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In facing global business competition, it is necessary to improve performance and competitiveness not only through products quality and cost efficiency, but also the use of Intellectual Capital, which includes Human Capital, Structure Capital, and Relational Capital. Similar to companies in general, the implementation of Intellectual Capital will also have an impact on MSMEs. The object of this research is the UMKM owned by the Difabel Community in Klaten. The test results show that all Intellectual Capital variables consisting of Human Capital, Structure Capital, and Relational Capital have a significant effect on the performance of MSMEs.

Work engagement is a recent issue in the management of human resources. Work engagement is defined as a positive and satisfying mental state related to work characterized by vigor, dedication, and absorption. The purpose of this study was to analyze the effect of job stress on job involvement through psychological health which is an intervening variable. Sampling in this study using the Slovin formula means 42 respondents. Sampling using incidental sampling combined with snowball sampling techniques. The data analysis used multiple linear regression models, simple linear regression and single test. The results of the hypothesis of work stress have a statistically significant and negative effect on job involvement, psychological well-being has a positive and significant effect on job involvement, job stress has a statistically negative and significant effect on psychological health, job stress has an effect on job involvement through psychological well-being as a variable. intervening.

This study (Case Study Of Transmart Setia Budi Semarang-PT.Trans Retail Indonesia) aims to examine how shopping habits, price reductions, and product displays influence implausible purchasing. The shopping lifestyle, price discounts, product display, and impulse buying are the dependent variables analyzed in this study. In this study, questionnaires were distributed to 76 respondents who had made impulsive purchases in Semarang faithful transmart. This was a purposive sampling method. The validity and reliability tests, classic assumption tests, normality tests, multiple linear regression tests, the feasibility test of a model (F test), the individual parameter significance test (t statistical test), and the terminated coefficient test (R2) were used in this study's data analysis with the assistance of the spss program. The outcomes showed that shopping way of life affected motivation purchasing, cost markdown meaningfully affected drive purchasing, and show items significantly affected drive purchasing.

ABSTRACT This research aims to analyze the effect of auditor concentration, board independence, and audit committee size on the determination of audit fees. Samples were obtained in this research was the IDX BUMN20 (top twenty constituents) contained in the IDX BUMN20 Index Fact Sheet as of December 2019 during the 2015-2019 period. The analysis technique used is descriptive statistical analysis, classical assumption test, multiple linear regression test, and coefficient of determination test. Test results of the independent variable, level of auditor concentration, have a significant positive effect on the determination of audit fees, the independence of the Board of Commissioners has a negative but insignificant effect on the dependent variable on audit fees, and the size of the Audit Committee has a positive but insignificant effect on the dependent variable on audit costs. The result of the determination coefficient is 64.2%, which means that the independent variable affects the dependent variable by 64.2%.  Keywords: Auditor Concentration, Board of Commissioners Independence, Audit Committee Size, Audit Fee

This study aims to test empirically the factors that influence corporate social responsibility disclosure (CSRD). The predictor variables used are Company Size, Profitability, Dept to Equity Ratio (DER) and Net Profit Margin (NPM). The research population is manufacturing companies listed on the IDX from 2017 to 2019, the sampling method used is purposive sampling. Analysis of research data using multiple linear regression and data testing using SPSS-23 software. The research sample according to the sampling criteria is 34 companies, so that the observations are 102 firm years. The results showed that company size, profitability and NPM had a positive effect on corporate social responsibility disclosure (CSRD) and DER had a negative effect on corporate social responsibility disclosure (CSRD). Overall the independent variables used have an influence on CSRD, based on the t test the independent variable affects 33.6% while 66.4 is influenced by other variables not used in this study. The implication of this research is that CSRD can be increased by increasing company size, profitability and NMP and reducing DER.  Keywords: CSRD, Company Size, Profitability, DER and NPM.

