Tujuan dari penelitian ini adalah untuk mengetahui pengaruh Pembiayaan Bagi Hasil dan Financing To Deposit Ratio (FDR) Terhadap Return on Asset  (ROA).  Analisis yang digunakan adalah regresi berganda, dengan variabel Independen yaitu Pembiayaan Bagi Hasil dan Financing To Deposit Ratio (FDR). Sedangkan variabel Dependent yaitu Return on Asset (ROA). Data yang digunakan dalam penelitian ini adalah Laporan Keuangan Bulanan Bank Syariah Mandiri, periode 2015-2017. Hasil penelitian menunjukan bahwa secara simultan terdapat pengaruh Pembiayaan Bagi Hasil dan Financing To Deposit Ratio (FDR) terhadap Return on Asset (ROA).  Secara parsial  Pembiayaan Bagi Hasil (PBH) berpengaruh signifikan terhadap Return on Asset (ROA) dan Financing To Deposit Ratio (FDR) tidak berpengaruh signifikan terhadap Return on Asset  (ROA). Secara simultan FDR dan PBH berpengaruh terhadap ROA. Nilai koefisien determinasi sebesar 23,2% dari variabel dependent atau ROA bisa dijelaskan oleh variabel PBH dan FDR. Sedangkan sisanya 76,8% dijelaskan oleh faktor-faktor yang lainnya.

This study aims to see the phonological problem deviation of English fricative and affricate sound produced by Thai and Indonesian English learners. This sound is interesting to study since the fricative and affricate sounds system among English, Thai and Indonesian are different. Moreover, some English sounds do not exist in the Thai and Indonesian language system. Respondents of this study were Thai and Indonesian students of IAIN Kediri taken purposively since this study is a case study. The result of this study shows that the deviation of fricative and affricate sounds produced by respondents really varies. This study also found that the deviation of the sound was because phonological problem encountered by respondents was a mistake, not an error. Therefore, generalizing a rule of the phonological problem is impossible to do since the deviation is overlapped and irregular.

TOEFL has been provided as a standardized test to measure the English proficiency of non-native speakers. However, one thing should be considered that TOEFL is still a big challenge for non-native English learners, especially for EFL learners. This is one of the factors, related to how proficient the vocabulary knowledge which students have. Therefore, this study aimed to investigate to what extent the relation between vocabulary knowledge, breadth and depth, and TOEFL test, especially reading subtest session. Participants of this study were undergraduate English students who never took a TOEFL preparation course. To help analyze data, IBM SPSS 24 version with Spearman rank correlation analysis was used to make it more precise. The result of Spearman rank correlation analysis revealed that there was a significant correlation among the variables. This result supports some previous studies focusing on the same topic.

Intensifying words commonly use word like very, absolutely, etc. However, Javanese people not only use the words but also change the sound of the word. This study aims to examine the diphthong pattern of the adjective intensifier in Javanese in Ponorogo. The pattern was examined using the Transformational Generative Phonology to describe the phonological rules of adjective intensifiers. The number of the data was 65 of the most commonly used adjective words. When collecting data, the techniques used were random sampling by taking 35 informants from five districts in Ponorogo. The literature and note-taking technique functions to document the speech of the speaker, while to analyze the data the distributional method is used. The results of the study found that the patterns of diphthong sound are [ua], [uə], [ue], [uɛ], [uo], [uɔ], [ui] and [ɔu]. The diphthongs are divided into three types based on the classification of basic vocal sounds that undergo phonological changes, namely ascending, centering and descending. The vowel phoneme /u/ becomes the underlying to express the 'intensifying' nature into all the vowels afterwards, while the allophonic vowel [ɔ] is more accepted as variations of the phoneme /u/ to 'intensify' when appearing before the sound [u] because they have the distinctive features [α back] and [β round]. This study also revealed that sound insertion happened only in the first syllable of a word. Keywords:  Javanese Language, transformational generative, diphtong, adjective

Taxibike (grab) is a pick-up service with a modern, order-based Taxibike. Taxibike is a two-wheeled motor vehicle that is a very effective transportation.This application allows users who can order Taxibike online. Also known as a modern and professional Taxibike. The purpose of this study was to determine the contribution of online Taxibike in public services in Malang Regency. This research is a qualitative research with a qualitative description approach. The purpose of this research is to examine natural objects, to get an overview of the development of the transportation industry and the contribution of online Taxibike to public service in Indonesia, especially the Grab company. The results of this study indicate that the contribution of this online transportation application work system has a major impact on improving driver performance and is very beneficial for consumers and drivers of online transportation companies. Also this online Taxibike is a breakthrough in online business which is currently in demand by the Indonesian people, especially in the Malang district.