scholarly journals AN ANALYSIS OF THE CREDIT SERVICE EARNINGS UPON THE BALANCE OF BUSINESS REVENUES AT THE CREDITS AND SAVINGS BUSINESS UNIT OF KPRI IN SUKABUMI

2018 ◽  
Vol 3 (02) ◽  
pp. 29
Author(s):  
Nani Pujiastuti

“An analysis of the Credit Service Earnings upon Balance of Business Revenues at the Credits and Savings Business Unit (SPU) of KPRI in Sukabumi”. This research has been done since the writer is interested in figuring out the problems about the earnings of credit services at KPRI in Sukabumi and the balance of business revenues (SHU) at KPRI in Sukabumi, as well as how to analyze the credit service earnings upon the balance of business revenues at the credits and savings business unit of KPRI in Sukabumi. However, this research is a quantitative study using a descriptive approach where the writer has been describing only the existing data using a qualitative description. Technique of data collection has applied field study research and library study. The result of the research has indicated that the earning of credit services at KPRI in Sukabumi has been increasing from year to year. The biggest increasing one was happened in 2009 which was Rp 846,979,876.00 higher than the previous year, and the smallest one was happened in 2012 which was Rp 231,494,441.00 less than the previous year. Nevertheless the balance of business revenue has been increasing from 2009 to 2011 but it has decreased in 2012. The biggest increasing one was happened in 2009 which was Rp 89,261,608.00 and it was decreased in 2012 which was Rp 18,352,811.00. The decreasing of this revenue was happened due to the total amount of business revenue had been received only from the credit units and other earnings. But , not any revenue of goods credit facilities had been received since there has not any transactions of goods selling been occured in 2012. Based on the analysis of the credit service earnings upon the balance of business revenues at KPRI in Sukabumi, it has indicated that the earnings of credit service has been relatively fluctuative each year. The contribution of the credit service earnings upon the balance of business revenue in 2008 was the biggest one which was 15.76% and the lowest one was in 2012 which was 1.79%.Key words: Credit, Saving, Service Earning, Business Revenue

2021 ◽  
Vol 17 (1) ◽  
pp. 115
Author(s):  
Desilsan ., Tansala ◽  
Johny Revo Elia Tampi ◽  
Joanne Valesca Mangindaan

This study aims to determine whether the marketing mix (products, prices, promotions, distribution places/channels, people, processes and physical facilities) simultaneously influence purchasing decision at Gramedia Manado. This research was conducted at Gramedia Bookstore, Jl. Sam Ratulangi No. 45, South Wenang, Manado City. This research was conducted from October to November 2020. This research is a quantitative study with a descriptive approach to see causal relationships. This study uses primary and secondary data. Primary data is the result of direct data collection from informants by distributing questionnaires to 100 respondents who have made at least two purchases at Gramedia Manado. Secondary data is obtained from existing sources (books, journals, websites, etc.) for reference in making reports. Data analysis used multiple regression analysis. The results showed that the marketing mix simultaneously had an effect and was significant on purchasing decisions at Gramedia Manado.*eprm*


Author(s):  
Norah Saleh Almarzouqi

The study aimed to identify the credibility level of electronic press sites and their correlation with the reliability level as seen by the Saudi elite. To verify the aim, the study followed the descriptive approach. The study sample consisted of (102), representing the audience of the Saudi academic elite and media who use Internet as general and electronic press sites in particular, (Media faculty members of Saudi universities), the study was applied to the Saudi newspaper websites such as (Okaz newspaper, Middle East newspaper, Riyadh newspaper, and Sabk newspaper). The researcher conducted special criteria for the study of website reliability standards of the newspaper. The field study, survey applying, and data collection were conducted in October and November 2018. This study showed the following results: There is a statistically significant correlation between the exposure intensity of the Saudi elite to the study sample websites and their reliability level on it. This means that the greater the exposure of the Saudi elite to the electronic press sites, the greater the level of their reliability on it, and proved a statistically significant correlation between the intensity of the exposure of the Saudi elite to the electronic press sites of the study sample and the credibility level. It also showed a significant correlation between the intensity of the exposure of the Saudi elite to the website’s contents of the study press sample and the motivations of its pursuance in the future. The study concludes a number of recommendations, the most important of which is that the press websites should be concerned with the standard of interaction in terms of communication with the author, and conduct studies on the contact persons who working in the field of newspaper websites to find out the most important pressures and factors affecting their credibility of transferring information.


