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Keywords Bank, State Owned Bank, Restructuring of State-Owned Banks, Banking Sector. Consumption Data analysis Importance Performance Analysis Perception Preference Research methodology, qualitative research, phenomenology, ethnography, narrative approach, grounded theory, content analysis, action research, historical research, case study. SMEs, employment, jobs, policies Sustainability Tidung Island brain drain, family income, higher education, students decentralization deductive systems, predicative logic, Datalog, parse tree, grammars economy growth efficiency, SMEs, transitional economy efficiency, effectiveness, evaluation methods, TOPSIS technique ethics management, applied ethics, academic integrity, ethical training, the state of immorality in the academic environment fiscal capacity for Measuring the Quality of Employment regional development revenue

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