One of the benchmarks for state progress in banking which affects economic activity (Khasanah, 2016) . This study aims to determine the factors that influence profitability included CAR, BOPO, FDR, on ROA with NPF as a moderating variable for Indonesian and Malaysian Islamic banking listed in the Financial Services Authority (OJK) and Bank Negara Malaysia (BNM) for the 2014-2019 period. This type of quantitative research with secondary data is in the form of panel data. The sample includes 11 Indonesian Islamic banks and 7 Malaysian Islamic banks. The collection method is to access the annual report on the bank's website. Multiple Linear Regression analysis tool with the Eviews 10 Version application. The analysis used the Descriptive Statistical Test, Stationarity Test, and Multiple Linear Regression Test. The test results include: 1) CAR is not significant to ROA; 2) BOPO is not significant to ROA; 3) FDR is not significant to ROA; 4) CAR with NPF as a moderating variable has a positive and significant effect on ROA; 5) BOPO with NPF as a moderating variable has a negative and significant effect on ROA; 6) FDR with NPF as a moderating variable has a negative and significant effect on ROA.

Entering the Industry 4.0 era, the market share opportunity is very high, the market need for quality products is the main standard. The problems faced by MSME actors are the lack of specific quality assurance for MSME products, the lack of efficiency in the process of producing goods, and the lack of assistance to improve product quality, causing the growth of MSME products to become unstable. CEK-PRODAKU as an application designed as a service to standardize product quality from producers to product certification bodies and provide assistance more efficiently and effectively by using a mutual of connection system. So that it is possible for this application to improve the quality of product quality in accordance with SNI certified standards as well as assistance for SMEs to improve the quality of domestic products. This study uses research and development methods, namely designing the needs of MSMEs with user friendly-based applications, this research was carried out to the stage of needs analysis and application design.