This study focuses on the effectiveness of supervision and regulation conducted by Bank Indonesia (BI), the Financial Services Authority (OJK), and the Deposit Insurance Corporation (LPS) in maintaining financial system stability in Indonesia. (LPS) in maintaining financial system stability in Indonesia. Through a qualitative qualitative approach with a literature review method, this research explores the role of each institution and identifies potential overlaps in each institution and identifies potential overlapping regulations that could affect national financial stability. can affect national financial stability. The results show that BI, through consolidated supervision and macroprudential policies, plays a significant role in maintaining monetary and financial stability. OJK, with its overarching mandate over the financial services sector, has implemented various regulations to ensure the integrity and stability of the financial system. to ensure the integrity and stability of the financial system. LPS contributes by guaranteeing customer deposits and handling failed banks, as well as coordinating with BI and OJK to maintain banking stability. with BI and OJK to maintain banking stability. To improve effectiveness, it is recommended to strengthen inter-agency coordination, regulatory harmonization, supervisory capacity, macroprudential policy, education and transparency, and international collaboration to maintain financial system stability, support sustainable economic growth, and improve public welfare.

The aim of this research aims to investigate the impact of factors that influence students' readiness to undertake an entrepreneurial career in an academic environment. These factors include education, motivation, practical experience, and social support from universities. In addition, this research also identifies relevant business opportunities that can support students in their entrepreneurial preparation. The type of research used in this research is qualitative research with descriptive methods. The descriptive method is considered suitable for explaining the influence and business opportunities on students' readiness to become entrepreneurs. The data in this research report was obtained in accordance with books, journals, articles, theses, the internet and so on related to the research topic. The results of this research provide valuable insight into how universities can more effectively prepare students to become successful entrepreneurs. The conclusion is that students have great potential to start their own businesses as long as they have innovative ideas, relevant skills, and access to the necessary resources.
 
Keywords: Influence, Business Opportunities, Student Preparation, Entrepreneurship, Entrepreneurship Education, Motivation, Social Support, Academic Environment, Higher Education.

ROA is a ratio that describes a bank's ability to manage funds invested in all assets that generate profits. ROA is a picture of a bank's productivity in managing funds so as to generate profits. The purpose of this study was to determine the effect of NPF, FDR, and BOPO on ROA. This study uses a quantitative approach to the type of associative research. The population in this study is the financial statements of PT. Bank Muamalat Indonesia with the research sample used, namely the quarterly financial reports of PT. Bank Muamalat Indonesia for the 2012-2019 period. The data collection technique uses documentation, while the data analysis technique uses the Error Correction Model (ECM) method with the help of Eviews 9 software.

Increases in the prices of goods and services in general and occur continuously within a certain period of time, the calculation of inflation is carried out by the Central Bureau of Statistics. The purpose of this study aims to examine how the effect of Exchange Rates and Investment on North Sumatra Inflation. The method used in this study uses multiple linear regression analysis method. The results of the study show that exchange rates have a significant effect on inflation, and investment has a significant and positive effect on inflation.