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Financing is the main function and product of Islamic banking, namely the distribution of funds aimed at helping those in need, and if managed properly, can contribute significantly to Islamic banking income. However, in their distribution, funds carry many risks due to the uncertain and diverse nature of humans. This risk is reflected in the existence of loans that face problems that reduce the profits or profitability of Islamic banks. The purpose of this study is to explain the effect of Financing, Non-Performing Financing (NPF) and Financing to Deposit Ratio (FDR) on the profitability (ROA) of Bank Kaltimtara Syariah By including Financing, Non-Performing Financing (NPF) and Financing to Deposit Ratio (FDR) as the independent variable and profitability (ROA) as the dependent variable. This is a quantitative research with multiple linear regression analysis techniques. The population or research theme is the annual report of Bank Kaltimtara Syariah. A total of 9 samples were taken from the Bank Kaltimtara Syariah Quarterly Financial Report for the 2016-2018 period. Based on the test results, it is known that tcount = - 1.4 98 < t table = 1.8 3 3 Financing and NonPerforming Financing (NPF) both have no significant positive effect on Return On Assets (ROA). While the Financing to deposit Ratio (FDR) regression shows a significant influence on Profitability (ROA). The amount of tcount is 1.859 > ttable 1.833

One form of progress in the current financial sector is evidenced by the adaptation of Fintech, which stands for sharia P2PL Financial Technology. Financial institutions in carrying out their activities cannot be avoided what is called risk. That's why to gain profit and customer trust, financial institutions are required to have good risk management, especially fintech companies that offer convenience and efficiency in transactions, so they will be very vulnerable to various types of risks in the financing process that can affect the sustainability of the fintech itself. fintech companies, before channeling financing to potential recipients of funds, also need to be able to pay attention to various risks that may arise, both predictable and not, and also have techniques for mitigating risks from all possibilities that may occur in the future, so there is a need for strategic steps and ways to minimize existing risks. This type of research is empirical and uses a qualitative approach with secondary data source. From the explanation, it can be said that PT ALAMI Sharia has carried out Sharia fintech P2PL transactions that are following existing economic principles starting from the identification of potential recipients of funds, analysis carried out by PT ALAMI and risk mitigation carried out by PT ALAMI Syariah.

Fatigue is a problem that needs attention. All types of work both formal and informal cause fatiguehWork. Fatiguehwork will reduce performance and increase work errors. Fishermen are one of the marine communities that need to receive government attention in the health sector, namely fishermen, because fishermen's work is dangerous to health. The purpose of this study was to describe work fatigue in fishermen in Waisarisa Village, Kairatu Barat District, West Seram Regency. The type of research used is descriptive research. with a total sample of 20 respondents. By way of sampling, namely Total Sampling. The data that has been collected is then tabulated in a table according to the variable to be measured. Data analysis was carried out through the stages of editing, coding, tabulation and statistical testing. The statistical test used was univariate. The results showed that 12 people (60%) had a work attitude that was considered the most at risk, and 35% had work fatigue. It was concluded that what can be described in this study shows that work attitudesrespondentor fisherman is best described with a heavy risk attitude. And in the most fatigue described there are respondents who experience a lot of fatigue at work.

The health of a company is assessed from the capital adequacy ratio known as the Capital Adequacy Ratio. The Capital Adequacy Ratio serves as a reservoir for the risk of loss that may be faced by the bank. Capital Adequacy Ratio as a ratio that describes the ability of banks to provide funds as reserves in preventing the risk of losses experienced by banks. This ratio is useful for knowing whether a bank has very good, good, fairly good, poor, or bad health which will be very useful for policy makers. This study aims to examine in more detail the effect of the ROA, ROE, FDR, and BOPO variables on the CAR or Capital Adequency Ratio of PT Bank Muamalat Indonesia in 2017 to 2021. The analysis of this study uses a time series using the E-views 12 program and shows the results The research shows that together the ROA, ROE, FDR, and BOPO variables have a positive effect on the profitability of PT Bank Muamalat Indonesia while the variable that has a partially positive significant influence is the ROA variable while other variables such as ROE, FDR, and BOPO have no effect on CAR. or the Capital Adequacy Ratio of PT Bank Muamalat Indonesia.

