This study examines the determinants of Islamic banks’ non-performing financing from the perspective of regional and sectoral aspects during the periods before and during the pandemic. The study adopts a dynamic panel data analysis, namely the Generalized Method of Moments, and assesses panel data from the Indonesian banking industry in 32 provinces from October 2018 to July 2021 on a monthly basis. The study uses non-performing financing as the dependent variable and regional inflation, total financing, financing to deposit ratio, and Islamic bank size as the dependent variables. The findings indicate that the COVID-19 pandemic generally influenced the performance of non-performing financing in Islamic banks. This was evident in the significant relationship between regional inflation, total financing, financing to deposit ratio, and the non-performing financing value. Moreover, in the sectoral analysis, a different level of impact was observed in each sector. The most severe impact was seen in the construction sector, while other sectors were less affected during the pandemic. The regional analysis shows that all provinces on Java Island, as the epicenter of the pandemic in Indonesia, did not perform better than the provinces outside Java. Concerning policy implications, the Indonesian Financial Services Authority must be more aware of the determinants of Islamic banks’ non-performing financing by considering sectoral and regional aspects. Furthermore, sectoral and regional-based policies should be developed to achieve and maintain the performance of Islamic banks’ non-performing financing. Acknowledgments We are grateful to the Pusat Pengembangan Ekonomi (PPE), Faculty of Business and Economics, Universitas Islam Indonesia No. 259/KajurIE/XII/2021 for support and providing a research grant for the study

Obat generik merupakan obat paten yang telah habis masa patennya sehingga di produksi semua perusahaan farmasi tanpa harus membayar royalti. Obat generik terbagi menjadi 2 (dua) jenis, yaitu obat generik bermerek dagang dan obat generik berlogo. Permasalahan yang terjadi pada masyarakat selama ini adalah mereka menganggap bahwa obat generik adalah obat yang murah dan tidak berkualitas. Hal itu di sebabkan oleh kurangnya edukasi dan sosialisai dasar lebih lanjut terhadap obat generik. Tujuan penelitian ini adalah untuk mengetahui gambaran tingkat pengetahuan obat generik pada mahasiswa Universitas Sahid Surakarta. Penelitian ini termasuk jenis penelitian observasional deskriptif dengan rancangan cross-sectional. Variabel penelitian ini adalah tingkat pengetahuan obat generik. Responden penelitian ini mahasiswa yang terdaftar sebagai angkatan 2017. Teknik pengambilan sampel menggunakan non random sampling. Instrumen yang digunakan berupa kuesioner. Analisa data dilakukan secara deskriptif dengan menampilkan peresentase tingkat pengetahuan 76-100% tingkat pengetahuan tinggi, 56-75% tingkat pengetahuan sedang dan 0-56% tingkat pengetahuan rendah. Hasil penelitian ini menunjukan tingkat pengetahuan obat generik pada mahasiswa Universitas Sahid Surakarta adalah tingkat pengetahuan tinggi sebanyak 36 responden (51,43%), tingkat pengetahuan sedang sebanyak 19 responden (27,14%), dan tingkat pengetahuan rendah sebanyak 15 responden (21,43%).Kata kunci : obat, generik, mahasiswa, pengetahuan

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Although empowering women provides advantages for women and their children and family, the long-term advantage is yet to be deeply studied. By utilizing 14 years of longitudinal information, this study investigated the link between empowerment and later life well-being among women. Data from two later rounds of the Indonesian Family Life Survey (IFLS3 [2000] & IFLS5 [2014/2015]) were analyzed using logistic regression with robust standard error. Results showed that unempowered women were more likely to have trouble in activities of daily living (ADL) in older age. When the analysis was specified based on living locations, empowerment among women living on the island of Java had no statistical association with later life well-being. In contrast, empowerment among women living off the island of Java was highly significant in affecting ADL problems with double strength in magnitude as that of the general sample. This finding provided insight into the vital role that empowerment plays in older adults’ well-being, especially those living off the island of Java. Moreover, having a chronic disease is associated with having a higher likelihood of difficulties with ADL. Older adults who were involved in paid activities are found to perform better in ADL than older persons not working. Furthermore, having more family members impacts the likelihood of difficulties with women’s ADL.