Stock investment is one of the most attractive forms of investment for investors. Investors can choose various sectors of companies listed on the Indonesia Stock Exchange (IDX) to place their funds in investing in shares. One of the sectors with high capitalization in recent years is the banking sector, where investors have been attracted to buying banking companies' shares. Even so, investors in investing in stocks must pay attention to the factors associated with the risk of investing in stocks, whether it is a total risk or a systematic risk that cannot be prevented by diversification. The purpose of this study is to empirically examine the effect of firm size, leverage, and profitability on stock risk. The sample used in this study is a banking company listed on the Indonesia Stock Exchange (BEI) and has stock beta data released by Pefindo during 2016-2019. Based on purposive sampling, 23 companies were selected so that the total sample is 92 observations. Hypothesis testing is performed using multiple linear regression analysis of panel data. The test results suggest that company size has a positive effect on systematic risk, but it negatively affects the total risk. Leverage is not associated with systematic risk and total risk.  Keywords: beta, leverage, banking industry, total risk, firm size

Kemampuan Bahasa Inggris siswa-siswa SMK Mandala Bhakti Surakarta harus diperbaiki. Salah satu indikator rendahnya kemampuan Bahasa Inggris para siswa adalah skor English Proficiency Test yang berequivalensi dengan TOEIC rata-rata masih berkisar 200 sementara nilai maksimalnya adalah 990. Pada umumnya, para siswa belum mengetahui strategi dalam mengerjakan English Proficiency Test yang berequivalensi dengan TOEIC yang terdiri dari tujuh bagian yang berbeda yaitu (1) Listening: photos (2) Listening: question and response (3) Listening: short conversation (4) Listening: short talks (5) Grammar: Incomplete sentences (6) Grammar: text completion (7) Reading comprehension. Pelatihan sangat diperlukan oleh para siswa karena TOEIC adalah tes yang sekarang ini banyak dipakai untuk kepentingan bekerja di perusahaan multinasional maupun internasional.       Masalah rendahnya skor English Proficiency Test yang berequivalensi dengan TOEIC para siswa di SMK Mandala Bhakti Surakarta diminimalisir oleh tim dengan cara memberikan pelatihan intensif TOEIC preparation serta memberikan strategi jitu untuk mengerjakan soal-soal TOEIC dengan cepat dan tepat pada para siswa. Sebelum melaksanakan kegiatan, tim terlebih dahulu melakukan studi pendahuluan melalui observasi dan wawancara, baik dengan guru- guru Bahasa Inggris maupun siswa-siswa SMK Mandala Bhakti. Observasi dilakukan dengan cara memberikan pre-test English Proficiency Test yang berequivalensi dengan TOEIC untuk memperoleh data tentang kondisi kemampuan Bahasa Inggris mereka dan langsung menganalisis tingkat kesulitan tertinggi pada rata-rata siswa sehingga tim dapat mengetahui kebutuhan materi yang akan digunakan untuk pelatihan. Tim juga akan melakukan wawancara terhadap guru-guru Bahasa Inggris untuk mengetahui latar belakang secara umum siswa-siswa di SMK Mandala Bhakti dan kondisi kemampuan Bahasa Inggris para siswa. Studi pendahuluan ini dilakukan agar kegiatan pengabdian kepada masyarakat ini dapat memberikan kontribusi pada siswa-siswa SMK Mandala Bhakti dalam meningkatkan pemahaman dan ketrampilan Bahasa Inggris khususnya dalam mengerjakan TOEIC dengan hasil yang optimal. Hasil dari studi pendahuluan digunakan oleh tim untuk menyusun rencana pengajaran, materi, serta metode pembelajaran yang akan digunakan dalam pelatihan TOEIC.       Kegiatan pelatihan berlangsung selama dua bulan dengan intensitas pertemuan satu kali seminggu dalam durasi 100 menit tiap pertemuan. Lama waktu yang dibutuhkan ini terkait dengan pertimbangan agar kegiatan pelatihan tidak mengganggu kegiatan belajar mengajar di sekolah tersebut. Peserta pelatihan berjumlah 100 siswa kelas XI yang terdiri dari siswa program keahlian farmasi dan keperawatan.       Setelah pre-test, pelatihan TOEIC, dan evaluasi berlangsung, diharapkan siswa-siswa SMK Mandala Bhakti khususnya kelas Farmasi XII-2 dan XII-3 dan Keperawatan XII-1 dan XII-2 memiliki kemampuan penguasaan dalam mengerjakan soal-soal English Proficiency Test yang berequivalensi dengan TOEIC yang memadai terutama dalam tiga kemampuan dasar yang dilatihkan yaitu listening, structure, dan reading comprehension. Di samping itu, pelatihan ini juga ditujukan agar siswa-siswa terbiasa dengan tipe-tipe soal English Proficiency Test yang berequivalensi dengan TOEIC dan mengenali strategi cepat untuk menjawabnya dengan cepat dan tepat. Kemampuan ini diharapkan akan menunjang pencapaian tujuan sekolah yang menggunakan hasil tes English Proficiency Test yang berequivalensi dengan TOEIC sebagai sertifikat pendamping ijazah bagi para lulusan sekolah tersebut. Kata Kunci: Pelatihan,TOEIC, strategi, pre-test

