Efektivitas kredit UMKM memiliki nilai yang baik dengan pencapaian hasil outstanding yang meningkat setiap tahun serta outcome yang baik bagi masyarakat penerima dana KUR akan tetapi dengan hasil tersebut ada beberapa catatan yang perlu diperhatikan oleh BRI Unit Tarus yang bertanggungjawab terhadap kredit UMKM. Penelitian ini bertujuan untuk mengetahui Efektivitas Kredit Usaha Rakyat BRI Unit Tarus dalam pengembangan usaha mikro kecil dan menengah Kelurahan Tarus. Penelitian menggunakan metode deskriptif kualitatif. Dengan teknik pengumpulan data  kepustakaan dengan mempelajari bahan atau literatur manajamen pemasaran, efektivitas, kredit usaha rakyat dan UMKM Kelurahan Tarus, karena ada hubungannya dengan masalah efektivitas kredit usaha rakyat BRI Unit Tarus dalam pengembangan UMKM Kelurahan Tarus, lapangan penelitian yang dilakukan dengan cara langsung ke BRI Unit Tarus dan Kelurahan Tarus, untuk mengumpulkan data-data yang dibutuhkan dalam menulis masalah efektivitas kredit usaha rakyat BRI Unit Tarus dalam pengembangan UMKM Kelurahan Tarus. Hasil penelitian diketahui bahwa Efektivitas kredit UMKM pada akhirnya memiliki nilai yang baik dengan pencapaian hasil outstanding yang meningkat terus setiap tahun serta outcome yang baik bagi masyarakat penerima dana KUR akan tetapi dengan hasil yang baik tersebut ada beberapa catatan yang perlu diperhatikan oleh BRI Unit Tarus yang bertanggungjawab terhadap kredit UMKM. Kata kunci: efektivitas, Kredit Usaha Rakyat (KUR), Usaha Mikro Kecil dan Menengah (UMKM).

Purpose: This study discusses the influence of financial behavior, financial literacy, and macroeconomics on stock investment decision-making in East Nusa Tenggara. Research Methodology: This research is associative research with a quantitative approach. Distributing questionnaires to 225 investors who were used as research samples collected research data. The data obtained were analyzed by multiple linear regression analysis. Results: Partially or simultaneously independent variables affect the dependent variable in the form of investment decisions positively and significantly. Only financial literacy does not have a significant influence on investment decisions Limitations: This research was conducted during the Covid-19 pandemic, where everything that was done in this research was done without meeting directly with the informants. In addition, the variables studied in this study are dynamic and complex in which the results and thoughts can change at any time according to existing conditions. Contribution: This research becomes scientific information about investor behavior in making investment decisions specifically in the East Nusa Tenggara region. Keywords: 1. Behavioral Finance 2. Financial Literacy 3. Macroeconomics 4. Investment Decisions

This research aims to analyze the literacy levels of Oesapa Market traders. This research is a quantitative descriptive by using survey method. There are four indicators that used in this research, that indicators are: 1) Financial Knowledge,2) Financial Behaviour, 3) Financial attitudes and 4) Banking Technology. The population in this study was all traders in Oesapa Market and the sample in the study were 90 respondents from the entire population. Primary data were obtained from respondents by using questionnaires and direct interview with each respondents. The result of this research shows that literacy level of Oesapa Market traders be in moderate level which is for financial knowledge, financial behaviour and financial attitude be in moderate level, while banking technology conception in low levels. But for totality literacy level is moderat, it means that Oesapa Market traders have a knowledge and belief to Financial institution but they are not skilful to use products/services of financial institution.

Penenlitian ini berjudul ‘’Pengaruh Jumlah Simpanan Dan Jumlah Pinjaman Anggota Terhadap  Sisa  Hasil  Usaha  Pada  Koperasi  Kredit  Handayani  Bajawa’’  sisa  hasil  usaha tergantung pada aspek volume usaha yang dijalankan koperasi   mencukupi yakni tersedianya modal yang mencukupi baik itu dari simpan maupun   pinjaman anggota. Untuk mencapai semuanya itu, maka harus didukung oleh adanya partisipasi anggota. Tujuan penelitian ini adalah untuk mengetahui pengaruh jumlah simpanan saham, jumlah pinjaman anggota terhadap sisa hasil usaha pada koperasi Kredit  Handayani Bajawa. Teknik pengumpulan data yang dilakukan yaitu dengan mempelajari laporan-lapora Rapat Anggota Tahunan (RAT). Metode analisis yang digunakan adalah uji model, analisis linear berganda, analisis korelasi berganda, uji simultan, uji parsial. Hasil penelitian menunjukkan bahwa terdapat hubbungan yang sangat kuat antara jumlah simpanan saha, jumlah pinjaman terhadap sisa hasil usaha. Dengan  demikian,  dalam  rangka  meningkatkan  sisa  hasil  usaha,  pihak  koperasi  Kredit Handayani Bajawa perlu memperhatikan kedua variabel ini yakni jumlah simpanan saham dan jumlah pinjaman.

The birth of the regulation of the Minister of National Education Republic of Indonesia Number 47 2011 concerning the internal oversight unit within the Ministry of Education, that in the framework of strengthening governance and accountability, the implementation of duties and functions and activities within the Ministry of National Education, need to be systematically monitored so that it is controlled, efficient and effective, in accordance with regulations legislation. The regulation of the Indonesian national education minister Number 47 2011 concerning the Internal Oversight Unit within the Ministry of National Education and strengthening the governance of the implementation of duties, functions and activities at Nusa Cendana University need to be systematically monitored so that it is controlled, efficient and effective in accordance with applicable regulations. This study aims to determine the strengths, weaknesses, challenges and threats faced by the Internal Supervisory Unit today. The analysis tool of this research is descriptive analysis, SWOT analysis. The results showed: 1) The need for a leadership policy formulation that strengthens the capacity of the Internal Supervisory Unit as OTK at the Nusa Cendana University, 2) The need for providing the opportunity for auditors to attend education and training in order to increase auditor competence.