Raising financial literation and inclusion of financial can developing small micro entrepreneurship (UMKM) because the agent of UMKM can undesrtand the basic concept of financial product, planning and good management financial, also protecting then from deception and unhealthy work from financial market. This research purposes to know the affection of financial literation and financial inclusion toward developing UMKM work in Sidoarjo area. This research is used ex-post facto with the quantitative approaching. The collected data of the research based on the interview and quetioner distribution with sampling technique which is simple random sampling. Technique of data analysis in this research is analysis of linier double regression with helping program SPSS computer. The result of this research can conclude that financial literation and financial inclusive prove that be an affected factor of developing work UMKM in Sidoarjo. Keywords : Financial Literation, Financial Inclusion, Developing work of UMKM

This study aim was to determine the effect of e-service quality, price perception, and sales promotion on customer loyalty through customer satisfaction on Gojek customers in Yogyakarta. This research is a quantitative study with survey method. The population in this study were Gojek customers in Yogyakarta. The sampling technique used was purposive sampling, with a total sample of 235 respondents. The technique of collecting data used an online questionnaire that has been tested for validity and reliability. The data analysis technique used to test the hypothesis was bootstrapping method using macro PROCESS by Andrew F. Hayes. The results of this study show that there is a positive effect of e-service quality on the satisfaction of Gojek Yogyakarta customers, there is a positive effect of price perception on the satisfaction of Gojek Yogyakarta customers, there is a positive effect of sales promotion on the satisfaction of Gojek Yogyakarta customers, there is a positive effect of customer satisfaction on the loyalty of Gojek Yogyakarta customers, there is a positive effect of e-service quality on the loyalty of Gojek Yogyakarta customers, there is a positive effect of price perception on the loyalty of Gojek Yogyakarta customers, there is a positive effect of sales promotion on the loyalty of Gojek Yogyakarta customers, and there is the effect of e service quality, price perception, and sales promotion on customer loyalty through Gojek Yogyakarta customer satisfaction, as evidenced by the e-service quality variable mediation coefficient of 0,0442; the mediation coefficient of price perception variable is 0,0404; and the mediation coefficient of sales promotion variable is 0.0676.

Sampah merupakan sisa buangan atau hasil limbah yang sudah tidak digunakan Kembali. Desa Binakal merupakan salah satu desa yang ada di Kecamatan Binakal Kabupaten Bondowoso. Salah satu permasalahan di Desa Binakal yang berkaitan dengan lingkungan yaitu sampah. Masyarakat masih kurang mumpuni dalam hal pengolahan sampah. Masih banyak masyarakat yang membuang sampah sembarang baik di pinggir jalan maupun sungai. Adanya permasalahan tersebut memunculkan adanya sebuah kegiatan atau program kerja yaitu bank sampah. Program pengabdian masyarakat ini bertujuan untuk menambah pengetahuan serta meningkatkan kesadaran terhadap pentingnya menjaga lingkungan. Kegiatan ini dilakukan dengan melakukan sosialisasi terlebih dahulu kepada masyarakat mengenai sampah dan sistematika berjalannya bank sampah. Sosialisasi juga dilakukan pada sada di Desa Binakal. Dalam memperlancar kegiatan ini diperlukan adanya koordinator yang langsung diambil alih oleh kasun dan beberapa masyarakat. kegiatan bank sampah ini mampu mewujudkan masyarakat yang paham akan pentingnya menjaga lingkungan dengan melakukan pemilahan sampah dan melakukan kegiatan bank sampah.

This study aims to analyze the effect of product quality, price and brand image on purchasing decisions on Oppo smartphones partially and simultaneously. Respondents in this study were 100 respondents, the sampling technique used was purposive sampling technique using the Slovin formula. The data collection method uses an online questionnaire. The data analysis technique used is multiple linear regression analysis test, t test, classic assumption test, coefficient of determination test, f test using SPSS 20 for windows. The results of this study indicate that partially product quality and brand image have an effect on purchasing decisions, while price has no effect. Simultaneously product quality, price and brand image have a significant effect on purchasing decisions with a determination coefficient of 65% influenced by these three variables, namely product quality, price and brand image, and the rest are influenced by variables outside the research

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