Strategies For Determining Sharia Insurance Target Market

The purpose of this research is to know the strategy of determining the target market in PRUlink Sharia assurance products pt. Prudential life assurance. The method used in this study is qualitatively descriptive. Descriptive statistical analysis techniques, stages of data analysis techniques Data collection, Data reduction data reduction, Presentation of data Presentation data, Withdrawal of conclusions. Strategy to determine the target market on PRUlink sharia assurance account products at PT. Prudential Life Assurance is: use the six o concept strategy so that the target market type. Types of target market selected, observation to the location, Muslim community, Grouping of insurance policy candidates, Ability factor by looking at a salary range of 2 million, and Prospective insurance policy that is at productive age for those between the ages of 25-40 years.

Confirmatory Factor Analysis of the Perceived Stress Scale-10 Across Age Groups

The Perceived Stress Scale-10 (PSS; Cohen et al, 1983) was developed to measure subjective elements of stress. Most measures focus on objective characteristics of stress (e. g., frequency of occurrence) and specific situations that produce stress (e. g., divorce) but ignore the cognitive appraisal associated with stressful stimuli. The PSS-10 assesses the interplay between stressor and appraisal-mediated coping ability. Factor analytic studies provide support for two factors: perceived helplessness and perceived self-efficacy (see Roberti et al. 2006). The current study presents data from 591 people across three groups: 221 young adults (mean age 19.31, SD = 1.21), 283 middle-age adults (mean age 48.27, SD = 5.14), and 109 older adults (mean age 72.95, SD = 7.22). An ordinal confirmatory factor analysis (CFA) using robust weighted least squares (WLSMV) evaluated invariance across age groups. Results showed CFI/TLI values of .964/.953, 965/.960, and .964/.969 for Configural (CI), Metric (MI), and Scalar (SI) models. The RMSEA for CI, MI, and SI models was .086, .081, and .071. Based upon recommendations of Cheung and Rensvold (2002), Sass (2011), and Chen (2007), a cutoff of ΔCFI ≥ 0.01 was established as evidence of invariance. The ΔCFI between CI and MI models was < .01 so analysis continued with the SI test. Once again, ΔCFI between MI and SI models was < 0.01 which did not justify rejection of the null hypothesis. Based on these analyses, PSS-10 scores are valid across multiple age groups. Further, results support the multidimensional nature of the PSS-10.

An Investigation of Factors Causing English Mispronunciation of Students in English for International Communication

English has been recognized as a lingua franca in different aspects of communication such as international business, academic context, science and technology. Despite the constant efforts of developing English education in Thailand, studies have shown that the achievement of Thai students was still unsatisfactory. Additionally, previous studies revealed Thai EFL learners faced a number of difficulties in pronunciation and speaking. The purposes of this study were to investigate the levels of the factors and the most and least factors causing in English mispronunciation of 2nd and 3rd year students in EIC at RMUTL Tak campus. Fifty-one students were purposively selected from EIC of 2nd and 3rd year in 2019. The research instrument included questionnaire and adopted Likert scale for data analysis. The results found that 2nd and 3rd year students in English for International Communication (EIC) Program evaluated the factor causing in English mispronunciation found that 1) the first language interference factor have the highest mean value 2) phonetic ability factor 3) experience in studying English factor and 4) motivation factor have the lowest mean value.

Acculturation in Context: The Relationship Between Acculturation and Socioenvironmental Factors With Level of and Change in Cognition in Older Latinos

Objectives Latinos are 1.5 times as likely to develop Alzheimer’s dementia as non-Latino Whites. This health disparity may arise from multiple influences with culturally relevant factors receiving increasing attention. Models of acculturation stress the importance of considering acculturation-related factors within the context of socioenvironmental factors to better capture the Latino experience in the United States. Methods We measured 10 acculturation and contextually-related variables in 199 Latinos (age 69.7 years) without dementia participating in Rush Alzheimer’s Disease Center studies. We tested the relationship between these variables via Principal Component Analysis (PCA), then investigated how resulting components associated with level of and longitudinal change in global and domain-specific cognition using separate linear mixed-effects models adjusted for relevant confounders and their interactions with time. Results The PCA revealed a 3-factor unrotated solution (variance explained ~70%). Factor 1, representing acculturation-related aspects of nativity, language- and social-based acculturation, was positively associated with level, but not change, in global cognition, semantic memory, and perceptual speed. Factor 2, representing contextually-related socioenvironmental experiences of discrimination, social isolation, and social networks, was negatively associated with level of global cognition, episodic and working memory, and faster longitudinal decline in visuospatial ability. Factor 3 (familism only) did not associate with level or change in any cognitive outcome. Discussion Acculturation- and contextually-related factors differentiated from each other and differentially contributed to cognition and cognitive decline in older Latinos. Providers should query acculturation and lived experiences when evaluating cognition in older Latinos.