The purpose of this study was to determine the effect of corporate social responsibility, capital structure, enterprise risk management and firm size on firm value in various industrial sector companies listed on the Indonesia Stock Exchange. The research time period used is 5 years, namely the 2017-2021 period. The population of this study includes all companies listed on the Indonesia Stock Exchange for the period 2017-2021. The sampling technique used purposive sampling technique. Based on the predetermined criteria obtained 12 companies. The type of data used is secondary data obtained from the Indonesia Stock Exchange website. The analytical method used is panel data regression analysis using the eviews 10 data processing program. The results showed that corporate social responsibility, enterprise risk management and firm size had an effect on firm value, while capital structure had no effect on firm value.    

The purpose of this research is to examine the effect of Managerial Ownership, Debt Convenant and Litigation Risk on Accounting Conservatism. The population in this study consisted of manufacturing companies, the consumer goods industry sub-sector which were listed on the Indonesia Stock Exchange in 2015-2018. A sample of 12 companies used in this study was found by purposive sampling method. The data used is secondary data. Data analysis was performed with descriptive statistics using panel data regression analysis techniques. The empirical results of this study indicate that independent Debt Convenant does not have a statistically significant effect on Accounting Conservatism while Managerial Ownership and Litigation Risk have a significant negative effect on Accounting Conservatism. The results show that managerial ownership has a significant positive effect on Accounting Conservatism, and Litigation Risk has a significant positive effect on Accounting Conservatism, debt agreements do not have a significant effect on Accounting Conservatism, and managerial ownership, litigation risk together have an effect on Accounting Conservatism.  

Women who use hormonal birth control have a 2.990 times greater risk of developing breast cancer than those who do not use hormonal contraceptives. The purpose of this study was to determine the risk factors for the use of hormonal contraception for the incidence of breast cancer. The type of research used is an analytical survey using a case control design. A sample of 88 respondents. The sampling technique was carried out by accidental sampling. The primary data in this study were obtained directly by interviewing respondents who had breast cancer. Secondary data was obtained from the medical records of Bhayangkara Makassar Hospital. Univariate analysis in this study was analyzed using frequency distribution tables and the percentages of each variable studied. Bivariate analysis After conducting univariate analysis, it was followed by bivariate analysis of the two variables that were suspected to be related or correlated, and then the data were analyzed. which shows that the distribution based on the length of use of hormonal contraception in the case group > 2 years is lower (65.9%) than in the control group (72.7%). occurrence of breast cancer. Society should be more cooperative in choosing the right contraception and avoid using contraception which can have a negative impact on health  

The aim of the study was to find out the description of the knowledge of mothers about premature rupture of membranes at RSIA Artha Mahinrus Medan in 2022.Background: One of the causes of high maternal morbidity and mortality is caused by premature rupture of membranes. Premature rupture of membranes is the rupture of the membranes before there are signs of labor and wait one hour before the start of labor. The incidence of premature rupture of membranes is close to 10% of all deliveries (Manuaba, 2013). Purpose: This study aims to describe or describe the knowledge of mothers about premature rupture of membranes. Methods: The type of research used was descriptive with a cross-sectional approach, the population in the study There were 87 mothers giving birth with a sample of 53 respondents. The sample technique used was accidental sampling, the analysis used was univariate analysis. Results: The study concluded that the high knowledge of birth mothers is strongly influenced by education and experience. Where from 68 respondents with higher education who have good knowledge as many as 18 respondents (72.0%). Experienced birth mothers who had good knowledge were 23 respondents (60.5%). Conclusion: Knowledge of mothers about premature rupture of membranes during pregnancy is greatly supported by education and experience. Therefore it is suggested that all parties improve services, especially in providing information about the importance of preventing premature rupture of membranes.

