As a sharia microfinance institution that has a function as developing productive businesses and investments to improve the quality of micro, small and medium enterprises, this study aims to examine the effect of variable capital financing, length of business and own capital on the income of customers who are members of the Sharia Financing Savings and Loans Cooperative Baitul Mal wa Tamwil Nurul Barokah Klego branch, Boyolali regency. They are micro, small and medium enterprises (MSMEs), the population in this study is 108 with a sample of 52 respondents. Analysis techniques use multivariate regression analysis and use instrument tests which include validity and reliability tests, and descriptive statistical tests of respondents based on sex, based on age, and classical assumption tests include normality tests, multicolleniarity tests, heterokedasticity tests, and multiple linear regression analysis and model permanence tests including coefficients of determination, and hypothesis testing includes t tests, F tests. The results showed that only own capital had a positive effect on MSME income, while capital financing and long time did not affect MSME income, because financing members often took advantage of capital loans not in accordance with loan agreements and lack of innovation to see consumer interest so that it stagnated.

This research aims to analyze the financial performance of PT. H.M Sampoerna Tbk based on financial ratio data from 2018 to 2022. The study adopts a quantitative approach using a descriptive study method by collecting and analyzing the company's financial data. Liquidity, solvency, and profitability ratios are utilized to measure the financial performance of the company. The findings indicate that there are variations in the company's financial performance during the research period. Nonetheless, the company still records adequate net profit and returns. However, it is crucial for the company to enhance liquidity management, carefully manage debt, and improve operational efficiency to achieve sustainable growth in the future.

The students’ problem solving abilities in science about the alternative energy resulted in a low level. A few of the causes were the teacher-centered method and the lack of students' creativity development opportunity in the learning process. This study aims to determine the effect of applying the STEAM approach using the Project-based Learning (PjBL) learning model to aid the students' problem solving abilities about the alternative energy material. This type of research is a quantitative experiment with a quasi-experimental design. The research was conducted at Ngaglik 1 Batu Elementary School in the even semester of the 2022/2023 academic year. The population was grade 5 students, and the samples were taken with purposive sampling technique. There were 28 students in the control class and 29 students in the experimental class. The data was collected using the pretest and posttest instruments. The pretest and posttest results were analyzed by parametric inferential statistics based on the prerequisite tests. The normality test used the Shapiro-Wilk and the homogeneity was tesedt using the Levene Statistics. The Independent Sample t-test was used to analyze the research problem and obtained Sig. (2 tailed) of 0.000, which meant that there was a significant difference in the posttest data in the control and experimental classes, so that the application of STEAM-PjBL learning model is concluded to be able to improve students' problem solving abilities.

The purpose of this study is to examine the constraints that arise in supply chain activities by considering the influence of risk characteristics on the choice of problem solving approach taken by management. There are 524 consumers who use goods delivery services in the Central Java region. This study was built based on the initial assumption that risks with high and low magnitude (High Risk Magnitude and Low Risk Magnitude) trigger network mobilization between actors, risk monitoring, communication between business actors and delivery service providers, resources and facilities so that it influences the choice of a solution approach. problems in supply chain management. We assume that risk with high strength has a positive effect on the choice of problem solving that provides a win-win solution. Conversely, risk with a low probability has a negative effect on the choice of mutually beneficial problem solving solutions. Our final findings through statistical tests conclude that the influence of risk attributes on the choice of problem solving approach is fully facilitated by timely assistance and collaborative problem solving.

This study aims to examine the effect of liabilities and equity on profitability (Studies of Banking Companies Listed on the Indonesia Stock Exchange in 2019-2021). The samples and data in this study were taken from banking companies listed on the IDX for 2019-2021 in the financial statements and annual reports for that period. The method used is sampling. The method used in this study uses the normality test method with multiple linear regression analysis. Based on the research results, liability has a positive and significant effect on profitability, while equity has no effect and is not significant on profitability.

