Investasi adalah suatu kegiatan yang dilakukan oleh seorang penanam modal dalam menanamkan modalnya dengan tujuan untuk mengharapkan imbalan berupa deviden dan memperoleh hasil yang diharapkan secara maksimal. Pasar modal dapat diartikan sebagai pasar yang menyediakan berbagai instrumen keuangan yang dapat diperdagangkan, dapat berupa modal pribadi atau utang dan dapat diterbitkan oleh pemerintah atau pihak swasta. Setiap investor yang berinvestasi di pasar modal tentunya memiliki portofolio dan harus mendiversifikasikan portofolio tersebut guna meminimalkan risiko yang harus diterima. Kajian ini mengacu pada pembentukan portofolio pada masa krisis ekonomi yang melanda Indonesia seperti krisis moneter 1998, krisis keuangan global 2008, krisis ekonomi Dolar AS 2013, dan krisis ekonomi pandemi COVID-19.
Kesimpulan penelitian ini menunjukkan bahwa pada krisis moneter 1998 sektor yang masuk dalam pembentukan portofolio optimal adalah sektor industri, pada krisis ekonomi global 2008 terdapat sektor perbankan dan sektor f&b, pada krisis ekonomi US Dollar 2013 terdapat sektor tembakau dan sektor industri, dan krisis ekonomi pandemi. Covid-19 2019 meliputi sektor farmasi dan sektor pertambangan.

ABSTRACT
The purpose of making this research journal is to conduct a business assessment of PT Garuda Indonesia (Persero) Tbk, namely evaluating and measuring the level of financial health of PT Garuda Indonesia (Persero) Tbk with indicators of liquidity ratios, solvency, activity and profitability. The research method used is library research, namely by studying relevant data from various sources. The author uses secondary data in the form of financial statements for 2017 to 2020. The analytical model used in this research is Cash Ratio, Current Ratio, Inventory Turnover, TATO, Collections Periods, ROE, ROI and Total Own Capital to Total Assets. Financial data is taken from the financial statements of PT Garuda Indonesia (Persero) Tbk in the form of Income Statement and Balance Sheet. The level of health is measured based on the Decree of the Minister of SOE No.Kep 100/MBU/2002 where PT Garuda Indonesia (Persero) Tbk is included in the Non-Infrastructure SOE. The results of this study indicate the indicator has decreased every year. So it can be concluded that PT Garuda Indonesia (Persero) Tbk has Unhealthy business and financial performance with CCC predicate in 2017 to 2019 and CC predicate in 2020.

This study aims to determine the effect of: 1) the tourism sector on poverty during the Covid-19 period. 2) The tourism sector to absorb labor during the Covid-19 period. The research method used is quantitative research. While the type used is associative research method which aims to determine the influence or relationship between two or more variables. The collection of data and information in this study used secondary data with a data collection method, namely time series (time series) over a period of three years 2018-2020. The results of this study indicate that there is a positive and significant influence between the tourism sector on poverty and the contribution of the influence given is 41.2%. This study also shows a positive and significant influence between the tourism sectors on employment with the contribution of the influence given that is equal to 82.7%. Meanwhile, based on the individual parameter significance test, it was obtained t count (3.711) > t table (2.132) on the Poverty variable, which means H0 was rejected and H1 was accepted, while in the Labor Absorption variable obtained t count (4.373) > t table (2.132), then H0 rejected and H1 accepted. So the conclusion in this study is that tourism has a significant effect on poverty and employment.

Assessment of financial ratios and the relationship between one item and another in the financial statements can provide an overview of the performance and level of financial soundness of a company. This article aims to assess the financial performance of PT. Surya Toto Indonesia Tbk. in 2019-2021 during the Covid-19 pandemic. The analysis was carried out using various financial ratios, namely profitability ratios, liquidity ratios, solvency ratios and activity ratios to see the company's performance from 2019 to 2021. The results showed the rate of return on net sales, return on equity, financial performance of PT. Surya Toto Indonesia Tbk is not good enough. Return on assets value current ratio in 3 consecutive years is 2 times, which means the company's profitability is good. In 2020 2 times, and PT. Surya Toto Total debt to total assets, interest coverage ratio, accounts receivable turnover ratio, inventory turnover ratio, Debt turnover where the financial performance is good.

Sistem kerja dalam perusahaan mengalami perubahan ketika munculnya pandemic Covid-19. Hal tersebut mengakibatkan beberapa perusahaan mengambil sikap untuk menerapkan work from home atau bekerja dari rumah. Hal tersebut mengakibatkan beberapa sistem juga mengalami perubahan. Suatu perusahaan teknologi informasi di kota Yogyakarta menerapkan sistem  WFH dalam perusahaannya dan memiliki 3 fokus untuk meningkatkan kinerja diantaranya adalah e-learning,e-leadership dan work life balance. Adapun dalam penelitian ini menggunakan penelitian kualitatif dan kuantitatif berupa wawacara serta penyebaran kuesioner atau survey. Hasil dari penelitian ini menunjukkan bahwa ketiga aspek e-learning, e-leadership dan juga work life balance memiliki pengaruh positif pada peningkatan kinerja karyawan. Dengan hasil tersebut maka perusahaan IT tersebut harus meningkatkan kualitas program-program yang berkaitan dengan ketiga aspek tersebut.