Membaca menulis berhitung merupakan kemampuan dasar yang harus dimiliki anak dan sangat penting dalam keberhasilan pendidikan dan perkembangan hidupnya. Jika kemampuan anak terhadap kemmapuan dasar tersebut cukup baik, maka kemampuan literasi sebagai penunjang keberhasilan dalam pendidikan maupun pekerjaan akan mudah tercapai. Namun sistem pendidikan dan capaian pembelajaran di PAUD dan SD sangat berbeda. Hal ini yang menyebabkan perbedaan persepsi antara pendidik dan orang tua dalam memandang pembelajaran calistung pada anak usia dini. Tujuan pengebdian ini adalah untuk memberikan pemahaman tentang karakteristik perkembnagan  anak sesuai usia dan kebutuhannya.  Metode yang digunakn dalam kegiatan ini adalah melakukan analisis awal tentang terkait pemahaman orang tua dalam pendidikan anaknya, melakukan persiapan dan melaksanakan pengabdian dan pendampingan setelah dilakukan sosialisasi dan materi pengabdian. Hasilnya ada peningkatan pemahanan sebesar 50% dari pre test dan post test. Data dikumpulkan berdasarkan tes (pre tes dan posttest), wawancara ,  pengamatan dan dokumen hasil pekembangan anak.

Pengembangan kompetensi profesi guru dalam menunjang kualitas pembelajaran, salah satunya adalah melalui penulisan karya ilmiah yang inovatif dan kreatif, namun masih ada sebagian guru yang belum bisa melakukannya dengan optimal untuk memenuhi standar kompetensinya. Permasalahan tersebut dikarenakan belum terbiasanya guru melakukan kewajiban yang harus dilakukan secara rutin tentang peningkatan kualitas pembelajarannya serta belum adanya tuntutan yang harus dilakukannya, selain terpaksa karena memenuhi kewajiban dalam kenaikan pangkat. Tujuan dalam penulisan ini adalah peningkatan pemahaman guru SMP dan SD dalam melakukan penulisan karya ilmiah, yang berkaitan dengan pengembangan kualitas pembelajarannya melalui gagasan informatif dan kreatif dalam memenuhi kompetensi profesi guru. Metode dalam penulisan jurnal pengabdian masyarakat ini adalah pelatihan, pendampingan, dan diskusi dilakukan oleh semua guru untuk menyusun karya ilmiah dalam bentuk artikel, makalah, laporan, dan pembuatan proposal PTK. Hasil yang dicapai adalah kemajuan (progress) pengabdian ini diukur dari: (1) peningkatan ketrampilan guru dalam memahami penulisan karya ilmiah, (2) manajemen tata cara penulisan, (3) project yang berupa praktif penulisan proposal dan karya ilmiah di akhir pelatihan dengan menerapkan nilai pre-test dan post test yang dilaksanakan pada pertemuan, (4) peningkatan kesadaran menulis, (5) peningkatan peran serta guru, (6) terwujudnya karya ilmiah yang siap dipublikasikan.

