Penelitian ini bertujuan untuk menilai kesehatan bank menggunakan metode Risk Based Bank Rating (RBBR pada BPRS di Provinsi Riau. Populasi dan sampel di dalam penelitian adalah 2 Bank BPRS di Provinsi Riau yaitu BPRS Berkah Dana Fadhlillah dan BPRS Hasanah. Metode analisis yang digunakan adalah analisis deskriptif kuantitatif dengan menghitung nilai komposit RBBR untuk mengetahui tingkat kesehatan bank dari tahun ke tahun. Hasil penelitian menunjukkan BPRS Berkah Dana Fadhlillah dalam kondisi sehat dan BPRS Hasanah dalam kondisi kurang sehat. BPRS Berkah Dana Fadhlillah perlu mengelola aset produktif yang diklasifikasikan yang dapat mengandung potensi tidak memberikan penghasilan atau bahkan menimbulkan kerugian sehingga meningkatkan kualitas aset produktif secara keseluruhan. BPRS Hasanah perlu melakukan restrukturisasi keuangan untuk mencapai efisiensi operasional sehingga meningkatkan rentabilitas di masa yang akan datang.

Industrial plantation forest is a plantation forest established in order to increase the potential and quality of the production forest by implementing an intensive silvicultural system to meet the raw material needs of the forest product industry. In realizing the development of HTI, many parties and stakeholders are involved, one of which is the community, to be precise, the people living around the industrial forest area, whose existence cannot be separated from the forest, must receive attention, especially from the company owning the HTI concerned. The location of this study is in Bengkalis Regency, focused on the Bukit Batu District (Babad Bakul and Sukajadi Villages). In each research village, 25 samples consisting of 10 households and 15 key informants were selected purposively (purposive sampling). Information was collected through interviews and focus group discussions (FGD). Primary and secondary data are used in this study, both quantitative and qualitative. Primary data was collected through structured and semi-structured interviews, focus group discussions (FGD), and direct village observations). The results of the identification of social impacts found several negative impacts from the existence of HTI companies on the people in the survey villages, namely land ownership conflicts, labor recruitment, and road dust that interfered with the residents' health. Although the positive impact felt by the community from the presence of HTI companies is CSR assistance for activities carried out by local residents, such as commemorating the anniversary of Indonesia's independence year, sports competitions, and others. Recommendations for impact management and monitoring plans, namely the establishment of an active participatory communication system and facilities involving all levels of society, development of educational programs, knowledge and skills of local communities that support entrepreneurial activities, establishing safety and security systems and facilities together with surrounding communities involving government agencies and local NGOs/NGOs and MPAs, evaluate all activities and documentation of CSR funding assistance that has been carried out, involve local contractor staff if there is relevant internal training or workshops as an effort to improve the quality of human resources, and prepare important material suitable for consumption by the community with activity photo designs interesting and easily understood by the general public.

Tujuan penelitian adalah untuk menganalisis pengaruh financial knowledge, financial attitude dan income terhadap financial behavior pada Usaha Mikro Kecil dan Menengah di Kecamatan Marpoyan Damai. Penelitian ini dilaksanakan dengan metode deskriptif dan kuantitatif yang menggunakan data sekunder. Sampel dalam penelitian ini adalah 37 UMKM di Kecamatan Marpoyan Damai Kota Pekanbaru dengan metode purposive sampling. Hasil penelitian  membuktikan bahwa pengetahuan keuangan yang tinggi pada seseorang tidak menentukan pula seseorang tersebut juga akan memiliki pengetahuan keuangan yang baik pula terhadap perilaku keuangan. Sikap keuangan yang tinggi akan mempengaruhi dalam perilaku seseorang maka akan semakin baik pula financial behavior dan juga seseorang yang memberikan suatu persepsi yang baik terhadap perilaku keuangannya maka individu tersebut dapat melakukan perilaku keuangan yang bijak dan bertanggung jawab. Individu yang memiliki pendapatan yang tinggi mampu mengelola pengeluaran mereka dengan baik, yang disebabkan oleh perilaku yang baik pula dan bertanggung jawab dan kecendrungan berpikir yang panjang. The purpose of the study was to analyze the effect of financial knowledge, financial attitude and income on financial behavior in Micro, Small and Medium Enterprises in Marpoyan Damai District. This research was conducted using descriptive and quantitative methods using secondary data. The sample in this study were 37 MSMEs in Marpoyan Damai District, Pekanbaru City with purposive sampling method. The results of the study prove that a person's high financial knowledge does not determine that someone will also have good financial knowledge on financial behavior. A high financial attitude will affect a person's behavior, the better financial behavior will be and also someone who gives a good perception of his financial behavior, the individual can perform wise and responsible financial behavior. Individuals who have high incomes are able to manage their expenses well, which is caused by good and responsible behavior and a tendency to think long term.

This study aims to analyze the financial behavior of investors in terms of cognitive bias towards receiving information when making investment decisions in various financial securities. The method used is descriptive analysis with investors in Pekanbaru as a sample. The results of the study prove that in general, investors will behave normally. However, when faced with a variety of information, decision making will be quite biased when faced with a heuristic group. The level of investor bias will be very high in the reaction bias group. This group considers the existence of experience, different types of investment, as well as the delivery of information and a certain time will change investment needs after adjustments are made to the information.

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