Banks is an institution, which has mainly activity is fund deposit from people then credit it for them in generating income. The business is a kind service provider from and into people so it needs public trust. Profitability is one of indicator appropriate to measure the bank performance. Return on Assets (ROA) is measure ability of the bank's management in benefits through total assets owned. The greater the ROA shows the better financial performance due to the greater profit. The purpose of this research is to prove the effect of Operating Expenses and Operating Income Ratio, Net Interest Margin (NIM), Non-Performing Loan (NPL) and Loan to Deposit Ratio (LDR) on bank performance measured by Return On Asset (ROA). The study focused on descriptive quantitative analyses using Ordinary Last Square method (OLS). The result of the research showed that partially NPL and NIM had positive and not significant influence on ROA, but LDR and BOPO had negative and significant influence on ROA. Keywords: financial ratio, and bank performance.

The main problem in this study is about the large number of educated unemployment that occurred in the province of East Java. This study aimed to describe the factors that influence the Educated Unemployment in East Java province. This type of research is explanatory research which kind of research that explains the relationship between the dependent variable and independent variables. Data collected documents, publications of the Central Bureau of Statistics. The results showed that the District Minimum Wage, Working Age Population, Gross Domestic Product has an effect on an Educated Unemployment in East Java.Keywords: Educated Unemployment, District Minimum Wage, Working Age Population , Regional Gross Domestic Product

The main problem of this research was about the value of production in the handicraft industry in the village Tutul subdistrict Balung district Jember. This research was aimed to describe the factors that influence the value of production in the handicraft industry in the village Tutul subdistrict Balung district Jember. This research belongs to explanatory survey. This type of data are primary data, including data on the number of labor wages, capital, and production value. The method of this Research is ordinary least square (OLS). The result of this data shows that capital and amount and manpower have affected value of production, but wage haven’t affected value of production in the handicraft industry in the village tutul subdistrict Balung district jember. The research showed the implication that the use of capital by entrepreneurs handicraft is not maximized and need a support from the government, the capital should also get support from the local government to provide facilities to Kredit Usaha Rakyat (KUR). Handicraft industry in the village Tutul also still using traditional machines and therefore entrepreneurs need to boost employment and improve the quality of their performance. Keywords: Value of production, amount of manpower, capital and wage

Sharia banking is a sharia financial institution that is considered to have contributed to the national economy. Judging from the value of the market share owned by Islamic banking, it is still relatively low compared to Malaysia. This study aims to determine the effect of Islamic capital market products and Islamic banking on the market share of Islamic banking assets in Indonesia. The Islamic capital market products used are in the form of Islamic stocks, corporate sukuk and Islamic mutual funds. Meanwhile, in Islamic banking, there are Islamic demand deposits, Islamic savings and Islamic deposits. Empirically the focus of this research is using monthly time series data from January 2014 to December 2019. This study uses the Vector Error Correction Model (VECM) analysis method. The estimation results of this study indicate that in the long term, corporate sukuk, sharia demand deposits and Islamic savings have a positive and significant effect on the market share of Islamic banking assets in Indonesia. Meanwhile, Islamic mutual funds and Islamic deposits have a negative and significant effect. Meanwhile, Islamic stocks have a negative and insignificant effect on the market share of Islamic banking assets in Indonesia. On the other hand, in the short term only Islamic deposits have a positive and significant effect. Corporate sukuk has a positive and insignificant effect, while Islamic stocks, Islamic mutual funds, Islamic demand deposits and Islamic savings have a negative and insignificant effect on the market share of Islamic banking assets in Indonesia.

Success Economic development in developing countries can be measured by high economic growth and income distribution. Many economic growth approaches are carried out in several regions in developing regional economic sectors which are expected to increase equity. The research methodology used is descriptive quantitative which explains the results of the calculation to see the condition of the area under study. The purpose of this paper is to determine the condition of regencies / cities in East Java Province based on economic growth, sector basis and the number of income disparities. Based on the results of the study showed that East Java Province was dominated by the quadrant IV category based on the Agriculture sector with a high rate of income disparity.