Future uncertainty that can occur in financial services companies is a risk that must be faced and must receive serious attention. business financial services companies are based on the principle of trust, in the financial business the factor of ensuring liquidity is very crucial because it is a benchmark for the sustainability of the company. The writing of this article is to examine the impact of financial risks from insurance service companies, through a literacy approach sourced from journals, laws and regulations, and theories from experts as well as issues related to insurance service companies in Indonesia. The investment decision of the company can have a significant impact on the company's liquidity. The company must be able to place the funds obtained from the insured's premium payment in a potential sector so that the problem of default in the future can be avoided. The problems in an insurance company can be seen from the gap between assets and liabilities (there are more claims than assets), this condition causes the company to become ilikud. Companies are not careful when placing their funds in investing can determine the condition of the company's liquidity in the future. the role of managers in determining financial strategies in investing must be very mature taking into account the possible financial risks. The risk impact of financial decisions must be taken seriously by management so that the risk of future losses can be minimized.Keywords: Risk, Finance, Service Company, Insurance

This study aims to determine the level, correlation, and influence of the usability of academic information system services using the ServQual and WebQual 4.0 methods. The research method used is qualitative-qualitative and data collection through a survey verification consisting of 20 statements. The questionnaire statement uses a Likert scale with 100 student respondents as the main users. The sampling technique uses a simple random sampling technique. Then, the data analysis in this study uses path analysis. The results showed that ServQual was at an average score of 2.60, WebQual 4.0 was at an average score of 2.59, and the average score for the User Satisfaction variable was at 2.66. Academic information system improvement will have a major effect on User Satisfaction. This is by the results of the verification analysis which shows that ServQual (X1) and WebQual 4.0 (X2) have a positive effect simultaneously on User Satisfaction (Y), with a total effect of 0.688 or 68.8%. External influence of 0.312 or 31.2%. Thus, the academic information system in small and medium-scale private universities needs to be improved on the WebQual 4.0 variable and can be added by ServQual improvements, and ServQual improvements can also be done without including WebQual 4.0.

The purpose of this study aims to examine and analyze the influence between product differentiation and price on consumers Waroeng SS branch of Jatinangor.Population in this research is consumer Waroeng SS branch of Jatinangor  with the total sample of 100 respondents. Data analysis method used is descriptive and verifikatif method with quantitative approach. The instrument test is done by validity test and reliability test. The analytical technique used is path analysis, used to show relationships that show how much influence a particular variable either direct or indirect influence on some other variables.  The result of this study shows that partially and simultaneously of the product differentiation and price has a positive and significant effect on purchase decision. The partially of purchase decision influenced by product differentiation is 26,7%, and influenced by price is 25,75%. The amount of total influence by product differentiation and price on purchase decision is indicated by the magnitude of the coefficient of determination r2=0,518 or 51,80%, and influenced beyond the other variables is 48,20%. The conclusion of this study is product differentiation and price have positive and significant influence to purchasing decision, with the most dominant variable is product differentiation as variable that affected purchase decision at Waroeng SS branch of Jatinangor.The purpose of this study aims to examine and analyze the influence between product differentiation and price on consumers Waroeng SS branch of Jatinangor.Population in this research is consumer Waroeng SS branch of Jatinangor  with the total sample of 100 respondents. Data analysis method used is descriptive and verifikatif method with quantitative approach. The instrument test is done by validity test and reliability test. The analytical technique used is path analysis, used to show relationships that show how much influence a particular variable either direct or indirect influence on some other variables.  The result of this study shows that partially and simultaneously of the product differentiation and price has a positive and significant effect on purchase decision. The partially of purchase decision influenced by product differentiation is 26,7%, and influenced by price is 25,75%. The amount of total influence by product differentiation and price on purchase decision is indicated by the magnitude of the coefficient of determination r2=0,518 or 51,80%, and influenced beyond the other variables is 48,20%. The conclusion of this study is product differentiation and price have positive and significant influence to purchasing decision, with the most dominant variable is product differentiation as variable that affected purchase decision at Waroeng SS branch of Jatinangor.

Tujuan dari penelitian ini adalah untuk mengetahui kinerja kuangan Bank Perkreditan Rakyat di Kabupaten Subang dengan melalui pendekatan rentabilitas yang di capai oleh perusahaan. Metode yang digunakan dalam penelitian ini adalah deskriptif kuantitatif, yaitu analisis yang mendasarkan pada perhitungan untuk mengetahui tingkat rentabilitas pada Perusahaan Bank Perkreditan Rakyat (BPR) dalam mengukur kinerja keuangan perusahaan. Populasi dalam penelitian ini adalah seluruh Perusahaan Bank perkreditan Rakyat (BPR) yang berada di wilayah Kab Subang dan  terdaftar dalam Otoritas Jasa Keuangan serta  melaporkan laporan keuangannya. Hasil dari penelitian diperoleh bahwa terdapat 4 Bank Perkreditan Rakyat yang masuk dalam kategori sangat baik di Kabupaten Subang selama periode penelitian yaitu BPR Tutur Ganda, BPR Nusantara Bona Pasogit 28, BPR Bangun Arta, dan BPR Subang. ROA BPR Gede Arta Guna masuk dalam keriteria sangat baik tetapi ROEnya masuk dalam kriteria sangat tidak baik. Begitu pula dengan BPR Markoni Sarana Jaya rata-rata ROAnya masuk dalam kategori sangat baik tetapi ROEnya masuk dalam kriteria tidak baik. BPR Karya Utama Jabar dengan ROA baik tetapi ROE tidak baik. BPR Tata Asia dan BPR Nusuma Cisalak keduanya masuk dalam kriteria ROA tidak baik, kemudian ROE sangat tidak baik.

The discussion related to Intellectual Capital becomes a very interesting matter for organizations, this is because intellectual capital is an invisible asset that can have an extraordinary impact, can provide added value to the company so as to increase organizational competitiveness. Therefore, business owners (MSMEs) need to be aware of this. The purpose of this research is to examine how strategies to strengthen intellectual capital in increasing the organizational value of MSMEs. The dimensions studied in this study are Human Capital, Capital Structure, Customer Capital, and Social Capital. This type of research uses qualitative methods with a literature study approach. This human capital formation can be done through employee self-development by providing education and training. Learning about culture, infrastructure, and the right incentives to generate and disseminate knowledge are ways to strengthen the Capital Structure. Providing excellent service is an effort to retain customers. Bonding Social Capital, Bridging Social Capital, Linking Social Capital are social capital that can provide a conceptual understanding that social capital that is formed can create different results.Keywords: Intellectual capital, organizational values.