PENERAPAN KONSEP CHARACTER, CAPACITY, CAPITAL, COLLATERAL, CONDITION (5C) DALAM SISTEM PEMBERIAN KREDIT USAHA MIKRO PADA PT BANK MANDIRI (PERSERO) TBK UNIT MANDIRI MITRA USAHA BALIKPAPAN UNIVERSITAS BALIKPAPAN

ABSTRACT The focus of the problem is on the application of the Character, Capacity, Capital, Collateral, Condition (5C) Concepts in the Micro Business Credit System, particularly Bank Mandiri, which includes how to apply the 5C principle itself, obstacles that arise when implementation occurs, and also how to overcome these obstacles. The cornerstone of theory uses (Muchtar, Rahmidani, Siwi, 2016) Jakarta Kencana, Banks and Other Financial Institutions. Openness between customers to banks is one of the basis for providing healthy credit. The purpose of this study is to find out how the process of taking credit at Bank Mandiri is carried out, whether it is in accordance with the Standard Operation Procedure procedure or there is a provision for the unit to be the subject of approval. The object of this research is the credit processor or in this case the bank and the customer. Data collection techniques are carried out by interviews, observation and documentation. Data analysis techniques are carried out by source triangulation. The results of the study conclude that: (1) the application of the 5C principle has an effect on the lending process at PT Bank Mandiri (Persero) tbk. (2) barriers experienced include lack of openness between customers and banks, poor credit history, submission of unreasonable credit scores, less productive businesses, lack of additional guarantees, and dubious business legality (3) ways to overcome credit failed that is by giving SP1, SP2. Then SP3 until the execution of the guarantee but can also be done in other ways such as still trying to get closer and maintain good relations with customers.

Download Full-text

The Researcher as Autobiographer: Analysing Data Written About Oneself

The Qualitative Report ◽

10.46743/2160-3715/2003.1895 ◽

2015 ◽

Author(s):

Colleen Tenni ◽

Anne Smith ◽

Carlene Boucher

Keyword(s):

Grounded Theory ◽

Data Analysis ◽

Additional Insight ◽

Analysis Techniques ◽

Critical Theories ◽

Feminist Theories ◽

Field Notes ◽

The Subject ◽

Collaborative Analysis

This paper explores some of the issues that arise when one is dealing with data that has been produced by the researcher about their own experience. In particular, we are interested in exploring the ways that researchers can go about analyzing autobiographical data. Many researchers produce data that is autobiographical. Ethnographers produce field notes. Action Researchers often write about their own practice. Phenomenologists, sociologists and historians may write narratives that are autobiographical. There is a growing trend for researchers working in a range of settings to view themselves simultaneously being both a subject (or the subject) and a researcher. Data analysis techniques that work well when dealing with data about other people may not be as useful when one is working with one's own data. We will suggest a number of strategies that a researcher can employ to analyze such data including collaborative analysis, forms of grounded theory and alternative forms of representation such as poetry, art and drama. We will also discuss the use of frameworks such as particular psychodynamic theories, feminist theories and critical theories as ways of gaining additional insight from the analysis of the researcher's biographical writings.

Download Full-text

PENYULUHAN AGAMA HINDU BAGI NARAPIDANA DI RUMAH TAHANAN KLAS II B NEGARA, KABUPATEN JEMBRANA

Jurnal Penelitian Agama Hindu ◽

10.25078/jpah.v2i1.461 ◽

2018 ◽

Vol 2 (1) ◽

pp. 150

Author(s):

Ni Made Oktaviana ◽

I Wayan Mandra ◽

Ida Ayu Adi Armini

Keyword(s):

