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Purpose: Effectiveness is the achievement of organizational goals by efficiently using existing resources in terms of input, process, and output. The problem formulation of this research is to determine the effectiveness of providing business capital loans in developing women's entrepreneurial spirit (PT Esta Dana Ventura, North Maluku, and North Sulawesi) to determine the effectiveness of providing business capital loans in developing women's entrepreneurial spirit.Methodology:The type of research method used in this research is qualitative-descriptive. This method is a form of problem-solving by identifying problems and analyzing the effectiveness of providing business capital loans in developing women's entrepreneurship. In this research, data was obtained from primary data and secondary data. Data reduction, presentation, and conclusion are the data analysis techniques used.Findings: The research results show that based on interviews with the six women above, the effectiveness of providing business capital loans in developing women's entrepreneurial spirit carried out by PT Esta Dana Ventura Manado is quite effective. It is likely effective because the aim of providing business capital loans in the context of developing women's entrepreneurship by PT Esta Dana Ventura Manado has been achieved to empower and prosper members.Implication:However, there needs to be more supervision over the use of loans by members, resulting in borrowers using business capital loan funds not purely for business but for families whose money is only partially for business, resulting in delays in installment payments.

Purpose:This study analyzes factors influencing students to take the Yogyakarta Muhammadiyah University's Islamic Economics program. The factors that researchers will study include interest, motivation, parental status, and employment which are expected.Methodology: This study uses a questionnaire method by making a list of questions and giving them to respondents in the hope of responding to these questions.Findings:Measurement variable is done by Likert scale using the suspension method. The population in this study were undergraduate students at the Faculty of Religion Islam Department of Sharia Economics at Yogyakarta Muhammadiyah University.Implication:The sampling method was carried out by accidental sampling, a sampling technique based on coincidence/incidental encounter researchers. It can be used as a sample if viewed by someone who coincidentally encountered it; it is suitable as a data source.

Purpose: This research aims to determine, implement, and use the village budget to improve the community's welfare in the Jailolo sub-district, West Halmahera Regency. Therefore, planning for the implementation and accountability of the Village Government is needed. Oversight by the West Halmahera Regency Government plays a vital role in improving community welfare through the village budget.Methodology: This research uses qualitative methods, interviews with the Village Government of the Jailolo District, and directly with the community. This research also limits research to choosing which data are relevant and which are irrelevant.Findings: The results of this study indicate that administratively the management of the Village Government is very effective in the planning, implementation, and accountability of ADD. There are still many things that need to be evaluated by the Jailolo Village Government in terms of improving community welfare through the village budget. Especially in terms of reporting, the village government consistently reports village funds to the village head every month.Implication:The government of West Halmahera Regency aims to enhance the management of village funds by implementing better supervision. It will involve obtaining reports from the Village Head, who is responsible for the funds. The objective is to ensure that village development aligns with the RPJMD and RKPD, creating a unified system in the development area.