2020 ◽  
Vol 6 (2) ◽  
pp. 133-142
Author(s):  
Maftuhah

Abstract: The purpose of this study is to determine whether there is an effect of cooperation between parents and teachers on Islamic religious education at MTs Muhammadiyah 03 Sedayulawas Lamongan. This research is a qualitative research with a background at MTs Muhammadiyah 03 Sedayulawas Lamongan. Data collection was carried out through observation, interviews / interviews, and documentation. This research uses a qualitative descriptive approach, so the presence of researchers in the field is very important. Researchers act directly as instruments and as data collectors from in-depth observations and are actively involved in research. Data in the form of words were obtained from informants,while additional data was in the form of documents. Data analysis is done by examining existing data, then reducing data, presenting data and drawing conclusions and the final stage of data analysis is to validate the data by using the accuracy and persistence of triangulation observations. The results showed: (1) The cooperation of parents and teachers. (2) Efforts to improve Islamic Religious Education. (3) The effect of cooperation between parents and teachers on Islamic Religious Education


Retos ◽  
2020 ◽  
pp. 188-195
Author(s):  
José Eugenio Rodríguez-Fernández ◽  
Vânia Pereira ◽  
Isabel Condessa ◽  
Beatriz Pereira

El recreo escolar es uno de los momentos preferidos por el alumnado en la escuela, relacionándolo con placer, diversión, libertad y juego. El objetivo de este estudio fue comprobar cuál es la importancia que el alumnado atribuye al recreo escolar, conocer los motivos de su (in)satisfacción y su percepción acerca de la duración del mismo. Para eso, se diseñó un estudio cualitativo-cuantitativo, con un enfoque transversal y descriptivo, en el que participaron 317 alumnos (167 niños y 150 niñas) de 1º, 2º, 3º y 4º año de escolaridad de dos centros educativos de primer ciclo de enseñanza básica de la ciudad de Braga (Portugal), con edades comprendidas entre los seis y los diez años. Para la recogida de datos se utilizó un cuestionario, grabaciones en video de los recreos y anotaciones reflejadas en el diario de campo. Los resultados muestran que al alumnado le gusta y disfruta plenamente del recreo escolar, por ser un momento de diversión, para jugar, descansar y compartir momentos con los amigos; asimismo, la mayoría de los participantes demostraron no estar satisfechos con la duración del recreo, un momento demasiado corto precisamente para disfrutar de él. Sería necesario repensar la cuantificación y distribución del tiempo de recreo para proporcionar al alumnado mejoras en su bienestar físico, social y emocional.  Abstract. School recess is one of the favorite moments for students in schools, as they associate it with pleasure, fun, freedom, and play. The objective of this study was to verify the importance that students attribute to school recess, to understand the reasons for their (dis) satisfaction and their perception about its duration (time). To do this, a qualitative-quantitative study was designed, with a cross-sectional and descriptive approach, by which 317 students (167 boys and 150 girls) of 1st, 2nd, 3rd and 4th year of the first cycle of basic education from two educational centers of the city of Braga (Portugal) participated, between six and ten years old. A questionnaire, video recordings of recesses, and annotations reflected in field diaries were used for data collection. The results show that students like and fully enjoy school recess, because it is a fun time, used to play, rest, and share moments with friends; likewise, most of the participants showed that they were not satisfied with the duration of the recess, considered too short for them to fully enjoy it. A rethinking of quantification and distribution of recreation time would be necessary so to provide students with improvements in their physical, social, and emotional well-being.


2018 ◽  
Vol 5 (2) ◽  
Author(s):  
Sari Endri Pratiwi ◽  
Mumbrita Sulaimi ◽  
Yuliatin Yuliatin

Tujuan penelitian  ini untuk  mengetahui penerapan pembelajaran PPKn berbasis kurikulum 2013. Penelitian ini menggunakan pendekatan deskriptif kualitatif. Pengumpulan data melalui metode dokumentasi, observasi, dan w aw ancara. Hasil penelitian ini adalah 1) Persiapan yang sudah dilakukan oleh SMPN X Lingsar dan guru PPKn melalui sosialisasi dan pelatihan Kurikulum  2013 belum sepenuhnya dapat mendukung implementasi Kurikulum 2013 karena guru PPKn kelas VII dan VIII SMPN X Lingsar kurang memahami secara komprehensif dalam menyusun perencanaan  pembelajaran,  kurang  mampu  menerapkan  perencanaan pembelajaran  dalam  kegiatan  pelaksanakan  pembelajaran  dan  belum mampu menilai  proses dan hasil belajar sisw a belajar sesuai dengan tuntutan Kurikulum 2013,   2)  Perangkat  pembelajaran  yang  digunakan oleh  guru  PPKn  belum sepenuhnya lengkap sesuai dengan tuntutan Kurikulum 2013, 3) Pelaksanaan pembelajaran  PPKn berdasarkan Kurikulum  2013 belum sepenuhnya terlaksana sesuai dengan Rancangan Pembelajaran, 4) Penilaian proses dan hasil belajar yang dilakukan  oleh guru PPKn belum  terlaksana sesuai dengan tuntutan Kurikulum 2013. AbstractThe purpose of this study to know the implementation Curriculum 2013 PPKn learning   process.  This  study  used   a  qualitative  descriptive  approach.  Data collection techniques w ere used: documentation, observation, and interview . The results of  this study  w ere 1) Preparations are alread y carried out by SMPN X Lingsar  and  teachers PPKn through socialization and training Curriculum  2013 has not been fully able to support the implementation of Curriculum  2013 for teachers  PPKn   class   VII   and   VIII   SMPN   X   Lingsar   less   understood comprehensively  in planning learning, less able to apply the learning plan in the activities of implementing  learning and have not been able to assess the process and learning outcomes of students studying in accordance w ith the demands of Curriculum 2013, 2) Devices of learning used by teachers PPKn yet fully complete in  accordance  w ith  the  demands  of  Curriculum  2013,  3)  implementation  of learning PPKn based Curriculum 2013 w as not carried out in accordance w ith the design of  learning,  4)  learning  process  and  results do ne by teachers terlaksna PPKn not in accordance w ith the demands of Curriculum 2013.Key words: Implementation Curriculum 2013, and Pancasila and civic education