Data Analysis ◽

Data Collection ◽

Class Ii ◽

The State ◽

Functional Theory ◽

State Custody ◽

Analysis Techniques ◽

The Subject ◽

Internal Fund ◽

Collection Methods

The State Detention Unit (Rutan) is the place where the suspect or defendant is detained during the process of investigation, prosecution and examination in court and place for inmate who are undergoing criminal verdict. Inmates obtain various forms of coaching that have been programmed by Rutan. Although it has gained various forms of counseling but not infrequently there are inmates who after freedom and return to community again commits a crime and resulted in the prisoner back into Rutan. So based on the phenomenon that happened, researcher interested to do research about counseling of Hinduism for prisoners in State Class II State B prison, Jembrana Regency, in order to prevent the return of prisoners to do criminal act and so that prisoners no longer re-enter into Rutan.The problems in this research are: (1) Form of execution of Hindu counseling for prisoners in Class II State Household Detention.B State, Jembrana District, (2) Factors that hamper the implementation of Hindu counseling for inmates in Prisons Class II. B State, Jembrana District, (3) How to overcome obstacles in the implementation of Hindu counseling for prisoners in the State Detention Class II.B State, Jembrana District. Theories used to analyze the problem are Structural Functional theory and the theory of Rangsang Balas. The subject of this study is the Prisoners in Rutan. Data collection methods used by the authors ie observation, interviews, literature, documentation, and data analysis techniques.The results showed that the forms of extension of Hinduism held in State Household of Class II B State were delivered in the form of Dharma Wacana, Dharma Sadhana and Dharma Yatra. Factors inhibiting the implementation of Hindu counseling for prisoners in State Detainee Class II B State that is the factor of lack of extension workers, funding factors, factors of inmates. Efforts to overcome obstacles in the implementation of Hindu counseling in the State Detainee Class II B State namely by empowering functionaries in the State custody and establish cooperation with related parties, carry out internal fund digging and attendance.

Download Full-text

INDIGO DALAM NOVEL SUPERNOVA AKAR KARYA DEE LESTARI: KAJIAN PSIKOLOGI SASTRA

EDU-KATA ◽

10.52166/kata.v5i2.1779 ◽

2020 ◽

Vol 6 (2) ◽

pp. 141-148

Author(s):

Erna Rakhmawati

Keyword(s):

Data Analysis ◽

Text Analysis ◽

Textual Analysis ◽

Literary Works ◽

Analysis Techniques ◽

Descriptive Research ◽

Qualitative Descriptive ◽

The Subject

The background of this research is many indigo events in the community and many indigo literary works. Indigo research in the “Indigo dalam Novel Supernova Akar Karya Dee Lestari:Tinjauan Psikologi Sastra,” first aims to find the description of the indigo abilities experienced by the characters, secodly to find the causes of indigo experienced by characters, and thirdly to find out the type of indigo experienced by characters in the Supernova Akar. The research includes qualitative descriptive research on data analysis techniques using textual analysis or text analysis. The subject of this study is a character in the Supernova Akar. The result of research that is narated by Dee lestari source are; 1)levitasi, 2) procegnition, 30 psicometri, 4) teleportasi, and 5) clayvoyance. Indigo causes experienced by characters in the Supernova Akar are; 1) a gift from God, 2) from offspring, and from training. The type of indigo experienced by characters in the Supernova Akar are; humanis and artis.

Download Full-text

Implementası Medıa Bulletın Board dalam Menıngkatkan Kemampuan Membaca Permulaan dı Tk PAUD Anak Bangsa Kota Palembang Provınsı Sumatera Selatan

AN-NISA ◽

10.30863/annisa.v12i1.449 ◽

2019 ◽

Vol 12 (1) ◽

pp. 537-548

Author(s):

Indah Dwi Sartika

Keyword(s):

