This study aims to analyze the factors that influence stock returns, especially blue chip stocks in the banking sector. The variables used in this study are interest rates, exchange rates and inflation. This research uses a quantitative approach with multiple linear regression analysis models. The results showed that the variable interest rates, exchange rates and inflation affect the blue chip stock returns of the banking sector. But partially, interest rates do not affect the blue chip stock returns of the banking sector while the exchange rate and inflation affect the blue chip stock returns of the banking sector. This research is very useful for investors in making investment decisions, especially in the banking sector.

Local Food according to most people, mentioning that various local foods are considered to contain a fairly low nutritional value and not modern or not modern, that in fact, local food has many advantages compared to imported foods. Because this local resource is included in it local food that has a closeness that is related to food security. development of the product covers aspects of the processing process, distribution to consumption at the household level. The area of Kenjeran Bulak sub-district is a Group of Housewives named SAKKE Group, whose business is to make food and drink or commonly known as food. SAKKE group every day make processed products and fruit juice drink SAKKE Group in Kenjeran area is still less developed, among others: 1) Less Varied for food and beverage types so it is necessary to the diversification of products, 2) For packaging/presentation relatively still simple using plastic place less hygienic, 3) Marketing done by SAKKE group has not been so wide. In implementing the Program utilization of science and technology in our community using the method of mentoring and training on mothers of SAKKE Group. By mentoring and training Product Diversification, Good and Attractive Packaging, and Online Marketing. With training and mentoring in SAKKE group mothers, The quality and quantity of locally produced food-based food products have increased, Diversification of new products, namely Black Dawet based on Mujaer fish, Increased marketing activity and increased sales turnover, Questionable business management with orderly business bookkeeping and increased knowledge and entrepreneurial motivation, so that they can make changes (innovations) in carrying out their business to expand the market and increase revenue.

Macroeconomic factors can be said to have a relationship with the financial performance of banks, both conventional banks and Islamic banks. The condition of the banking sector in East Java is very vulnerable to economic shocks that occur. So it requires a very independent and good liquidity management. The existing banking sector is still very dependent on the policies made by the central bank and the government. Then if there is a financial difficulty caused by unfavorable macroeconomic conditions, then the bank's financial performance may also be disrupted. Based on the analysis of data that has been explained that macroeconomic factors such as GRDP, inflation rate, unemployment rate, BI Rate and exchange rate, which have a very large relationship to the performance of conventional banks and Islamic banks in East Java is the BI rate. This shows that the banking sector in East Java must pay special attention to the dynamics of macroeconomic factors that occur. Whereas the financial performance between Islamic banks and conventional banks shows a difference. This is because the management of bank financial performance between Islamic banks and conventional banks has a different policy.

Penelitian ini bertujuan untuk mengetahui pengaruh pendapatan asli daerah dan pengangguran terhadap indeks pembangunan manusia melalui kemiskinan sebagai variabel intervening di Provinsi Bali. Data yang digunakan adalah data sekunder yang bersumber dari Badan Pusat Statistik, Jakarta, Indonesia dan Badan Pusat Statistik Provinsi Bali. Data sekunder yang digunakan adalah tahun 2010-2019. Analisis data menggunakan regresi linear dengan variabel intervening, dari hasil analisis diketahui pendapatan asli daerah berpengaruh positif signifikan terhadap indeks pembangunan manusia secara langsung, dan pengangguran berpengaruh negative signifikan terhadap indeks pembangunan manusia secara langsung, sedangkan pendapatan asli daerah dan pengangguran melalui kemiskinan sebagai variabel intervening tidak berpengaruh signifikan terhadap indeks pembangunan manusia di Provinsi Bali