Financial inclusion through Kiosk-based banking services: a study with reference to business correspondent models in the state of Kerala

PurposeThe paper aims to study the outreach and performance of business correspondent (BC) models, which are implemented as a subsidiary agent of banks to accelerate the financial inclusion (FI) mission in India. In this regard, the study illustrates BC's products and services rendered to customers, forms of delivery channels and BC's view on banking services and Kiosk-based BC programs.Design/methodology/approachThe current paper is an empirical study based on surveying 200 Kiosk-based BCs working in the state of Kerala. After the preliminary screening analysis of the data with outlier deletion, removal of missing values and normality test, both exploratory factor analysis (EFA) and confirmatory factor analysis (CFA) were executed followed by reliability test, convergent and discriminant validity tests. Covariance-based structural equation modeling (CBSEM) was performed for CFA and inferential tests were carried out by using statistical package for the social sciences (SPSS) and analysis of a moment structures (AMOS) and Eviews.FindingsChiefly, eight operational forms of BCs were found from the field survey. Hypothetical tests show the significant impact of the serviceability of banks on BC's profitability. Validity tests such as average variance extracted (AVE), composite reliability (CR), maximum shared variance (MSV) and average shared variance (ASV) were established after the removal of the cross-loaded items of the questionnaire from the rotated component matrix. BCs perform main banking services especially bank account opening facility and Akshaya E-Centers are widely used for this model as Kiosk banking in the surveyed state.Originality/valueSo far, no study has encompassed empirical research on performance analysis and outreach of the BC model in the state of Kerala where this BC model well functions. Since the study is a novel form of banking channelization for FI, the study can contribute to understanding the further feasibility and future dimension of the model based on experimental views of BCs.

EFEKTIVITAS PENGGUNAAN MODUL BERBASIS PROJECK BASED LEARNING DALAM PEMBELAJARAN TEKNOLOGI ALAT BERAT

Learning requires support from a reliable media, one of which can be a learning module. Based on several previous studies regarding the module, there are still some shortcomings from the module under study. So that further development of the given module is needed by adding the contents of the module using the project. This study aims to examine the development of heavy equipment technology modules including validity tests, practicality tests and project-based effectiveness tests. This research is included in Research and Development (R&D) research. The model used in this study uses the ADDIE principle, the data collection method is through questionnaires and learning outcomes tests, the data analysis is processed using a quantitative approach and described through a qualitative approach to conclude the research results, the research subjects consist of lecturers and students. The results of the research conducted on the development of PjBl-based modules meet the feasibility, in terms of aspects of validity, practicality and effectiveness. The results of the analysis of the validity aspect are 89.07% very valid criteria, the average practicality aspect is 87.92% very practical criteria. The effectiveness aspect is seen from the knowledge test and project test. The test results on 30 students have an average score of 86.67% in the good category and in the field of skills (projects) of 86.67% very high criteria. The conclusion is that the development of PjBL-based modules is able to attract attention and make students understand the material and be able to work together in groups.

The Influence of Learning Motivation and Intellectual Intelligence on Learning Achievement in Islamic Religious Education

This study aims to examine the influence of learning motivation and intellectual intelligence on students’ learning achievement in PAI (Pendidikan Agama Islam/ Islamic Religious Education). This study applied a quantitative approach using survey technique. The population of this study was students of class VIII MTs (Madrasah Tsanawaiyah/ Islamic Junior High School) Muhammadiyah Gemolong and the sample was determined randomly. The data were analysed using descriptive statistical methods, validity tests, reliability tests, and multiple regression analysis. The results show that there was a significant effect of both intellectual intelligence and learning motivation on student’ learning achievement in PAI with F Fcount 10.013 > Ftable 0.000; significance value 2 and 2.66 with α = 0.05 dan 0.01.

PENGEMBANGAN E-MODUL BERBANTUAN APLIKASI TEAM VIEWER DAN WHATSAPP UNTUK EFEKTIVITAS PRAKTIKUM JARAK JAUH DIMASA PANDEMI COVID-19

