MSMEs are a business sector that has a very important role in a country. This sector is capable of having a huge impact such as economic growth, creating jobs that reach all levels of society and can represent regional characteristics. MSMEs in Garut Regency were affected by the Covid-19 pandemic. This resulting in disrupted business resilience. This study aims to explore the factors that influence business resilience including corporate management strategy, product innovation, and technological capabilities. This study used qualitative methods with data collection using semi-structured interviews. The sampling technique used purposive sampling with 6 respondents. The results of interviews with 3 MSMEs showed that the company's management strategy, product innovation, technological capabilities, and business resilience of the company had not had maximum results.

Penelitian ini memiliki tujuan untuk menganalisis pengaruh rasio keuangan perbankan terhadap jumlah deposito, dengan objek bank umum konvensional kategori BUKU IV. Rasio-rasio perbankan yang dimaksud yaitu tingkat suku bunga, Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), dan Non-Performing Loan (NPL). Penelitian menggunakan data sekunder yang berasal dari laporan Otoritas Jasa Keuangan (OJK) dan annual report tahun 2012-2019 dari 5 bank kategori BUKU IV yang terdiri dari Bank Rakyat Indonesia (BRI), Bank Central Asia (BCA), Bank Negara Indonesia (BNI), Bank CIMB Niaga, dan Bank Mandiri. Hasil penelitian dianalisis menggunakan statistik deskriptif, uji asumsi klasik, analisis regresi panel, serta uji hipotesis (yang berupa uji koefisien determinasi, uji simultan dan uji parsial). Aplikasi dalam pengolahan data menggunakan E-VIEWS versi 12. Penelitian menunjukkan hasil secara parsial variabel tingkat suku bunga dan variabel Non-Performing Loan (NPL) tidak memiliki pengaruh terhadap variabel jumlah deposito, sedangkan untuk variabel Loan to Deposit Ratio (LDR) dan Capital Adequacy Ratio (CAR) memiliki pengaruh terhadap jumlah deposito. Penelitian juga menunjukkan hasil secara simultan variabel tingkat suku bunga, variabel Loan to Deposit Ratio (LDR), variabel Capital Adequacy Ratio (CAR), dan variabel Non-Performing Loan (NPL) memiliki pengaruh terhadap jumlah deposito.