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This study aims to optimize the utilization of the Local Government's asset in supporting Local Original Income (PAD) in Salatiga City, involving: (1) Asset lease to a third party not based on leasing tariff because Salatiga City Government has not had Local Regulation yet about redistribution of local wealth; (2) The direct use of income resulting from the asset leasing to the third party in which the leasing income is used directly for repairing the damaged object. It is because of an agreement loosely governing right and obligation; and (3) Inadequate supervision over object/asset that the third party can utilize. This research uses a survey method conducted in Salatiga, Central Java, Indonesia, which involves relevant regional apparatus organizations, resource persons, and community leaders. The local asset has strategic value. The quality of asset management should be improved along with the attempt to optimize local income. The effectiveness and efficiency of institutional management can be seen, among others, from the comparison between asset size and income. Asset management of Salatiga City Government is conducted, not merely referring to legislation. However, it should also pay attention to usefulness value to improve local original income and usefulness to the people. This research found that asset optimization is inhibited by the function sustainability of internal management and legislative technique.

This research aimed to determine the influence of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Return on Asset (ROA), Return On Equity (ROE), Loan on Deposit Ratio (LDR) between conventional and syariah banks in Indonesia. This study is quantitative research. The population in this study is Indonesian banking opened syariah unit those are 12 Syariah Bank (BUS). The sampling technique used was purposive sampling criteria; with result were 6 convensional and 6 syariah banks. Data analysis methods used in the study were multiple linier regression analysis, difference test paired sample T-Test and difference test Wilcoxon. The study showed Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Return On Asset (ROA), Return On Equity (ROE), Loan on Deposit Ratio (LDR) between conventional banks with syariah banks have significant contradiction.

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This study aims to investigate the influence of financial capability, networking, and intellectual capital on the business performance of micro, small, and medium enterprises (UMKM) in Sukabumi City. The research adopts a quantitative approach and is analyzed using SEM-SmartPLS version 4. The sample consists of 140 UMKM in Sukabumi City selected through quota sampling. The research findings demonstrate that financial capability and networking have a significant positive impact on UMKM business performance, and intellectual capital partially mediates this relationship. This study has several implications for policymakers, UMKM owners/managers, financial institutions, and business associations in Sukabumi City.