The aim of the study was to investigate the financial behavior of employees regarding financial literacy and spending habits based on gender. The cluster sampling was used in this study and 60 employees consist of 30 male and 30 females were chosen and the analytical method used is different test of independent sample t-test for normally distributed data, while Mann-Whitney test for distributed data is not normal. The result showed that financial literacy behavior and spending habits between male and female employees were not different. Male and female employees had low level of financial literacy and they had tight spending habits the study also found that male and female employees did not have appropriate knowledge to manage their financial especially in managing investment and loan. This result in increasingly tight spending which caused they still have to deal with the monthly instalment payment in the long run.

This research was conducted at SMK Negeri 11 Bandung. The problem examined in this study is that there are still schools that tend to be not transparent in managing school funds. The objectives of this study were: 1) to find out how the school funds management was described, 2) to find out whether the school was transparent in managing school funds and 3) to find out whether the school was accountable in managing school funds. The research method used is descriptive method with a quantitative approach. Tool for collecting data about transparency and accountability with non-test techniques in the form of questionnaires and interviews. The data analysis technique uses descriptive analysis. The results showed that the transparency of fund management at SMK Negeri 11 Bandung showed a transparent category with a percentage of 81.95% of the management accountability of the funds showing an accountable category with a percentage of 85.04%. Keywords. transparency; accountability; school fund management AbstrakPenelitian ini dilakukan di SMK Negeri 11 Bandung. Masalah yang dikaji dalam penelitian ini adalah masih adanya sekolah yang cenderung tidak transparan dalam pengelolaan dana sekolah. Tujuan penelitian ini adalah: 1) untuk mengetahui bagaimana gambaran pengelolaan dana sekolah, 2) untuk mengetahui apakah sekolah telah transparan dalam pengelolaan dana sekolah dan 3) untuk mengetahui apakah sekolah telah akuntabel dalam pengelolaan dana sekolah. Metode penelitian yang digunakan adalah metode deskriptif dengan pendekatan kuantitatif. Alat pengumpulan data tentang transparansi dan akuntabilitas dengan teknik non tes dalam bentuk kuisioner dan wawancara. Teknik analisis data menggunakan analisis deskriptif. Hasil penelitian menunjukkan bahwa transparansi pengelolaan dana di SMK Negeri 11 Bandung menunjukkan kategori transparan dengan persentase 81,95% akuntabilitas pengelolaan dana menunjukkan kategori akuntabel dengan persentase 85,04%. Kata Kunci: transparansi; akuntabilitas; pengelolaan dana sekolah.

Penelitian ini dilatarbelakangi oleh penurunan profitabilitas yang terjadi pada bank umum swasta nasional devisa tahun 2010-2014. Penelitian ini bertujuan untuk mengetahui 1) gambaran risiko kredit yang diukur dengan Non Performing Loan (NPL), 2) gambaran profitabilitas yang diukur dengan Return On Asset (ROA), 3) pengaruh risiko kredit terhadap profitabilitas. Metode penelitian yang digunakan dalam penelitian ini adalah deskriftif dan verifikatif. Teknik analisis yang digunakan adalah analisis regresi linear sederhana. Populasi dalam penelitian ini adalah Kelompok Bank Umum Swasta Nasional Devisa (BUSN Devisa) tahun 2010-2014 yang berjumlah 35 perusahaan. Sampel yang digunakan sebanyak 29 perusahaan pada bank umum swasta nasional devisa tahun 2010-2014 dengan menggunakan teknik pengambilan sampel purposive sampling. Hasil penelitian menunjukan variabel risiko kredit yang diukur dengan Non Performing Loan memiliki pengaruh negatif terhadap profitabilitas yang diukur dengan Return On Asset (ROA), artinya apabila risiko kredit meningkat maka tingkat profitabilitas akan menurun. Begitu pula sebaliknya apanila risiko kredit menurun maka profitabilitas meningkat.

Analisis Single Index Model dalam Membentuk Portofolio Optimal pada Saham Perusahaan Jakarta Islamic Index (JII) Periode 2016 - 2020

This study examines the seven primary dimensions of higher education sustainability: Curriculum, Research and Scholarship, Operation, Faculty Staff Development and Rewards, Outreach and Service, Student Engagement, and Administration-Mission & Planning. Based on Cluster 1, 2, and 3. This study looked at 146 higher education institutions (HEIs). A survey of 146 university lecturers was used to gather data and calculate the contribution of each dimension, and we used Confirmatory Factor Analysis (CFA). We discovered that HEIs' sustainability is significantly determined by faculty staff development and rewards, administration, mission, and planning. However, the Curriculum and Research & Scholarship sections were the weakest. Cluster 1 HEIs had the highest rate of institutional sustainability development, followed by Cluster 2 and 3, as expected. Cluster variability and patterns are also explored to reveal differences between variables. This paper presents a study of commonalities among several sets of learning outcomes for sustainable development in higher education and examples that might help HEIs choose acceptable learning outcomes for sustainable development. This paper is intended to stimulate conversation and forward-thinking, enriching a much-needed part of sustainability education.