Penelitian ini menganalisis kinerja laporan keuangan PT Bank BNI, yang berdasarkan laporan keuangan periode 2018-2020. Tujuan dari penelitian ini adalah untuk mengetahui kinerja keuangan PT Bank BNI berdasarkan rasio likuiditas, solvabilitas, dan profitabilitas. Subjek penelitian ini adalah PT Bank BNI dan objek penelitian ini adalah laporan keuangan PT Bank BNI periode 2018-2020. Jenis data yang digunakan adalah data sekunder dan sumber data didapatkan dari website resmi Bursa Efek Indonesia. Teknik analisis data yang digunakan dalam penelitian ini adalah analisis deskriptif kuantitatif melalui tabel. Hasil analisis menunjukkan bahwa rasio likuiditas BNI, seperti Quick Ratio dan Loan to Deposit Ratio berada dalam kondisi sehat, meskipun terdapat penurunan dalam Quick Ratio. Rasio solvabilitas yang mencakup Primary Ratio dan Risk Assets Ratio menunjukkan kondisi sehat dengan beberapa fluktuasi. Namun, rasio profitabilitas terutama Return on Assets dan Return on Equity menunjukkan penurunan signifikan, terutama pada tahun 2020 yang terindikasi masalah dalam pengelolaan aset dan modal perusahaan. Meskipun BNI menunjukkan stabilitas dalam likuiditas dan solvabilitas, terdapat tantangan signifikan terhadap profitabilitas yang memerlukan perhatian. Saran untuk BNI yaitu memperbaiki pengelolaan aset dan penurunan beban bunga untuk meningkatkan laba bersih. Perbaikan ini penting untuk memastikan kesehatan keuangan investor di masa depan dan kepercayaan terhadap bank.

Tadris Mathematics students have difficulty understanding complex analysis courses when studying independently because many students still lack confidence in doing assignments and only rely on help from others. Learning difficulties greatly affect learning independence. This study aims to determine the level of difficulty in learning complex analysis based on students' learning independence. The research method used in this research is descriptive with a qualitative approach. The data collection technique used was purposive sampling by distributing questionnaires in the form of google forms given to 20 students of the Tadris Mathematics study program at UIN K.H Abdurrahman Wahid Pekalongan. Then the researcher conducted interviews with three students as representatives of classes A, B, C. The results of the study show that in general, Tadris Mathematics students have learning difficulties based on independence and difficulty understanding language in complex analysis courses. This learning independence can create students' ability to control and organize themselves in carrying out learning activities.

Indonesia is one of the countries that is the lungs of the world. This country has extraordinary environmental potential, starting from natural resource conditions (biological and non-biological diversity), geographical conditions, and demographic conditions that other countries do not have. The gifts given by Allah SWT to all His creatures, especially humans, must be used well or wisely. Utilizing these gifts to meet the needs of living creatures must be accompanied by great responsibility in protecting and managing them so that their sustainability is maintained (sustainability). Ironically, if we look at the current facts, the situation is the opposite. Our various daily activities, from small to large scale, individually and collectively (society), contribute to air pollution, water pollution, soil pollution, land degradation, loss of biodiversity and germplasm, resource and energy crises, and the peak is global warming. The behavior of throwing rubbish and waste carelessly, wasting energy, using vehicles with high emissions, and various other bad activities among the majority of Indonesian people is still very worrying. This is still done by many people who are highly educated or not, rich or poor, young and old, and men and women.

This study aims to analyze the contribution of taxes and levies in a country's economy, focusing on the case of Indonesia. Taxes and user charges are fiscal policy instruments that play an important role in collecting government revenue to finance various development activities and public services. However, there are still various challenges in optimizing the contribution of these two instruments. The research method used is descriptive qualitative analysis, by conducting a literature review and case study of the tax and levy system in Indonesia. The results of the analysis show that taxes and user charges contribute significantly to the Indonesian economy, but there are problems such as low public tax awareness, potential tax leakage, and lack of transparency in the management of local user charges.

This research discusses the importance of educational character in preventing bullying in educational units. Character education is an educational system whose learning can influence everyone, especially education to demonstrate moral values, ethics and civic attitudes towards oneself and others. However, character education is currently a challenge in its implementation, especially with the rise of problems such as verbal and non-verbal bullying among students. Moreover, now the problem of bullying does not only occur in ordinary schools, but can also occur in international schools. One of the factors is a lack of ability to control behavior, an inability to manage emotions which ultimately triggers a desire for revenge in order to adapt to the environment. The strategies needed to overcome bullying include teacher sensitivity towards students, creating a safe atmosphere, forming an anti-bullying team, and conducting outreach about the dangers of bullying.