The marketing strategies is one of way to win a sustainable competitive advantage both for companies that produces goods or services. The marketing strategies can use as a basic in order to preparing of the companies planning. As a views from the problems which are exists in the company. So it is necessary to comprehensive plans to be used as guideline of the segments company in carrying out its activities, the other reasons that demonstrates the importance of marketing strategy is increasingly tough competition the company in general. This study aims to: obtain an overview of the marketing strategies used by MSMEs Rumah Makan Ibu Lili improve its competitiveness and to determine how effective implementation of marketing strategies. The experiment was conducted in MSMEs Rumah Makan Ibu Lili at Borobudur. Data collection methods used in this study is documentation, interview, observation and descriptive research. The results of an analysis of the effectiveness of the marketing strategies showed the increased of total sales of year to year and became references the marketing strategies in competitions between traditional food companies.

A notary is a public official who aims to serve the public in the field of legal services in making authentic deeds by the Law of the Republic of Indonesia Number 30 of 2004. This goal can be achieved if human resource management provides job descriptions and specifications to achieve employee work effectiveness one of which is the Notary Office of Ebony Kiki Haga, S.H., M.Kn, which requires employee work effectiveness in service activities. In this case, the administrative staff is the most important role related to the effectiveness of the notary's office. Work effectiveness has not been achieved properly because there is no defined job description and specifications, so there is often a miscommunication regarding the division of work. This research method uses descriptive qualitative. Data collection techniques using field methods (observation), interview methods, and documentation methods. The data analysis technique uses qualitative analysis, namely by reducing data, presenting data, and drawing conclusions, then testing the credibility of the data using the triangulation method. The result of this research is that the work effectiveness of administrative staff has met 3 (three) indicators of work effectiveness, after doing job analysis with the results being able to apply job descriptions and specifications for administrative staff.

Internal communication that occurs at PT. XYZ will affect work behavior which is indicated by employee performance towards the company. The formulation of the problem in this study is how internal communication influences employee performance at PT. XYZ, how much influence does internal communication have on employee performance at PT? XYZ. The type of research method used in this study is a quantitative method with data collection techniques through questionnaires, literature study, and documentation study. The object of this research is all employees totaling 43 people. The analysis technique used is an instrument test (validity test and reliability test), simple linear regression analysis, F test, and correlation analysis. The results of data analysis show a simple linear regression equation Y = 42.116 + 0.510, which means that for every 1 unit increase in internal communication (X) then the performance (Y) increases by 0.510, with a correlation coefficient value of r = 0.528 meaning that internal communication simultaneously has a moderate effect on employee performance. which is also evidenced by count 15.825 > table of 4.08 with a significance level of 5%, Ho is rejected and Ha is accepted.

Main Objective: Penelitian ini bertujuan untuk mengevaluasi pengaruh pandemi Covid 19 terhadap pilihan investasi investor ritel dengan menggunakan pasar saham sebagai tolak ukur. Selain tujuan tersebut masih ada beberapa tujuan lain untuk mengevaluasi dampak Covid-19 terhadap preferensi investasi saham oleh investor ritel di pasar saham, untuk memahami apakah investor ritel bersedia menginvestasikan uang pada saham dengan mempertimbangkan efek pandemi mengidentifikasi preferensi saham investor ritel pasca Covid-19 dan faktor penyebabnya, dan menganalisis perubahan return yang diberikan oleh investasi pada saham berdasarkan efek Covid-19. Background problem: Peran pandemi covid-19 dalam mengubah preferensi investasi ritel merupakan salah satu yang telah dispekulasikan sejak pertama kali tercatat pada tahun 2020. Pandemi Covid-19 menyebabkan berbagai konsekuensi yang mempengaruhi preferensi investor dan selanjutnya mengubah perilaku investasi. Novelty: Preferensi investor cukup dipengaruhi oleh pandemi covid-19 untuk berubah selama jangka waktu lockdown global. Preferensi tersebut telah dikaitkan dengan beberapa faktor intrinsik dan ekstrinsik yang berkisar dari alasan pribadi hingga karakteristik investasi dan kinerja di pasar saham.
Research Method: Penelitian ini mengadopsi metode penelitian survei cross-sectional dan metode campuran yang mana sampling probabilitas dan non-probabilitas diadopsi dalam pendekatan kuantitatif dan kualitatif. Metode kualitatif dilakukan melalui snowball purposeful sampling sedangkan metode kuantitatif dilakukan melalui Stratified Random Sampling. Finding/Result: Temuan penelitian ini mengungkapkan bahwa, terdapat perubahan preferensi investor ritel yang signifikan selama pandemi, selain itu hubungan yang signifikan antara sektor industri yang berfungsi tinggi dengan preferensi investor selama pandemi tidak ditemukan dan terakhir terdapat hubungan yang signifikan antara perubahan portofolio investor dan preferensi investor. Conclusion: Kesimpulannya, dampak covid-19 terhadap preferensi investasi hanyalah mikrokosmos dari dampak umum di semua bidang dan aspek ekonomi. Namun, sejauh mana perubahan preferensi tersebut hanya diukur terutama tanpa data sekunder yang sesuai untuk mendukungnya. Oleh karena itu, penting bagi peenelitian selanjutnya untuk membangun memberikan informasi tambahan tentang sejauh mana perubahan preferensi investor yang tercermin dalam portofolio investasi investor dan data statistik yang mendukungnya.

