ABSTRACT
An optimal capital structure can provide maximum profits for the company. So, it requires company value and reduces the risk of bankruptcy. This paper aims to describe the capital structure and financial performance of Sharia Banks in Indonesia. The method of study and data analysis means this research is included in the descriptive research category, which identifies various variables. The method used is survey research for which secondary data is available. The population used in this research is Sharia Banks listed on the Indonesia Stock Exchange in 2022, publish financial reports, and are registered with the Financial Services Authority (OJK) during the 2013-2022 period. The results of the analysis of this research description show that capital market growth has a role in financial performance. This means that the development of the capital market creates wider funding opportunities for Sharia Banks in Indonesia. With more accessible access to the capital market through the issuance of shares or bonds on the capital market, Islamic banks can expand their funding sources to support operational activities and business growth. This can help increase liquidity and financial stability at Sharia Banks in Indonesia to optimize capital market potential. Sharia Banks need to pay attention to and utilize capital market potential effectively. In this case, they can increase collaboration with capital market institutions, carry out a public offering (IPO) program, or use other cap

ABSTRACT
This research aims to describe the variables of competency, teacher performance motivation, and student learning effectiveness in Malang National Middle and High Schools. To analyze the influence of competency variables and teacher performance motivation simultaneously on student learning effectiveness variables in Malang National Middle and High Schools. To find out and analyze the influence of competency variables, and teacher performance motivation partially on student learning effectiveness variables in Malang National Middle and High Schools. To find out and analyze the influence of competency variables, teacher performance motivation is the dominant variable of student learning effectiveness in Malang National Middle and High Schools. This research used descriptive quantitative method. The population in this study was 73 teachers, sourced from 40 teachers from Malang National Middle School and 33 teachers from Malang National High School, so the total population was 73 teachers. The sampling technique uses non- probability sampling, census type/total sampling. The data analysis technique in this research used multiple linear regression analysis. The results of the research showed that (1) the variables of competency, motivation, and teacher performance simultaneously do not have a significant effect on the variable of student learning effectiveness in Malang National Middle School and High School. (2) The variables of competence, motivation, and teacher performance partially have a significant effect on the variable of student learning effectiveness in Malang National Middle School and High School. (3) The competency variable has a dominant influence on the effectiveness of student learning in Malang National Middle School and High School.

ABSTRACT
Through user satisfaction of the primary education data information system (DAPODIK) in junior high schools in the Manggarai district, this study seeks to characterize the impact of system quality and information quality on net benefits. The sampling technique uses the census method. The population in this study were all operators at junior high schools in Manggarai district, totaling 81 people. Samples were taken using a census so that 81 operators became the object of research. The process of collecting research data uses a questionnaire or questionnaire which is distributed using a Google form sent via WhatsApp with a Lickert scale. The technique used for testing the hypothesis is path analysis and the tool used in data processing is SPSS 26 Software. Based on the path analysis of this study found that there are 4 hypotheses that have a positive and significant influence, that is, the relationship between information quality and net benefits, the relationship between system quality and user satisfaction, and the relationship between user satisfaction and net benefits. The system quality on net benefits, information quality on user satisfaction, and information quality on net benefits through user satisfaction were the hypotheses that were disproved in this study.

ABSTRACT
Monetary policy typically focused on economic performance, price stability, and external balance (Balance of Payments Equilibrium), among other things. The study's goal is to look at how banks contribute to Nigeria's economic performance through lending. The study used an econometric method to examine the impacts of monetary policy on bank lending contributions to economic performance, using Augmented Dickey Fuller (ADF), unit root test, and regression analysis as estimation techniques. Broad money supply, monetary policy rate, prime lending rate, and inflation rate were used as monetary policy indicators, whereas real gross domestic product was used as an economic performance metric. The information utilized came from the Nigerian Central Bank's Statistical Bulletin and the National Bureau of Statistics. Statistical evidence from the result regression outcome revealed that banks’ lending, money supply, monetary policy rate have positive contributions to economic performance in Nigeria while inflation rate contributed positively but insignificant to economic performance in Nigeria during the studied period. The result findings further strengthen and accommodate more investment and lucrative projects into the economy which on the long run will provide job creation, reduce unemployment, reduce poverty level and contribute to the economic development of Nigeria if put onto use. The study therefore concluded that monetary policy has positive contributions to banks’ lending towards Nigeria economic performance. It was recommended that the CBN needs to supervise thoroughly the banks’ activities to enable them comply with all the legal regulatory frameworks and monetary policies. Not that alone, the design of monetary policy and its implementation should be made in such a way that the conflict of target is avoided.

