The growth of MSMEs cannot be separated from the competitiveness of products between MSME actors. Competitiveness is an important factor in the success of MSMEs themselves. Several factors that can affect competitiveness include Work Ability and Work Motivation. Both variables are very important in increasing competitiveness which can then accelerate the growth of MSMEs. This study uses the PLS 3.0 Data Analysis method. The results of the study showed that work ability has a positive effect on Competitiveness, while Work Motivation does not affect the Competitiveness of MSMEs in DIY.
 

Banking is an important sector for a country's economy, therefore maintaining banking stability is very important because if there is a problem it can have a direct impact on economic conditions in that country. One of the factors that influences growth stability is competition. This research aims to determine the effect of competition on banking stability in Indonesia. This research was carried out with data samples from 43 banks in the 2018-2021 period. The analytical tool used was Z-score value analysis, the Leaner Index with Stata 17.0 panel data regression. The research results show that competition can explain the dependent variable, namely stability of 5.20%.