The study aims to overcome the overdispersion in the final exam score of Calculus subject. The occurrence of a gap in the score is inseparable from the influence of internal factors and external factors. The internal factors are factors that originate within students themselves. In contrast, external factors are factors that exist outside of students that can affect students' success or failure, such as learning environment, the physical environment where the exam takes place, infrastructure and facility that are owned and used by students, and their condition during the exam. The connection of these factors to the gap in final exam scores can be approached with Poisson regression analysis because Poisson Regression assumes a Poisson distribution of response variables with equidispersion. It is necessary to conduct a research to find out the factors that cause the diversity of the final score in order to overcome, that is by implementing direct learning. The results obtained show that with the application of direct mathematics learning, there is no overdispersion, while the low score of the final exam results in an increase, resulting in the variance of final exam results to be smaller than the average score.

<div class="Section1"><p><strong>Abstrak</strong><strong></strong></p><p><strong>Tujuan</strong> - Penelitian yang dilakukan memiliki tujuan untuk menguji dan menganalisa apakah peningkatan kinerja keuangan dapat dipengaruhi oleh rasio permodalan pada perbankan di Indonesia.</p><p><strong>Des</strong><strong>ain</strong><strong>/Met</strong><strong>odologi</strong><strong>/</strong><strong>Pendekatan</strong>- Rasio permodalan diproksikan dengan 5 rasio yaitu <em>loan ratio</em>, <em>deposit ratio, efficiency of management ratio, liquidity assets ratio dan capital adequacy. </em>Untuk menjawab permasalahan yang ada penulis menggunakan sampel dari Bank Umum yang telah tertera pada Bursa Efek Indonesia. Teknik analisis yang digunakan untuk penelitian ini adalah analisis regresi linear data panel. Setelah melakukan proses pengolahan data, peneliti menggunakan metode <em>random effect model</em> untuk memperoleh hasil atas percobaan yang dilakukan<em>. </em></p><p><strong>Temuan - </strong>Hasil yang diperoleh pada penelitian ini menyarankan bahwa untuk meningkatkan kinerja keuangan perbankan harus memperhatikan strategi dalam pemberian pinjaman, alokasi penganggaran dana untuk biaya operasional perusahaan, ketersediaan dana dan nilai kecukupan modal yang dimiliki oleh bank tersebut..</p><p> </p><p><em><strong>Abstract</strong></em></p><p><em><strong>Purpose</strong> - This study aims to test and analyze whether the capital ratio can have a significant impact on improving banking performance. <strong></strong></em></p><p><em><strong>Des</strong><strong>ign</strong><strong>/Met</strong><strong>hodology</strong><strong>/</strong><strong>Approach</strong><strong> -</strong>The capital ratio is proxied by 5 ratios, namely the loan ratio, deposit ratio, efficiency of management ratio, liquidity assets ratio and capital adequacy. To answer the existing problems the author uses a sample from a conventional commercial bank listed on the Indonesia Stock Exchange. The sample is then solved by a linear data panel regression analysis method. After processing data, the method used to give results in this study is a random effect model.</em></p><p><em><strong>Finding </strong>- The results of this study provide advice to those who have an interest that to improve performance must pay attention to the strategies in lending, budgeting allocation of funds for company operational costs, availability of funds and the capital adequacy value of the bank.</em></p></div>

Financial inclusion is a strategy used by the Indonesian government to reduce financial exclusion. A person's inability to access formal financial services is an obstacle to the realization of the financial inclusion. Financial inclusion can be realized if the community is able to understand formal financial services very well. This study wants to find out whether financial self-efficacy can stimulate individual financial behavior in terms of using formal financial products to realize financial inclusion. Hypothesis testing of this study will be carried out using structural equation modeling (SEM), and the object of research is the people who live in Bogor-West Java. This study finds that there is an influence of financial self-efficacy on financial inclusion. Formal financial service providers must pay attention to the quality of services provided to their customers. Apart from improving the quality of services directly, every formal financial service company must be able to develop products that are easier to reach and understand. The influence of financial self-efficacy on financial inclusion can provide an explanation that the independence of each individual from the side of income owned will have an impact on account ownership in banking. In addition, an increase in the ability of each individual in managing his personal finances must be done. This increase in capacity can be done with an understanding of good financial literacy.

Panti asuhan sosial di wilayah DKI Jakarta perlu ditingkatkan kemandiriannya sehingga bisa bertransformasi dari cost center menjadi sebuah lembaga yang mandiri secara ekonomi. Hal ini dapat dilakukan dengan mengembangkan sebuah bisnis dengan konsep bisnis yang ramah lingkungan dan mempunyai dampak positif terhadap masyarakat sekitar (community empowerment). Penelitian ini bertujuan untuk mengembangkan sebuah framework implementasi bisnis dengan konsep green techno sociopreneur melalui ternak Maggot. Ini merupakan implementasi konsep waste to value, dimana merubah sampah organik menjadi Maggot yang dapat dimanfaatkan sebagai pakan ternak berprotein tinggi. Hal ini akan mengatasi permasalahan sampah pada panti sosial dan masyarakat sekitar secara signifikan, sehingga akan berdampak terhadap penanggulangan masalah lingkungan secara global. Penelitian ini juga berbasis pemanfaatan teknologi tepat guna dengan melakukan redesign mesin pencacacah sampah dengan sistem knock down. Dari uraian di atas, dapat dikatakan bahwa bisnis ternak Maggot ini mempunyai dampak positif terhadap peningkatan ekonomi, lingkungan, dan sosial. Hasil penelitian ini diharapkan dapat memotivasi semua pihak (akademisi dan praktisi) untuk mengimplementasikan sebuah framework model bisnis green techno sociopreneur yang mengkombinasikan konsep green business model dengan pengembangan teknologi tepat guna.

Public interest in insurance programs is still low. What is suspected to be the cause of the low level of public interest, especially the Indonesian people, towards this non-bank financial institution is the incomplete information obtained by the public about this institution in an effort to improve the quality of life in the future. Insurance is widely regarded as a consumer product for the upper class who have more funds and assets that they feel need to get more protection. In fact, insurance has other benefits and advantages for all circles of society at large. The problems highlighted by the OJK include unscrupulous agents who are classified as fraud on customer premium deposits, welcoming calls with closed questions, 'unitlink statements' which only cover insurance and administrative costs, and the absence of information on calculating premium returns in the event of contract cancellation at the time of policy. take place. The problems in the insurance industry started when financial inclusion was quite high, but literacy was still low. This means that financial products are in high demand by the public, but their understanding of these products is still low. Based on experience so far in both banks and insurance, knowledge of investment still needs to be improved. In helping OJK provide insurance literacy for the community, this Community Service has a mission to improve Insurance Literacy for the Community in Mangun Jaya Village, Kec. South Tambun. Training on Insurance Literacy will be held on March 27, 2022 for 2 hours. In accordance with the Covid-19 protocol, which limits the number of participants, the training can only be attended by 13 participants, most of whom are women. To be able to see whether the training provided was able to improve insurance literacy for participants, a test was carried out using a Paired Sample T-test, the test results showed that the training provided was able to increase understanding about Insurance for the Mangun Jaya community in South Tambun.