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Based on a statement from the Indonesian E-Commerce Association, the number of MSME members in various markets increased by 3.8 million people in 2020, from 1 million people to 4.8 million people in March 2021. This increase is in line with survey results which show a significant increase significant number of MSMEs in Indonesia in the first quarter of 2020, when the COVID-19 pandemic began. This type of research writing is a type of library research which uses 30 references from 50 journals, where the library sources are taken from Google Scholar. Regarding the approach to this research, it is a qualitative approach and domain data analysis, namely a method of collecting data by understanding and studying theories from various literature related to this research. SME income has decreased in the COVID-19 era, so e-commerce has a positive impact on MSME income. Because e-commerce can expand the reach of the SME market and be able to reach more consumers. Apart from that, e-commerce can also reduce operational and marketing costs, thereby increasing MSME profits.    

Net Profit is the profit obtained after deducting tax. In more detail, this profit is the profit obtained from the difference in income and costs that have been deducted by tax. This research aims to determine the effect of Sales (X1) and Operational Costs (X2) on Net Profit in agricultural sector companies on the Indonesian Stock Exchange. The method used in this research is quantitative using secondary data in the form of annual financial reports of agricultural sector companies for the period 2019 - 2022. The analysis technique used is Panel Data Regression. Based on the research results, it shows that Sales (X1) has a positive influence on Net Profit. Sales are a company that determines the level of net profit of a company and Operational Costs (X2) Operational Costs have a negative effect on Net Profit. Operational costs are the company's ability to increase long-term costs. The level of operational costs can be a factor that has a real influence on the level of net profit that will be obtained.

The assessment rating of bank hlth is expected to evalute the prformance of the banking industry. Because bank healtiness represent good financial condition and good management. Risk-based Bank Rating (RBBR) method is used Bank Indonesia as a standard to appraise the rating of the bank health. This study to find out the sundeness level of bank in terms of the aspects of Risk profille, Good Corporate Govermance (GCG), Earnings, and Capital. This was an deskriptif analysis, with the object study is BPR Supra Artapersada Kc. Cibadak, PT. the data were collected through documentation and date analysis techniquen was an analysis of the soundness of bank using the Risk-Bases Bank Rating approach with an assesment converage including Non Ferforming loand, Loan to Deposit Rating, Good Corporate Governmence, Return on Assets, Operational costs on operating income, and Capital Adequacy Ratio factors. The resulth howed the condition of BPR Supra Artapersada Kc. Cibadak, PT. at “healthy criteria” with Non performing Loand of 1,8%, Loan to Deposit Rating of 85%, Maximum credit limit of 0,083%, Return on Assets of 0,034%, Operational costs on operating income of 0,070%, and Capital Adequacy Ratio of 41%..

The problem that must be overcome by all parties is garbage. Society must take an active role to solve this problem. In an effort to safeguard the environment, the Maju Jaya Waste Bank has a role in sorting and processing waste. Organic waste will become fertilizer. Plastic or non-organic waste will be the raw material for the Paving Blok Prima Lestari Bumi Group. Paving Block Prima Lestari Bumi Group will process plastic waste into paving blocks. However, there are several problems faced. The problem faced by Prima Lestari partner Bumi Paving Blok, such as the lack of supply of raw materials for plastic waste, lack of operational equipment, which causes the production of paving blocks cannot maximize. The level of sales still cannot meet the target per month. Current marketing aspects are carried out by word of mouth and take part in exhibitions carried out by the local government or using social media. For Maju Jaya Garbage Bank, the problem is a large amount of operational costs to sort waste based on the type of waste. This is inversely proportional to income from processed products that are less than optimal. Some of the solutions offered to partners are several parts of training for the sale of goods, procurement of operational goods such as production machinery for paving blocks and machines that can sort waste by type to reduce operating costs.

This research is entitled Analysis of Hajj Fund Management During the Covid 19 Pandemic at the Ministry of Religion in Jambi City. The research method used by researchers is a qualitative approach. The results of this research are: 1) Management of Hajj funds in the Ministry of Religion of Jambi City during the Covid 19 period, including: the Hajj fund manager receives Hajj funds from Jambi Province Hajj pilgrims, then the Hajj fund manager manages the Hajj funds, after that allocates the results of Hajj fund management These are for the various accommodation needs of the congregation. The use of Hajj funds in Kemanag, Jambi City during the Covid 19 period was used in 4 sectors, namely 1) Accommodation for pilgrims, 2) Operational costs for pilgrims and guidance for Hajj pilgrims. 3) Handling and anticipating handling of Covid 19 in the congregation. 4) Sharia investment in the form of Sukuk. 2) There are a number of obstacles faced in managing Hajj funds at the Jambi City Ministry of Religion during Covid 19. The obstacle faced by the Jambi City Ministry of Religion in obtaining Hajj funds is the lack of income from Hajj funds. This could happen because of Covid 19 and decreased congregational interest. Meanwhile, in terms of using Hajj funds, handling Covid for Hajj pilgrims, allocating Hajj Funds, monitoring Hajj Funds and managing Hajj funds, there are no significant obstacles. 3) The Jambi City Ministry of Religion has implemented sharia objectives of financial management in the form of religious protection or hifdz a-din. In a review of Islamic financial management, the use of Hajj funds at the Jambi City Ministry of Religion is able to meet life protection needs. Likewise in the case of hifdz al-aql or protection of reason. The Ministry of Religion of Jambi City is able to fulfill this need for intellectual protection. In terms of hifdz al-maal or protection of assets. The Ministry of Religion of Jambi City is also therefore able to fulfill these asset protection needs. However, in terms of hifdz al-nasl (protection of offspring/family), the Jambi City Ministry of Religion is not yet included in the category of hifdz al-nasl or family protection.

This study aims to analyze the effect of inflation, financing to deposit ratio (FDR), and operational efficiency on return on assets (ROA) in the financial sector. ROA is an important performance indicator for financial companies, because it reflects the level of profitability of the assets owned. The research method used is regression analysis with annual data from various financial companies during the study period. Inflation is measured using the consumer price index (CPI), FDR describes the ratio between loans provided by banks and deposits received from customers, and operational efficiency is measured by the ratio of operating costs to operating income. The results of this study provide useful insights for the management of financial companies in facing challenges from economic and operational factors. To increase ROA, companies need to consider effective inflation risk management strategies and optimize the FDR ratio, while still focusing on improving their operational efficiency.

The role of banking is currently very important in the financial system. A good financial system will have a good effect on banking performance which is projected by the Return On Assets (ROA) ratio. The purpose of this study is to examine and analyze the effect of Non Performing Loans (NPL), Loan to Deposit Ratio (LDR), and Operational Costs and Operating Income (BOPO) on banking profitability. The data used in this study were obtained from financial reports from the Otoritas Jasa Keuangan (OJK) website www.ojk.id for 2019 – 2021. Sampling used the Purposive Sampling method, with a total sample of 26 BPDs and only 24 BPDs that met the following criteria: research sample. Sample data were obtained using Microsoft Excel and SPSS. The analytical method used in this research is multiple linear regression analysis method. The results of the study show that in 2019 – 2021, the NPL ratio has no effect on ROA, LDR has a positive effect on ROA, and BOPO has a negative effect on ROA.