2019 ◽  
Vol 9 (1) ◽  
pp. 31-52
Author(s):  
Andreas Letik

ABSTRACT The purpose of this research is to know and analyze supporting and obstacle factors management of village funds in Fatukoto Village, North Mollo Subdistrict South Middle Timor District Province East Nusa Tenggara. The research is qualitative research with a descriptive approach. Techniques of data collection in this research are interview, observation, documentation and triangulation. The result of this study to show the management of village funds has not been efective and many physical development activities that causes the proverty rate has not descreased or preprosperous in Fatukoto Village. Empowerment programs and activities are implemented but not on target and there are no result to improve the welfare of society. Therefore, in this thesis the writer give an explanation of supporting and obstacle factors in management of village funds and the efforts to overcome obstacle factors such as increasing the quality, capacity, human resource competence, increasing socialization in other to encourage society participant, the using of village financial system (SESKEUDES) development capacity of village-owned business entity (BUMDES) ans also a change of the recruitment village technical personil system and finally can creating the quality and capacity of village funds management. Key words : Management, Village Funds, Welfare of Society


Author(s):  
BAYU DWI HANDONO ◽  
WAHONO SUMARYONO ◽  
SAHAT SARAGI

Objective: This study aims to analyze customer behavior in the decision to buy self-medicated service products and their effect on customer satisfaction at Kimia Farma Pharmacy, Bekasi Business Unit. Methods: This research uses a quantitative study approach with a descriptive design. Samples or respondents totaled 312 people. Data collection was carried out by means of interviews and agency documents. Results: The results showed that the respondents' knowledge, attitudes and actions in self-medicated service products had quite good results. Respondents who have knowledge of self-medicated service products are 54.225%, 67% of respondents have good attitudes and 61% of actions. The results of data analysis show that the influence of customer behavior in the decision to buy self-medicated service products on customer satisfaction is 0.410 or the power of influence is 41.0%, the rest is influenced by other factors. While the influence of customer behavior on the decision to buy self-medicated service products is 0.347 or 34.7%, the rest is influenced by other factors. Conclusion: Customer satisfaction is quite high which illustrates that Kimia Farma Pharmacy Bekasi Business Unit has tried to fulfill customer desires by providing adequate service.


2018 ◽  
Vol 3 (2) ◽  
pp. 92
Author(s):  
Diana Ambarwati ◽  
Iing Sri Hardiningrum ◽  
Nur Hidayati

This study aims to analyze the quality of Internet Marketing based on the Android application "FEUNISKAMarket". This quantitative study conducted descriptive approach using the help of questionnaires in accordance with the research variable indicators. The process of dissemination and data collection is given randomly, sampling accidental non random probability non sampling by giving a questionnaire to 25 students who posted their products in the Android application "FEUNISKAmarket" and were willing to fill out questionnaires in May and June 2018. The results of this study indicate that all the most respondents are female students with the age range between 20 to 30 years as users of the Android Internet Marketing application "FEUNISKAmarket" stated agree and simply agree with the quality statement of the android application that has fulfilled aesthetic elements, user convenience, multimedia techniques and content that are interesting to see. However, disagree with the statement that the android application is already known by many people. It is expected that respondents can help socialize this android application to many people and researchers can then expand the population and sample if you want to examine the same variables and objects.Penelitian ini bertujuan untuk menganalisis kualitas Internet Marketing berbasis aplikasi android “FEUNISKAMarket”. Penelitian kuantitatif ini melakukan pendekatan secara deskriptif dengan menggunakan bantuan angket/kuesioner sesuai dengan indikator variabel penelitian. Proses penyebaran dan pengumpulan data diberikan secara acak yaitu sampling accidental non random probability non sampling dengan memberikan angket pada 25 mahasiswa yang memposting produknya di aplikasi android “FEUNISKAmarket” dan bersedia mengisi kuesioner pada bulan Mei dan Juni 2018. Hasil penelitian ini menunjukkan bahwa seluruh responden terbanyak yaitu mahasiswa perempuan dengan rentang umur antara 20 s/d 30 tahun sebagai pengguna aplikasi android  Internet Marketing“FEUNISKAmarket” menyatakan  setuju dan cukup setuju dengan pernyataan kualitas aplikasi android sudah memenuhi unsur estetika, kemudahan pengguna,  teknik multimedia dan menu (konten) yang menarik untuk dilihat. Namun, tidak setuju dengan pernyataan bahwa aplikasi android sudah dikenal oleh banyak orang. Diharapkan responden dapat membantu mensosialisasikan aplikasi android ini pada banyak orang dan peneliti selanjutnya dapat memperluas populasi dan sampel jika ingin meneliti dengan variabel dan objek yang sama 


