The research aims to determine the influence of profitability, Capital Adequacy Ratio and revenue diversification against the risk of Bank. This study used case study on the banking companies and used the banks listed on the Indonesia Stock Exchange (IDX) in period 2014-2018 as the population. The research used purposive sampling technique.The data analysis techniques used statistical descriptive test, classical assumption testing (normality test, autocorrelation test, multicolinearity test, and heteroskedasticity test). Hypothesis testing used multiple linear regression analysis. The data quality testing used T test, F test and determination test. The results showed that profitability, Capital Adequacy Ratio partially had a negative and significant influence on the bank risk, while the revenue diversification had a positive influence on the bank risk. Simultaneously, the profitability, CAR and diversification of revenues had a significant influence on the bank risk.

This study aims to find out how significant the difference caused by the covid-19 pandemic is on the Profitability (ROA,ROE,NPM) of the Kompas 100 company.In this research, using descriptive comparative with quantitative approach and using secondary data. The population includes companies listed on the Kompas 100 index on the Indonesia Stock Exchange, then selected using purposive sampling technique, obtained a total of 46 companies that meet the criteria. The profitability uses (ROA, ROE, NPM). Then the ratio was tested differently using the Wilcoxon sign rank test with the help of SPSS 22.The results showed that there was a significant difference in profitability ratios which included ROA, ROE and NPM at the Kompas 100 company between the period before and during the covid-19 pandemic. Keywords: Profitability, ROA, ROE , NPM

Lecturers are professionals as well as scientists who are obliged to carry out the Tri Dharma of the college (Teaching, Research and Community Service). The performance of lecturers in the three dharma has an impact on the quality of higher education and also the development of the academic career of lecturers. However, the fact that was observed in FE UST, some lecturers spent more of their service in the teaching field only, while the implementation of research (especially the published ones) was minimal and only to meet the minimum standards of its obligations. Based on the literature review the factors that influence the performance of lecturers include Motivation, Competence and Commitment. The test results concluded that only the lecturers' motivation was influential, while competence and commitment had no effect.

The purpose of this research was to determine the effect of macroeconomic on Generallending and SMEs in Yogyakarta by using multiple linear regression analysis. The variables that will be analyzed are: Inflation, GDP, BI rate and Exchange as the independent variable, while the dependent variable is the General and SME Lending. The results showed no significant simultaneously effect of the macroeconomics variables on general lending and SMEs growth in Yogyakarta. Only Inflation partiallyaffected on lendings growth in Yogyakarta. Keywords:Macroeconomics,General Lending and SMEs

AbstrakPenelitian ini bertujuan untuk menguji pengaruh fintech payment dan literasi keuangan terhadap perilaku manajemen keuangan mahasiswa. Sampel penelitian ini adalah mahasiswa Fakultas Ekonomi UST. Metode untuk mendapatkan data dalam penelitian ini adalah kuantitatif dengan cara melakukan penyebaran kuisioner kepada mahasiswa yang berjumlah 50 responden. Data di analisis menggunakan Regresi Linier Berganda hasil penelitiannya pada Uji t menunjukan variabel (X1) fintech payment berpengaruh positif terhadap variabel (Y) perilaku keuangan, karena memiliki nilai sig 0,00. Sig < alpha jadi 0,00 < 1,738 hasil penelitiannya pada Uji t menunjukan variabel (X1) fintech payment berpengaruh positif terhadap variabel (Y) perilaku keuangan, karena memiliki nilai sig 0,00. Sig < alpha jadi 0,00 < 1,738, untuk variabel (X2) literasi keuangan berpengaruh positif terhadap variabel (Y) perilaku keuangan dengan Sig < alpha jadi 0,00 < 0,619. Sedangkan untuk variabel (X1) Fintech payment dan (X2) Literasi Keuangan secara simultan berpengaruh positif terhadap variabel (Y) perilaku keuangan dengan sebesar 0,501 dengan signifikasi 0,003. Kata kunci: Fintech payment; literasi keuangan; perilaku keuangan The influence of fintech payments and financial literacy on student financial management behavior