Nosocomial infection or also called hospital acquired infections (HAIS) is a hospital-acquired infection that occurs in patients who have been hospitalized for at least 72 hours and the patient shows no symptoms of infection at hospital admission Purpose to analyze the Relationship of Managerial Functions of the Head of Room With the Level of Nurse Compliance in the Control of Nosocomial Infection in Rsu Gmim Pancaran Kasih Manado.Descriptive analytic research method that is cross sectional. The sampling technique in this study used accidental sampling. Data collection was carried out by questionnaire and assisted by Observation. Furthermore, the data collected has been processed using SPSS Version 16.0.Chi-square Test results obtained a significant value of p = 0,000 which indicates that p value is smaller than α 0.05.The conclusion in this study there is a relationship between the Managerial Function of the Head of the Room with the Level of Compliance of Nurses in the Control of Nosocomial Infection in the Inpatient Room at the GMIM General Hospital Pancaran Kasih Manado, indicated by the Chi-square Test Results obtained (p) = 0.000 <0.05. The value of 0,000 is below the Alpha value of 5% (0.05).

Peran edukator perawat membantu pasien dalam meningkatkan kesehatannya melalui pemberian pengetahuan tentang perawatan dan tindakan medis yang diterima sehingga pasien atau keluarga dapat mengetahui pengetahuan yang penting bagi pasien atau keluarga. Tujuan Penelitian ini untuk mengetahui Hubungan Peran Edukator Perawat Dengan Pelaksanaan Discharge Planning diruang rawat Inap Rsud Bitung.Penelitian ini menggunakan metode penelitian Deskriptif Analitik dengan rancangan Cross Sectional. Sampel responden dalam penelitian ini sebanyak 47 orang dengan menggunakan Accidental Sampling. Pengumpulan data menggunakan kuesioner. Di analisa dengan uji Chi-Squere with Fisher’s Exact Test selanjutnya data yang telah terkumpul diolah dengan menggunakan bantuan komputer program SPSS versi 16,0.Dari hasil Uji Chi-Squere with Fisher’s Exact Test menunjukan ada Hubungan Peran Edukator Perawat Dengan Pelaksanaan Discharge Planning diruang rawat Inap Rsud Bitung (p) = 0,003; α = 0,05Kesimpulan dalam penelitian ini terdapat Hubungan Yang signifikan Peran Edukator Perawat Dengan Pelaksanaan Discharge Planning diruang rawat Inap Rsud Bitung. Hasil penelitian ini dapat meningkatkan ilmu pengetahuan secara terus menerus dan memberikan asuhan keperawatan sebagai evaluasi untuk meningkatkan pelayanan keperawatan yang lebih baik dan professional sesuai Standar Prosedur Operasional dalam Peran Edukator dan Discharge Planning.

