The tourism industry has become one of the sectors whose operations have been hampered due to the pandemic. Since the enactment of the new normal in the midst of the COVID-19 pandemic, several tourist attractions have been active again, including the Mount Kelud tourist area located in Kediri Regency. The problem is how the tourism sectors in the Kelud mountain area can regain tourist interest and loyalty after actively operating again. Therefore, the purpose of this paper is to examine the destination image factor, the Customer Relationship Management (CRM) factor which in this case refers to tourists, and tourist satisfaction with tourist loyalty to the Gunung Kelud tourist area, either partially or simultaneously. This research uses multiple linear regression method to 320 respondents. The results of the data distribution statement obtained, amounting to 3.15 which falls into the required scale category. From the modeling results, the regression value of the destination image decreased by 0.57%, customer relationship management increased by 12.1% and satisfaction increased by 30.9%. Partially, the destination image is worth 2,702 units, customer relationship management is 1,982 units and tourist satisfaction is 6,903 units for the loyalty of Mount Kelud tourists. Meanwhile, simultaneously that Destination Image, Customer Relationship Management and Customer Satisfaction are worth 21,402 units.

This community service program focuses on increasing productivity at the MSMEs Roti Abimanyu during the COVID-19 pandemic with a training scheme for the use of social media and marketplaces. The target to be achieved in this activity is to increase sales, marketing, and product ordering services through the use of information technology. This activity is carried out with training and assistance in utilizing e-commerce. The result of this activity is that MSMEs Roti Abimanyu have understood marketing techniques through social media and marketplaces.

The Kediri Government encourages the Smart City concept to be applied by all its people. The smart city concept also influenced Baso Aci Tata Snack to change its marketing method which initially used traditional methods to modern ways using sophisticated technology. Baso Aci Tata Snack is one of the MSMEs in Kediri City engaged in the culinary sector. The purpose of this service activity is to encourage MSME players of Baso Aci Tata Snack to have wise and effective knowledge about the use of digital media (marketplace) in their marketing activities so that their sales turnover can increase. The method used in this activity is the survey method. The results achieved in this activity are the knowledge and understanding of employees and owners of Baso Aci Tata Snack regarding the use of technology in determining strategies to go to marketplace. This service activity is very useful for Baso Aci Tata Snack because it can increase the profit to be obtained besides that the training carried out can increase the productivity of Baso Aci Tata Snack so as to improve employee welfare.

Penelitian ini bertujuan untuk menemukan bukti empiris pengaruh Return On Asset (ROA), Earning Per Share (EPS) dan Inflasi terhadap Return saham pada perusahaan yang terdaftar di Indeks Kompas 100 periode 2018-2020. Variabel Independen dalam penelitian ini adalah Return On Asset (ROA), Earning Per Share (EPS), dan Inflasi. Variabel dependennya adalah Return Saham. Jumlah sampel yang digunakan adalah 81 perusahaan dengan menggunakan metode purposive sampling. Teknik analisis yang digunakan adalah regresi linier berganda. Sebelum dilakukan analisis regresi linier berganda, data telah melewati uji asumsi klasik untuk memastikan bahwa model regresi linier telah memenuhi asumsi dasar untuk dilakukan uji regresi linier berganda. Berdasarkan hasil analisis ditemukan bahwa (1) ROA tidak  berpengaruh signifikan dengan arah positif terhadap Return Saham pada perusahaan yang terdaftar di Indeks Kompas 100 periode 2018-2020. (2) EPS berpengaruh positif dan signifikan terhadap Return Saham pada perusahaan yang terdaftar di Indeks Kompas 100 periode 2018-2020. (3) Inflasi berpengaruh negatif dan tidak signifikan terhadap Return Saham pada perusahaan yang terdaftar di Indeks Kompas 100 periode 2018-2020. (4) ROA, EPS, dan Inflasi secara simultan berpengaruh signifikan sebesar 11,6% terhadap Return Saham pada perusahaan yang terdaftar di Indeks Kompas 100 periode 2018-2020.

This study was conducted to examine the effect of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM) on Loan to Deposit Ratio (LDR). The research object of the State-Owned Enterprise Bank and the research data variables are sourced from financial reports that have been published and accessed through their respective web addresses. The data analysis technique used multiple linear regression with least squares equation and hypothesis testing using t-statistics to test the partial regression coefficients and F-statistics to test the significance of the effect together with a significance level of 5%. In addition, the classical assumption test was also carried out which included normality test, multicollinearity test, heteroscedasticity test and autocorrelation test. The results showed that the NIM variable showed a significant effect on LDR. The NPL variable has a significant negative effect on LDR. The CAR variable has a positive but not significant effect on LDR. The predictive ability of these three variables on the LDR in this study was 51.1%, while the remaining 48.9% was influenced by other factors that were not included in the research model.   Keywords : Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Non Perfoming Loan (NPL), Net Interest Margin (NIM)