Data Analysis ◽

Data Collection ◽

Quantitative Data ◽

Qualitative Data ◽

Bulletin Board ◽

Analysis Techniques ◽

Quantitative Data Analysis ◽

The Media ◽

The Subject ◽

Planning Action

Penelitian tindakan ini bertujuan untuk menggambarkan proses dan hasil dalam meningkatkan kemampuan membaca permulaan TK PAUD Anak Bangsa Kota Palembang Provinsi Sumatera Selatan melalui penerapan media bulletin board. Metode penelitian yang digunakan adalah penelitian tindakan dengan model Kemmis dan Taggart, yang meliputi perencanaan, tindakan dan observasi, refleksi. Subjek penelitian ini adalah TK PAUD Anak Bangsa yang berjumlah 16 orang anak. Penelitian dilakukan dalam dua siklus yang terdiri dari delapan pertemuan pada setiap siklus. Teknik pengumpulan data dilakukan melalui observasi, wawancara dan dokumentasi. Teknik analisis data dalam penelitian ini adalah analisis data kualitatif dan analisis data kuantitatif. Hasil penelitian menunjukan bahwa kemampuan membaca permulaan anak mengalami peningkatan setelah diterapkan media bulletin board. Skor kemampuan membaca permulaan anak pada pra siklus sebesar 44, siklus I sebesar 62, dan siklus II sebesar 65,125. Hasil tersebut memberikan implisasi bahwa kemampuan membaca permulaan dapat ditingkatkan melalui penerapan media bulletin board.Research action aims to describe the process and results in improving the ability to read the beginning of TK PAUD Anak Bangsa of Palembang City South Sumatera Province through the application of Media bulletin board. The research methods used are research actions with the Kemmis and Taggart models, which include planning, action and observation, reflection. The subject of this research is TK PAUD Anak Bangsa, a total of 16 children. Research is conducted in two cycles consisting of eight meetings on each cycle. Data collection techniques are conducted through observation, interviews and documentation. The data analysis techniques in this study are qualitative data analysis and quantitative data analysis. The results showed that the ability to read children's beginnings improved after the media bulletin board was applied. Scores of children's start reading on the pre-cycle of 44, cycle I by 62, and cycle II by 65.125. The results gave implisation that the ability to read the start can be increased through the application of Media bulletin board.

Download Full-text

ANALISIS NILAI-NILAI SOSIAL DALAM KUMPULAN CERITA RAKYAT BANGKA BELITUNG

Jurnal Ilmiah Bina Bahasa ◽

10.33557/binabahasa.v12i02.559 ◽

2019 ◽

Vol 12 (2) ◽

pp. 27-38

Author(s):

Mulyati Rozie

Keyword(s):

Data Analysis ◽

Sense Of Belonging ◽

Qualitative Method ◽

Social Values ◽

Analytical Techniques ◽

Sociology Of Literature ◽

Modern Times ◽

Analysis Techniques ◽

The Social ◽

The Subject

Abstrak Latar belakang penelitian ini untuk memberikan pemahaman terhadap nilai-nilai sosial yang ada dalam kumpulan Cerita Rakyat Bangka Belitung kepada pembaca agar dijadikan rujukan dan mengenalkan kembali cerita rakyat di masa modern ini kepada pembaca. Masalah dalam penelitian ini adalah nilai-nilai sosial apa saja yang terkandung dalam kumpulan cerita rakyat Bangka Belitung? Penelitian ini bertujuan untuk mengetahui dan mendeskripsikan nilai-nilai sosial yang terkandung dalam kumpulan cerita rakyat Bangka Belitung. Metode yang digunakan dalam penelitian ini adalah metode deskriptif kualitatif adalah metode penelitian yang bertujuan untuk menggambarkan secara utuh dan mendalam tentang realitas sosial dan berbagai fenomena yang terjadi dimasyarakat yang menjadi subjek penelitian sehingga tergambarkan ciri, karakter, sifat, dan model dari fenomena tersebut. Pendekatan yang digunakan adalah pendekatan sosiologi sastra, sedangkan teknik analisis data menggunakan teknik analisis karya. Hasil penelitian ini adalah: 1) Nilai kasih sayang yang terdiri dari: pengabdian, tolong menolong, kekeluargaan, kesetiaan, dan kepedulian. 2) Nilai tanggung jawab yang terdiri dari:rasa memiliki, disiplin, dan empati. 3) Nilai keserasian hidup yang terdiri dari: keadilan, toleransi, kerja sama, dan demokrasi. Buku Cerita Rakyat Bangka Belitung karya Maulana Syamsuri sangat baik untuk dibaca bagi masyarakat, karena di dalam buku ini banyak mengajarkan nilai-nilai sosial yang baik untuk dijadikan contoh. Kata kunci : nilai sosial, cerita rakyat Abstract The background of this research is to provide an understanding of social values that are in the collection of the folklore of Bangka Belitung to the reader in order to be used as a reference and reintroduced the folklore in modern times is to the reader. Problems in the research of social values is what is contained in the collection of the folklore of Bangka Belitung? This research aims to know and describe the social values that are contained in the collection of the folklore of Bangka Belitung. The methods used in this research is descriptive qualitative method is a method of research that aims to describe completely and insightful about the social reality and the various phenomena that occurred dimasyarakat which became the subject of the research so that breakfast buffet characteristics, character, nature, and the model of the phenomenon. The approach used is the approach to the sociology of literature, while data analysis techniques using analytical techniques paper. The results of this study are as follows. 1) value of affectionate Devotion: (1), (2) Please help, (3), (4) familial loyalty, and (5) concern. 2) value of responsibility: (1) a sense of belonging, (2) discipline, and (3) empathy. 3) the value of the harmony of life: (1) justice, (2) (3) tolerance, cooperation, and (4) democracy. The book Folktales of Bangka Belitung works of Maulana Syamsuri very good to read for people, because in this book many teach social values are good to be used as an example.

