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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

Women have complicated bodies. Throughout their existence, they go through the anatomical, physiological, and reproductive development processes. From birth to adulthood, there occurs development, and as a woman, the body's organs develop flawlessly and entirely. In comparison to a male, a woman's body develops differently, especially in terms of the reproductive organs, genitalia, endocrine system, and skeleton. The fast-paced and practical lifestyle elements of today's metropolitan society have an impact on the food ingested, which is bad for the body's health. The majority of high-risk illnesses, including heart disease, breast cancer, cervical cancer, osteoporosis, autoimmune disease, stroke, depression, and others, affect women more than males. The Community Service Partners are the management of the Family Welfare Development Team (TP-PKK) in West Bungo Village, Bungo Regency. The majority of PKK administrators, besides their activities as housewives, also work in government, private and entrepreneurial institutions, where due to business, consumption patterns and types of food eaten are unhealthy, such as fast- food which can be bad for the health of the body. especially reproductive health. Therefore, the purpose of this activity is to provide training and skills for TP-PKK administrators in making traditional herbal drinks with raw materials from rhizome plants such as Ginger, Turmeric, Temu Lawak, Kencur, Galangal which are very useful in helping to maintain body and reproductive health. in productive Ages.

The Industrial Revolution 4.0, which coincided with the presence of the Covid-19 pandemic, demanded that the world of education implement a different system. Classroom learning that involves students directly is now starting to switch to online learning. One of the learning media used is the Kahoot application. Interactive quizzes in this application can be implemented on an ongoing basis, including in face-to-face learning after the pandemic. Unfortunately, not all educational institutions know about the existence and benefits of this application. Sungai Putih High School, Kampar Regency, which is our service partner, is one of them. This dedication to introducing interactive learning through online media has had satisfactory results. From 38 respondents covering all classes and teachers at the high school, 100% of respondents felt interested in this learning and 96% of respondents agreed that learning evaluation using Kahoot was felt to be more effective than tests in general. For the continuity of implementation, the service team provided a Kahoot Usage Guide book which was designed directly by the service team.

 The current era of globalization demands that manual data processing is no longer relevant and accurate for companies. This is because errors that occur due to manual processing can no longer be neutralized. Where the information generated by these errors, becomes inaccurate anymore to be used as a basis for decision making. That is why currently the existence of SIA is becoming increasingly important for a company. Initially the existence of this information system was to collect, process, store, calculate, analyze, and disseminate information for specific purposes. However, currently SIA has a very important impact on the company, namely providing added value to its users because it will ultimately have an impact on improving the company's overall performance.

The role of the MSME sector is very important for the economic growth of a region. Where this sector reflects the local economy, a region and as a driving force for the regional economy. The existence of the Covid 19 pandemic has caused MSMEs actors to have new challenges and problems, regarding marketing in the form of digitalization. Therefore, a strategy is needed, which is able to answer these problems. This MSME Marketing Development Strategy is to see the types and characteristics of  MSMEs, potentials and problems as well as strategies for handling them. The case of this research is MSMEs Boyolali Regency. The results of this study are SWOT analysis, which requires MSME marketing activities based on MSME digitization through increased product marketing through Social Media and E-Commerce.

Love can be used as an answer to the question of human existence. So many philosophers from the west and east offer concepts about love, Erich Fromm is one of them who considers that love is an art. The purpose of this study is to classify five objects of love from Erich Fromm's thoughts in poems by W.S Rendra. Poetry was chosen as the object of research because poetry can be used as a means for someone to express love. This research method is a literature study as well as a literature review. The results of this study are five titles of poems that represent the five objects of love. First, object of brotherly love entitled "Aku Mendengar Suara" because this poem contains Rendra who loves his oppressed brothers. The object of maternal love titled "Ibunda" contains a mother's love that is like the earth that provides its fertility for her children to grow and sacrifices everything a mother has for her children, truly loving even though she does not get anything from the child. The object of erotic love with the title "Barangkali Karena Bulan" is about exclusive love to one person, namely the poet's love for a woman. Self-love with the poem titled "Orang Biasa" contains Rendra's love for himself. Last, the object of God's love titled "Tuhan, Aku Cinta Padamu" is about Rendra's desire to return to Him and achieve unification between the servant and his God.