Pola asuh orang tua menentukan perilaku anak sehari-hari, Pola asuh orang tua menjadi kunci utama anak dalam berperilaku terutama perilaku kenakalan remaja yang mengkonsumsi alkohol. Tujuan : Peneliti menganalisis Hubungan Pola Asuh Orang Tua dengan Masalah Ketergantungan Minuman Alkohol Pada Siswa SMK Nasional Molompar. Penelitian ini menggunakan Deskriptif Kuantitatif  yang bersifat Cross Sectional. Sampel di ambil berdasarkan jumlah responden 46 dengan menggunakantotal sampling Pengumpulan data dilakukan dengan menggunakan kuesioner. Selanjutnya data yang terkumpul di olah dengan menggunakan uji Chi-square dengan hasil  a ≤ 0,05 Hasil Uji Chi-square didapatkan 1 sel yang memiliki nilai frekuensi (Expected count) hitungan yang di harapkan kurang dari 5 maka pembacaan hasil di lanjutkan pada Fisher’S Exact Test di dapatkan nilai p= 0,007 yang berarti lebih kecil dari nilai a ≤ 0,05 dengan demikian maka dapat di katakana bahwa Ho ditolak Ha diterima, artinya terdapat hubungan yang bermakna antara pola asuh orang tua dengan masalah ketergantungan minuman alkohol pada siswa SMK Nasional Molompar. Dalam penelitian ada hubungan yang bermakna antara pola asuh orang tua dengan masalah ketergantungan minuman alkohol pada siswa SMK Nasional Molompar. Saran : Diharapkan agar pola asuh orang tua yang sesuai dalam pembentukan karakteristik remaja.

One of the hard motoric that should be done by toddler is toilet training ability to control their bowel movement and urination. Based on interview report mentioned that children in 3 years old still have difficulties in controlling the bowel movement and urination and instead of it they wear diapers. Diapers wearing in long time and continously become one of barrier for children in performing toilet training. The aims of research to analys the correlation of diapers wearing with toilet training ability toward toddler in Sausu Torono Village. The type of research is quantitaive with analyses design and cross secional approached. Population is parents who have children in toddler age. The total sampling is 50 respondents that determined by slovin formula and taken by purposive sampling technique. Data analysed by chi square test. Diapers wearing as a independent variable and toilet training ability as a dependent variable. The result shown that about 26 children (52%) have diapers wearing routinely and 30 children (60%) have succesful in toilet training. The result of analyses found P value = 0,008 (P<0,05) and could be concluded that have correlation of diapers wearing with toilet training ability toward toddler in Sausu Torono Village, Sausu Subdistrict, Parigi Moutong Regency.

This study aimed to improve the learning outcomes of class VIII E students of SMP Negeri 1 Kemalang in the 2018 2019 academic year using the Guided Inquiry learning model. This research was a class action research consisting of 2 cycles. Each cycle consists of planning. observation and reflection.  Data were taken from students who were the subject of research. The technique of collecting data using observations, written tests and documentation.  The data analysis technique used comparative descriptive.  The results showed that study stated at the first cycle of student activity were 67% and learning completeness was 73%.  In cycle II, student activity was 80 %.  Already met the performance indicators ?75% of students achieved high activity criteria (? 75%).  Classical completeness increased by 87%, it has met the performance indicator, namely ? 85%. So it can be concluded that the guided inquiry learning model can improve student learning outcomes.  Keywords: learning activities, learning outcomes, guided inquiry

The aim of this research was to develop a practical guide based on guided inquiry on the interaction material of living things. This type of research was Research and Development with the ADDIE development model (Analyze, Design, Development, Implement and Evaluation). Practicum guides were validated by 2 media experts and 2 material experts. The research was carried out until a small scale test with the research subjects were 5 grade students of MTs Darul Amin Palangkaraya. The results of the study were a practical guide with 3 topics whose activities were designed according to the guided inquiry learning model. The practicum guide developed was declared feasible by material and media experts with a very valid category. Based on small-scale trials, the practicality value was produced with a percentage of 83.00% which was categorized as very good. These results showed that the practicum guide was declared valid and practical after a small-scale trial was carried out. The practicum guide still needs to be refined for further trials on a large scale

Study This goal is to ascertain how return on investment affects the share price of PT Astra International. Time frame for the study: this covers the years 2013–2018. population studied This is a mining company that is listed on IDX. Purposive sampling is used in the election sample. In the years 2008 to 2010, there were up to 31 firms miningyang listed on the IDX. utilized data analysis Simple regression analytical techniques are used to test the hypothesis.According to a results study, the results mark significance of 0.935 acquired by results processing statistics is larger than the criteria significance (0.05). The regression model is therefore not significant. Therefore, the linearity criterion is satisfied by linear regression. The R2 result is 0.002 which indicates that the variability variable dependent may be described by the variability variable independent by 0.2% while the remaining 99.8% is explained by other factors not included in the regression model.

