The purpose of this study was to know the competitiveness of Indonesia’s CPO exports in the world and strategies to increase Indonesia’s CPO competitiveness. The required data is secondary data from the report of CPO export in Indonesia in 1993-2017. This research-based on the background by the issue of palm oil discrimination by the European Union, where Europe is one of Indonesia’s main CPO export destinations. This research uses a qualitative-quantitative approach, analysis with a quantitative approach is used to analyze the comparative advantage of Indonesia’s palm oil in the international market used RCA. Analysis with a qualitative approach is used to analyze which strategies will be used to improve the competitiveness of Indonesian palm oil. The results of the study show that in 2017 export performance of Indonesia’s palm oil increased. It showed by the value of RCA>1 which is 55,47 and an average of 37,22, Indonesia has the competitiveness of palm oil because of the increased export volume of palm oil to the major importer countries, such as India, Pakistan, and Europe. Indonesia’s still competitive in Europe and Asia’s market based on the average value of the RCA index.

Inflation and Growth in the company's profit margin than Food and Beverages. Analysis tools used in this study is panel data regression, a combination of two data time series and cross section can provide more data so that it will generate degree of freedom (df) is greater, to determine the effect between inflation and growth in production cost profit margin ratio. Based on the conclusion, it can be concluded that the rate of inflation and growth in production costs affect the level of corporate profit margins at the Food and Beverages during the period 2005-2008 with a coefficient of determination equal to 96.83%. Partially between the inflation rate did not negatively affect the profit margin between the rate of inflation while the growth rate positively affects the production cost. So that can be implicated to obtain a high level of profit margin, then for company management to pay more attention to the level of growth in production costs, such as looking for suppliers who provide raw material prices are much cheaper so that more efficient control of production costs.

This study aims to find the best model with a combination of macroeconomic variables and micro or internal variables of the bank itself to predict bankruptcy in Indonesian banks, especially state-owned banks represented by BRI Bank as the object of research. This research is a quantitative study using time series data using a regression analysis method where the selected macro and micro variables will be formed as models and tested for later analysis. There are two models used in this study, namely the Grover model and the Zmijewski model. The result of this research is to find an appropriate model to predict bankruptcy using macro and micro variables, and the best after the flow test is Grover's model. The groover model can produce a combination of macro and micro variables in accordance to investigate bankruptcy by proving that the macro variable that affects is the exchange rate, while from the micro side built by LDR, ROA, and company size.

This study intended to determine the relationship between religiosity towards human welfare among employee of University of Muhammadiyah Malang. The method of this study is quantitatif using questionnaire as method of collecting data. The method of analysis data using Partial Least Square (PLS) with several valid variables. The result indicate that religiosity of employee is able to play a role to improve welfare among employee of University of Muhammadiyah Malang. This result of this study indicate that religiousity have significance role in the welfare of employee of University of Muhammadiyah Malang.

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