Along with the level of development of the times, the development of the business world in Indonesia has entered the era of globalization which has resulted in the opening of markets in Indonesia to compete with foreign competitors through trade. Based on the financial ratios and policies of banks that want to review the health of their banks, the measures that must be considered are Macroeconomics, namely the exchange rate, inflation, Central Bank of Indonesia (BI) rate, lending, namely the size of the value of the credit channeled, Collectability is the size of Non-Performing Loans (NPL) and Fund Raising. The Purpose of This Research is to Influence BI Rate, Exchange Rates, Inflation and Third Party Funds (DPK) On Credit Distribution and the Impact on Non-Performing Loans (NPL) At Bank XYZ Commercial Segment. The research method used is a method with a quantitative research approach, while the type of research is descriptive and verification research. To test the research hypothesis, the Path Analysis method is used. Partially the BI rate and Third Party Funds (DPK) have a significant effect on lending, while the exchange rate and inflation have insignificant effects on lending at the commercial segment Bank of XYZ. In addition, the exchange rate and DPK have a significant influence on NPL, while the BI rate, inflation and lending have not significant influence on NPL in the commercial segment Bank of XYZ.

In 2014, Bank Indonesia established the National Non-Cash Movement. Cashless payments are made digitally for changing financial transactions among people. This study aims to investigate whether gender, income, herding behavior in shopping, debt behavior, and almsgiving behavior affect the opportunities for using cashless payments in Sumatra, Indonesia. The sample consists of 500 people who come from five major cities in Sumatra, including Medan, Batam, Palembang, Padang, and Lampung. Logistic regression was used as the analytical tool. The results of the present study revealed that at alpha five percent, income and herding behavior in shopping had an effect on the use of cashless payments. The implication is that the use of cashless payments can be promoted through increasing the community income so that it can increase economic growth and efficiency at the same time. However, herding behaviour should not be excessively exercised despite it can increase the use of non-cash transactions.

Many cases of investors who experience losses in investing by buying company shares have led to thoughts about what information is actually needed by investors in reducing the possibility of mistakes. The purpose of this research is to find and create the latest model of information that should be conveyed to reduce the occurrence of multi-interpretation of information. The population used is 540 companies listed on the Stock Exchange with the criteria of having active financial and web reports at the time of the study, then the target population becomes 302 with the sampling method using saturated samples then the entire target population is sampled as many as 302 companies. The analysis used is path analysis using the smart PLS tool, The researcher managed to make a finding that at alpha five percent, profitability directly had a positive and significant effect on general corporate information, and stock prices, but not on foward-looking information. General corporate information directly affects the stock price while foward-looking information does not significantly influence the stock price. Indirectly, profitability has a positive and significant effect on stock prices through general corporate information, but not through foward-looking information.

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The purpose this study to find variables that can influence dividend policy using the dividend payout ratio variable. The factor used is debt policy, credit risk, capital adequacy ratio, life cycle, capital structure, Inflation, growth domestic product, unemployment and oil price. The data of this study are 14 banks in Indonesia from 2009-2018. The test method of data is using panel data regression. The results of this study, there are 4 variables that affect dividend policy, namely credit risk, capital structure, inflation and oil prices. while other variables do not have a significant effect on credit risk. the results of variable oil prices are different from previous studies because the subject of this study is banking. Where the increase in oil prices can have a positive impact on dividend policy in the mining industry, but have a negative impact on the banking industry.

Electronic word of mouth (e-WOM) is a word-of-mouth promotion using internet-connected electronic devices. However, e-WOM among students has not been effective as it has not created any impacts on universities concerned. The purpose of this research is to evaluate e-WOM among students and direct the occurrence of positive e-WOM which will ultimately impact universities, especially private universities in Medan. This study used the confirmatory factor analysis (CFA) method to test how well measured variables represent constructs or the preformed factors. This research is quantitative involving 210 students of the fourth semester above. The data collected were processed with AMOS Program. The confirmatory factor analysis tests showed as many as 21 indicators remained in the model. The goodness-of-fit value of all models for each variable is received after the modification process.

There are two types of BPJamsostek participation: Non-Wage Recipient Participants (PBPU) and Wage Recipient Participants (PPU). The participation turnover of non-wage recipient participants at BPJamsostek Medan City is higher than that of wage recipient participants. Meanwhile, BPJamsostek focuses on the participation of non-wage recipient participants because they do not have a forum that addresses their needs, in contrast to wage recipient participants. There are indications that the cause of the high participation rate of non-wage recipient participants is due to the lack of services received by participants, especially since BPJamsostek is implementing electronic services. This study aims to see how Electronic Service Quality (E-Servqual) and perceived value influence customer loyalty through customer satisfaction as a mediation variable for participants in BPJamsostek Medan City Branch. The research method is descriptive-quantitative with a path analysis approach to answering the research hypothesis. The study's results indicate that perceived value affects customer loyalty either directly or indirectly through customer satisfaction as a moderating variable. Meanwhile, e-service does not affect customer loyalty directly or indirectly through customer satisfaction as a moderating variable. Keywords: E-ServQual, Perceived Value, Customer Satisfaction, Customer Loyalty

The purpose of this study is to analyze the effect of financial ratios on stock returns with earning per share as moderating variable in Banking Companies on the Indonesia Stock Exchange (2012–2017 period). This research is a comparative causal research, which is to analyze the causal relationship between two or more variables. The seven companies are Bank Mandiri (Persero) Tbk (BMRI), Bank Central Asia Tbk (BBCA), BANK Rakyat Indonesia (Persero) Tbk (BBRI), Bank Bumi Arta Tbk (BNBA), Bank Negara Indonesia (Persero) Tbk (BBNI), Bank Tabungan Negara (Persero) Tbk (BBTN) dan Bank Mega Tbk (MEGA), so that with a 6-year financial report, there are (7x6)=42 research samples. The data analysis method used in testing the hypothesis in this study is multiple linear regression analysis and moderated variable regression analysis with the absolute difference value test method. Based on the results of the study, it shows that the current ratio (CR) has a positive and significant effect on stock returns at Banking Companies on the Indonesia Stock Exchange. Total asset turnover (TAT) has a positive and significant effect on stock returns in Banking Companies on the Indonesia Stock Exchange. Debt to equity ratio (DER) has a negative and significant effect on stock returns of Banking Companies on the Indonesia Stock Exchange. Return on investment (ROI) has a positive and significant effect on stock returns of Banking Companies on the Indonesia Stock Exchange. Earning per share (EPS) is not able to significantly moderate the relationship between CR and stock returns. EPS is able to significantly moderate the relationship between TAT and stock returns. EPS is able to significantly moderate the relationship between DER and stock returns. EPS is not able to significantly moderate the relationship between ROI and stock returns. Keywords: Financial Ratios, Stock Returns, Earning Per Share.