Fever itself is a condition in which the body temperature is experiencing an increase in heat above the normal temperature. Fever can be treated pharmacologically and non-pharmacologically in various ways, one of which is by using water tepid sponge therapy. This study aims to determine the effectiveness of giving water tepid sponge to pre-school age children who have fever at the Bhakti Wira Tamtama Army Hospital Semarang. The design of this study used Quasy experimental pre-post test equivalent control group. The number of samples is 20 respondents with the total sampling method. The results showed that there was an effect of water tepid sponge on decreasing body temperature in children aged 36-60 months who had fever with p value 0.000, an average decrease of 1.50C. The recommendation of this study is that the provision of a water tepid sponge can be used as an independent nursing intervention in reducing the body temperature of preschool-aged children who have fever.

Old age is a final stage in the span of human life. Health problems that are often found in the elderly, one of which is psychological disorders, namely anxiety, depression, readiness. These psychological disorders usually cause the emergence of sleep disorders, namely insomnia. Insomnia has an impact on physical effects, namely fatigue and muscle pain. The combination of progressive relaxation techniques and keroncong music is a non-pharmacological therapy given to clients by tensing certain muscles and then relaxing chili sauce accompanied by keroncong music. The purpose of this study was to determine the effect of a combination of progressive relaxation therapy and keroncong music on insomnia in the elderly at the Setya Manunggal III Posyandu, Semarang Regency. This type of research is a quasi-experimental approach with a one group pre-post-test design without control approach. The population of the study was the active elderly who were registered at the Setya Manunggal III Posyandu Lansia as many as 33 elderly. The research sample was determined by purposive sampling by taking into account certain criteria, namely: 1) the elderly who were registered at the Setyamanunggal III Posyandu, 2) aged 60-74 years. 3) Does not experience limitations or paralysis of limbs 4) Likes keroncong music. The exclusion criteria set included: 1) Elderly people with dementia 2) Elderly people who received medication to help sleep/anti-depressants/sedatives 3) Elderly people with total hearing loss. Insomnia measuring instrument using the KSBPJ Questionnaire. The results showed that there was an effect of Combination of Progressive Relaxation Therapy and Keroncong Music on insomnia in the elderly with a t value of 16,142 > t table.

