Capital has an important role in banking operations, in addition to indicating the fulfillment of capital regulations also serves to anticipate future risks. Studies of ROA-mediated capital buffers are still rare. This study aims to investigate the role of return on assets as mediation on the influence of loans to total assets (LOTA) and non performing loans (NPL) on capital buffers. This study is conducted by using path analysis research conducted on commercial banks owned by the government with an observation period from 2015 to 2020. The existence of interference, especially on the funding side, is one of the characteristics of the company's bank. The results showed that lota negatively affects ROA and capital buffer while NPL negatively affects ROA and positively affects capital buffer. In roa mediation testing is able to mediate the influence of NPL on capital buffers but is not able to mediate LOTA's engaruh against capital buffers.

The purpose of this reserach is to knowing of responbility of dependent variabel to exchange of makro economics variable at Excahage Commercial Bank province of East Java. The model analysis is Doubled Linear Regression with  employs the OLS (Ordinary Least Square) method. In this research will be used four regression with four dependent variables. In the equation model Saving Deposits, Demand Deposits, Tme Deposits, Third Party Funds are dependent variables and per capita income, interest rate, inflation are independent variables. Result of regression was showed that Saving Deposit more sensitive to respon change of inflations variable that showed by its probability is 0,0024. Time deposit moere sensitive to respon change of interest rates variable taht  showed by its probability was 0,0012. Per capita income  has same respon of all dependent variable that swowed by its probability was 0,0000

This study aims to analyze the effect of specific faktor (profitability, leverage, EPS)  and makroeconomic factor (inflation , PDB) on the variable stock price. Using the financial reports of mining companies in the coal company, we take specific factor data (profitability/ROA, leverage/DER), EPS), Macroeconomic factor (Inflation, PDB) and stock price (closing price) from 10 companies, which were selected as samples, from 2011 to 2020. Data was analyzed using the Regression analysis panel data method. The results show that ROA, DER, EPS, Inflation, PDB affect changes in stock prices.  The implication of this research is to provide knowledge to investors about the importance of knowing the company’s financial performance. Companies with good financial performance will easily develop because there are sufficient funds for company operations. By analyzing financial ratios, investors can get signals to decide whether to invest in the company they want.

No abstract

Sampah rumah tangga merupakan tanggung jawab kelaurga oleh karena itu harus diolah dengan baik agar menghasilkan nilai ekonomis berupa penghematan pengeluaran yang bisa digunakan untuk keperluan lain. Manfaat dari pembuatan eco enzyme antara lain bisa digunakan sebagai bahan pelengkap sabun cuci piring, penyemprot ruangan, penyedot bau tidak sedap dan sebagai pupuk. Pengabdian ini dilakukam dengan mengambil permasalahan pemanfaatan sampah rumah tangga melalui kagiatan pembuatan Eco Enzyme (EE) yang ditujukan untuk ibu-ibu PKK di desa Mulyoagung kecamatan Dau kabupaten Malang. Model pengabdian lebih banyak ditekankan pembuatan dan pendampingan selama proses pembuatan Eco Enzyme (EE) yang memerlukan waktu kurang lebih 3 bulan. Sasaran pengabdian adalah ibu-ibu yang tergabung dalam kelompok PKK desa Mulyoagung dengan pertimbangan bahwa aktivitas di dapur banyak dilakukan atau dikelola  oleh ibu-ibu  rumah tangga yang pada akhirnya akan menghasilkan sampah baik organic maupun non organik.  Pembuatan Eco Enzyme (EE) disamping dapat mengurangi pengeluaran rumah tangga juga dapat membantu mengurangi beban TPST dalam mengelola sampah khususnya sampah organic. Namun yang lebih utama dari kegiatan pengabdian ini adalah menumbuhkan kesadaran melalui gerakan ibu-ibu akan pentingnya mengelola sampah dengan baik sehingga dapat memberikan manfaat tidak hanya bagi keluarga, dan lingkungan saja tetapi juga bagi keselamatan ekosistem/ bumi. Peran tersebut dapat dlakukan dengan cara menghimbau, memberikan penyuluhan, serta mendidik dan melatih keluarga atau masyarakat agar merubah perilaku dalam mengelola sampah.