The aim of this research is to offer a model for student character on the basis of character building in teaching learning process. The sample group with 450 students represented grades 4-6 from 5 elementary schools in Jakarta. The Structural Equation Modeling (SEM) was used to analyse the data of this research. The findings confirmed that character building in teaching learning process encouraging student character was not supported. Preparation of teaching learning process, the core of teaching learning process, and the closing of teaching learning process supported character building in teaching learning process. The student love of learning and the student perseverance predicting student character were not supported in this research. The student prudence supported the student character. SEM measurement showed that the model promoted in this study is a fit model. This study gives a practical contribution by showing that character building in teaching learning process can improve the level of student noble characters by supplying a model for student character. Using this model, the students' positive characters can be improved to prevent student moral decline. This study can address the students' positive attitudes through the model of study results.

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There are two sectors of banks operating in Indonesia, namely Sharia banks and conventional banks. Improving performance is important in maintaining public confidence in the bank. Efficiency is one of the parameters to measure the performance of Sharia banks. This study measures the comparative level of technical efficiency of Sharia commercial banks and conventional banks by Stochastic Frontier Analysis method during 2011–2015 period by using 10 samples of Sharia commercial banks and conventional banks. Input variables in this study are total deposits, operational costs, and other operational costs. Total financing is an output variable. The results of this study show that total deposits and operational costs have a positive and significant impact on total financing in Sharia and conventional banks. The average score of the technical efficiency of Sharia commercial banks during the period observed is 0.84 and conventional banks is 0.85.

In response to the COVID-19 pandemic, single-use disposable masks saw a dramatic rise in production. Facial masks that are not properly disposed of will expose the environment to a form of non-biodegradable plastic waste that will take hundreds of years to degrade. Therefore, recycling such waste in an eco-friendly manner is imperative. Fibered or shredded waste masks can be used to make green concrete that is an environmentally friendly solution to dispose the facial masks. This study prepared six classes of concrete samples, three of which contained fibers from masks and three of which contained shredded masks at the ages of seven days and 28 days. The results show that in the seven-day and 28-day samples, mask fiber added to the mixes resulted in increased compressive strength. For seven-day and 28-day samples, the compressive strength increased by 7.2% and 10%, respectively. Despite that, the results of the shredded mask addition to concrete indicate that the increase in shredded mask volume has a minor impact on the compressive strength of the seven-day samples. An increase in shredded mask from 0.75 to 1% increased 28-day compressive strength by 14%. However, the compressive strength of the mask fiber decreased by 8 after 1% volume. According to a thermal analysis of 28-day concrete samples, as the fiber percentage increases, the mass loss percentage increases. The mass loss rate for samples containing fibers is higher than that for samples containing shredded mask pieces. In general, based on the results mentioned above, the use of fiber in concrete in its fiber state enhances its strength properties. As a result, using shredded mask pieces in concrete leads to better curing due to the reduction of residual capillary pore water loss in construction materials.

The purpose of this study is to examine the effect of market power and income diversification on the General Bank stability in Indonesia. This research uses a data sample of 20 general banks listed on the Indonesia Stock Exchange for the period of 2011-2014. Data analysis technique used is Multiple Linear Regression. It can be concluded simultaneously that market power and revenue diversification have significant effect on bank stability and, partially, market power has a positive and significant effect on a bank stability. Income diversification has a positive non-significant effect on bank stability.

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