This study aims to ensure the learning process (Practicum) during the Covid-19 pandemic through learning tools developed based on the ADDIE development model, the tools developed in this study have been valid through validity tests by 2 experts with an average validator score of 85.8% (categorized very valid). Effective through the effectiveness test by peer assessment of student practicum activities with an average observation score of 80, and student performance-based test results with a high category score of 9 students, while 3 students have been tested for practicality through a response questionnaire instrument students with an average score of 86.5 (very good category), the existence of the Practicum E-Modul whose implementation is supported by the TeamViewer Remote Desktop and WhatsApp utilities is considered able to overcome learning difficulties (Practicum) during the Covid-19 pandemic.AbstrakPenelitian ini bertujuan untuk menjamin proses pembelajaran (Praktikum) dimasa pandemic Covid-19 melalui perangkat pembelajaran yang dikembangkan berdasarkan model pengembangan ADDIE, perangkat yang dikembangkan dalam penelitian ini telah Valid melalui uji Validitas oleh 2 orang pakar dengan rerata skor validator 85,8% (berkategori sangat valid). Efektif melalui uji Efektivitas oleh penilaian rekan sejawat terhadap aktivitas praktikum mahasiswa dengan rerata skor pengamatan sebesar 80, dan hasil tes berbasis kinerja mahasiswa dengan capaian skor yang berkategori tinggi sebanyak 9 orang mahasiswa, sedang sebanyak 3 orang mahasiswa, serta telah diuji kepraktisannya melalui instrument Angket respon mahasiswa dengan rerata skor sebesar 86,5 (berkategori sangat baik), keberadaan E-Modul Praktikum yang implementasinya didukung oleh utilitas TeamViewer Remote Desktop dan WhatsApp dianggap mampu mengatasi Kesulitan belajar (Praktikum) dimasa pandemic Covid-19.

The development of “Early Childhood Education & Care Curriculum Framework Implementation Scale” in Taiwan

Taiwan government consolidated the kindergarten and daycare systems in 2012, and launched a new national curriculum framework, Early Childhood Education & Care Curriculum Framework (ECECCF), as a guidance for quality early childhood education programs. Research has shown that the effects of a new educational program highly depended on the fidelity of its implementation. It has thus been suggested that the degree of implantation of a program needs be evaluated before conducting further program evaluation. Thus, the purpose of this study was to construct an Early Childhood Education Curriculum Framework Implementation Scale (ECECCF Implementation Scale) for Taiwanese preschool programs. 216 preschool classes in Taiwan were involved. The study consisted of two stages: In Stage 1, the exploratory factor analysis showed that the implementation of ECECCF could mostly be explained by four factors, and all the factors extracted had acceptable reliability and validity. In Stage 2, rubrics were constructed for each item and factor analysis was re-conducted, resulting in a 19-item scale of four factors (Awareness and Adjustment, Learning Centers Arrangement, Teaching Guidance and Curriculum Development). The reliability and validity tests shows that: (1) the final version of the ECECCF Implementation Scale is a valid and reliable instrument, explaining 62.9% of the total variance; (2) the criterion validity indicated that the ECECCF scale can not only be used for assessing the implementation of ECECCF, but also can be used for understanding teachers’ needs in instructional and operational curriculum for further professional development.

Viewing Your Kapwa: Elaboration of a Social-Relational Construct through Language

Enriquez (1978) presented Kapwa as a core social psychological construct that could underpin Filipino social perception and interaction. However, issues arose regarding its conceptual and operational clarity as well as lack of empirical support. This two-phased study aims to address the issues presented through a psychometric approach. The first phase aimed to uncover construct characteristics by asking participants to provide definitions and examples of kapwa and di-kapwa, which were then examined via content analysis and the Linguistic Inquiry and Word Count (LIWC) program. Results from this phase elicited four (4) themes indicating that people viewed their social other in terms of dispositional attribution, level of interaction, connection, and inclusion. The second phase utilized this data to develop a kapwa measure which was found to have three (3) dimensions: Relations with the Social Other, Perceived Negative Characteristics, and Difference from the Self. Initial reliability and validity tests were favorable. Implications on Filipino social perception and behaviors highlight that we view our social others in terms of the aforementioned three dimensions and how differentially we might treat them depending on whether they are perceived as kapwa or di-kapwa. Furthermore, the results of the study further elaborate and nuance kapwa, which adds to theorizing in Sikolohiyang Pilipino (SP).

PENGARUH KESEHATAN DAN KESELAMATAN KERJA (K3) TERHADAP KINERJA KARYAWAN PABRIK KELAPA SAWIT DI PT. DSN

This research is based on the importance of applying occupational health and safety to employees of palm oil mills, It is worth noting that by providing awareness to factory employees about occupational health and safety will improve the performance of these employees.The purpose of this research is to know the characteristics of factory employees in the production section and the influence of occupational health and safety on the performance of employees of palm oil mills production parts.The time and place of this research was conducted on December 2 to December 21, 2020 and took place at PT. DSN and located in Muara Wahau District. The research method used is quantitative by using the dissemination of statement questionnaires with variables of health, safety, and employee performance. Researcher data processing techniques use validity tests, reliability tests, and multiple linear regression analysis through spss 22 applications.From the results of research activities that have been conducted by researchers obtained data that shows that there is a positive and significant influence between occupational health and safety variables to the performance variables of factory employees.