Download Full-text

MENINGKATKAN KOSAKATA SISWA AUTIS MELALUI MEDIA UNO BERBANTUAN AUGMENTED REALITY

JPK (Jurnal Pendidikan Khusus) ◽

10.21831/jpk.v15i1.24924 ◽

2019 ◽

Vol 15 (1) ◽

pp. 17-23

Author(s):

Istiqomah Istiqomah ◽

Aini Mahabbati

Keyword(s):

Data Analysis ◽

Augmented Reality ◽

Data Collection ◽

Learning Outcomes ◽

Student Activity ◽

Qualitative And Quantitative ◽

Analysis Techniques ◽

The Subject ◽

Observation Learning ◽

Animal Names

This research is a classroom action research which aimed to improve the ability to master the vocabulary of animal names using UNO media assisted by augmented reality. The subject was an autistic student who had problems mastering the vocabulary of animal names at SLB Autisma Dian Amanah Yogyakarta. The research design used the Kemmis and Mc Taggart models. Data collection techniques used tests and observation. Learning outcomes test and student activity observation sheets were used as instruments. Data analysis techniques used are qualitative and quantitative. The results of this study UNO assisted with augmented reality improved the process and learning outcomes of animal name vocabulary in autistic students. The improvement process was supported by steps expaining and demonstraring ANIMO cards. Observing, shuffling, opening, and matching the color of the card. throwing on the base of the drawing. Mentioning the name and place of life of the animal. Increased learning outcomes in pre-action scored 36.7. Post-action I scored 60 and Post-cycle action II increased to 86.7.

Download Full-text

REPRESENTASI BUDAYA MATRILINEAL MINANGKABAU DALAM FILM TENGGELAMNYA KAPAL VAN DER WIJCK

Jurnal Riset Komunikasi ◽

10.24329/jurkom.v1i2.40 ◽

2018 ◽

Vol 1 (2) ◽

pp. 276-284

Author(s):

Trisnawati Trisnawati ◽

Chelsy Yesicha

Keyword(s):

Data Analysis ◽

Data Collection ◽

Mass Communication ◽

Roland Barthes ◽

Analysis Techniques ◽

West Sumatra ◽

Data Validity ◽

The Subject ◽

Research Show

Film is a media of mass communication that still have audiences until now. Film also become a media of life representation. Researcher lift a film entitled Tenggelamnya Kapal Van Der Wijck. Tenggelamnya Kapal Van Der Wijck is a film that tell about the orphan man, Zainuddin. He has a Minangnese father and a mother from Makassar. Then he decided to move to his father hometown, Batipuh West Sumatra. As a person of mix descent, he faces much discrimination from Minang conservatives. Although he loves Hayati, a Minangnese woman, the niece of local nobleman, he’s not allowed to be with her because his background.The researcher method is cualitative that referring to semiotics analysis of Roland Barthes. The subject of the research is Minangkabau Matrilineal culture with research object is a Tenggelamnya Kapal Van Der Wijck Film. Data collection techniques using semiotic data analysis techniques by Barthes. On data validity techniques by extending participation and observational persistence.The result of this research show that scenes researched related with the meaning of denotation, connotation, and myth by Roland Barthes. And the result also shows that have the representation of Minangkabau Matrilineal Culture in Tenggelamnya Kapal Van Der Wijck that Minangkabau’s culture is too strict, also people claimed as a Minangnese only if their mother is a Minangnese even though their father is a Minangnese. And Mamak (mother’s brothers) has an authorization in their clan and to the nieces and nephews. And his authority is stronger than their own father.

