scholarly journals THE EFFECTIVENESS OF DISTRIBUTION OF SUBSIDIZED SHARIA MORTGAGE OF BANK BTN SHARIAH FOR COMMUNITIES WITH LOW INCOME: A CASE STUDY IN KENDAL REGENCY

2021 ◽  
Vol 1 (1) ◽  
pp. 125-135
Author(s):  
Hening Pratika Nila Hapsari ◽  
Mahfud Nugroho

This study intends to examine the procedures and mechanisms for disbursing subsidized sharia mortgage, as well as the effectiveness of subsidized mortgage distribution at BTN shariah in providing decent housing for low-income people. This study was conducted in BTN Shariah of Kendal Branch. This study used quantitative research by distributing questionnaires to 90 respondents determined through the Slovin method. To investigate the effectiveness of the distribution of subsidized mortgages, the Artificial Neuron Network (ANN) was used. The results showed that the procedures and mechanisms for disbursement of the subsidized mortgage at BTN Shariah of Kendal Branch were following the Standard Operating Procedures (SOP) that had been established by BTN Shariah. However, there was a mismatch between the Regulation of the Minister of The Ministry of Public Works and Housing No. 48/PRT/M/2015 Article 20 paragraph (7) concerning the disbursement of subsidized funds. The results of the questionnaire shower 50.5% of customers chose “uncertain” on the indicator of “timeliness of subsidies disbursement” since they thought that the timing of the funds was uncertain. This statement is not in line with the regulation of the Minister for Public Works and Human Settlements that the disbursement is no later than two working days after the documents are received. Meanwhile, based on the results of calculations using the ANN, the distribution of subsidized mortgages has been effective by 0.877 or 87.7%.

Author(s):  
Jihao Shi ◽  
Guoming Chen ◽  
Yuan Zhu

This study aims to introduce the Artificial Neuron Network (ANN) technique, namely Bayesian Regularization Artificial Neuron Network (BRANN) to Explosion Risk Analysis (ERA) of floating offshore platform and eventually develop the ANN-based ERA procedure. In order to verify the feasibility of this developed procedure, a case study of floating offshore platform is conducted. Firstly, several dispersion simulations and explosion simulations are performed by FLACS. With those simulation results, the corresponding BRANN models are subsequently developed. Furthermore, comparison between BRANN model and widely-used RSM model is conducted. Eventually, the exceedance curve of maximum overpressure is determined. All the results illustrate the more robustness and efficiency of this developed procedure.


2021 ◽  
Vol 13 (2) ◽  
pp. 146-155
Author(s):  
Jeanne Asteria Wawolangi ◽  
Anita Permatasari

Vincentius Kristus Raja (KR) Main Clinic aims to serve patients effectively and economically in an effort to improve the quality of public health services, especially in Surabaya. This type of research is descriptive qualitative in the form of a case study, to assess the implementation of standard operating procedures at the Vincentius Kristus Raja Main Clinic. Relevant data collection was carried out using questionnaires distributed to personnel related to standard operating procedures. The results of the research study according to the questionnaire indicate that the operational implementation is in accordance with the standard operating procedures that have been set based on the policies of the leadership and the Vincentius Kristus Raja Main Clinic Foundation. Compliance with standard operating procedures is very important because standard operating procedures are guidelines or references for carrying out tasks and work in accordance with their functions. The conclusions and suggestions from this study are that although compliance with standard operating procedures is adequate, the Vincentius Kristus Raja Main Clinic needs to develop and improve the quality of services, especially better communication with patients, both new patients and patients who have been on treatment for a long time at the Vincentius Kristus Raja Main Clinic. Considering that there are now many new health clinics that can be competitors for the Vincentius Kristus Raja Main Clinic, there must be a good response to this phenomenon. The emergence of these new competitors requires the Vincentius Kristus Raja Main Clinic to be able to be competitive in order to face the existing competition by improving the quality and quality of service for patients.


IKESMA ◽  
2019 ◽  
pp. 93
Author(s):  
Ayu Mega Lestari ◽  
Reny Indrayani ◽  
Kurnia Ardiansyah Akbar

One of the workplaces that often occurs in fires is a Petrol Station. As an effort to prevent fire with the availability of fire protection facilities available at gas stations. The purpose of this study is to describe the means of active fire protection and consumer compliance with warning signs and signs contained by gas stations as an effort to prevent fires in the Petrol Station Regency of Bondowoso. This research uses a descriptive quantitative research that illustrates the level of compliance with SPBU Safety Man Module regulations, SPBU Standard Operating Procedures and Management, K3LL Guidelines, Public Works Minister Regulation No: 26/PRT/M /2008 and SNI based on actual conditions. The sample in this study were 7 Petrol Station in Bondowoso Regency and 100 individuals related to consumer compliance. Data collection was carried out by interview, observation and documentation study. The average result of the suitability level of active protection facilities is 24.6% with the APAR criteria where the suitability level reaches 61.9% and the absorbance of sand reaches 85.71%. For fire detectors, fire alarms, fire hydrants and hose reels have not been implemented. While the level of consumer compliance is 95.83%. The results showed that active fire protection facilities at gas stations were not in accordance with laws and regulations, while consumer compliance was in the good category.


2019 ◽  
Vol 5 (4) ◽  
Author(s):  
Muhammad Shabbir ◽  
Qamar-uz-Zaman ◽  
Muhammad Atif

The present research is design to assess the “effects of malnutrition on the academic performance of grade 6-8 learners in rural areas of Tehsil Hafizabad”. Quantitative research approach was used to achieve the objectives of the study. Quantitative data was gathered by using Scheduled Interview from the sample of 150 learners of the three selected schools. Data was analyzed through statistical package for social sciences (SPSS). The outcomes of the study revealed that the malnutrition, particularly the use of low quality foods significantly lowers the academic performance in terms of lowering the understanding level of the learners and attainments; it reduces the attendance rate ultimately. It was observed that the less participation in physical activities, low income of the household and crowded demographic conditions reduced the learning capacity of the students. Some useful suggestions were also made, strictly ban on low quality food, awareness programs should be launched for public, and more studies must be conducted to highlight and overcome the issue.


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