The outbreak of Covid-19 2019 had an impact on the decline in the economy of the Special Region of Yogyakarta and the financial performance of Bank BPD DIY. This study aims to analyze differences in the performance of Financial Performance and ROA values ​​of Bank BPD DIY between 2019, 2020, and 2021. The research method uses the Independent Sample T-Test. The population and sample using monthly financial statements are 36 samples. The results of the study show that in 2019, 2020 and 2021. Bank BPD DIY assets have decreased. The results of the independent test of the t-test sample show that there are differences in the financial performance of Bank BPD DIY between 2019, 2020 and 2021.

One of the most important production inputs is energy, particularly crude oil. The impacts of oil price fluctuations on global trade flows can be understood by the uncertainty channel, fluctuations in oil prices may create uncertainty about the future path of the oil price, causing consumers to postpone irreversible purchases of consumer durable goods, and also causing firms to postpone irreversible investments, and also recent hikes and fluctuations in oil prices since 1999 have attracted attention and invoked concerns about their devastating effects on a variety of economic activities. The objective of this research is to determine the influence of crude oil price to merchandise trade in East Asia and Pacific. This research uses quantitative methods and linear regression analysis. The results of the analysis show that there is negative and significance effect of crude oil price on merchandise trade in East Asia and Pacific for the period 1987 – 2019.

The product development strategy is carried out by the innovation of packaging sizes (variations in price, size, and appearance); Packaging Color Innovation (light blue, red, green, purple, and yellow); Innovation of Packaging Materials (cans, aluminum, glass, plastic paper, boxes, and jars); Packaging Label Innovation (selection of colors, illustrations, letters, images); and Packaging Shape Innovation (graphic design, shape, and size). Digital marketing is done through Tokopedia's e-commerce. The pre-test results were dominated by 14 members or 32% did not understand how to design product packaging. From the post-test results after giving the material, there was a change in the results of 27 people, or 63% "Very Knowing" how to innovate products through changes in packaging materials from Plastic to Eye Catching Pouch Materials, listing brands, names, labels and logos on product packaging, creating Tokopedia, Instagram, and Facebook to increase sales. The changes that have been made impact an increase in sales by 85% after Covid-19.