Download Full-text

Go Pong: Media Pembelajaran Teknik Dasar Tenis Meja Berbasis Android

Jendela Olahraga ◽

10.26877/jo.v5i1.4985 ◽

2020 ◽

Vol 5 (1) ◽

pp. 86

Author(s):

Irfan Dita Pratama ◽

Tubagus Herlambang ◽

Buyung Kusumawardhana ◽

Ibnu Fatkhu Royana

Keyword(s):

High School ◽

Data Analysis ◽

Research And Development ◽

Learning Outcomes ◽

Junior High School ◽

Development Research ◽

Table Tennis ◽

Analysis Techniques ◽

Eighth Grade Students ◽

The Subject

Go Pong: Learning Media for Basic Techniques of Table Tennis Based on AndroidThis research used development research which was Research and Development (R&D) with 8 stages. The subject of this study was the eighth grade students of Junior High School of 1 Juwana. The data analysis techniques used were test and non-test techniques in the form of interview, observation, questionnaire, and documentation. The results showed the effectiveness test of Go Pong media on learning outcomes that obtained an n-gain index was 0.486 and 0.374 with moderate criteria. While learning outcomes used book got the results 0.263 and 0.07 with moderate criteria. The percentage of Go Pong media completeness was superior at 60% while using books was only 40%. The conclusion of this study is that Go Pong media is very effective to be used for learning compared to book media.Keywords: learning outcomes, Go Pong media, basic techniques of table tennis. Penelitian ini menggunakan penelitian pengembangan Research and Development (R&D) dengan 8 tahap. Subyek penelitian ini adalah siswa kelas VIII SMP Negeri 1 Juwana. Teknik analisis data yang dilakukan adalah teknik tes dan nontes berupa wawancara, observasi, angket, dan dokumentasi. Hasil penelitian menunjukkan uji keefektifan media Go Pong terhadap hasil belajar yang memperoleh indeks n-gain sebesar 0,486 dan 0,374 dengan kriteria sedang. Sedangkan hasil belajar menggunakan buku mendapatkan hasil 0,263 dan 0,07 dengan kriteria sedang. Presentase ketuntasan media Go Pong lebih unggul yaitu 60% sedangkan memakai buku hanya 40%. Simpulan penelitian adalah media Go Pong sangat efektif digunakan untuk pembelajaran dibandingkan menggunakan media buku.Kata kunci: hasil belajar, media Go Pong, teknik dasar tenis meja.

Download Full-text

Analisis kemampuan pemecahan masalah siswa dalam menyelesaikan soal cerita barisan ditinjau dari adversity quotient

PYTHAGORAS Jurnal Pendidikan Matematika ◽

10.21831/pg.v14i2.29024 ◽

2019 ◽

Vol 14 (2) ◽

pp. 199-210

Author(s):

Linda Nur Chabibah ◽

Emy Siswanah ◽

Dyan Falasifa Tsani

Keyword(s):