This study investigated the role of financial literacy and social influence in the actual usage of digital payment as a fintech service systems in an effort to gather information and the degree of risk that users will experience, taking into account the advantages received. This study utilized a descriptive qualitative strategy coupled with a literature review method for data collection, namely the acquisition of data from publications and journals pertaining to the usage of digital payment systems. The data analysis technique employs the approach of deriving conclusions by objectively, systematically, and generally recognizing the many specific qualities of a message. The findings indicated that financial literacy and social influence have a substantial impact on the utilization of digital payment systems. The usage of digital payment services as a type of risky financial behavior raises knowledge and comprehension of financial goods, which will affect judgments on whether or not to utilize these products. This study is limited to a literature review and paves the way for future empirical studies to analyze the elements and dimensions of financial literacy and social influence in the usage of digital payment services in more depth.

. Implementation of adjustments in the payment system from postpaid to prepaid for PT. PLN ULP Rantepao with the objective of reducing bad debts, but the accounts receivable report demonstrates an increase in bad debts over the last 3 years. The goal of this research is to examine the internal control system for bad debts in accordance with COSO. The descriptive qualitative method was used in this research. Using a random sampling technique, interviews, documentation, and observation were conducted. The sample used in this research is saturated. The significance of this research stems from the fact that bad debts have a significant impact on the company's financial health performance. (1) Changes to the prepayment system have no effect on the reduction in bad debts, according to the research results. (2) The internal control system at PT. PLN ULP Rantepao has not been properly implemented in terms of the 5 COSO components. Instances in which the risk assessment, control environment, and monitoring activities have been implemented, but only a few of each COSO component's items have been implemented. In the meantime, neither control activities nor information and communication have been properly implemented. (3) Control activity is relatively more influential in fostering the emergence of bad debts due to the low paying power and awareness of customers in meeting their obligations. This research will be more interesting if it is continued by investigating the failure factors of changing the prepaid payment system in an effort to reduce bad debts using a variety of research methods.

The research analysis of Strawberry Fruit Marketing in the Lake Mas Harun Bastari area, Selupu Rejang District, Rejang Lebong Regency aims to find out marketing channels, marketing margins, and to find out how efficient the Strawberry marketing is in the Danau Mas Harun Bastari tourism area. This research was conducted in June 2022 in the area of ​​Danau Mas Harun Bastari, Selupu Rejang District, Rejang Lebong Regency with farmers and traders in the Mas Harun Bastari Lake area. The data analysis used in this research is Marketing Channel Analysis, Marketing Margin Analysis, and Marketing Efficiency Analysis. This data analysis was used for Farmers and the 11 Retailers Respondents in the Danau Mas Harun Bastari District, Selupu Rejang District, Rejang Lebong Regency. Based on this research, it is known that the Strawberry Marketing Channel in Selupu Rejang District, Rejang Lebong Regency has one Marketing Channel. Where farmers (producers) sell directly to retailers, then retailers sell to consumers at a price of Rp. 60,000 with a 0.5 kg mica box at a price of Rp. 35,000 and 0.25 kg at a price of Rp. 25,000 where the cost of Rp. 60,000/Kg will get profit of IDR 30,000/kg. This value explains that the retailer receives a higher price than the price received by the consumer, which means that the retailer is not disadvantaged in the marketing channel because the profits obtained by the retailer are greater than the marketing institutions in the marketing channel. The costs incurred by Retailers are in the form of transportation costs, packaging costs, equipment depreciation costs. because the strawberries are well sorted to suit the wishes of consumers. The advantage of marketing institutions is in the form of remuneration received by each marketing agency that participates in marketing strawberries starting from the Farmer level to the Consumer level.  

