This study aims to find out perspectives on the role and authority of the Financial Services Authority in bankruptcy cases at insurance companies in Indonesia. OJK is an independent body that is free from government interference in its duties, functions and authority to supervise, inspect and conduct investigations in the financial services sector so as to create a good national economy. Within the scope of supervision in the insurance sector, the Financial Services Authority has the authority relating to submitting bankruptcy declaration requests to insurance companies in order to protect the interests of insurance policy holders. Arrangements regarding the authority of the Financial Services Authority in submitting requests for bankruptcy statements against insurance companies are regulated in Law no. 21 of 2011 concerning the Financial Services Authority. The research uses a qualitative descriptive approach using secondary data obtained through library research. The role of the Financial Services Authority in the bankruptcy of an insurance company is to oversee the course of the insurance company's bankruptcy until liquidation and to ensure that the insurance company has paid all its obligations to creditors.

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.

Penelitian ini menerapkan dua metode regresi yaitu Decision Tree dan linear berganda untuk memprediksi Body Mass Index (BMI) berdasarkan variabel-variabel lainnya pada dataset Asthma. Metode Decision Tree merupakan salah satu cara data processing dalam memprediksi masa depan dengan cara membangun klasifikasi dan regresi model dalam bentuk struktur pohon. Analisis regresi linear berganda merupakan model regresi yang melibatkan lebih dari satu variabel independen. Analisis regresi linear berganda dilakukan untuk mengetahui arah dan seberapa besar pengaruh variabel independen terhadap variabel dependen. Untuk mengukur tingkat keakuratan model peramalan, digunakan suatu ukuran keakuratan MAPE (Mean Absolute Percentage Error). Hasil MAPE menunjukkan nilai rata-rata prosentase kesalahan mutlak dari nilai sebenarnya dengan nilai peramalan. Pada penelitian ini, metode regresi linear berganda menunjukkan hasil yang lebih baik dengan nilai MAPE berturut-turut sebesar 12,737%; 12,76%; 12,89%; dan 12,99% untuk proporsi data uji berturut-turut 10%, 20%, 30%, dan 40% sedangkan nilai MAPE dari metode regresi Decision Tree sebesar 12,758%; 12,79%; 12,92%; dan 13,13%. Apabila digunakan ukuran kebaikan yang lain seperti MAE dan RMSE akan memberikan hasil yang analog, sedangkan ukuran kebaikan R2 berkebalikan. Penelitian ini dapat dilanjutkan dengan membandingkan hasil yang diperoleh dengan menggunakan metode lain dalam machine learning seperti Support Vector Machine (SVM), random forest, Artificial Neural Network (ANN), dan lain-lain.

Penelitian ini bertujuan Meningkatkan Produktivitas dan Keuntungan Industri Tempe Skala Kecil di Kota Malang melalui Penentuan dan Penggunaan Modal Kerja yang Optimal. Pengelolaan modal kerja sangat penting bagi perusahaan, terutama dalam hubungannya dengan pertumbuhan penjualan dan kebutuhan permodalan aktiva lancar yang dekat dan langsung. Namun, banyak industri tempe belum menganalisis kebutuhan modal kerjanya, sehingga penelitian ini diharapkan dapat memberikan sumbangan pemikiran bagi industri terkait untuk mengembangkan usahanya. Dalam penelitian ini, metode saldo rata-rata dan metode keterikatan dana dan pengeluaran kas digunakan untuk menentukan jumlah kebutuhan modal kerja. Hasil analisis sensitivitas pada industri tempe Pak Didiek Karim menunjukkan bahwa penurunan kapasitas produksi hingga 80% dan kenaikan harga kedelai hingga 60% masih menguntungkan, namun peningkatan harga kedelai dapat berdampak negatif pada keuntungan. Overall, penelitian ini memberikan gambaran yang jelas tentang kebutuhan modal kerja pada industri kecil tempe di Kota Malang.

The focus of the discussion within this research is on understanding moral values in Catholic Family education. In the midst of a world that is shaken by various storms of decline in moral values, such as consumerism, individualism, and hedonism, this has made dangerous impact toward the education of Catholic families. The family, especially the Catholic family, has a role as well as a responsibility to provide direction so that every member in the Catholic family survives from various challenges and threats of moral decline. The Catholic Church, through the Apostolic Exhortation –Familiaris Consortio, has provided direction in the efforts of Christian families to maintain moral values. Familiaris Consortio should be the basis for education meaning by Catholic families so that the Sacrament of Marriage can be interpreted seriously and minimize Catholic marriages that fail in the middle of the journey. This study will be divided into four main discussions that can help Catholic families upgrading moral values in their role in educating. The four discussions are: The situation of the family in today's society, the rights and obligations of parents regarding education, educating in the essential values of human life, and the mission of Education and the Sacrament of Marriage.

