The purpose of this study is to analyze the influence of service quality, product quality and customer satisfaction on customer loyalty in Bank Nagari main branch of Padang. This study used 300 respondents as the sample. The data analysis technique used in this study was path analysis. The results of the research show that service quality and product quality influence customer satisfaction of Bank Nagari branch Padang. Service quality, product quality, and customer satisfaction have significant effect on customer loyalty in Bank Nagari branch Padang.

The company has goal of making profit so the company's performance increases well. The concept of measuring financial performance is done by making financial analysis such as measuring company finances with financial ratio analysis. Ratio analysis that can be used by companies is Economic Value Added (EVA), Financial Value Added (FVA), or Return On Assets (ROA). This research technique is a comparative descriptive analysis technique. Primary data were collected and obtained through observational interviews, documentation studies and literature studies, secondary data obtained from literature related to the research topic. Financial reports as the object of research. The results show the analysis of PT.BUANA's financial performance with EVA measurement has a positive increase from 2019 to 2020. Financial performance with EVA has a positive increase which can prove the company operates consistently. In profit, analysis of PT.BUANA's financial performance with the measurement of FVA experienced a negative decline from 2019 to 2020. A negative decline can prove the level of net income generated by the company cannot cover investment in assets in the company. Analysis of PT.BUANA's financial performance with ROA decreased in percentage from 2019 to 2020. This proves the company's ability to use capital and generate profits has decreased.

The purpose of this study was to determine the effect of financial ratios consisting of 5 (five) financial ratios, namely Cash Ratio, Primary Ratio, Gross Profit Margin, sales level and Total Asset Turnover on Profit Growth at PT. Univista Utama. The method used is quantitative research. The population in this study is the financial statements of PT. Univista Utama for 3 years from 2018-2020 period, while the sample in this study is 36 data. The analysis model in this study is multiple linear regression using the SPSS program. Testing the data is done by classical assumption test, coefficient of determination test, F test and t test. The conclusion from the results of this study is that the Cash Ratio and Total Assets turn over have a significant negative effect on profit growth at PT Univista Utama, while the Primary Ratio, Gross Profit Margin and sales level have no effect on profit growth at PT Univista Utama.

Galatta Lestarindo is a company engaged in the production of Dolomite fertilizer which was established in 1992, where the quality costs incurred by the company have not been able to reduce the level of product damage. The purpose of this research is to analyze quality cost control in supporting the effectiveness of production at PT. Galatta Lestarindo. Analysis of the data used is descriptive analysis. The total population of this study was 340 employees with the sampling technique using the Slovin formula so that from the calculations obtained as many as 184 samples. Data collection techniques are observation, interviews and literature. Based on the results of the quality cost control analysis conducted by the company, it appears that the quality cost control carried out by the company has not met the quality standards set by the company to increase production effectiveness, because the quality costs incurred by the company are greater than the quality standards that have been set.   Keywords: Quality Cost Control, Production Effectiveness

Bank Mestika is a private city bank domiciled in the city of Medan. Initially, Bank Mestika's efficiency performance evaluation was measured using financial ratios, but according to some experts the efficiency assessment could not be done partially but had to take into account all existing outputs and inputs. The purpose of the study was to find out how the level of efficiency of Bank Mestika is based on the size of the bank as seen from total assets using the Data Envelopment Analysis (DEA) approach. In this study, the object of research is banking efficiency, which is assessed by the size of the bank measured by total assets, BOPO is measured from interest income, interest expense, while ROA is measured from profit before tax with total assets. The Data Envelopment Analysis (DEA) method is used to measure banking efficiency in 2020 at Bank Mestika which is listed on the Indonesia Stock Exchange. The results show that Bank Mestika Dharma, Tbk is also facing inefficiency, meaning that the economic activity unit has not been able to allocate its resources optimally. The DEA approach can see the source of inefficiency by measuring the potential improvement of each input.