The purpose of this research is to make the younger generation aware of the importance of increasing their potential to compete in the world of work because given the current global situation which is increasingly competitive. The research method used is a qualitative research method using data collection techniques carried out by triangulation (combined). The results of this study are that the younger generation is said to be competitive if it has the ability to adapt to change, solve problems, think creatively, and communicate well. With the level of education in Indonesia, the quality still needs to be improved. Skills and competencies must continue to develop in the midst of the progress of the current global era. The innovation and creativity of the younger generation has developed positively, this must continue to be monitored for the nation. Character development is also important because it can create independent, resilient and confident young people who are ready to compete in the world of work. The readiness of the younger generation in the world of work also needs to be considered with higher and tiered levels of education being one of the efforts to improve quality in competing in the world of work.

The correlation between environmental ethics and societal behavior has become an increasingly important subject in the context of environmental conservation. This article presents a literature review of the relationship between individual environmental ethics and community behavior in the context of environmental conservation efforts. Through searching various journals and related publications, we identified key themes, findings and trends in this research. Research shows that environmental ethical values, environmental awareness, and social norms play a key role in shaping individual and collective behavior towards the environment. Factors such as education, personal experiences, and social pressures also influence how individuals and societies respond to environmental issues. Policy implications and suggestions for future research are also discussed.
 

This research aims to formulate a social forestry management strategy for HKm Sulian Besar in Keban Jati Village, Air Nipis District, South Bengkulu Regency. This research was carried out from July to August 2024 in Keban Jati Village, Air Nipis District, South Bengkulu Regency, Bengkulu Province. The research location was carried out in the Sulian Besar Community Forest. This research uses a combination method (mixed) dominantly qualitative and less dominantly quantitative. To recommend strategies for community forest management (HKm) that have achieved economic, social and ecological and institutional benefits by identifying using SWOT analysis to analyze various factors systematically. The position of the community forest management strategy in HKm Sulian Besar, Keban Jati Village, Air Nipis District, South Bengkulu Regency is in quadrant III, namely the turn around strategy where the implementation of the social forestry program of the community forest scheme has great opportunities but there are internal weaknesses so you have to choose the right strategy so that weaknesses are not reduce the odds. Alternative strategies that can be implemented include restructuring group institutions, increasing institutional, technical and marketing capacity, improving cultivation patterns and conducting effective NTFP marketing.

Reducing the area of agricultural areas, especially paddy fields into palm oil plantations in the use of space in Mukomuko Regency, has raised concerns about the impact of these changes, namely the decline in rice productivity, which if allowed to drag on could lead to food insecurity due to the decreasing number of functional paddy fields. into oil palm plantations, especially in areas that are designated as agropolitan in the Mukomuko Regency spatial planning. Time and Place of Research: Research was conducted from October to November 2023 in Muko-Muko Regency, Bengkulu Province. To find out the strategy for managing land conversion, SWOT analysis is used. The results of the research show that the position of controlling the conversion of wetland agricultural land is in quadrant I, namely the position with an aggressive strategy (S-O). In this case the recommended strategy is to utilize strengths to take advantage of existing opportunities. Alternative strategies that can be implemented by policy makers, in this case the Mukomuko district government, to prevent the conversion of rice land to oil palm are clear regulations and establishing clear rice field zones in spatial plans, improving government policies in the farming sector, improving institutions in the farming sector, empowerment and socialization regarding land conversion regulations and improving agricultural facilities and infrastructure

Rencana strategis Kemendikbud 2020 – 2024 yaitu mendukung visi dan misi Presiden untuk mewujudkan Indonesia maju, berdaulat, mandiri dan berkepribadian melalui terciptanya Pelajar Pancasila yang bernalar kritis, kreatif, mandiri, beriman, bertakwa kepada Tuhan Yang Maha Esa dan berakhlak mulia, bergotong royong serta berkebinekaan global. Visi ini diintegrasikan dalam kegiatan pembelajaran dengan mengembangkan bahan ajar berbasis Learning Cycle 7E untuk memfasilitasi pengembangan karakter. Penelitian ini bertujuan untuk menghasilkan bahan ajar, mengetahui tingkat keterbacaan, perkembangan karakter dan respons serta hasil belajar kognitif peserta didik. Jenis penelitian yaitu Reseach and Development (R&D) dengan pengembangan ADDIE (Analyze, Design, Develop, Implement, Evaluate). Bahan ajar diuji kelayakan dan respons peserta didik menggunakan angket, uji keterbacaan menggunakan tes rumpang, pengembangan karakter menggunakan observasi dan hasil belajar menggunakan soal pretest posttest. Hasil uji kelayakan bahan ajar diperoleh kriteria sangat layak. Hasil uji keterbacaan bahan ajar diperoleh kriteria tinggi. Hasil observasi karakter pada pertemuan terakhir diperoleh kriteria membudaya. Hasil uji respons peserta didik diperoleh kategori sangat baik. Berdasarkan perhitungan N-gain tingkat hasil belajar kognitif peserta didik diperoleh kategori sedang. Dari hasil analisis data tersebut disimpulkan bahwa bahan ajar layak digunakan untuk mengembangkan karakter dan meningkatkan hasil belajar kognitif peserta didik