Al-Quran and Hadith are the main guideline for Muslim, altrough in islam there are qiyas , Istihsan and others. Al-Quran is the first foundation for mankind, unless after the argument is not found in the Al-Quran should use the Hadith. Then it is the relation to learning that is the process of changing behaviour or the process of developing knowledge for an individual. It makes learning is an obligation for every individual. The goal is to be able adapt in the future and develop self ability. The the relationship of the Al-Quran and Hadith to learning is empesized more in the process of trasfering knowledge between teachers and students or other wise with their environment, in order to make an individuals more devout their relagion and eminent in their knowledge.  

The existence of the SKB of three ministers of social, economic, political, cultural and national civilization and for Muslims the three ministerial SKB has meaning, first, the occurrence of social and vertical mobility of madrasa students which so far has been limited to traditional educational institutions (madrasas and Islamic boarding schools), and secondly, opening up opportunities for the possibility of santri children entering the area of ​​work in the modern sector. The existence of Islamic education policies during the New Order era brought changes to Islamic education and the life of the nation, especially Muslims. The birth of a three-ministerial SKB stating that madrasah alumni could continue their education in public schools both at home and abroad. And that was born from the process of modernizing Islamic education which began in the early 20th century. In line with the development of social and economic institutions, the Muslim modern elite mostly live in cities, are highly educated, have religious knowledge, work in the New Order bureaucracy and in various secular modern institutions, the social and religious position of the modern Muslim elite makes them have social access. and strong politics. And they spread a lot to membership in the DPR both through Islamic and nationalist parties such as Golkar and others.

Abstract: The number of lemang entrepreneurs typical food of Bolo Village is decreasing even from lemang entrepreneurs who are still in production, their sales volume is decreasing. The main factors that cause this condition are low business management skills, no touch of technology, unattractive product displays, dirty and dusty, unhygienic, no labels and packaging so that it has an impact on reducing people's buying interest. Another problem faced by partners is that the production of lemang does not last long, as well as the low ability of partners to make jam as a complementary product from lemang. The activity methods used in community service activities include assistance in the form of changing mindsets regarding business management, training, and practice, as well as tool design as well as design/brand and packaging development. At each stage of the activity an evaluation is carried out both process evaluation and outcome evaluation so that the output of the activity can be measured. The results of this activity: 1) there is a change in mindset regarding business management; 2) the innovation of Lemang products; and 3) the existence of a label/brand design and product packaging

Drug abuse occurs because of promiscuity and lack of education about the dangers of drug use. The increasing cases of drug abuse that occur in the community make it quite difficult for the government to overcome this. Therefore, the existence of a drug-free or shining program will certainly have an effectiveness that aims to provide education to the community, especially the younger generation about the dangers and impacts of drug abuse. The method used in this program is through socialization activities using participatory methods, lectures and discussions. The process of this socialization activity was in the form of delivering material from the sources of the City National Narcotics Agency and continued with discussion activities. The results of this program are useful for making the younger generation as pioneers of the nation's successor to be clean from drugs.

The current business era is experiencing massive changes due to the uncertainty of industry fluctuations and tight competition, making businesses enter the VUCA era. This makes business activists required to adapt to circumstances that are prone to change (Volatility), the uncertainty of circumstances (Uncertainty), circumstances full of complexity (Complexity), and floating circumstances (Ambiguity). Therefore, innovation is needed so that business actors remain active in facing the challenges of the VUCA era. Digital transformation brings many changes in the industrial world. Financial Technology has the potential to play a role in increasing financial inclusion and Business Sustainability. This study aims to systematically highlight the business model of financial technology from the relevant literature. The methodology used in this research is the study of literature. The results showed that the existence of Financial Technology has a positive impact on efforts to increase financial inclusion and Business Sustainability in the VUCA Era, which can be seen from the projected growth of Financial Technology, which has increased significantly. This research is expected to provide a view of the business world in observing the adoption of Financial Technology.

