This research aims to determine the effect of Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), and Operational Cost to Operational Income (BOPO) towards Bank Profitability (Return on Equity) that listed on Indonesia Stock Exchange through Covid-19 pandemic in 2020 period. The population of data that used in this research are all banks listed on the Indonesian Stock Exchange. The sample selection in this research used a purposive sampling method with 3 criteria, so 14 banks with a higher amount of equity have been selected as a samples. Using the financial statement from quarter 1 until quarter 4 in year 2020, so the sample that will be tested amount as 56 data. The data analysis method in this research is multiple regression analysis using the SPSS version 16 application program. The research shows the result that NIM and BOPO did not have an effect to bank profitability (ROE), while LDR has negative effect to ROE. Where NIM, LDR, and BOPO simultaneously have an effect on ROE of 57.1% while the remaining 42.9% is influenced by other variables which are not used in this research.

People with disabilities owned the same right to obtain employment to be civil servants. The government had created plenty of regulations to guarantee the right to obtain a job, starting from statutory regulations and various implementing regulations. However, a few problems in the scope of employment in government agencies still occur during this time, such as unachievable quotas, failure in procurement, and inequality for persons with disabilities. Moreover, it was not following the number of regulations that have been published. Hence, we were interested in analyzing the contents of the civil servant candidate recruitment policy and its implementation in 2017 through 2019 using a normative-empirical juridical approach, which was presented in a descriptive form. The Researchers examined statutory regulations and implementing regulations, supported by interview data from the stakeholders. In terms of content, the laws and regulations accommodated it quite well. Even though there were bad things, such as the Civil Servant Management regulation and technical regulations regarding the needs of employees in 2017 and 2018, that was considered discriminatory. Furthermore, Ministries and local governments have not fully followed the policies as written in the regulations. Briefly, there was an evolution of the regulations year by year; they were yet needed to improve policy content, although the policies continued to evolve for the better.

The research is aimed to identify the needs for teacher’s personal mastery at SMA Negeri 111 Jakarta,from tracing the gap, the gap factor, to select a range of interventions that made it possible to develop personalmastery. Needs assessment adapted Mager and Pipe model (1970) and Rosset’s performance analysis model (2009).The research was conducted at SMA Negeri 111 Jakarta from April through Mei 202, using sampling purposive.All active teachers, the Principal, and representatives of SMA Negeri 111 Jakarta second-grade students weresample. Data was gathered by using questionnaires and interviews. Questionnaires were analyzed by descriptivestatistical methods, while the interviews through data reduction, data presentation, and conclusion. The resultrevealed that there were gaps on the dimension of self-awareness, perceptual acuity, emotional mastery, flexibilityand adaptability, autonomy, and creative resourcefulness. Keywords : needs assessment, performance, gap, intervention, personal mastery