Children are at risk of experiencing anxiety due to the Covid 19 pandemic. Children's anxiety due to the Covid-19 pandemic because there is a lot of unclear information circulating, feeling that this pandemic is not over so they can't go out, bored at home, lack of time to socialize and play with friends friends, and the stress of online learning. Giving play therapy is one of the nursing interventions that can reduce anxiety in children. This study uses quantitative research methods with a quasi-experimental research design with a pre-test and post-test design approach. The inclusion criteria set were children aged 8-11 years, experiencing mild-moderate anxiety, in good health. The intervention was carried out 4 times using the covid 19 educational game media. Observation of anxiety was carried out twice, namely before the intervention and after the intervention. The number of samples is 24 school children. The questionnaire used to measure the level of anxiety of preschool-aged children with the Spence Children's Anxiety Scale (SCAS). Analysis of the data in this study used a statistical test with a significance level of 0.05 using the sample paired T-test. The results of the statistical test show that there is a significant effect between the implementation of the covid 19 educational game and the anxiety of school-age children in the era of the covid 19 pandemic. The implementation of the covid 19 educational game is recommended in handling children's anxiety by involving the family.  

Humans need nutrients to live, grow, develop, move, and maintain health. Nutritional needs are not the same for everyone. The growth and development of school-age children, especially teenagers, depends on providing adequate and balanced nutrition. Teenagers have more a lot of activities that affect the amount of energy the body needs. If there is an imbalance between food intake and output of energy for a long time, it can also affect the value of a person's nutritional status. Nutritional status is one of the important elements in shaping health status. Nutritional status is a condition caused by a balance between food intake and nutritional needs. The purpose of this study was to determine the relationship between food intake, physical activity, and nutritional status in students of Vocation High School 1 Tegal City. The research design use analytic with a cross sectional design approach. The research instrument use a questionnaire and direct measurement. The number of samples in this study are 33 people. Sampling methode use simple random sampling. Statistical tests were carried out using the Somers’d test with a value of 0,05. If the p value is less than 0,05 then the results of the study are meaningful. From the results of the analysis, it finds that there is a relationship between food intake and nutritional status, and there was no relationship between physical activity and nutritional status.  

The elderly are at risk of experiencing cognitive function disorders due to the aging process. Wapuwan Puzzle (Wayang Punakawan) is a game therapy that was developed to improve cognitive function by carrying elements of the art of wayang punakawan characters that are popular with the elderly. The purpose of this study was to analyze the influence of the Wapuwan Puzzle on the cognitive function of the elderly. The design of this study was a quasi-experimental with a pre-post design with a control group. The research sample was 38 elderly people using the total sampling technique at the Posyandu Setya Manunggal III. Research instrument using MMSE. Data analysis using Mann Whitney. The results showed that the gender characteristics of the majority of the respondents were female, the average age of the respondents was in the range of 60-74 years, and the education of the respondents was on average not attending school and completing elementary school. The MMSE score of the elderly who received the Wapuwan Puzzle increased significantly than the elderly who did not receive the Wapuwan Puzzle. The results of the Mann Whiteney test obtained a significance value of 0.000 (P value < 0.05) so that it was concluded that there was an effect of the application of the Wapuwan Puzzle on the increase in cognitive function in the elderly at the Setyamanunggal Posyandu III Lempuyangan Hamlet.

The invention of electronic wallets, or "E-wallets," is the outcome of fintech's expansion. An indication that more people are beginning to use digital wallets for everyday transactions is the rise in electronic money transfers. In order to ascertain the variables influencing engineering students' intents to utilize digital wallets, this study used a quantitative methodology. This study's population and sample consisted of engineering students in Indonesia that utilize digital wallets. The sample was drawn using a probability sampling approach called simple random sampling, which was successful in gathering up to 266 respondents, and an analysis method that made use of SPSS. The study's findings demonstrate how interest in utilizing digital wallets is influenced by perceived utility and convenience. In this study, however, interest in using digital wallets is unaffected by risk perception.

