This study aims to explain the improvement and development of a home industry-based creative economy carried out by several academics, namely economics faculty lecturers and several students to the people of Meranti Village, Bilah Hulu District. Where in this study also explains the impact of the creative economy on the income of rural communities, as well as other supporting factors. The method used is qualitative descriptive research, namely by collecting data through observation, interviews, and documentation of the research object. The data analysis technique is using descriptive analysis. The results of research in Meranti Village are: First, the improvement and development of a home industry-based creative economy carried out by lecturers of the Faculty of Economics and Business, Labuhabatu University through the formation of a household business group. Second, increasing the income of the people who participate in the household business group. Third, internal and external factors that support the development carried out by lecturers of the Faculty of Economics and Business, Labuhanbatu University, students, and the Meranti village community in Labuhanbatu Regency.

Peran istri tidak hanya sebagai ibu dalam rumah tangga, namun istri juga bisa membantu mencari pengahasilan untuk memenuhi kebutuhan hidup keluarga. Penelitian ini bertujuan untuk mengetahui peran aktif wanita didalam menunjang pendapatan rumah tangga. Jenis penelitian ini merupakan penelitian deskriptif kualitatif. Dalam penelitian ini mendeskripsikan keadaan secara faktual kondisi yang terjadi dilapangan. Hasil penelitian ini menunjukkan bahwa peran aktif wanita sebagai istri-ibu rumah tangga di Dusun Pulau intan, Desa tanjung Harapan sangat besar, karena istri mempunyai dua peran ganda selain beban kerja didalam rumah tangga, juga berperan sebagi pekerja diluar rumah. Dampak peran aktif wanita (istri-ibu) di Dusun Pulau Intan dalam perekonomiannya sangat tinggi. Mereka bisa memberikan sumbangsih yang besar bagi pendapatan keluarga, walaupun pendapatannya tidak terlalu besar tapi sangat berdampak postif bagi perekonomian keluarga.

The formulation of the problem in this study is how to influence Third Party Funds (DPK), Return on Assets (ROA) and interest rates on lending at PT. Bank BTN (Persero) Tbk. Medan Branch Office. While the objective of this research is to analyze the effect of third party funds (DPK), Return on Assets (ROA) and interest rates on lending at PT. Bank BTN (Persero) Tbk. Medan Branch Office either partially or simultaneously. The data source in this study is the 2012-2016 financial reports. The data analysis technique used was multiple linear regression using the SPSS version 17.0 program. The results showed that the t-count value for the DPK variable (X1) (13.112) > (12.706) or (0.048) < (0.05), partially DPK has a positive and significant effect on LDR. The t-count value for the variable ROA (X2) (11.659) < (12.706) or (0.054) > (0.05), partially ROA has no positive and significant effect on LDR. The t-count value for the variable interest rate (X3) (13.152) > (12.706) or (0.048) < (0.05), partially the interest rate has a positive and significant effect on LDR. Simultaneously the DPK, ROA and interest rate variables have a significant effect on LDR at PT. State Savings Bank (Persero) Tbk. Medan Branch (Fcount > Ftable (75.504 > 19.16) or sig F <5% (0.084 > 0.05).

Digital wallets are included in electronic or digital payments that are widely used by the public in making online transactions. The purpose of this study was to analyze student interest in using digital wallets in Labuhanbatu Regency. This research method is descriptive qualitative. The sample in this study were students in tertiary institutions in Labuhanbatu Regency. Data collection techniques were carried out through in-depth interviews (In-depth Interview). Data analysis techniques are carried out by detecting student knowledge about student interest and using a digital wallet and student disinterest and not using a digital wallet. The results showed that the percentage of digital wallet users for male gender was 38 people (25.33%) and women were 112 people (74.67%). The percentage of interest in using a digital wallet is 68% which uses OVO, DANA, and Gopay. The reason for using a digital wallet is because online transactions are considered easy and convenient. Meanwhile, 32% of respondents answered that they were not interested and did not use a digital wallet because it is more convenient to use cash in making transactions.