PENGEMBANGAN PERANGKAT PEMBELAJARAN TEAM BASED LEARNING-PROBLEM SOLVING BERBANTUAN WHATSAPP DAN ZOOM MEETING PADA PEMBELAJARAN DARING

ABSTRAKPenelitian ini merupakan penelitian pengembangan perangkat pembelajaran yang bertujuan untuk menghasilkan perangkat pembelajaran yang berkualitas. Rumusan masalah penelitian ini adalah bagaimana kualitas perangkat pembelajaran yang dikembangkan dengan model pembelajaran Team Based Learning. Perangkat pembelajaran ini dikembangan dengan menggunakan model pengembangan Plomp. Teknik pengumpulan data yaitu dengan validitas melalui validasi perangkat, kepraktisan melalui observasi keterlaksanaan, angket respon guru dan peserta peserta didik. Dari penelitian ini diperoleh hasil: (1) perangkat yang dikembangkan valid melalui uji validitas konstruk dengan rata-rata persentase validitas untuk silabus sebesar 98,33% dengan kategori valid, RPP sebesar 78,48% termasuk kategori valid dengan revisi kecil, bahan ajar sebesar 79,68% termasuk kategori valid dengan revisi kecil, dan LKPD sebesar 76,04% yang termasuk dalam kategori valid dengan revisi kecil; (2) perangkat yang dikembangkan praktis ditunjukkan oleh rata-rata presentase keterlaksanaan pembelajaran sebesar 92,26% kategori sangat baik, kemudian respon guru terhadap perangkat pembelajaran yang dikembangkan sebesar 99,39% kategori sangat baik serta respon peserta didik terhadap proses pembelajaran menggunakan perangkat yang dikembangkan sebesar 82,66% kategori baik. Kata kunci: Perangkat pembelajaran; Team Based Learning; Problem Solving; Plomp. ABSTRACTThis research is research and development of learning tools that aim to produce quality learning tools. The formulation of the research problem is how the quality of learning tools developed with the Team-Based Learning learning model is. This learning device was developed using the Plomp development model. Data collection techniques are valid through device validation, practicality through implementation observation, teacher and student response questionnaires. From this study obtained results: (1) devices developed valid through construct validity tests with an average percentage validity for syllabus of 98.33% with valid categories, RPP of 78.48% including valid categories with small revisions, teaching materials of 79.68% including valid categories with minor revisions, and LKPD of 76.04% which fall into valid categories with minor revisions; (2) devices developed practically indicated by an average percentage of learning implementation of 92.26% excellent category, then teacher response to learning devices developed by 99.39% excellent category and learners' response to the learning process using developed devices by 82.66% good category. Keywords: Learning tools; Team-Based Learning; Problem Solving; Plomp.

Psychometric Comparison of the Persian Salzburg Emotional Eating Scale and Emotional Eater Questionnaire Among Iranian Adults

Background: The Salzburg Emotional Eating Scale (SEES) and the Emotional Eater Questionnaire (EEQ) are self-reported measures developed to evaluate emotional eating in adults in Western countries. To date, the psychometric properties of the SEES and the EEQ have not been studied among Iranian adults. The aim of the current study is to translate the SEES and the EEQ from English to Persian and examine the psychometric properties of the SEES and EEQ.Method: The sample of this study comprised of 489 Iranian adults who completed the SEES and the EEQ questionnaires online. Results: Findings of face, content, and construct validity tests confirmed that the SEES and the EEQ had acceptable validity and appropriate reliability. The results from confirmatory factor analysis showed acceptable goodness-of-fit indices for two measures. Conclusion: Results of Average Variance Extracted, Construct Reliability, and goodness-of-fit indices showed that the SEES was better for evaluating emotional eating among Iranian adults than the EEQ.

Pengaruh Budaya Organisasi Dan Kinerja Guru Terhadap Mutu Proses Pembelajaran Madrasah Ibtidaiyah Negeri Bandar Lampung

The purpose of study was to determine the influence of organizational culture on the learning process quality, the influence of teacher performance on the learning process quality and the influence of organizational culture and teacher performance on the learning process quality at Madrasah Ibtidaiyah Negeri in Bandar Lampung City. The research data is in the form of numbers which the answers to the respondents' questionnaires. Researchers conducted validity tests, reliability tests, normality tests as prerequisite tests for variable instrument items. The results showed that the simple linear regression of the organizational culture variable on the quality process was 9.560> 2.104 with an R square of 0.67 or 67% classified as moderate with a relationship of Y = 12.527 + 0.783X. Simple linear regression of organizational culture variable on quality process is 4.813>2.104 with R square of 0.34 or 34% classified as low with the relationship Y=23,663+0,577X. Multiple linear regression of organizational culture and teacher performance variables on the quality process of 59.220>3.20 with an R square of 0.729 or 72.9% classified as high with the relationship Y=3,900+0.667X1+0.269X2, meaning that a 1% change in the value of the Y variable affects the variable X1 is 0.667 and X2 is 0.269.