Banks is an institution, which has mainly activity is fund deposit from people then credit it for them in generating income. The business is a kind service provider from and into people so it needs public trust. Profitability is one of indicator appropriate to measure the bank performance. Return on Assets (ROA) is measure ability of the bank's management in benefits through total assets owned. The greater the ROA shows the better financial performance due to the greater profit. The purpose of this research is to prove the effect of Operating Expenses and Operating Income Ratio, Net Interest Margin (NIM), Non-Performing Loan (NPL) and Loan to Deposit Ratio (LDR) on bank performance measured by Return On Asset (ROA). The study focused on descriptive quantitative analyses using Ordinary Last Square method (OLS). The result of the research showed that partially NPL and NIM had positive and not significant influence on ROA, but LDR and BOPO had negative and significant influence on ROA. Keywords: financial ratio, and bank performance.

The marketing strategy phenomenon improves significantly, narrowing from a general to a specific cultural ethnicity base and from variable to dimension analysis. This study examines the impact of culture, brand image and price on buying decisions. The study population comprised retail consumers in the sampled area of Situbondo, East Java, Indonesia. A multi-stage sampling technique was used to derive a sample of 112 respondents as a primary data source – descriptive statistics allows for the demographic characteristics of retail consumers in East Java, Indonesia. Surprisingly, the data showed that gender involvement in buyer decision-making was dominant. Most retail customers were identified as private-sector employees and indicated for higher income earners. Responses were then analyzed using multiple linear regressions to answer the research hypotheses. The results showed that Hofstede’s culture dimension and the brand image and price significantly affected consumer buying decisions at retail stores in East Java, Indonesia. Regarding the strength of Islamic culture in East Java, price was the primary consideration in buying decisions. Further research, preferably using ethnographic approaches with an emphasis on qualitative research, is needed to investigate the implications of these relationships. AcknowledgmentWe would like to thank the Research Centre (LP2M) of University of Jember, East Java, Indonesia, for their support and funding. We also want to thank Rusdiyanto, a Ph.D. student from the Faculty of Economics and Business, Universitas Airlangga, Surabaya, Indonesia, for his helpful discussions and contributions.

AbstrakKondisi di Kabupaten Jember dari tahun ke tahun pertumbuhan ekonominya cukup tinggi, tetapi tingkat kemiskinannya sangat tinggi juga. Penelitian ini bertujuan untuk mengetahui pengaruh investasi dan inflasi terhadap jumlah penduduk miskin dikabupaten Jember tahun 2000-2015. Metode yang digunakan dalam penelitian ini adalah regresi linier berganda. Data yang digunakan adalah data sekunder yang terbentuk dalam runtut waktu (time series). Data yang digunakan meliputi investasi, inflasi di kabupaten Jember selama 16 tahun yaitu tahun 2000-2015. Berdasarkan hasil penelitian, dapat diketahui bahwa variabel investasi tidak berpengaruh signifikan terhadap jumlah penduduk miskin di Jember, sedangkan Inflasi berpengaruh signifikan terhadap jumlah penduduk miskin di Jember.Kata kunci: investasi, inflasi dan jumlah penduduk miskin. AbstractConditions in Jember Regency from year to year economic growth is quite high, but the poverty level is very high as well. This study aims to determine the effect of investment and inflation on the number of poor people in the district of Jember in 2000-2015. The method used in this research is multiple linear regression. The data used are secondary data formed in time series, the data used include investment, inflation in Jember district for 16 years in the year 2000-2015. Based on the results of the research, it can be seen that investment variables do not significantly affect the number of poor people in Jember, while Inflation has a significant effect on the number of poor people in Jember.

Economic development of a country aims to increase social welfare by expanding employment opportunities and direct distribution of income evenly. Uneven economic development would be problematic one of them is unemployment. Unemployment is a complex problem that can lead to social phenomena in society as someone who did not work so it does not earn. It is therefore necessary to find a solution to overcome the problem of unemployment. This study aims to determine the effect of the minimum wage, the labor force and economic growth on unemployment in Central Java province in 2009-2014. The analytical method used in this research is panel data regression with fixed effect model approach (FEM). Based on the analysis, it is known that variable minimum wage a significant negative effect on the variable open unemployment in Central Java, a variable workforce positive and significant effect on the variable open unemployment in Central and variable economic growth does not significantly influence the variables of unemployment in Central Java. Keywords: Unemployment, Minimum Wages, Labor Force, economic growth

AbstrakTujuan penelitian untuk mengetahui besarnya pengaruh pertumbuhan ekonomi, jumlah angkatan kerja dan upah minimum regional terhadap pengangguran terdidik di Jawa Timur. Data yang digunakan dalam penelitian ini adalah data sekunder yang berupa data time series dan cross section. Metode analisis yang digunakan adalah analisis regresi data panel. Hasil penelitian menunjukkan bahwa pertumbuhan ekonomi berpengaruh positif dan tidak berpengaruh signifikan terhadap pengangguran terdidik di Jawa Timur, sedangkan jumlah angkatan kerja dan upah minimum regional berpengaruh positif dan signifikan terhadap pengangguran terdidik di Jawa Timur. AbstractThis research aimed to determine how much the influence of economic growth, the number of labor force and regional minumum wages on educated unemployment in East Java. The data used in this research is secondary data such as time series and cross section. The analytical method used in this research is panel data regression analysis. The results showed that variable of the economic growth was positifly and not significantly affect to the educated unemployment in East Java, whereas the number of labor force and regional minimum wages was positivly and significantly affect to the educated unemployment in East Java.