The purpose of this study was to determine the effect of own capital and people's business credit on the income of MSMEs in the South Tambun area. This study uses primary data with a sample of 325 MSMEs in the South Tambun area calculated using the Taro Yamane formula. Quantitative method was used as the research method. The data analysis used in this research is PLS-SEM using SmartPLS 4.0 software. The results of hypothesis testing show that (1) Own Capital has a positive and significant effect on MSME income; (2) People's Business Credit has a positive and significant effect on MSME income; (3) (3) Own capital has a positive and significant effect on People's Business Credit; (4) Own Capital and People's Business Credit have a positive and significant effect on MSME income. This research is limited because it was only conducted in South Tambun District with variables of Own Capital, People's Business Credit and MSME Income.

This research examines the application of the Analytical Hierarchy Process (AHP) and Technique for Order Preference by Similarity to Ideal Solution (TOPSIS) methods in determining the best graduate students in the Ners Professional Study Program at Muhammadiyah University of East Kalimantan. The third step of the AHP method involves converting the values in the pairwise comparison matrix to decimal form, which is then normalized to calculate the priority weight of each criterion and sub-criteria. Next, checking the logic of the criteria and designing AHP-TOPSIS for ranking were carried out. The analysis showed that AHP resulted in 5 ranking changes with a percentage change of 4.4%, while TOPSIS resulted in 3 ranking changes with a percentage change of 3.9%. From these results, the AHP-TOPSIS method proved to have an accuracy of 83.00%. This article also presents a comparison between AHP, TOPSIS, and AHP-TOPSIS methods, where the best student selected is Dinda Ayu Framaisella. This research provides practical guidance for decision makers in solving multi-criteria problems and contributes to the selection of the best graduate students with a comprehensive and accurate approach.

Teachers' literacy teaching creativity is the ability of teachers to constantly develop literacy materials or lesson materials and be able to create an interesting and active atmosphere and be able to modify lessons.  Creativity development in literacy learning is also very important and teachers are required to demonstrate and show the creativity process. One alternative that teachers can do is to create, compile and develop effective, efficient and creative literacy teaching materials.  This study aims to determine the development of teacher creativity in making reading, writing and counting teaching materials. The method used was descriptive qualitative method. The research subjects were teachers in Cimanggu sub-district. The results of this study indicate that: creative teachers are teachers who are able to develop pedagogical skills, namely being able to compile more varied teaching materials. In addition, they are able to improve pedagogical skills in developing reading, writing and counting literacy teaching materials so that learning becomes more innovative and effective. The development of quality literacy teaching materials can support human resources who are more competent, creative, productive and have high fighting values to face the era of globalization.