Diminishing returns as a function of the association between within-individual average performance and variance

It has been demonstrated that the worst performance rule (WPR) effect can occur as a result of statistical dependencies in the data. Here, we examine whether this might also be the case for Spearman’s law of diminishing returns (SLODR). Two proposed SLODR criteria are the skewness of the estimated latent ability factor and the correlation between this latent ability and within-individual residual variance. Using four publicly available datasets, covering quite different dimensions of behavior, we show that both these criteria are affected by the correlation between within-individual average performance and variance on the test scores. However, the influence of this correlation on the two criteria goes in opposite directions, which suggests that it generally might be difficult to get results that unambiguously support SLODR.

A generic decision-making ability predicts psychopathology in adolescents and young adults and is reflected in distinct brain connectivity patterns

Decision-making underpins many important facets of our lives. Here, we assessed if a general ability factor underpins decision-making abilities. Using factor analysis of 32 decision-making measures in 830 adolescents and young adults, we identified a common factor we refer to as ‘decision acuity’ that was distinct from IQ and reflected advantageous decision-making abilities. Decision acuity decreased with low general social functioning and aberrant thinking. Crucially, decision acuity and IQ had dissociable neural signatures in terms of resting-state functional connectivity involving specific neural networks. Finally, decision acuity was reliable and its relationship with functional connectivity was stable when measured in the same individuals 18 months later. We conclude that our behavioural and brain data demonstrate a new cognitive construct encapsulating ability to perform decision-making across distinct domains, and that the expression of this construct may be important for understanding psychopathology.

'Anāshir Su’ūbāt Ta’allum Al-Nahw wa Al-Sharf: Dirāsah Tahlīlīyah bima’had Al-Īmān Al-Islāmiy Mantilan Jawa Al-Wustha

Learning difficulties can be interpreted as obstacles in the learning process to achieve learning goals. This obstacle can be caused by several factors. This research study is a quantitative descriptive study that aims to find out the factors that cause learning difficulties of students in class XI on nahwu shorof lesson. The study used a total sampling in which, all students of class XI with a total of 40 students were taken. Data collection techniques used research instruments in the form of questionnaires. The instrument validity to be used were content validity and construct validity, while the Cronbach alpha formula was used to test the reliability. Data analysis in this study used descriptive statistical analysis techniques. The results showed that the factors of learning difficulties experienced by students in the nahwu-shorof subject in terms of internal factors were the cognitive abilities and student learning habits, while in terms of external factors are the school factor.The cognitive ability factor is limited to the level of students' understanding of the materials being studied. In the study habits of students seen from the routine of learning and repeating the materials that have been explained by the teacher. While the school factor is seen in terms of the atmosphere of learning in schools and learning facilities.