<p class="Abstract">In Indonesia, electricity supply for buildings or buildings with needs above 200kVA requires a distribution transformer owned by the customer, so that electrical energy transactions are carried out on the medium voltage side of 20kV. The distribution transformer in a hospital is a very vital component, especially during the COVID-19 pandemic where transformers are forced to continue operating above nominal levels without any maintenance. Distribution transformer maintenance includes visual inspection, monthly maintenance, maintenance every six months and annual maintenance. Treatments carried out on distribution transformers at X Hospital are DGA (Dissolved Gasses Analysis), transformer insulation testing, TTR (Transformer Turn Ratio) testing, Breakdown Voltage testing, thermovision testing and Winding Resistance testing; In addition, treatment or purification of transformer oil is also carried out based on testing. all dissolved gas and total dissolved gas (TDCG) decreased after the purification process and after purification there is still residual dissolved gas in the transformer. Interpretation of dissolved gas data (DGA) using several methods indicates a "Thermal Fault &gt; 300 Celsius". This is in line with the results of thermovision on the transformer which shows a hot spot at the termination of the HV phase W bushing. Confirmation of this suspect will be checked after repairing the termination.</p><p>                                                                                                 </p><p class="IndexTerms"><strong>Keywords</strong>: Distribution Transformer, Transformer, Maintenance.</p><p> </p><p class="Abstract" align="center"><strong>ABSTRAK</strong></p><p class="Abstract">Di Indonesia, suplai kelistrikan untuk bangunan atau gedung dengan kebutuhan diatas 200kVA maka diperlukan trafo distribusi yang dimiliki oleh pelanggan, sehingga transaksi energi listrik dilakukan di sisi tegangan menengah 20kV. Trafo distribusi di sebuah rumah sakit merupakan suatu komponen yang sangat vital, terutama selama masa pandemic COVID-19 dimana trafo dipaksa untuk tetap beroperasi diatas narus nominal tanpa adanya perawatan. Perawatan trafo distribusi meliputi inspeksi visual, perawatan bulanan, perawatan tiap enam bulan dan perawatan tahunan.  Perawatan yang dilakukan di trafo distribusi di Rumah Sakit X ini adalah DGA (Dissolved Gasses Analysis), pengujian insulasi trafo, pengujian TTR (Transformer Turn Ratio), pengujian Breakdown Voltage, pengujian thermovision dan pengujian Winding Resistance, selain itu juga dilakukan treatment atau purifikasi oli trafo Berdasarkan pengujian. semua gas terlarut dan total gas terlarut (TDCG) menurun setelah proses pemurnian dan setelah pemurnian masih ada sisa gas terlarut di trafo. Interpretasi data gas terlarut (DGA) dengan beberapa metode menunjukkan adanya “Termal Fault &gt; 300 Celcius”. Hal ini sejalan dengan hasil thermovision pada trafo yang menunjukkan adanya hot spot pada bagian terminasi busing W fasa HV. Konfirmasi tersangka ini akan dilakukan pengecekan setelah dilakukan perbaikan terminasi.</p>