Efficiency is one measure of bank performance. The efficiency of a bank is influenced by how management manages risk. This study measures the level of efficiency of conventional banking at PT Bank Pembangunan Daerah Jawa Tengah and the effect of financing risk, operational risk, and liquidity risk on the level of efficiency. Efficiency is measured by the Operational Expenditure method from Operating Income. The results of the calculation seen from the Operational Expenditure financial ratio report data from Operational Income show the level of efficiency of conventional banking at 80.65% in 2015-2019. The data used as the object of this study is the Bank Pembangunan Daerah Jawa Tengah for the period 2015-2019. Based on the results of statistical tests and discussion analysis, it is known that financing risk, operational risk, liquidity risk together have a simultaneous effect on the level of efficiency PT. Bank Pembangunan Daerah  Jawa Tengah. From the results of hypothesis testing it was found that financing risk has a significant positive effect on the level of bank efficiency, operational risk does not have a significant negative effect on efficiency, and liquidity risk does not have a significant positive effect on the level of efficiency at PT Bank Pembangunan Daerah  Jawa Tengah. And this is also reinforced by a significance value of 0.003 <0.05 (numbers are taken from ANOVA), which means that there is a statistically significant influence between financing risk, operational risk, liquidity risk on the level of efficiency

The area is the center of problems in the administrative record management of Kebayoran District, because of its dense condition and it is difficult to determine land measurements due to the density of residential areas. The problem in Indonesia to this day is that the administrative boundaries of the kelurahan already exist, but the administrative boundaries for the Rukun Warga / Rukun Tetangga (RW / RT) do not yet exist. The local government of DKI already has a large scale map (1: 1,000) to map RW administrative boundaries. Large-scale mapping (Batas RW) is useful for accurate information on incidence of dengue fever or other diseases, thereby eliminating information bias due to the use of village boundary maps. Another benefit is the accuracy of address management for customers, for example PDAM customers, to facilitate verification of customer data with large-scale maps, especially those that only include RT / RW addresses, without mentioning street names and household numbers. The method used is data mining K-Means Clustering. By using this method, the data that has been obtained can be grouped into several clusters, where the application of the KMeans Clustering process uses Excel calculations. The processed data is divided into 3 clusters, namely: high cluster (C1), medium cluster (C2) and low cluster (C3). The iteration process of this research occurs 2 times so that an assessment is obtained in classifying the household / neighborhood unit based on the Kelurahan. The results obtained are that there is 1 neighborhood unit with the highest cluster (C1), there are 4 neighborhood units with 4 medium clusters (C2), and 5 neighborhood units with the lowest cluster (C3). This data can be input to the sub-district to disseminate information about dengue fever, health education, and for the accuracy of PDAM customer address management and others.

Banking is currently being demanded to be able to increase its profitability because profitability is the net end result of various management policies and decisions. This ratio describes the level of effectiveness in managing banking assets if the profit generated by the bank is high it will also have an impact on own capital which can improve the health of the bank related to the Capital Adequacy Ratio (CAR). The research method used is multiple linear regression analysis method. The type of research used is quantitative research. Source of data is secondary data. The data collection technique is a documentation technique. Data processing using SPSS 16. Data analysis used included descriptive test, classical assumption test, multiple linear regression test, hypothesis test, and coefficient of determination test. Hypothesis testing using t test shows that: 1) Return on Assets (ROA) has a positive and significant effect on the Capital Adequacy Ratio (CAR); 2) Return On Equity (ROE) does not have a positive effect on the Capital Adequacy Ratio (CAR); and 3) the F test is known that simultaneously Return On Assets (ROA), Return On Equity (ROE) have a significant positive effect on the Capital Adequacy Ratio (CAR). Then the coefficient of determination (R2) is 0.172 or 17.2%. This means that the contribution of Return On Assets (ROA), Return On Equity (ROE) to Bank BTPN's Capital Adequacy Ratio (CAR) is 84.1%, while the remaining 15.9% is explained by other variables.

This study aims to determine the internal and external conditions faced by the Samo Samo Recycle House, as a basis for determining the appropriate alternative strategies for recycling waste business. Strategy formulation is carried out after the identification and determination of internal and external strategic factors. Internal strategic factors are then included in the IFAS (Internal Factors Analysis Summary) matrix, while external strategic factors are included in the EFAS (External Factors Analysis Summary) matrix, and the combination of the two matrices produces a Cartesisus Diagram to determine which company is in the diagram position. From the results of the calculation above, it is known that the coordinate point is located at (y = -0,12; x = 0,39). The coordinate results are presented in the SWOT matrix diagram. After knowing the meeting point of the diagonals (X), the position of the business unit is known in Quadrant II. This position shows the Samo Samo Recycling House, then in business strategies, including: Creating new designs to attract prospective buyers, Strengthening the competitiveness of commodities through improving the quality of results and business efficiency. Quality and creative human resource development

Efforts to understand the increasing business progress by increasing human resources with digital technology through a systematic review were made. We have carried out with the results, among others, that we have systematically reviewed publications confirming that efforts to increase the capacity of human business resources and public service organizations through optimization of digitalization are the right steps and very reasonable. This is because the effectiveness and superiority of technology to this day are unmatched. We seek to find this understanding with a descriptive qualitative approach review design. We searched secondary sources of data through the Google search engine for two data sources; Google Scholar and ERIC publications. For our data to be updated, we choose between the 2010 to 2020 issues except fundamental theory data. Thus these findings become input for business people, academics, and policymaking.