Excessive UV exposure can damage the skin, making sunscreen essential for protection. One potential ingredient that can be utilized is eco-enzyme, as it contains bioactive compounds such as flavonoids and phenolics, which exhibit UV protection activity. This study used eco-enzyme derived from the fermentation of pineapple peels, banana peels, and potato peels for 90 days, resulting in a pH of 3…
Penelitian ini menganalisis pengaruh competition bank terhadap credit risk pada dual banking system di Indonesia. Penelitian ini dilakukan dengan teknik Purposive Sampling dalam memilih sampel 5 Bank Umum Konvensional dan 5 Bank Umum Syariah. Metode yang digunakan Generalized Method of Moments (GMM) dari tahun 2011 sampai 2020. Credit risk Bank Konvensional diukur dari nilai Non Performing Loan…