Finding a determinant of profitability has become one of the most popular topics in banking research. Previous research has identified many factors that significantly influence bank profitability. There are also many studies that measure the effectiveness of sharia banking globally, but few analyze the profitability issues of sharia banks. This study aims to analyze the impact of factors affecting profitability in Islamic Banks listed on the Indonesia Stock Exchange. The method used was multiple linear regression analysis. The variables were return on assets as dependent variable and murabahah, musyarakah, mudharabah, branch office, cash office, and Automatic Teller Machine as independent variables. This study found that funding factors, such as murabaha, musharaka, and conventional and electronic networking factors, such as branch office, cash office, and ATM, had positive and significant impact on profitability of sharia bank, while mudharabah had a negative and significant influence on profitability of sharia bank. Sub-branch offices also had a negative but insignificant effect on the profitability of sharia banks. This result indicated that income on management became the most dominant income in generating profit for sharia banking. However, the management of funds could not work if they were not supported by Islamic banking channeling tools.

Finding a determinant of profitability has become one of the most popular topics in banking research. Previous research has identified many factors that significantly influence bank profitability. There are also many studies that measure the effectiveness of sharia banking globally, but few analyze the profitability issues of sharia banks. This study aims to analyze the impact of factors affecting profitability in Islamic Banks listed on the Indonesia Stock Exchange. The method used is multiple linear regression analysis. The variables are return on assets as dependent variable and murabahah, musyarakah, mudharabah, branch office, cash office, and Automatic Teller Machine as independent variable. This study found that funding factors such as murabaha, musharaka and conventional and electronic networking factors such as Branch Office, Cash Office, and ATM had positive and significant impact on profitablity of Sharia Bank, while mudharabah had a negative and significant influence on profitablitas Sharia Bank. Sub-Branch Offices also had a negative but insignificant effect on the profitability of Sharia Banks. This result indicated that income on management became the most dominant income in generating profit of sharia banking. However, the management of funds could not work if not supported by Islamic banking channeling tools.

The objective of the financial inclusion program is to eliminate all forms of barriers to public access to the use of financial services supported by existing infrastructure. Thus the SMEs community will easily overcome the problem of lack of capital by getting easy financing services from banks, in this study conducted on the SMEs community in the Karangmluwo cracker industry. However, can the SMEs community of the Karangmluwo cracker industry as a whole be able to feel the benefits of the financial inclusion program? Until this research formulated the formulation of the problem: What is the role of financial institutions in financial inclusion in the Karangmluwo cracker industry SMEs?, what are the arguments of the Karangmluwo cracker industry community who are reluctant to collaborate with financial institutions? crackers Karangmluwo?. This study uses a descriptive qualitative approachand the results of research on several SMEs in the cracker industry of the Karangmluwo community, Mangli Kaliwates Jember, show that the benefits of the financial inclusion program are still not evenly distributed, it is proven that there are still Karangmluwo cracker industry communities who are reluctant to collaborate with financial institutions because of the complicated requirements and lack of socialization from the financial institutions. However, there are also some industrial communities in Karangmluwo who can benefit from this financial inclusion

During the pandemic, most of the population not only experienced a decrease in income but also experienced losses in various dimensions of life, such as health, education, and a decent standard of living. So far, poverty is measured by expenditure, and it has not been able to capture all of the above dimensions. Assessing multidimensional poverty provides more specific information so that policies are more relevant. This study evaluates factors and policies related to poverty in Indonesia, especially during the pandemic, using pooled data regression. The variables used are the Human Development Index (HDI), gross domestic product (GDP), population, and wages in 34 provinces in Indonesia from 2012 to 2021. The results show that HDI has a significant negative influence and population has a positive and significant influence on poverty. In Indonesia, the pandemic reduced people's incomes, which increased poverty. Unlike other studies, this study shows that the 2020 wage stagnation policy implemented by the government effectively reduces poverty in Indonesia. During this period of economic recovery, the policies for providing employment and meeting public needs are believed to reduce the level of poverty.