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There are several ways in which humans deal with the risk of disasters and disasters which are (qadha and qadhar) of Allah SWT. However, humans must make efforts to take anticipatory action to minimize the risks that will arise, therefore it is necessary to create or design strategies to manage risks. This strategy is first tasked with identifying the risks faced, after that measuring or determining the magnitude of the risk.

The aim of this publication is to clarify the legal relationship between parties involved in peer-to-peer lending as well as legal protection in the event of default. This research uses a method known as normative legal research or library law research, where secondary data or library materials are used as source material. In addition, this page explains in general the P2P lending model, rules, P2P lending arrangements in Indonesia, and consumer legal protection. Based on this research, it is known that the parties involved in P2P lending have power relations, loan agreements, and cooperation agreements. Depending on the cause of default, the lender or P2P Lending provider may be liable for default risk. Although illegal P2P lending is not subject to OJK regulations, legal P2P lending businesses are regulated by the Financial Services Authority (OJK) and must comply with OJK regulations. Subjective terms are violated by loan agreements signed through illegal P2P Lending, allowing requests for cancellation in court.  

. In the shipbuilding industry, the repair process is a series of jobs that require a relatively short time. Delays in repairs can occur due to weak management and also caused by less than optimal empowerment of human resources. This study aims to identify the risks found in four divisions, namely the Production Division, Warehouse Division, Finance Division and Purchasing Division. The study found 31 risk events. Determining the value of each risk is carried out using the Failure Mode and Effect Analysis method. There were 13 risks that had the highest Risk Priority Number, namely the length of approval for requests for goods (RPN = 522.88), delays in payment processes by customers (RPN = 504.64), requests for additional work from the owner (RPN = 477.128), fluctuations in the number of manpower (RPN = 454.08), Changes in material use related to the availability of materials in the warehouse (RPN = 411.768), Changes in material calculations related to design (RPN = 389.017), Length of decision making by the owner (RPN = 388.36), Long material delivery process (RPN = 388.36), Insufficient stock material (RPN = 357,588), Writing the amount on the Request for Goods Bill is not detailed (RPN = 357.71), Lack of availability of stock material (RPN = 349,524), Making and submitting late payment requests (RPN = 316.8), Placement of materials that are less efficient (RPN = 296.8) Risk mitigation is carried out using the Fault Tree Analysis method to find the main cause / basic event of each risk. And the mitigation step that needs to be done is by making changes to the warehouse layout. If the layout design of the warehouse is changed to be more efficient it will speed up the material retrieval process which has an impact on the ship repair process time.

PBA Surya Alam is one of the industries engaged in the natural stone processing industry (PBA) which has a fairly high risk of work accidents due to the lack of hazard control in the production process for workers. The application of occupational safety and health at PBA Surya Alam has been implemented, but its application has not been maximized, such as in terms of worker awareness in using personal protective equipment (PPE). From 2020 the cutting station experienced 7 work accident cases, in 2021 the cutting station experienced 4 work accident cases, and in 2022 the cutting station experienced 2 work accident cases. The purpose of this study was to determine the potential for work accidents, risk assessment, and efforts to control hazard risks in natural stone production process activities. In addition, this study aims to determine the most dominant risk controls and provide suggestions for controlling work accident factors in the natural stone production process. Therefore, this study uses the HIRARC (Hazard Identification Risk Assessment and Risk Control) method, which is a method for determining potential hazards that occur, knowing risk assessment to determine risk levels and knowing risk controls to reduce the occurrence of work accidents. The results of calculations using the HIRARC and 5W + 1 H methods show that there are 6 cases of potential hazards recorded at PBA Surya Alam with each risk, namely 6 cases of potential hazards with extreme risk, then as many as 8 potential cases hazard with high risk (high risk), as many as 5 cases of potential hazard with high risk. Whereas for the 5 W + 1 H method in the process of cutting Natural Stone from the results of observations and observations in the field making control proposals such as installing SOP signs at Natural Stone production stations so as a reminder when operators are working, safety controls for employees and safety helmets to minimize falling products (PPE), and controlling the use of gloves. 

Flooding is a problem that still requires special attention from a number of parties, including the community and the government. Flooding is not a light matter. Flooding can occur due to rising water levels due to above-average rainfall, temperature changes, levees or dams bursting, or obstruction of water flow elsewhere. The lack of community management and preparedness for disasters is one of the causes of the high impact of post-disaster damage or loss, so disaster mitigation is needed as an effort to reduce disaster risk. The research aims to analyze public knowledge about flood mitigation and preparedness. This study used qualitative research methods with the sampling technique used was simple random sampling. It was found that among several questions in the interview that the author asked about flood management knowledge and preparedness in flood disaster mitigation, all informants responded and acted very well. From the research conducted, all informants expect attention from the government to make improvements to the drainage system again and make new drainage. And the author hopes that the arrangement of residential areas on the banks of the river will be carried out to overcome floods that often hit the Kampung Baru area, Medan Maimun District.  

