Kalimantan – Sulawesi, Aditya Idris, Universitas Hasanuddin, judul paper The Implementation Strategy of Insurance Policy Guarantee Program Design in Indonesia: A Forecasting Analysis using Combined Volatility and Markov Switching Models Triad Intelektual, Mario Yoseh Fransiskus Kaliling, Universitas Sam Ratulangi, judul paper Pengaruh Net Interest Margin, Loan To Deposit Ratio, Tingkat Inflasi dan Pertumbuhan Ekonomi terhadap Profitabilitas Bank Umum di Indonesia melalui Penyaluran Kredit UMKM Periode 2015:Q.I – 2023:Q.IV/ Muhammad Iryanto, IAIN Ternate, judul paper Analisis Kontribusi Perbankan Syariah terhadap Pertumbuhan Ekonomi Indonesia dengan Pendekatan ARDL. (edo)