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The goal of research on traditional commercial banks listed on the Indonesia Stock Exchange (IDX) is to use earnings as a moderator to ascertain the impact of the capital adequacy ratio (CAR), non-performing loan (NPL), and BOPO on the value of the company. Variables This study uses a quantitative approach and sample data collection through purposive sampling. The samples obtained for this study are 69 samples that meet the standards of the Indonesia Stock Exchange (IDX) and financial statements for the 2020-2022 period. Classical hypothesis testing and moderate regression analysis (MRA) methods were used to analyze the results of this study. The results showed that the Capital Adequacy Ratio (CAR) did not have a significant effect on the value of the company, and non-performing loans (NPL) did not have a significant effect on the value of the company and operating costs. (BOPO) does not have a significant influence on the value of the company. Capital Adequacy Ratio (CAR) can be changed and affect company value, profit cannot moderate the impact of non-performing loans (NPL) on company performance Product value cannot reduce Operating Costs and Operating Income (BOPO) to company value. [ABSTRACT FROM AUTHOR]

School closure policies during the covid-19 pandemic have changed from face-toface to online learning. This change inevitably impacts the unpreparedness of schools, parents, and students in managing learning, which may cause learning loss in children. On its official page, the Indonesian Ministry of Education stated that due to the covid-19 pandemic, the implementation of online learning had caused a significant learning loss. This study analyses the risk of learning loss due to online learning in Indonesia in terms of children's future adversity. This study used a qualitative descriptive method with survey techniques using Google Form and data analysis used the Miles and Huberman model through three stages: reduction, display, and data verification. This study involved 1229 elementary school students spread over 82 cities from 34 provinces in Indonesia. The results showed that there has been learning loss in children in the form of low academic and life skills achievement indicated by difficulty in understanding subject matters (cognitive domain), lack of confidence in expressing opinions (affective domain), and difficulty in accomplishing projects or learning tasks (psychomotor domain). The implication of learning loss is the decline in the quality of abilities, academic achievement, competitiveness, and welfare of children in the future. The results of this research could be recommended as a reference for educational practitioners and insights for future research. [ABSTRACT FROM AUTHOR]

The purpose of this study is to analyze the level of performance of Indonesian banks that meet the Qualified ASEAN Bank (QAB) in terms of aspects of Risk Profile, Good Corporate Governance (GCG), Earning, Capital. The research design is descriptive comparative with quantitative methods. The sampling technique used is Purposive Sampling from Indonesia’s national commercial bank which has the largest capital in ASEAN. The number of samples obtained was three banks, namely, Bank Mandiri, BRI Bank, and BCA Bank. The results of the study show that only BCA banks have the best average RGEC value compared to Bank Mandiri and BRI Bank. BCA Bank can meet the QAB criteria. Therefore, the Bank of BCA can rank I as a QAB Bank. This research is expected to provide information about the importance of measuring RGEC as a basis for meeting Qualified ASEAN Bank standards. [ABSTRACT FROM AUTHOR]