Financial intelligence is an individual's ability to understand, manage, and optimize the management of personal finances. Financial mathematics is becoming an important tool in developing financial intelligence. In this research using literature study method this method involves the search and collection of information from related literature sources. Through financial mathematics, one can calculate the future value of an investment, estimate the return on an investment, calculate annuity payments, understand the concept of time value of money, and analyze investment risk. The application of financial mathematics in financial intelligence provides an advantage in taking better financial decisions and managing finances effectively. By utilizing financial mathematics, one can improve their understanding of Finance, make effective financial planning, and take better financial decisions.

There is a goal to be achieved in this research, namely to determine the effect of risk management on the financial performance of banks in Indonesia. One of the factors that influence banking financial performance is risk. There is a goal to be achieved in this study, namely to determine the effect of credit risk (NPL) and market risk (NIM) on the financial performance of banks in Indonesia. The sample used in this study is banking financial performance for 3 years which is calculated from 2016 to 2019. In this study the analytical method used is multiple linear regression analysis. The results of the study show that NPL has a negative and significant effect on banking financial performance. Meanwhile, NIM has a significant positive effect on ROA.

In times like today, it is certain that people in their lives will experience an event called risk. This incident is bound to happen to everyone in any way. Therefore, to minimize the negative impact due to these risks, it is necessary to have a solution on the risk side to deal with these risks. Risk is a synonym of the English-speaking Risk Society, which means that in reality in social life there must be a problem or uncertainty that is experienced. In 1986 risk could be described in a structural situation, for example, industrialization, the emergence of the modernization era, and so on. Because basically the era of modernization gave rise to many technologies that are easy to use so that they can affect existing life. According to Anthony Giddens, modernization is a culture of risk. The risk community is a meaning used because something has changed towards something new in people's lives at this time. In addition, the figure who discussed the risk community was Ulrick Beck. He stated that criticism of mathematical morality from expert thinking is that public discourse about risk making is something that can be avoided from the structural conditions of society. Then the figure who also discusses the risk community is Mary Douglas, an anthropologist who discusses cultural theory.

This research has two purpose. First purpose to identify any kind of risk that appeared from bank activity on PT. Bank Lampung KC Bandar Lampung. Second purpose to know appliance of risk management for minimizing Non Performing Loan– NPL on one of their product, Kredit of Bank Lampung. The result of identifying the risk show that the risk which appeared from bank activity PT. Bank Lampung KC Bandar Lampung are credit risk, operational risk, and reputation risk. Credit risk are focus of this research. Risk credit appear on the form No Performing Loan that caused by several factor, that is internal, external, and other factor. To minimiz ecredit risk, PT. Bank Lampung KC Bandar Lampung has applying good risk management and provesuccesfully minimizing Non Performing Loan. The success of PT. Bank Lampung KC Bandar Lampung can be proven from NPL ratio that not exceed Bank Indonesia’s regulation no more than 5% and Bank Lampung Central Office’sregulation, no morethan 3%.

The capital market is an investment vehicle for those who have excess funds. People invest in the capital market with the aim of earning income or return on investment. Investment can be defined as an activity of placing funds in one or more assets during a certain period in the hope of obtaining income and or increasing the value of the investment. The main purpose of the company to invest is the rate of return. The main purpose of investors investing their funds in securities is, among others, to get the maximum rate of return through policies, for example, dividends at a certain risk will get certain results with minimal risk. From the results of the research, it is found that there is a negative influence of Ownership Structure, a positive influence of Dispersion of Ownership, and a negative influence of Capital Structure on the Dividend Policy of Manufacturing Companies Listed on the Indonesia Stock Exchange in 2007-2011.

Stock investment in the capital market promises two forms of profit, capital gains and dividends. In addition to high profits, stock investments also have a high risk of loss because stocks have a nature high return-high risk. One of the risks posed is the ups and downs of stock prices that occur at any time can cause losses such as capital loss. The purpose of this study was to determine the effect of ROE, DER, and exchange rates on stock prices in BUMN listed on the Indonesia Stock Exchange (IDX) for the 2016-2020 period. The sampling technique is a purposive sampling technique. The sample obtained amounted to 13 companies. The results of the analysis using SmartPLS 3.0 shows that ROE has a positive and significant effect, DER has a negative and significant effect, while the exchange rate has no significant effect on stock prices.

This research on profitability aims to examine the effect of firm size on capital structure. The population in this research are tourism, restaurant, and hotel companies listed on the Indonesia Stock Exchange in 2019 - 2020. The sample in this research was selected through purposive sampling, so that a sample of 31 companies was obtained. The statistical test tool uses multiple regression analysis. Capital ctructure in this research was measured using Debt to Equity Ratio, while firm size was measured using total assets. The results show that firm size has negative and insignificant effect on capital structure. The size of the company has no effect on management decisions to manage capital structure, whether management will use accounts payable or use its own capital. The bigger the company, the management will decide to manage using their own capital. There is a possibility that the larger the size of the tourism, restaurant, and hotel companies, management will tend to use capital originating from within the company, especially to reduce risk. This is exacerbated by the COVID-19 pandemic which has caused a sluggish tourism worldwide. Investors may withdraw their money in tourism and divert their funds to other fields that are considered more profitable.