It is necessary to measure ratios that represent liquidity, solvability and profitability from one company. Related to this research use Current Ratio, Debt to Asset Ratio, Return On Asset Ratio at PT Indocement Tunggal Prakarsa Tbk. As one of largest cement factories in Indonesia. It is necessary to measure ratios that represent liquidity, solvability and profitability from one company. Related to this research use ratio of Current Ratio, Debt to Asset Ratio, Return On Assets at PT Indocement Tbk. as one of the largest cement factories in Indonesia. The data used in this study are secondary data from the company's 2009-2020 financial statements. Data processing stages are carried out by ensuring all data meet the classic assumption test, so that further stages are to measure influence of independent variabels : Current Ratio and Debt to Asset Ratio to dependent variabel : Return On Asset with multiple linear regression test, coefficient R determinant test, t test, F test.In addition, the results of the t test, the Current Ratio is partial influence to Return On Assets, but the Debt to Asset Ratio is not partial influence on Return On Assets. While from the results of the F test the Current Ratio and the Debt to Asset Ratio simultaneously influence to Return On Assets. Abstrak Untuk memastikan kondisi keuangan suatu perusahaan maka perlu dilakukan pengukuran dari rasio yang mewakili likuiditas, solvabilitas dan provitabilitas. Sehingga dalam penelitian ini dilakukan pengamatan terhadap rasio Current Ratio, Debt to Asset Ratio, Return On Asset pada PT Indocement Tbk. sebagai salah satu pabrik semen terbesar di Indonesia. Data yan digunakan dalam penelitian adalah data sekunder dari laporan keuangan perusahaan dari tahun 2009 -2018. Tahapan pengolahan data yang dilakukan dilakukan adalah memastikan semua data memenuhi standard uji asumsi klasik , agar selanjutnya dapat dilakukan tahapan pengolahan data untuk melihat pengaruh variabel bebas yaitu Current Ratio dan Debt to Asset Ratio terhadap variabel terikat yaitu Return On Asset melalui uji regresi linier berganda, uji koefisien determinasi R, uji t, uji F. Dari hasil uji t maka Current Ratio berpengaruh secara partial terhadap Return On Asset , namun Debt to Asset Ratio tidak berpengaruh secara partial terhadap Retun On Asset. Sedangkan dari hasil uji F maka Current Ratio dan Debt to Asset Ratio berpengaruh secara bersamaan terhadap Return On Asset. Kata Kunci : Current Ratio, Debt to Asset Ratio, Return On Asset, Kinerja PT Indocement Tunggal Prakarsa Tbk

The purpose of this study is to determine factors Capital Adequacy Ratio, Non-Performing Loans and Operational Cost of Operating Income, Return On Assets as profitability at PT. Bank Mandiri (Persero) Tbk. with periode 2011-2020. The research method used in this study is descriptive quantitative. The population used is the financial statements of PT. Bank Mandiri (Persero) Tbk. The sample used is data that comes from the notes to the financial statements and income statements of PT. Bank Mandiri (Persero) Tbk. in the period 2011 to 2020. Based on the results of the partial test (t test) the results is Capital Adequacy Ratio and Non Performing Loan have not a significant influence on Return On Assets and Operational Cost of Operating Income has a significant influence on Return On Assets. But base on simultan (F test) shows that the Capital Adequacy Ratio, Non Performing Loan and Operational Cost of Operating Income have a significant influence on Return On Assets. In the coefficient of determination, the value of Adjusted R Square is 92.60%, Return On Assets can be explained by the Capital Adequacy Ratio, Non-Performing Loans and Operating Cost of Operating Income, which means that the relationship between variables has a strong correlation, while the remaining 7.4% can be explained by other variables.