KEMAMPUAN BERPIKIR KREATIF DAN KEMANDIRIAN BELAJAR MELALUI PENERAPAN MODEL PEMBELAJARAN TREFFINGER

Creative thinking is one kind of thinking (thinking) that directs getting insight (insight) recently, a new approach, a new perspective, or a new way of resolving problems. In addition to creative thinking ability factor, factor of independence is also very important in developing the students ' ability. Independence study is an effort being made to do the learning process independently on the basis urge myself to understand a problem at hand. One of the efforts to cultivate creative thinking ability and independence student learning is done through the application of the learning model Treffinger. The purpose of this study was to describe the ability of the creative thinking and independence of learning through the application of the learning model Treffinger. This research uses qualitative descriptive method. The subject of this study, namely six grade VII-5 MTsN Tungkop Aceh Besar. Research instrument is the interview conducted researchers based on a test of the ability of creative thinking. An examination of the validity data is done by triangulation of the time. Data analysis is conducted through several stages of data reduction, i.e., the presentation of data, and the withdrawal conclusion. The research results obtained that; (1) the ability of the creative thinking of students through the learning progression treffinger's model. The results obtained from the selected students to six, four students are able to measure indicators of creative thinking. (2) Independence of learning of students in solving problems through learning model Treffinger, has fully met the criteria students almost entirely standalone learning. Abstrak Berpikir kreatif merupakan salah satu jenis berpikir (thinking) yang mengarahkan diperolehnya wawasan (insight) baru, pendekatan baru, perspektif baru, atau cara baru dalam menyelesaikan masalah. Disamping faktor kemampuan berpikir kreatif, faktor kemandirian juga sangat penting dalam mengembangkan kemampuan siswa. Kemandirian belajar merupakan suatu usaha yang dilakukan untuk melakukan proses pembelajaran secara mandiri atas dasar dorongan diri sendiri untuk memahami suatu permasalahan yang dihadapi. Salah satu upaya untuk menumbuhkan kemampuan berpikir kreatif dan kemandirian belajar siswa dilakukan melalui penerapan model pembelajaran Treffinger. Tujuan penelitian ini adalah untuk mendeskripsikan kemampuan berpikir kreatif dan kemandirian belajar melalui penerapan model pembelajaran Treffinger. Penelitian ini menggunakan metode deskriptif kualitatif. Subjek penelitian ini yaitu enam siswa kelas VII-5 MTsN Tungkop Aceh Besar. Instrumen penelitian adalah wawancara yang dilakukan peneliti berdasarkan tes kemampuan berpikir kreatif. Pemeriksaan validitas data dilakukan dengan triangulasi waktu. Analisis data dilakukan melalui beberapa tahap yakni, reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian diperoleh bahwa; (1) kemampuan berpikir kreatif siswa melalui model pembelajaran treffinger mengalami perkembangan. Hasil yang diperoleh dari ke enam siswa yang dipilih, empat siswa mampu mengukur indikator berpikir kreatif. (2) Kemandirian belajar siswa dalam menyelesaikan masalah melalui model pembelajaran Treffinger, secara kesuluruhan hampir seluruhnya siswa memenuhi kriteria kemandirian belajar. Kata Kunci : Treffinger, Kemampuan Berpikir Kreatif, Kemandirian Belajar

PEMBELAJARAN KIMIA MENGGUNAKAN REAL-LAB DAN VIRTUAL-LAB DITINJAU DARI KEMAMPUAN AWAL TERHADAP HASIL BELAJAR LAJU REAKSI

The objective of this research is to determine the differences and interactions of student learning outcomes with real laboratories and virtual laboratories using the Guided Inquiry model. This research uses an experimental method with a 2x2 factorial design. Samples were taken by purposive sampling. Data collection using test techniques for cognitive achievement. The data analysis technique uses two-way ANAVA technique. The research results by media factors (A) known Fhit>Ftable (48.37>4.08) then Ho is rejected means that there are differences in student learning outcomes with real laboratories and virtual laboratories using Guided Inquiry models. In the initial ability factor (B) known Fhit>Ftable (14.61>4.08) then Ho is rejected means that there are differences in learning outcomes of students with high and low initial ability. In the interaction (AxB) it is known that Fhit>Ftable (33.9>4.08) then Ho is rejected, meaning there is an interaction between students with real laboratories and virtual laboratory with different initial abilities towards learning outcomes.

Factors Influencing Citizen Satisfaction in Getting Public Service (Case Study: The Service User of The Investment and One Stop Service Agency of Tanah Bumbu Regency In 2018)

The present study explained factors influencing citizen satisfaction service in the Investment and One-Stop Service Agency of Tanah Bumbu Regency. In particular, this research analyses the level of citizen satisfaction and the extent to which Awareness, Rules, Organizational, Income, Skill-Ability, and Service Facility Factor influence Citizen Satisfaction. This study uses a mixed methodology with a sequential explanatory strategy. Using the incidental sampling with Slovin's Formula to calculate the number of samples is 93 respondents. The quantitative data were analyzed by the SmartPLS 3.0 program. The findings showed that the level of citizen satisfaction is included in the category "Satisfied". Furthermore, the variable of Citizen Satisfaction is influenced by variables of Awareness, Rules, Organizational, Income, Skill-Ability dan Service Facility Factor for 70,5%. Whereas Awareness, Rules, Organizational, and Skill-Ability Factor has a significant influence on Citizen Satisfaction. Besides, Income and Service Facility Factor do not have a significant influence on Citizen Satisfaction.