Abstract. This study aims to determine description of self -efficacy and initial cognitive abilities on the students of MAN 1 Bandung (senior high school) in learning physics on the subject of electrical circuits Direct Current (DC) before they get academy ask assigned in the classroom. From the results of this research can be used as a reference to provide appropriate measures for the advancement of student learning. The theory used in this research is the theory of Bandura. The design in this study using case study and data collection is done by tests and questionnaires, sampling techniques used by random sampling, the study was conducted on 10 th grade students of MAN 1 Bandung by the amount of students 35 participants. The results of data analysis showed that the percentage of students who have moderate self-efficacy amounted to 67.05 %, and cognitive ability 50 %, this shows that the process of learning that takes place in school before that junior high school is not much scientific implement processes that provide students the opportunity to discover new things , then learning approaches of right is Problem Based Learning (PBL).

Kebutuhan hidup manusia semakin meningkat seiring dengan semakin modernnya zaman. Hal tersebut menjadi permasalahan bagi sebagian masyarakat yang berpenghasilan menengah ke bawah, sehingga keluar lah ide untuk menjalankan usaha, dengan proses dan akses yang mudah melalui utang pada rentenir. Pada praktiknya utang piutang kepada rentenir ini tidak mampu menyejahterakan peminjam, karena pinjaman dari rentenir hanya mampu memenuhi kebutuhan materi sesaat tetapi tidak dengan kebutuhan spiritualnya. Dengan begitu menyebabkan peminjam kesulitan untuk untuk membayar utang dengan bunga yang begitu besar. Dalam syariat Islam hal ini diharamkan karena rentenir mengambil keuntungan yang begitu besar (bunga) atau riba. Penelitian ini bertujuan untuk mengetahui dampak praktik rentenir terhadap dinamika ekonomi masyarakat, kemudian ditinjau dari segi hukum Islam pada masyarakat, khususnya masyarakat Kecamatan Pamijahan Kabupaten Bogor. Penelitian ini merupakan penelitian kualitatif  deskriptif, dan menganalisis secara deduktif. Adapun hasil yang didapatkan pada penelitian ini adalah dampak praktik rentenir terhadap dinamika ekonomi sangat merugikan masyarakat, serta dalam tinjauan ekonomi Islam terhadap praktik rentenir ialah sangat bertentangan dengan Islam karena mengandung riba. Oleh karenanya dilarang untuk melaksanakan praktik rentenir.

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The objective of this research is to know the relative efficiency of the sanitation service unit in each regency or municipality of South Sulawesi. The model for analysis is data envelopment analysis (DEA). The regions achieving efficiency for sanitation service during: (a) 2001 and 2002 were Makassar, Takalar and Maros, (b) for 2003 the region that achieved efficient for sanitation service are Makassar, Pare-pare, Barru, Bone, Takalar, Maros and Pinrang (c) in 2005 the region that achieved efficiency in sanitation service were Makassar, Bone, Maros and Pare-Pare, (d) in 2006 the region that achieved efficiency for sanitation service were Makassar, Bone and Maros.

Skills in using computers or digital are also very instrumental in determining a person's success in this case at the level of education. Vocational High School (SMKN) 1 Sakra is a vocational high school in Sakra District, East Lombok district. Class of 2020 students are students who from the beginning of entry to graduation are students who created the Covid 19 pandemic, the teaching and learning process uses courage. Vocational students who should get maximum practicum are constrained because learning is carried out at home using bold learning, this causes the knowledge and skills of grade 3 students to be minimal and can result in students having difficulty finding work. From this problem, the PkM team at the Mataram University of Technology improved computer skills and information management by conducting training that focused on the introduction of the internet, operating MS. Office and how to manage information in this case using Google Drive. The results of this study were students' knowledge of computers and information technology, students were able to operate well Ms. Office and students are able to manage information well.