Transportasi udara menjadi salah satu pilihan jenis transportasi yang ada di Indonesia dan banyak diminati oleh banyak orang. Permasalahan yang sering terjadi pada Check-in Counter di bandar udara Internasional Jenderal Ahmad Yani yaitu kurangnya disiplin waktu dari petugas Check-In Counter sehingga mengakibatkan antrian panjang dan kurangnya pengalaman service excellent pada oleh petugas Check-In Counter. Sebanyak 3.355.660 penumpang menggunakan jasa penerbangan yang keluar dan masuk di Bandara Internasional Jenderal Ahmad Yani. Penelitian ini bertujuan untuk: 1)Untuk mengetahui pengaruh yang ditimbulkan dari pelayanan Check-In Counter terhadap kepuasan penumpang di Bandar Udara Internasional Ahmad Yani Semarang. 2)Untuk mengetahui seberapa besar dampak pengaruh yang ditimbulkan dari pelayanan Check-In Counter terhadap kepuasan penumpang di Bandar Udara Internasional Ahmad Yani Semarang.
 
Metode penelitian yang digunakan adalah metode kuantitatif. Dengan total sampel yang digunakan dalam penelitian ini sebanyak 100 responden, dan jumlah populasi sebanyak 480 penumpang. Adapun responden dalam penelitian ini merupakan para pengguna jasa transportasi udara untuk penerbangan domestik di Bandar Udara Internasional Ahmad Yani Semarang. Penelitian ini menggunakan teknik Non-Probability Sampling dengan pendekatan Purposive Sample(sampel bertujuan) karena cara pengambilan sampel sesuai kriteria tertentu. Penelitian ini mempunyai satu variabel independent pelayanan (X) dan variabel dependent kepuasan penumpang (Y).
 
Hasil penelitian ini menunjukan bahwa H0 ditolak dan H1 diterima yang berarti terdapat pengaruh yang signifikan antara variabel pelayanan check-in (X) terhadap variabel kepuasan penumpang (Y) dengan hasil Uji t diperoleh 0.000 yang artinya nilai signifikansi lebih kecil dari 0.05 (0.000 < 0.05). Hasil pengujian R Square (R2) disimpulkan bahwa pelayanan penumpang mempengaruhi kepuasan penumpang sebesar 0.828. Dapat ditarik kesimpulan bahwa pelayanan Check-In Counter mempengaruhi kepuasan penumpang sebesar 68.5% dan sisanya sebesar 31.5% dijelaskan oleh varibel lainnya yag tidak diuji kedalam penelitian ini.

this study aims to determine whether there is an influence of Human Resource Development on Employee Performance at the Office of the Regional Financial and Asset Management Agency (BPKAD) Kota Bima. The results of this study indicate that the Human Resource Development variable has a significant effect on Employee Performance at the Regional Financial and Asset Management Agency (BPKAD) Office of Bima City

This Studies aims to examine the analysis of the effect of government social assistance and financial literacy on students affected by COVID-19. This research is a policy research. The method used in this research is descriptive qualitative with evaluative data and literature studies. In this study, literature was obtained from information that developed in the news related to the distribution of government social assistance and financial literacy information circulating among Telkom University students affected by Covid-19.

The presence of Chatbots can assist humans in their everyday lives. Chat GPT is one of the commonly used Chatbots that humans rely on to support their work, serve as an assistant, or even create artistic works or writings. The purpose of this research is to investigate opinions regarding the presence of Chat GPT. This Opinion Mining method is conducted by crawling data from Twitter, which can be categorized into three opinions: Positive, Negative, or Neutral. To calculate the accuracy level of the model created, two algorithms, Naïve Bayes and K-Nearest Neighbour, are compared. The model validation process utilizes K-Fold Cross Validation by varying the value of k (k=2, k=4, k=6, k=8, and k=10) and different sampling methods, namely Linear, Shuffled, and Stratified, to obtain optimal accuracy values. The research results indicate that the K-Nearest Neighbour Algorithm achieves the highest accuracy value of 92.40%. Based on this comparison, the K-Nearest Neighbour Algorithm is deemed suitable for modeling Opinion Mining of Chat GPT. The distribution of Twitter users' opinion percentages regarding Chat GPT is as follows: Positive 9.4%, Negative 1.4%, and Neutral 89%. Neutral opinions dominate the results of the conducted Opinion Mining.Keyword : chat GPT, opinion mining, twitter

Indonesia is a country that is rich in cultural diversity. An example of one such variety is the Javanese language. The letters that are usually used in Javanese are non-Latin letters or are usually known as Javanese script. However, along with advances in technology, the Javanese language is increasingly being forgotten. In the past, the Javanese script was used as a subject in schools, aiming for Indonesian students to continue to gain knowledge about the Javanese script. The initial step in the introduction of the Javanese script starts with the preprocessing process by changing the image of the Javanese script from the RGB image to a grayscale image which is then performed feature extraction, where the feature extraction used in this script recognition is texture extraction with the Local Binary Pattern (LBP) algorithm. The results of this processing are obtained information that can be used as a parameter in the Multi Support Vector Machine (SVM) classification to predict Javanese script images. In this study using the LBP method with the Multi SVM Algorithm as a classification algorithm produces a high accuracy of 90% in the recognition of Javanese script, better than using only Multi SVM with an accuracy of 80%.