PT Indo Java Rubber Planting Co. merupakan salah satu perusahaan yang  menghasilkan produk karet SIR3L dan SIR 10 yang memiliki pangsa pasar besar di Indonesia. Akan tetapi dalam melakukan proses produksinya, PT Indo Java Rubber Planting Co. perlu menyadari pentinya memperhatikan keselamatan para pekerjanya.  Tujuan penelitian ini adalah untuk mengidentifikasi risiko yang ada di area sortasi, pengeringan, danpengepresan PT Indo Java Rubber Planting Co., dengan menggunakan tools Job Safety Analysis (JSA) dan Hazard Identification, Risk Assessment, and Risk Control (HIRAC). Jenis teknik pengumpulan data yang digunakan adalah Studi Lapangan dengan melakukan pendaataan list risiko yang dapat timbul menggunakanJSA dan pengisian kuesioner severity dan likelihood di tiap list risiko oleh pekerja di area sortasi, pengeringan, dan pengepresan. Selain itu, pengambilan data juga dilakukan dengan melakukan wawancara.. Hasil yang diperoleh adalah sebagian besar risiko ada pada kategori low  sebesar  44%,  diikuti  kategori  medium  sebesar37%, kategori high sebesar 19%, dan kategori extreme yang tidak ada atau 0%. Pengendalian risiko yang dapat dilakukan adalah dengan memberikan warna atau cat penanda, menggunakan sarung tangan, menggunakan sepatu boots karet, mengepel lantai, menggantung pisau, dan memberikan area khusus.  

Shivering a complication that often occurs due to spinal anesthesia, due to postoperative hypothermia. Risk factors shivering include: age, weight, operating room temperature and anesthetic drugs. One of the nonpharmacologi was to reduce grade shivering is by giving hot packs and thick blankets to samples with temperatures < 35.5⁰C. This research to determine the effectiveness comparison between use of hot packs and thick blankets. The design Quasi Experiment with post test control group design. The population all post spinal anesthesia shivering patients in the IBS Recovery Room of RST Slamet Riyadi. The sample are 2 groups,shivering patient with hotpack treatment and shivering patient with thick blanket controls. The sample 32 respondents, 16 respondents treatment group and 16 respondents control group. Data analysis Mann Whitney statistical test. The results showed that p value = 0.008 < α = 0.05 ,that H0 is rejected Ha is accepted, that  difference in the effectiveness of using hot packs with thick blankets on grade shivering in post spinal anesthesia patients in the recovery room.

Law Number 6 of 2014 states that Village Funds are funds sourced from the state revenue and expenditure budget that are intended for villages and are used to finance the implementation of government activities, implementation, development, community development and also community empowerment. Fund management accountability is a form of village government accountability to the community. The purpose of this study was to examine and analyze the effect of apparatus competence, internal control system, organizational commitment and community participation on village fund management accountability in Sukolilo District, Pati Regency. This study uses primary data by giving questionnaires to respondents. The population of this study is village officials and community representatives who are involved in the allocation of village funds in Sukolio District, Pati Regency, which consists of 16 villages with a total of 80 respondents. The sampling technique in this study is saturated sampling or census sampling with the data analysis tool used is multiple linear regression analysis using the SPSS 23 program.  The results showed that the competence of the apparatus, internal control system, organizational commitment and community participation affected the accountability of village fund management.

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.

Education should be a center of attention in Indonesia, education services for the community, must continue at the level throughout the country. Implementation and service of education in Indonesia is still uneven, still focused on big cities. Many areas in Indonesia find it difficult for the public to obtain educational services, Jakarta as the national capital, as if everything is there and available there, but it must be admitted for Banten Province which is adjacent to the Special Capital Region of Jakarta. Data from the Central Statistics Agency (BPS) for 2016, shows that the average length of schooling in the Banten region is only 8.37 years, in Serang District some students have to risk their lives because the school is damaged, so that classrooms are used alternately. Based on data released by the Ministry of Culture and Culture, there are 48% of schools in Banten that have been damaged and are not suitable for normal use as school rooms. The Banten Education Office stated that there are many problems driving the low net enrollment rate (APM) in schools in Banten, including inadequate facilities and infrastructure, educational services are not evenly distributed, and the community's level of education is still low. This research is intended to identify and examine the existence of the image of higher education, peers and facilities and infrastructure in influencing students' interest in continuing their education to a higher level. The method used in this study is a quantitative method with descriptive and verification properties. The analysis tool used is path analysis with the help of the SPSS for Windows 25 program. The results of the study show that there is an influence from the image of higher education, peers and facilities and infrastructure on interest in college.