ABSTRAKPerilaku seseorang dalam memutuskan untuk memilih produk dalam pembiayaan multijasa di setiap lembaga keuangan pasti dipengaruhi oleh rasionalitas ekonomi yakni bagi hasil, fasilitas, pelayanan, kemudahan, kenyamanan dan keamanan transaksi. Karena sebagai indentitas dan juga sebagai langkah untuk menarik nasabah yang pada pencapaiannya yaiu kepercayaan nasabah. Rumusan masalah penelitian ini adalah (1) Apakah proses pemberian pembiayaan dapat berpengaruh terhadap kepercayaan nasabah pembiayaan multijasa pada PT. Bank Pembiayaan Rakyat Syariah Fajar Sejahtera Bali? (2) Apakah preferensi dapat berpengaruh terhadap kepercayaan nasabah pembiayaan multijasa? (3) Apakah proses pemberian pembiayaan dan preferensi dapat berpengaruhterhadap kepercayaan nasabah pembiayaan multijasa? Tujuan penelitian ini adalah untuk mengetahui (1) pengaruh proses pemberian pembiayaan terhadap kepercayaan nasabah pembiayaan multijasa (2) pengaruh preferensi terhadap kepercayaan nasabah pembiayaan multijasa (3) pengaruh proses pemberian pembiayaan dan preferensi terhadap kepercayaan nasabah pembiayaan multijasa. Metode penelitian ini adalah pendekatan kuantitatif deskriptifdengan sumber data yang digunakan berupa data primer dan sekunder. Populasi penelitian yaitu, nasabah pembiayaan multijasa PT. Bank Pembiayaan Rakyat Syariah (BPRS) Fajar Sejahtera Bali dengan teknik pengumpulan data melalui angket/kuesioner dan dokumentasi. Teknik analisis data yang digunakan adalah ujiregresi linier berganda, uji parsial, uji simultan dan uji determinan dengan menggunakan SPSS (Statistical Package For Social Seince) versi 24. Berdasarkan hasil perhitungan uji regresi linier berganda dengan persamaan Y = 5,719 + 0.134X1 + 0,634X2 + e hasil koefisien korelasi secara terpisah diperoleh X1 5C sebesar 0,134 dengan nilai signifikan 0,037 < 0,05 sedangkan variabel X2 preferensi sebesar 0,634 dengan nilai signifikan 0,000 < 0,05 dengan secara simultan 30,761 dengan signifikan 0,00 besarnya nilai koefisien determinasi tersebut menunjukan adanya pengaruh antara 5C dan preferensi terhadap kepercayaan nasabah pembiayaan multijasa di PT. Bank Pembiayaan Rakyat Syariah (BPRS) Fajar Sejahtera Bali baik secara parsial atau terpisah maupun secara simultan.   ABSTRACTA person's behavior in deciding to choose a product for multi-service financing at any financial institution is definitely influenced by economic rationality, namely profit sharing, facilities, services, convenience, convenience and security of transactions. Because as an identity and also as a step to attract customers whose achievements are customer trust. The formulation of the research problems are (1) whether the process of providing financing can affect the trust of multi-service financing customers in PT. Fajar Sejahtera Bali Sharia People's Financing Bank? (2) Can preferences affect customer trust in multi-service financing? (3) Can the process of providing financing and preferences affect customer trust in multi-service financing? The purpose of this study was to determine (1) theeffect of the process of providing financing on customer trust in multi-service financing (2) the effect of preference on customer trust in multi-service financing (3) the effect of the process of providing financing and preferences on customer trust in multi-service financing. This research method is a descriptive quantitative approach with data sources used in the form of primary and secondary data. The study population, namely, multi-service financing customers of PT. Sharia People's Financing Bank (BPRS) Fajar Sejahtera Bali with data collection techniques through questionnaires / questionnaires and documentation. The data analysis technique used is multiple linear regression test, partial test, simultaneous test and determinant test using SPSS (Statistical Package for SocialSeince) version 24. Based on the results of the calculation of multiple linear regression with the equation Y = 5.719 + 0.134X1 + 0.634X2 + e, the results of the correlation coefficient are separately obtained by X1 5C of 0.134 with a significant value of 0.037 <0.05 while the variable X2 preference is 0.634 with a significant value of 0.000 <0 , 05 with 30.761 simultaneously with a significant 0.00 of the value of the coefficient of determination shows the influence between 5C and preferences on customer trust in multi-service financing in PT. Sharia People's Financing Bank (BPRS) Fajar Sejahtera Bali either partially or separately or simultaneously.

Technological developments encourage changes in the way decisions are made. In terms of stopping the application of urea fertilizer, farmers still rely on BWD observations. In this study, using the RnD method by directly observing the research location in the farmer group Gapoktan, in the village of Tosari, Kendan district and analyzing the problem then making a prototype which will be tested by experts. In this study, a tool was made using NodeMCU with TCS3200 sensor to detect color, which was then sent via the internet to the database using IoT technology. In this study, using several trials with different parameters of urea fertilizer use and the results of the TCS3200 sensor can detect colors according to what is on the BWD and send data to the database via the internet. In this system, farmers can recommend the use of suitable urea fertilizers outside a certain area so as to minimize errors in the observation on BWD, this will make the use of urea fertilizer to be the right dose.