The pandemic-led recession has made a downturn in the banking industry’s performance. Digitalization is seen as a good strategy to support banks' business operations during the pandemic-led recession. This paper focus on how the banking and financial industry maintained their performance during the covid-19 led recessions through digitalization. I use descriptive statistics approach and regression analysis to analyze how digital transformation help to maintain business performance during a pandemic. In addition, I use regression analysis to estimate the effect of a pandemic on banks’ financial performance and how digital transactions may help to maintain banks’ performance. The regression estimation result shows that pandemic conditions associated with -0.177 points decrease in ROA while digital infrastructure may not have relations with banks’ ROA. Further, the volume of digital transactions is associated with the increase of bank's return on asset (ROA) as much as 10%. These results imply that even though pandemics have negative impacts on banks’ performance, empirical evidence shows that digital transactions have helped the banking industry to maintain its profit during the pandemic.

Poverty is a big problem related to several aspects including: politics, culture, environmental and period economics. This study aims to analyze the effect of the General Allocation Fund, Special Allocation Fund and Revenue Sharing Fund on the Poverty Level with case studies of districts/cities in Central Sulawesi province in 2015 -2019 which were processed using Panel Data Regression methods and Generalized Least Square (GLS) estimations. The approach used is a quantitative approach because it uses measurements and calculations in research. The processed data is secondary data originating from the Central Statistics Agency. The research findings show that the General Allocation Fund, the Special Allocation Fund and the Revenue Sharing Fund partially and simultaneously have a negative and significant effect on the Poverty Level. This study has a coefficient of determination (R-Square) of 0.98.

Negara dengan iklim tropis menjadi daerah endemik bagi nyamuk pembawa virus Dengue untuk menyebarkan Demam Berdarah Dengue, salah satunya Indonesia. Salah satu kota di Provinsi Banten dengan tingkat Demam Berdarah Dengue paling banyak adalah Kota Tangerang Selatan. Penelitian ini bermaksud untuk menjelaskan dan membuktikan korelasi antara suhu udara dan curah hujan sebagai variabel iklim yang berpengaruh terhadap segala aspek kehidupan manusia terutama yang tinggal di wilayah tropis dengan Demam Berdarah Dengue di Kota Tangerang Selatan. Penelitian ini bersifat kuantitatif menggunakan desain studi ekologi dengan menggunakan data sekunder dari Dinas Kesehatan Kota Tangerang Selatan. Analisis data menggunakan uji korelasi Pearson Product Moment yang akan menghasilkan p-value dan koefisien korelasi (r). Hasil penelitian didapatkan bahwa terdapat korelasi yang signifikan pada variabel suhu udara dengan  Demam Berdarah Dengue di Kota Tangerang Selatan dengan p-value 0,043 dan kekuatan korelasi lemah dengan arah negatif yaitu -0,239, sedangkan variabel curah hujan tidak memiliki korelasi dengan p-value 0,119, sehingga dapat disimpulkan bahwa pada suhu udara rendah, Demam Berdarah Dengue akan meningkat.

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This research is aimed to analyze the association between tourist expenditure, labor force in accommodation sector and room occupancy rate with locally generated revenue (PAD) in five province of top priority tourist destination in Indonesia (North Sumatera, Central Java, West and East Nusa Tenggara and North Sulawesi). We use data of tourism statistics from Statistics Bureau and Ministry of Creative Economy. By applying random effect panel data analysis, we found that all variables are significantly associated with PAD. Our empirical estimates shows that a one percent increase of labor force in accommodation sector is associated with 0.0075% increase in PAD, one percent increase of room occupancy rate associated with 2.85% increase in PAD while one percent increase of tourist expenditure is associated with 0.257% increase in PAD. The individual effect estimates show higher impact in Central Java and North Sumatera compared to West and East Nusa Tenggara and North Sulawesi and thus further confirming our presumption that there are some disparities between tourism spots in West and Eastern part of Indonesia.