Author(s):  
Suci Armala

Cohesion and coherence in discourse play a role in forming a wholeness in the discourse itself, both discourse and writing. One of the written discourses is the news in the Jawa Pos newspaper, which is the distribution of basic food packages breaking the fast of Ramadhan for the poor in the Tuban area held by PT. PJB UBJOM PLTU Tanjung Awar-awar, in this news is thought to contain elements of cohesion and coherence. This study uses a qualitative descriptive approach and discourse analysis techniques. The data obtained contains cohesion and coherence. In this data collection, namely by listening to the news and recording it. The results of this study include grammatical cohesion, lexical cohesion and its coherence. Grammatical cohesion includes reference cohesion, recovery cohesion, release cohesion and liaison cohesion. In addition to cohesion there is also coherence that is like the coherence of the means of purpose, the coherence of reasons for action, the coherence of the meaning of reason and so forth. With the discovery of the use of cohesion and discourse coherence in Jawa Pos news.


Author(s):  
Risna Dewi Kinanti ◽  
Dudy Imanudin Effendi ◽  
Abdul Mujib

Tujuan dari penelitian ini yaitu untuk mengetahui proses bimbingan keagamaan, fungsi bimbingan keagamaan serta hasil bimbingan keagamaan dalam meningkatkan kecerdasan spiritual remaja di Boarding School SMK PPN Tanjungsari. Dengan pertanyaan penelitian 1) Bagaimana proses bimbingan keagamaan di Boarding School SMK PPN Tanjungsari?, 2) Bagaiamana fungsi bimbingan keagamaan di Boarding School SMK PPN Tanjungsari?, 3) Bagaimana hasil bimbingan keagamaan dalam meningkatkan kecerdasan spiritual remaja di Boarding School SMK PPN Tanjungsari?. Metode yang digunakan dalam penelitian ini adalah metode deskriptif kualitatif dengan teknik pengumpulan datanya dilakukan observasi, wawancara dan dokumentasi, dikarenakan masalah yang diteliti perlu dilukiskan secara sistematis dan faktual dengan menggambarkan keadaan atau status fenomena. Hasil bimbingan keagamaan di Boarding School SMK PPN adalah munculnya aspek-aspek kecerdasan spiritual pada remaja seperti kesadaran untuk menghayati proses ibadah bukan sebagai pengguguran kewajiban, terbiasa berperilaku baik, memiliki prinsip keadilan, memiliki prinsip kebenaran, mampu mengambil hikmah dari musibah yang dihadapinya, bersikap fleksibel, bersikap kritis dan merenungkan penyebab serta alasan segala sesuatu terjadi. Sehingga dapat disimpulkan bahwa bimbingan keagamaan di Boarding Schoool SMK PPN memiliki peranan yang sangat menunjang dalam meningkatkan kecerdasan spiritual remaja. The purpose of this study is to find out how the proccess of islamic guidance, function of islamic guidance, and result of islamic guidance to increase SpritualQuetiont in adolescence. With research questions 1) How the proccess of islamic guidance to increase spiritual quetiont on adolescence ?, 2) What is the function of islamic guidance to increase Spiritual Quetiont on adolescence?, 3) How are the results of islamic guidance to increase Spiritual Quetiont on adolescence?. The method used in this research is qualitative descriptive approach with subject and object of research is guidancer. While the data collection tool in this study through observation, direct interview and written interviews. From the results of research conducted at Boarding School SMK PPN Tanjungsari, it appears of Spiritual Quetiont in adolescents. Such as the behavior of living the worship process, get used to behave well, be fair, be wise, able to take lessons from the difficulties they experienced, be flexible, be critical. So, we can conclude that islamic Guidance has a very supportive role in increasing adolescent Spiritual Quetiont.


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