Di Indonesia terdapat dua jenis bank umum yaitu bank yang melakukan usaha secara konvensional dan bank yang melakukan usaha secara syariah. Tujuan penelitian ini adalah untuk membandingkan kinerja keuangan bank konvensional dengan bank syariah periode 2014-2018 yang terdaftar di BEI. Parameter yang digunakan untuk membandingkan kinerja keuangan perbankan adalah dengan menggunakan rasio keuangan yaitu dengan metode analisis REC(Risk profile,Earnings,Capital) yang dimana di dalamnya terdapat 5 rasio keuangan yaitu NPL/NPF,LDR/FDR,ROA,BOPO dan CAR . Populasi dalam penelitian ini adalah 45 bank konvensional dan 6 bank syariah yang terdaftar di BEI. Pengambilan sampel dilakukan dengan purposive sampling sehingga sampel yang digunakan yaitu 3 bank syariah yang diwakili oleh Bank Rakyat Indonesia (BRI) Syariah, Bank Negara Indonesia (BNI) Syariah, dan Bank Mandiri Syariah serta 3 bank konvensional yang diwakili oleh Bank Rakyat Indonesia (BRI), Bank Negara Indonesia (BNI), dan Bank Mandiri . Data yang digunakan dalam penelitian ini diperoleh dari laporan keuangan publikasi tahunan oleh masing-masing bank yang diteliti. Teknik analisis data yang digunakan adalah Uji Beda Dua Rata-rata (Independent Sample t-test). Hasil dari penelitian ini menunjukkan bahwa NPL, LDR, ROA, BOPO dan CAR, terdapat perbedaan yang signifikan antara bank konvensional dengan bank syariah. Kinerja keuangan bank konvensional lebih baik dari segi rasio NPL, ROA,BOPO dan CAR, sedangkan kinerja keuangan bank syariah lebih baik dari segi rasio LDR.

This research was conducted with the aim of formulating the mapping of Human Resources in order to support the development of floral village tourism, Banyuurip Village, Gresik District, East Java. This research was conducted using a descriptive method to obtain a Human Resources map consisting of identification of gender, age, educational background, work experience and competencies possessed by the people of Kampung Bunga in Banyuurip Village, Gresik. The data was taken through a survey with a questionnaire instrument to the community to support the growth of the tourist village in Banyuurip. After the data was collected, an analysis was carried out using descriptive analysis. The results showed that most of the respondents in this study were 60% men and 40% women, aged 30-50 years, on average had a secondary education and mostly working in the field of florists and flower farming. Furthermore, the average respondent has competency in the field of business and farming florists, and they were expert, because this job has been practiced for a long time and this requires special skills. They are very enthusiast when their village is developed into a tourist village and are willing to take an active role and take part in their respective fields. They also want some training in managing tourist villages, and other training such as planting and taking care of flowers, marketing training, compost making, culinary, catering and so on.

In 2021, Universitas 17 Agustus 1945  Surabaya received KsK MBKM funding assistance for 6 study programs. This research was conducted to determine the impact of the implementation of the MBKM KsK program in the Untag Surabaya environment. The activities carried out were data collection by filling out questionnaires and conducting Focus Group Discussions (FGD) with MBKM implementing stakeholders at the University, namely the Head of Study Programs, Lecturers, Students, Education Staff, and Partners for the implementation of MBKM implementation. From the results of the questionnaire and FGD, in general the implementation of the KsK MBKM in each study program provides benefits for the Head of Study Programs and Lecturers because they support the preparation and review of the curriculum in accordance with the MBKM program. The study program also collaborates with partners to develop a scheme for off-campus activities. Education staff also supports MBKM activities, starting from the preparation of curriculum documents to preparing for the implementation of MBKM activities.  Students are certainly very enthusiastic about participating in this MBKM activity, especially internship activities. What needs to be given more attention is the lack of insight from students, several lecturers, staff, and partners regarding the policies and SOP for MBKM activities made by both the University and Study Programs, so that in the future it is necessary to carry out a lot of socialization and education, as well as directly involve the students stakeholders to make MBKM activities at Untag Surabaya better.

The purpose of this study is to analyze and prove the effect of Investment Decision, Capital Decision, Industry Performance, Macro Economic As Antecedent Variables of Financial Risk Management And Financial Distress To Value Of The Firm With GCG As Moderating Variables. The population of this study is manufacturing companies listed on the BEI from 2014 to 2016. Using the method of purposive sampling it was found 40 manufacturing companies as research samples. The result of this research shows that Investment Decision, Capital Decision , Industry Performance , Macro Economic, Financial Distress and GCG have significant influence to the company value of the firm , but Financial Risk Management has no significant influence to company value of the firm. GCG moderates significantly the influence of Financial Distress and Financial Risk Management on Value of the firm.

As a result of the Covid-19 pandemic, the Indonesian economy has been severely affected. Surabaya city's economy contracted by -4.85% in 2020 and by 2021 it grew to 4.29%. Surabaya's poverty rate in 2021 is 5.23%, or 152,489, an increase of just 5.02% from 2020. As a result, household consumption, the mainstay of the economy, slowed significantly, impacting various performance sectors. Fiscal welfare is important for governments to accelerate economic recovery. The purpose of this study is to analyze the impact of financial management on financial literacy, financial awareness, income, financial behavior, and financial inclusion of Surabaya families. This study used a quantitative method with a simple random sampling method. This study uses primary data through the distribution of questionnaires. The data analysis used in this study is partial least squares (PLS). The results of this study show that financial literacy has a significant and positive effect on financial behavior, financial literacy has a significant and positive effect on financial inclusion, financial literacy has no significant effect on financial well-being, and financial perceptions has no significant effect on financial well-being. Financial behavior, Financial perceptions have a significant positive impact on financial inclusion, Financial perceptions have no significant impact on financial well-being, Income has a significant positive impact on financial behavior, Income has a significant positive impact on financial inclusion Affects positively, income does not have a significant impact on financial well-being. In addition, financial activity brings income from financial well-being. Financial behavior, on the other hand, cannot mediate the impact of financial literacy and financial awareness on financial well-being. Also, financial inclusion cannot communicate the impact of financial literacy, financial awareness, or income on financial well-being.