Customers' needs drive the competitive nature of today's business environment. To achieve desired outcomes, resources must be transformed effectively and efficiently. Performance evaluation is one of the most important benchmarking tools for modern businesses due to sophisticated technologies, computerized processes, communication, and fierce competition. The study analyzed the performance of 26 commercial banks from 2008 to 2016. Efficiency and effectiveness were calculated using data envelopment analysis(DEA). The results showed that the sub-optimal performance of banks was caused mainly by ineffectiveness compared to Efficiency. Banks were further categorized into four groups based on their average efficiency and effectiveness scores into Ace, Underdogs, Lucky, and Unlucky. This matrix suggests that banks in the Lucky quadrant should improve Efficiency, those in the Unluck group should diversify, and those in the Underdogs quadrant should merge. Banks in the Lucky, Unlucky, and Underdog quadrants should emulate the Ace quadrant's success.

Lack studies have determined the factors that affected students' engagement and self-efficacy in online learning at Indonesian higher education institutions, therefore, this scientific work intends to fill the knowledge gap about self-efficacy and engagement qualitatively. The research questions are focused on determining the level of self-efficacy and engagement of students with online learning activities. A qualitative research design was chosen to answer the phenomenon. Observations, interviews, and documentation techniques are used to collect the data. The subject of this research was fifty undergraduate students of the Faculty of Tarbiyah at IAIN Sorong. All of those participants were chosen because they have been experiencing online learning instruction. The data analysis was done by extensively coding the transcripts of the interviews and observations. The correctness of the transcripts of the audiotaped interviews was compared to the original recordings. High self-efficacy and contributing factors include the easeof the online environment, time management, and technology use. However, low self-efficacy and contributed factors are unstable internet access, and unfamiliar online learning applications. Enthusiasm, challenge, usefulness, emotion, participation, and performance are contributing factors to high student engagement. Low engagement and contributing factors: signal interruption, an inadequate device, and a monotonous teaching and learning process