Language is the identity of a country or region that is used as the main communication tool. Everyone needs language when interacting, expressing ideas and opinions and other social relationships. In its development, the use of Indonesian began to shift to be replaced by the use of the language of teenagers, one of which was the use of the word bestie. The use of the word bestie is not only used by teenagers, not infrequently educated people also use this bestie language, both in oral and written form, both in formal and non-formal times, resulting in the use of language being bad and incorrect so that it will have an impact on the existence of the Indonesian language. It would be nice if we can use good and correct Indonesian, so that the existence of Indonesian as the national language is maintained. Indonesian is the language of unity, so as Indonesian people who care and respect their national language, we must maintain and help preserve our language, namely Indonesian. If we have used good and correct Indonesian, people around us will be infected directly.

The existence of a good and correct use of Indonesian has now faded. This is because most teenagers use slang in their daily activities, including in the learning process activities. This study aimed to describe the phenomenon of the influence and impact of the use of slang on the use of Indonesian among adolescents. This research used was literature review method with literature study. The literature search method used was the keywords “Slang”, “Alay Language”, “Impact”, “Indonesian”, “Teenagers”. The data base used for reference in this research is Google Scholar and Portal Garuda.The analysis used was a narrative presented in the form of a description. The use of slang among teenagers has become commonplace and the majority of teenagers use slang in doing their daily activities. The existence of this had an impact on the existence of the decline in the use of Indonesian, difficulty in communicating, affects the way of learning and the learning process. In the learning process, the use of good and correct Indonesian should be emphasized given the many factors that cause the lack of existence of Indonesian.

ABSTRACT The rapid development of technology has a very large effect in various fields. One of them is in the field of buying and selling business, which is getting higher and higher competition between business actors. One of the strategies to increase sales is to implement a recommendation for goods, but from the various categories of goods in the store, there are products that are not in demand by customers, so that if left alone, the products that are not in demand will not sell well and will make the accumulation of goods in the store, in addition to that with the many categories, it makes some customers confused to choose products that suit their wishes buyer. Therefore, the author conducts an assessment first by conducting a literature study, which finally the purpose of this study is to make it easier for users and business owners to recommend goods in the store and determine the desired product by implementing a recommendation system on the Rameiki Mart Store website which is taken from the amount of data, this is also beneficial for store owners because the existence of this recommendation system can help as a means of product promotion , as well as in recommendations for the purchase of goods. In this study, the researcher created a recommendation system using the a priori algorithm method.

One of Ahmad Tohari's short stories is The Bright House, in the collection of short stories Smile Karyamin (2013). The short story records the incident of electricity entering a village. As narrated in the short story, the existence of electricity has a significant impact on society, both positively and negatively. The positive side brings physical changes with the presence of lights and other facilities to support people's lives. On the other hand, this positive aspect has a negative impact, namely the "death" of culture and human aspects with the presence of technology which has an impact on changing perspectives and making them a market for advanced capitalism with the existence of technology and information. The formulation of the problem in this paper concerns the problems that exist in society related to the existence of technology and information after the presence of electricity which allows people to experience dependency and changes in mindset due to interaction with the outside world. This writing method is by showing forms of inhumanism in the short story. The theory used is the theory of postmodernism by Jean Francois Lyotard as explained by Struart Sim regarding the Inhuman condition. The result of this discussion is Inhumanism in rural communities caused by the presence of electricity as the initial foundation for the presence of technology in the form of the loss of cultural habits for the local community, both in terms of habits of responding to nature or new conflicts after the presence of electricity in society. This happens because of the presence of artificial life, replacing the role of nature which has been a part of people's lives like the existence of the moon. Access to information is obtained by the community after getting to know technology which presents new values and is different from the values they previously had as a communal society