The Covid-19 pandemic is very dangerous and has resulted in many activities being delayed and causing new regulations to prevent it. The Covid-19 pandemic has also had an impact on air transportation modes, especially for Avsec (Aviation Security) officers. The purpose of this study was to determine whether the work environment and discipline had an effect on the performance of Avsec officers at Juanda International Airport, Surabaya. Using the quantitative method a sample of 80 Avsec officers. Data was collected by distributing questionnaires, which were then processed through SPSS version 25. As a result of the study, there was a significant simultaneously and partially significant effect on the performance of Avsec officers with a significance value of 0.00 < 0.05 and a significant value of work environment variable 0, 00 < 0.05 means that the work environment partially affects the performance of Avsec officers, while the discipline variable has a significant value of 0.00 < 0.05, which means that the discipline variable affects the performance of Avsec officers. The effect of work environment and discipline on Avsec (Aviation Security) officers is 69.1% while the remaining 30.9% is influenced by other variables.

KEPUTUSAN PEMBELIAN KONSUMEN SAYURAN DI MINI MARKET SAWOJAJAR
KEPUTUSAN PEMBELIAN KONSUMEN SAYURAN DI MINI MARKET SAWOJAJAR

KEPUTUSAN PETANI DALAM USAHATANI APEL
KEPUTUSAN PETANI DALAM USAHATANI APEL
 

<p><span>Penilaian saham merupakan suatu hal penting yang perlu dilakukan bagi investor dalam melakukan kegiatan investasinya. Hal ini dilakukan dengan tujuan untuk meminimalisir risiko dan memaksimalkan keuntungan yang merupakan syarat dan karakteristik saham <em>hight risk</em> – <em>hight return</em>. Investor dapat melakukan penilaian saham secara fundamental yaitu dengan memperhatikan kondisi kinerja keuangan sebagai dasar untuk pengambilan keputusan. Penelitian ini dilakukan untuk mengetahui harga wajar suatu saham pada perusahaan subsektor perbankan pada periode 2021. Penilaian saham dilakukan berdasarkan dua pendekatan yaitu <em>Dividen Discount Model</em> dan <em>Price Earning Ratio</em>, dari 47 perusahaan subsekektor yang terdaftar sebanyak 12 perusahaan memenuhi kriteria dan dipilih sebagai sampel. Hasil penelitian menunjukkan bahwa dari 12 perusahaan terpilih, terdapat 10 perusahaan yang berada dalam kondisi undervalued dan 2 perusahaan yang berada dalam kondisi <em>overvalued</em>. Dalam kondis <em>undervalued</em> invetor dapat mengambil keputusan dengan membeli saham tersebut, sedangkan pada perusahaan yang berada pada <em>overvalued</em> invetor dapat menjual saham.</span></p><p><span><em>Stock valuation is an important thing that needs to be done for investors in carrying out their investment activities.</em><em>  This is with the aim of minimizing risk and maximizing profits which are the terms and characteristics of hight risk – hight return.  Investors can make stock valuation fundamentally by taking into account the condition of financial performance as a basis for decision making. This research was conducted to determine the fair price of shares in banking sub-sector companies in the 2021 period. Stock valuation was carried out based on two approaches, namely the dividend discounted model and the price earning ratio, of the 47 registered sub-sector companies, 12 companies met the criteria and were selected as samples. The results showed that of the 12 companies selected, there were 10 companies that were undervalued and 2 companies that were overvalued. In undervalued conditions, investors can make decisions by buying these shares, whereas in overvalued companies, investors can sell their shares.</em></span></p><p><span><br /></span></p>

This study aims to find out and Identify the extent of the influence of educational supervision on teacher performance at PAB 1 Medan Estate Private Junior High School. Efforts to improve quality Education needs to be done gradually with reference to the strategic plan. Involvement of all components of education (teachers, principals, communities, committees schools, boards of education, and institutions) through good planning and realize the launched educational program. The supervision of education carried out by the Principal has a positive effect and significant to changes in teacher performance. Teacher performance will be improved if Supervision of the principal's education in the form of leadership and supervision Improved.