this research is participatory so that data collection uses observation, interviews and documentation methods. Based on the results of community service regarding the procedures for implementing General Pension Credit Take Over (KUPEN) at Bank Woori Saudara KCP Banyuwangi, there are conclusions that can be drawn, including that the part involved in implementing General Pension Credit Take Over (KUPEN) is the Unit Head, Relationship Officer (RO), Back Office (BO), and TASPEN.

Human resources are the most important capital and wealth in every human activity, meaning that a company cannot function properly without human resources. Employees have a role as planners, implementers and supervisors who always play an active role in realizing company goals. The success of a company greatly influences the performance of its employees, because employee performance is a very important starting point for the success of the company. This research aims to determine the effect of work discipline and leadership on employee performance with work motivation as an intervening variable at PT. XYZ This research design uses a quantitative research design. The population and sample size in this study were all 68 employees of PT XYZ. The data source used is primary data in the form of a questionnaire. The measurement scale used is the Likert scale. The data analysis technique used is Partical Least Square (PLS) with SmartPLS 3.2.9 software. The research results show that; work discipline, leadership, and motivation have a positive and significant effect on performance; work discipline and leadership have a positive and significant effect on motivation; and work discipline and leadership have a positive and significant influence on performance which mediates motivation.

This research aims to analyze and test the influence of company size, asset structure and sales growth on capital structure. This research method uses a quantitative type of research. The data used in this research is secondary data in the form of company annual financial reports obtained through the official website of the Indonesia Stock Exchange. The sampling technique used was purposive sampling so that 32 companies were obtained from 84 companies listed on the Indonesia Stock Exchange (BEI) and the number of observations was 128 sample data. Data processing in this research uses Eviews 12 software. The results of this research show that company size has a significant effect on capital structure, asset structure has no significant effect on capital structure, and sales growth has a significant effect on capital structure.

Sumi Lala.202010325238. Portofolio Construction On The Indonesia Stock Exchange (BEI) Using The Markowitz method (Empirical Study Of Kompas 100 period December 2014 – September 2023). Investment development is currently very rapid. Ownership of 2 or more items can called a portofolio.Investments will experience increases and decreases in the portofolio. This research aims to understand the level of  return of portofolios formed through Markowitz and also a comparison between portfolios returm with market capitalization and weighting. The shares in the portfolio are shares listed on the Kompas 100 Index. This research uses end of month data for the period December 2014 to September 2023.The results of this research found that 61 shares included in the portolio did not have a negative weight.the next result of this research is that the market rate of return portolio (IHSG) Significantly influences the rate of return of the portfolio that has been formed based on market capitalization significantly 1% Other macro variables US Dollar exchange rate.Interest rates and oil prices do not significantly affect the rate of return portfolios formed based on Market Capitalization.

aim of this research is to find out the influence of capital, HR performance, the role of government and technology on the development of MSMEs in West Ungaran District. The population used in this research is traders who have MSME businesses whose business locations are in the West Ungaran District area who are domiciled in the Ungaran District area. The population was taken using data from BPS Semarang Regency in 2020, from this population a sample of 278 MSME traders in 2020 was obtained. West Ungaran District. This research method uses quantitative methods. The results of this research are that business capital, human resource performance, the role of government and technology have an important role in the development of MSMEs in West Ungaran District.

There are still many problems with regional autonomy, one of which is fraud and increasing cases of corruption. Fraud in organizations, whether public or private, is usually caused by weak government internal control systems. This research aims to analyze the factors that influence the weaknesses of the provincial government's internal control system in Sumatra in 2017-2021. The type and data used in this research is a quantitative method with secondary data. The results of this research state that the variables Special Allocation Funds, Government Complexity, Original Regional Income, and Capital Expenditures have a significant positive effect on the Weaknesses of the Provincial Government's Internal Control System in Sumatra in 2017-2021. Meanwhile, the Government Size variable has a significant negative effect on the Weaknesses of the Provincial Government's Internal Control System in Sumatra in 2017-2021.

An important component of any research or scientific article is relevant research. The thing that makes individuals less interested in entrepreneurship is because they are not yet aware of their abilities and intentions in carrying out business in realizing their dreams of becoming successful entrepreneurs. The purpose of this research is to examine how perceptions of e-commerce, business capital and the application of accounting information systems influence decision making in entrepreneurship. The findings of this literature study show that perceptions of e-commerce and the use of accounting information systems influence entrepreneurial decisions, business capital has no influence and is not significant on entrepreneurial decisions.

This research aims to determine the factors that influence the income of eyelash extension workers in the Surabaya City Mall. This research uses quantitative methods with questionnaire data collection techniques and observation. The method used is multiple linear regression analysis, determination analysis (R2), and hypothesis testing. This data collection technique was carried out by distributing questionnaires to 40 respondents, namely the income of eyelash extension entrepreneurs in the Surabaya City Mall. The results of this study prove that partially working capital, labor, length of business have a significant effect on the income of eyelash extension entrepreneurs in Surabaya City Mall. Simultaneously working capital, labor, length of business have a significant effect on the income of eyelash extension entrepreneurs in Surabaya City Mall.