The development of digital technology and the trend of e-commerce cause changes in people's shopping patterns that in beginning is offline conventional to switch to online shopping through web/ blogs. So that in this study, the authors are interested in examining whether there is an influence from the level of education, the level of financial literacy, financial literacy instruments on purchasing decisions in online media with a case study on the community in the South Tangerang City. The research method used is descriptive quantitative by processing data and analysis obtained from a survey of a sample of the population in the South Tangerang City. The results obtained from the survey conducted on the people of the South Tangerang City were the efficiency factor and the cheaper price factor were considered the most influential factors in purchasing decisions on online media. The advantages of shopping transactions offered through online media, especially during the Covid pandemic, have caused many people to change their offline shopping patterns to online to buy the items they need. This is also reinforced by the results of research from the hypothesis test which concludes that the level of education, the level of financial literacy and financial literacy instruments do not affect the value of purchasing decisions ononline media in South Tangerang City society either partially (t test) or simultaneously (F test). sig value> 0.05. Abstrak Perkembangan teknologi digital dan trend e-commerce menyebabkan perubahan pola belanja masyarakat yang awalnya bersifat konvensional offline beralih ke pola belanja online melalui web/blog. Sehingga dalam penelitian ini, penulis tertarik untuk meneliti apakah ada pengaruh dari tingkat pendidikan , tingkat literasi keuangan, dan instrumen literasi keuangan pada keputusan pembelian terhadap media online dengan studi kasus pada masyarakat di Kota Tangerang Selatan. Metode penelitian yang digunakan adalah deskritif kuantitatif dengan melakukan pengolahan data dan analisa yang diperoleh dari hasil survey terhadap sample dari populasi masyarakat di Kota Tangerang Selatan. Hasil yang diperoleh dari survei yang dilakukan pada masyarakat daerah Kota Tangerang Selatan adalah faktor efisiensi dan faktor harga yang lebih murah dianggap sebagai faktor yang paling berpengaruh dalam keputusan pembelian pada media online. Keuntungan transaksi belanja yang ditawarkan melalui media online terutama selama pandemic covid ini menyebabkan banyak masyarakat yang mengubah pola belanja offline menjadi online untuk membeli barang yang diperlukan. Hal ini diperkuat dengan hasil yang diperoleh dari penelitian bahwa faktor tingkat pendidikan dan literasi keuangan tidak mempengaruhi keputusan pembelian pada media online di masyarakat Kota Tangerang Selatan baik secara partial (Uji t) maupun simultan (Uji F) dengan nilai sig > 0,05. Kata Kunci : Tingkat Pendidikan, Tingkat Literasi Keuangan, Instrumen Literasi Keuangan, KeputusanPembelian Pada Media Online

Purpose of the research to examineeffect of variable Net Profit Margin (NPM), Debt to Asset Ratio (DAR),andEarningPerShare (EPS) as intervening variable effect onthe stockpricesofBUMN company (State-Owned Companies) included inthe LQ45index on Indonesian Stock Exchange with period2014-2018.Thepopulationinthisresearchare BUMN company (state-owned companies)thatregisteredLQ45indexontheIndonesiaStockExchangein2014to 2018. Based on the results of the panel data model selection test using the Chow test, Langrage Multiplier, Hausman, the conclusion is the Fixed Effect panel data model. Results F test, both Net Profit Margin (NPM), Debt to Asset Ratio (DAR) simultaneously effect to Earning per Share (EPS) and Stock Price (HS). Other result from F test, Net Profit Margin (NPM), Debt to Asset Ratio (DAR), Earning per Share (EPS) simultaneously effect to Stock Price (HS). Earning Per Share as intervening variable does not mediate independent variable Net Profit Margin (NPM) and Debt to Asset Ratio (DAR) to dependent variable  Share Prices (SP).

Pendidikan Islam bersumber dari Al-Qur’an dan Hadits Nabi SAW bertujuan untuk membentuk manusia seutuhnya, yakni manusia beriman dan bertakwa kepada Allah SWT serta untuk memelihara nilai-nilai kehidupan sesama manusia agar dapat menjalankan seluruh kehidupannya sebagimana yang telah ditentukan Allah SWT dan Rasul-Nya, demi kebahagiaan hidup di dunia dan di akhirat. Untuk memahami hakikat pendidikan Islam, maka harus memahami unsur historis pendidikan Islam itu sendiri. Mempelajari sejarah pendidikan Islam sangatlah penting terutama bagi pelajarpelajar agama Islam dan pemimpin-pemimpin Islam pada era globalisasi dan di zaman milenial ini. Dimana teknologi semakin maju, komunikasi di dunia maya (internet) semakin cepat diterima dan tersebar di berbagai daerah dan ditingkat semua umur. Sehingga dengan mempelajari sejarah pendidikan Islam (masa zaman Nabi Muhammad SAW dan masa Khulafaurrasyidin) akan dapat mengetahui sebab kemajuan maupun kemunduran Islam baik dari cara pendidikannya maupun cara ajarannya.