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Non performing loans (NPL) is an indicator of debtor’s inability in credit repayment which indicates the presence of asymmetric information that might cause moral hazard. This research aims to measure the level of moral hazard and its determinants of micro and small enterprises debtors of Bank Jateng which have NPL. The data were collected from 58 debtors who were selected using simple random sampling. Rating scale method was used to measure the level of moral hazard while regression was used to analyze variables determining moral hazard. The research found that (1) the level of debtor’s moral hazard tends to be medium-to-high, (2) bank monitoring, debtor’s age, and business size are significant variables determining moral hazard. Hence, the research suggests that (1) the bank needs to apply some specific treatments to debtors with high moral hazard, (2) bank monitoring needs to be increased thus debtors are not comfortable to carry out moral hazard, (3) young debtors tend to be more daring to do moral hazard hence it needs special attention and treatment to them, (4) the debtors with larger scale business have the potential to do moral hazard therefore treatment needs to be differentiated with the smaller ones.

Food security is included in the second Sustainable Development Goals (SDGs), namely to overcome poverty, improve quality of life and regional development. This study aims to analyze the effect of population, income  per capita, rice production and poverty on the average per capita expenditure in Central Java Province in 2015-2019. The research method uses multiple linear regression with the penel data model. The results showed that the population and rice production had a significant effect on the average per capita expenditure in Central Java Province in 2015-2019. Meanwhile, income per capita and poverty not significant effect on average per capita expenditure in Central Java Province in 2015-2019.. The implication of government policy is to maintain food security in Indonesia and be able to reduce the population by streamlining the family planning program.

Pada saat ini perkembangan teknologi informasi yang semakin meningkat. Salah satu contoh nyata bahwa perkembangan teknologi seperti komputer, smartphone saat ini berperan penting dalam berbagai bidang, salah satunya yaitu bidang penyampaian informasi. PT Siap Andalan Paramitra bergerak di bidang penyedia jasa pengamanan (BUJP) dan sedang menghadapi satu permasalahan yaitu belum adanya penyampaian informasi yang terkoordinasi antara calon pelamar pekerja dan bagian penerimaan karyawan baru. Maka diperlukan suatu sistem penyampaian informasi yang di harapkan mampu mengatasi masalah tersebut. Permasalahan yang dibahas adalah bagaimana langkahlangkah pembuatan Sistem Informasi dengan aplikasi Android. Metode yang digunakan adalah grounded research yaitu suatu metode penelitian berdasarkan pada fakta dan menggunakan analisis perbandingan dengan tujuan mengadakan generalisasi empiris, menetapkan konsep, membuktikan teori, mengembangkan teori, pengumpulan dan analisis data dalam waktu yang bersamaan. Metode ini merupakan usaha untuk mendapatkan penyelesaian dari permasalahan Sistem Informasi Penerimaan dan Penugasan Personil Pengamanan PT. SIAP ANDALAN PARAMITRA.