ABSTRACT
This study aims to describe and analyze the influence of intellectual intelligence, emotional intelligence and spiritual intelligence on the performance of female employees at PT. Bank Rakyat Indonesia (Persero) Tbk Regional Officel Malang, as well as to find out the most influential variables on the performance of female employees. To answer the research problems, a questionnaire was distributed to 85 female employee respondents with age criteria </=45 years. Furthermore, the results of the questionnaire were analyzed using descriptive analysis and multiple linear regression analysis techniques, by first carrying out the feasibility test of the research instrument, besides that the classical assumption test was also carried out, hypothesis testing and the coefficient of determination (R2). The results of the analysis show that the description of the variables of intellectual intelligence, emotional intelligence, and spiritual intelligence has very good implications for work, and the performance of female employees is in the "good performance" category. Meanwhile, partially the intellectual intelligence variable has no significant effect on the performance of female employees, emotional intelligence, and spiritual intelligence have a significant positive effect on the performance of female employees at PT. Bank Rakyat Indonesia (Persero) Tbk, Regional Office Malang. The variable that has the greatest influence is emotional intelligence.

ABSTRACT
The aim of the study was to analyse the role of social media on the adoption of internet banking by university students in Zimbabwe. The study adopted a sequential explanatory research design with the goal of using mixed research approach. Purposive sampling technique was adopted. A sample of 450 university students studying qualifications ranging from certificates to master degrees were selected from two (2) public universities and two (2) private universities in Zimbabwe. Data was gathered using questionnaires which were distributed to 450 university students. The study revealed, through a Chi Square test that there was a relationship between social media messages and videos on internet banking accessed by university students per day and adoption of internet banking by the university students. The study also found university students frequently check out videos on internet banking sent and uploaded on social media platforms by the banks. The study found that the effects of social media on adoption of internet banking by university students are that social media friends of the students have approved use of internet banking products, banks provide advice on internet banking using social media, videos and messages which are easy to understand, banks frequently give updates on internet banking issues using social media and banks also share latest technologies through social media. The study revealed that banks are slow at responding to internet banking queries raised by students in various social media platforms. The study recommends that banks should be very alert on social media and quickly respond to their customers’ messages. Banks should carry out some training online workshop for their clients who use Facebook so that they can understand the needs of the customers and make their products easy to understand.

ABSTRACT
Both adult and infant mortality rates have been very high in Nigeria and other African and developing countries. This situation prompted the Government of Nigeria to come up with the goal of achieving health for all by the year 2020. The targeted year has come and gone yet the mortality rate is still high showing that the country has not been doing well in the health sector. Almost every public university in Nigeria has a University Teaching Hospital which were established to provide opportunity for internship training of Nigerian doctors and tertiary health care services to the public at affordable cost. However these hospitals are performing sub-optimally as a result of dearth of modern health infrastructure. Nigerian Universities are grossly underfunded. The underfunding has affected their teaching hospitals as they depend mainly on government funding which is difficult to come by. But University underfunding is a worldwide phenomenon. In the face of this underfunding the US public universities and therefore the teaching hospitals have continued to maintain near optimal level of performance. What have they done to achieve this feat? This work attempts to draw lessons from University of Washington, Seattle, US, how it uses the University Advancement Profession to raise funds for the teaching hospitals activities. The paper presents various ramifications of the Advancement profession and, borrowing from the University of Washington, it discusses how the Centre can be used to reposition the teaching hospitals in Africa and Developing countries to start tapping from the large pool of funds existing both within the country and internationally for the development of their teaching hospitals, improve their care delivery and lead to the actualization of health for all by the year 2030.