High School ◽

Qualitative Research ◽

Data Analysis ◽

Problem Solving ◽

Research Subjects ◽

Data Presentation ◽

Analysis Techniques ◽

The Subject ◽

Academic Year ◽

Problem Sequence

Tujuan dari penelitian kualitatif ini adalah untuk mendeskripsikan kemampuan pemecahan masalah siswa dalam menyelesaikan soal cerita pada materi barisan ditinjau dari Adversity Quotient (AQ). Kemampuan pemecahan masalah memiliki 4 indikator yaitu: 1) mengidentifikasi masalah, 2) merumuskan masalah, 3) melaksanakan strategi, dan 4) memverifikasi solusi. Penelitian dilaksanakan pada semester genap tahun ajaran 2018/2019. Subjek penelitian terdiri dari 30 Siswa kelas XI IPA 1 SMA Kesatrian 1 Semarang yang telah diajarkan materi barisan. Kemudian dipilih subjek berdasarkan tipe AQ yaitu Climber, Camper dan Quitter. Teknik pengumpulan data menggunakan angket AQ, tes kemampuan pemecahan masalah, dan wawancara. Teknik analisis data penelitian ini meliputi reduksi data, penyajian data, dan penarikan kesimpulan/verifikasi. Hasil penelitian menunjukkan bahwa siswa bertipe Climber mampu memenuhi seluruh indikator dari 4 indikator kemampuan pemecahan masalah yaitu indikator 1, 2, 3, dan 4. Siswa bertipe Camper mampu memenuhi 3 dari 4 indikator kemampuan pemecahan masalah yaitu indikator 1, 2, dan 3. Siswa bertipe Quitter hanya mampu memenuhi 1 indikator kemampuan pemecahan masalah yaitu indikator 2. Analysis of students' problem-solving abilities in solving word problem sequence in terms of adversity quotientAbstractThe purpose of this qualitative research was to describe the students' problem-solving abilities in solving word problems in the sequences material in terms of Adversity Quotient (AQ). Problem-solving has four indicators namely: 1) overcoming the problem, 2) formulating the problem, 3) implementing the strategy, and 4) verifying the solution. The study was conducted in the even semester of the 2018/2019 academic year. The research subjects consisted of 30 students of class XI IPA 1 of Kesatrian 1 Semarang High School who had taught the sequences material. Then the subject was chosen based on the type of AQ namely climber, camper and quitter. Data collection techniques using the AQ questionnaire, the problem-solving test, and interview. The data analysis techniques of this study include data reduction, data presentation, and conclusion. The results showed that students of the climber type were able to meet all the indicators of the four indicators of problem-solving namely indicators 1, 2, 3, and 4. Students of the camper type were able to fulfill three from four indicators of problem-solving namely indicators 1, 2, and 3. Students' quitter type were only able to meet one indicator of problem-solving, namely indicator 2.

Download Full-text

ANALISIS KETERAMPILAN MEMBUKA DAN MENUTUP PELAJARAN DALAM PELAKSANAAN PEMBELAJARAN MATEMATIKA SD NEGERI 192 PEKANBARU

JURNAL PAJAR (Pendidikan dan Pengajaran) ◽

10.33578/pjr.v3i1.6306 ◽

2019 ◽

Vol 3 (1) ◽

pp. 46

Author(s):

Oktaviani Oktaviani ◽

Syahrilfuddin Syahrilfuddin ◽

Lazim. N Lazim. N

Keyword(s):

Data Analysis ◽

Mathematics Learning ◽

Student Interaction ◽

Learning Material ◽

Data Presentation ◽

Analysis Techniques ◽

Grade Teacher ◽

The Subject ◽

Attention To Students ◽

Opening And Closing

The background of this research is the importance of applying the skills to open and close lessons in the process of implementing classroom learning. This study aims to describe the teacher's skills in opening and closing learning in the implementation of mathematics learning at SD Negeri 192 Pekanbaru. The type of research used is descriptive qualitative. The subject of the research was the IV grade teacher named Wiki Destalia, S.Pd.I. Data collection techniques use observation, interviews, and documentation. Test the credibility of the data through triangulation and data analysis techniques, namely data management, data reduction, data presentation, and conclusion drawing. The results achieved in this study is that the teacher has implemented the skills of opening and closing lessons in the process of implementing mathematics learning, but there are several indicators on the components opening and closing lessons that are rarely even seen by teachers, such as indicators of student interaction with students very rarely seen, giving rise to motivation that the indicator presents contradictory ideas to provoke students 'interest in learning material and pay attention to students' interests.

Download Full-text