Education is very important to improve the quality of life of every person. In education we are taught many things ranging from the value of life, general knowledge, morals and a variety of other sciences. In education there is the term KBM (Teaching and Learning Activities) where there are students and teachers who are connected in the delivery of knowledge or information as we know it happens in schools. But lately a virus outbreak has arisen that is troubling the world's population. Covid-19 virus or coronavirus is a disease originating from China and experts state that strong indications that the cause of SARS, this virus causes respiratory infections that spread through respiratory secretions, then the nose in the walls of the upper respiratory tract, some facts mention that this coronavirus raises many deaths. In this case, the government rules out to stop any activities and switch to stay and do activities at home. All institutions are closed as well as the world of education. So it switches to studying at home using an online system. For this reason, this study was conducted with the aim of knowing the effect of the co-19 pandemic in teaching and learning activities, especially the MI/SD level. This research was conducted at the home of each writer precisely in Bojonegoro, Lamongan, Sidoarjo and Surabaya by observing younger siblings who were still in elementary/MI school on March 17 to 18 April 2020. This study used a qualitative methodology. The data collection techniques using interviews, observation and documentation. Based on the results of the study note that social media is a science in learning activities during the co-19 pandemic, but in addition to being a bridge of knowledge, social media also has a negative influence on elementary school age children. Therefore the role of parents is very important in supervising children during the online learning process because elementary school age children/MIs are still at an unstable level and very much need guidance in carrying out online-based learning so that nothing unexpected happens.

This research is about innovations in using Arabic language learning media to improve Arabic language skills in the sixth semester of the Islamic elementary school, Arrisalah Slahung- Ponorogo 2019-2020. In this paper, we talk about the process of teaching the Arabic language, its innovations and the benefits of its innovation in the VIB class. In the sixth semester, we need innovation, education, the Arabic language, so that students do not feel afraid to study the Arabic language. By creating this, teaching Arabic is fun and joyful and students do not feel afraid to learn Arabic. This research is qualitative , the researcher obtained data from observation, interview, and documentation in the Islamic Primary School of arrisalah. Innovation from the Latin language, innovation means renewal and change. Innovation is the idea, event, and method as something new to a community of people. Education innovation is an innovation in education or innovation to improve problems in education. So, educational innovation is the idea, method, and new state of a person or community, either discovery or interference, which is used to achieve the goals of education or to improve the problems of national education. By innovating education in the sixth semester, students' ability increases in the Arabic language lesson better than ever before. And students do not feel afraid when learning Arabic. The Arabic language lesson was fun and enjoyable for the students.

Sharia Insurance is an institution that provides services in the service sector that appears among people who still do not understand about sharia insurance and its mechanisms, so that people are still awkward to use the insurance services. Islamic insurance in Indonesia has the potential to grow along with the growth of the Islamic financial market. The sharia insurance strategy to increase product sales is carried out by conducting outreach to the public. In terms of increasing the number of customers, especially by expanding the market, especially for people who have not used sharia insurance services through direct socialization, maintaining and improving existing markets by trying to always maintain communication with customers to provide quality services, introducing financial planning and management. risk in Islamic insurance. Fast service provides convenience for more strategic management of needs so that it creates public interest in using sharia insurance services.

Background - Financial Health of the People's Credit Bank There is an assessment to reflect the role of economic policy, to determine the target and assess the financial health of a bank in a certain period, so that it can be used to analyze and as an evaluation to be able to know the performance of banking management. Purpose - In the Aspect of Camel Assessment have quantification of financial ratio calculations that are useful for assessing the level of financial health of the bank, the higher the capital of the bank that is expected to be the better the performance of its operations and the greater the scale of the operation, the bank is measured by total assets. Design / Methodology / Approach - This research researchers used quantitative research methods. To be able to achieve the objectives need to present an important indicator to determine the financial condition of PT BPR Syariah Buana Mitra Officers. Results and Discussion - The results of the study show that the health level at PT BPR Syariah Buana Mitra Officers in 2016-2020 can be declared very healthy. This means that at this time PT BPR Syariah Buana Perwira is able to guarantee customers for every deposit provided by the Customer and can pay all its obligations in the form of savings deposits, demand deposits, deposits when billed and can fulfill all credit applications that are approved. Conclusion - Car Ratio Analysis, PDN ratio, R0E RATIO, BOPO, NI and NPF ratio analysis at PT BPR Syariah Buana Mitra Officers in 2016- 2020 categorized are very healthy. While the analysis of Rentability using RAA ratio at PT BPR Syariah Buana Mitra Officers in 2016-2020 is categorized as healthy. While the FDR ratio analysis is categorized enough healthy. Research implications - this study can be used as a basis for the financial level of financial levels for the people's credit banks which are currently popping up. With this analysis, it will make BPR managers to be able to predict how the health level of BPR finance is adjusted to the conditions at this time.

Background - Financial Health of the People's Credit Bank There is an assessment to reflect the role of economic policy, to determine the target and assess the financial health of a bank in a certain period, so that it can be used to analyze and as an evaluation to be able to know the performance of banking management. Purpose - In the Aspect of Camel Assessment have quantification of financial ratio calculations that are useful for assessing the level of financial health of the bank, the higher the capital of the bank that is expected to be the better the performance of its operations and the greater the scale of the operation, the bank is measured by total assets. Design / Methodology / Approach - This research researchers used quantitative research methods. To be able to achieve the objectives need to present an important indicator to determine the financial condition of PT BPR Syariah Buana Mitra Officers. Results and Discussion - The results of the study show that the health level at PT BPR Syariah Buana Mitra Officers in 2016-2020 can be declared very healthy. This means that at this time PT BPR Syariah Buana Perwira is able to guarantee customers for every deposit provided by the Customer and can pay all its obligations in the form of savings deposits, demand deposits, deposits when billed and can fulfill all credit applications that are approved. Conclusion - Car Ratio Analysis, PDN ratio, R0E RATIO, BOPO, NI and NPF ratio analysis at PT BPR Syariah Buana Mitra Officers in 2016- 2020 categorized are very healthy. While the analysis of Rentability using RAA ratio at PT BPR Syariah Buana Mitra Officers in 2016-2020 is categorized as healthy. While the FDR ratio analysis is categorized enough healthy. Research implications - this study can be used as a basis for the financial level of financial levels for the people's credit banks which are currently popping up. With this analysis, it will make BPR managers to be able to predict how the health level of BPR finance is adjusted to the conditions at this time.