The COVID-19 pandemic had a significant impact on UMKM. Social distancing has changed consumer behavior from conventional to digital. UMKM Shapro Official is an original automotive t-shirt vendor that was established in 2017. Shapro Official has difficulty in introducing and marketing products with a clear target consumer and competitive price competition. Sales promotions have not been managed optimally and sales data management is still manual (notes). Owners also have difficulty monitoring sales reports in real time. Website created using CMS Wordpress to help Shapro Official difficulties. The system development method is Rapid Application Development (RAD). System analysis method using fishbone diagram and system modeling using Unified Modelling Language (UML). The results showed that the existence of a website can help the management to manage promotions, sales and sales reports. Having a website makes sales targets focus and increase.   

Football School (SSB) is a supporting facility for children who have potential in the field of soccer in order to improve their skills. Football is a large ball game played in teams with a team of 10 players and 1 goalkeeper. In this game, teamwork is an important value that must be possessed to achieve competitive victory. However, along with problems in the form of discrepancies in operational standardization in soccer schools, causing negative public perceptions of the existence of this school. Therefore, a research was conducted to build a decision-making model in determining the choice of soccer schools in accordance with legal standards for children, namely using the Analytical Hierarchy Process (AHP) method. The AHP method is one method that can solve a problem because there is a hierarchy where there are several important aspects, namely Objects, Criteria, Sub Criteria, and Alternatives. By combining data and knowledge, it can increase effectiveness in decision makers. It is hoped that in the future, this research can help the community to support their children in the field of soccer by determining the appropriate soccer school.

Abstract. Environment is everything that affects human growthand animals. While the environment is everything that being around living things (organisms) that have reciprocal effects on living things. Effort environmental preservation means maintaining the existence of the environment forever, everlasting and unchanging. By doing actions arbitrarily to the environment by exploiting regardless of the consequences, clearly contrary to Christian teachings Instability of natural conditions, disasters and calamities that occur in nature, because it is caused by human hands. Management This environment aims to achieve harmonious relations between humans and the environment. inner harmony Christian teachings include four things, namely: harmony with God, harmony with society, harmony with the natural environment and harmony with oneself. Efforts to preserve the environment alive, this received serious attention from the shepherd. written in the bible about reviving dead land, planting trees (reforestation) and the contents of the bible about the prohibition of open defecation. Messages written in God's word, are awakening to his people to always increase awareness of the environment.

National identity is a sign or characteristic of a country that can distinguish its characteristics from other countries, because the identity of a country lies in the concept of the country itself. Etymologically, national identity comes from the words "identity" and "national". Identity comes from the word identity which means the existence of a character, trait, or quality related to an individual, group, or something that distinguishes it from others. And National comes from the word nation which means state. And every country is obliged to implement constitutional behavior in the life of the state. Because in general the constitution is the basic principle and law of a nation, state, or community group. Where that determines the power, duties of the government and guarantees certain rights for its citizens. Â

Abstract. Environment is everything that affects human growthand animals. While the environment is everything that being around living things (organisms) that have reciprocal effects on living things. Effort environmental preservation means maintaining the existence of the environment forever, everlasting and unchanging. By doing actions arbitrarily to the environment by exploiting regardless of the consequences, clearly contrary to Christian teachings Instability of natural conditions, disasters and calamities that occur in nature, because it is caused by human hands. Management This environment aims to achieve harmonious relations between humans and the environment. inner harmony Christian teachings include four things, namely: harmony with God, harmony with society, harmony with the natural environment and harmony with oneself. Efforts to preserve the environment alive, this received serious attention from the shepherd. written in the bible about reviving dead land, planting trees (reforestation) and the contents of the bible about the prohibition of open defecation. Messages written in God's word, are awakening to his people to always increase awareness of the environment.