Urgensi Karakter dalam Analisa Pembiayaan Murabahah di Bank Syariah Indonesia

The character of the customer is very important to analyze in the process of financing analysis. Character is an aspect of personal nature and concerns the depth of an individual's soul, so that character becomes difficult to identify. The purpose of this study was to determine whether Bank Syariah Indonesia KCP Nganjuk also conducted an in-depth character analysis. This field research uses a qualitative approach, with data collection techniques carried out using interviews and documentation. The data processing technique is done by data reduction, data presentation, and then conclusions. The results of this study are discrepancies in several points in the assessment using character analysis because at Bank Syariah Indonesia KCP Nganjuk implements 5C completely, although according to them, the character is important, the character can change along with financial conditions, economic conditions such as because of covid-19, dishonest customer character, manipulated business or work conditions, both stocks of goods and suppliers, purchases of goods are not by was proposed so that customer breaks his promise and does not fulfill his responsibility to repay the financing to the bank.Karakter nasabah adalah hal yang sangat penting untuk dianalisisis dalam proses analisis pembiayaan. Karakter merupakan aspek dengan sifat pribadi dan menyangkut kedalaman jiwa seorang individu, sehingga karakter menjadi sulit untuk dikenali. Tujuan penelitian ini adalah untuk mengetahui apakah Bank Syariah Indonesia KCP Nganjuk melakukan analisis karakter secara mendalam. Penelitian lapangan ini menggunakan pendekatan kualitatif, dengan teknik pengumpulan data wawancara dan dokumentasi. Teknik pengolahan data dilakukan dengan reduksi data, penyajian data, dan kemudian menarik kesimpulan. Hasil penelitian menunjukkan ketidaksesuaian dalam beberapa poin pada penilaian dengan menggunakan analisis karakter, karena di Bank Syariah Indonesia KCP Nganjuk menerapkan 5C secara lengkap, walaupun menurut mereka karakter adalah hal penting. Namun karakter bisa berubah seiring dengan kondisi keuangan, kondisi ekonomi seperti karena adanya covid-19, karakter nasabah yang tidak jujur, kondisi usaha, atau pekerjaan yang dimanipulasi baik stok barang dan supllier, pembelian barang tidak sesuai dengan yang diajukan, sehingga nasabah ingkar janji dan tidak memenuhi tanggung jawabnya untuk mengangsur pembiayaannya kepada pihak bank.

Discent perspectives on the teaching and learning process in a technology course in legal services in distance education modality

The general objective of the study was to describe and analyze students' perspectives on the teaching and learning process in a technology course in legal services in distance education. The study also aimed to identify the profile of the student in the Legal Services course; describe the mastery of digital information and communication technologies by the students of the course; describe the teaching and learning process in the analyzed course; and to analyze the learning difficulties described by the students. Descriptive research with a quantitative and qualitative approach to data analysis was carried out with students from the second, third and fourth semesters of the technology course in Legal Services at a distance from a private university center in northern Paraná. The results obtained indicate that the greatest difficulties that students encounter in this context are of a personal nature. Within this category, academic difficulties predominate, followed by socioeconomic and structural difficulties that obtained the same percentage and difficulties in motivation. Despite indicating that the greatest learning difficulty is of a personal nature, when asked what could make them learn better, the majority indicated changes in instructional design.

“A Straight Path, a Narrow Path ...” (New Testament Plots in the “Roman Diary of 1944” by Vyacheslav Ivanov: The Apostles)

In this article, a number of selected episodes of the “Gospel text” taken from Vyacheslav Ivanov’s “Roman Diary of 1944” – a kind of “sunset” cycle of the poet – are investigated. Particular attention is paid to the place of this cycle within the poet’s creative output. It is observed that the diary-style of the poetry emphasizes the lyrical and confessional tonality of the texts included in the “Roman Diary of 1944.” A detailed analysis of the poems, whose plot is defined by the apostolic theme, is carried out. In particular, the difference between Vyacheslav Ivanov’s creative interpretation of the Gospel episodes concerning the apostles and the corresponding New Testament passages – a difference that emphasizes the strong personal nature of Ivanov’s interpretation of these texts – is highlighted. Special attention is also paid to the historical and cultural context of the works considered. As a result, the concept of “aiontopos” will be introduced into the creative context of Vyacheslav Ivanov’s poetry. Within this concept, the inseparable (essential) link between the later years of his biography and the common Christian “path” to God is revealed. Special attention is paid to the important and still debated issue concerning Vyacheslav Ivanov’s acceptance of Catholicism according to Vladimir Solovyov’s formula. This entire issue introduces the analyzed verses into the context of the general European cultural and philosophical thought of the twentieth century. In this regard, the analyzed poetic texts indicate the names of the saints equally worshiped in both the Catholic and Orthodox traditions. In this way, the cultural-historical and cultural-philosophical relevance of Vyacheslav Ivanov’s poetic intuitions, the ones that express the idea of a common Christian unity in the bosom of the Universal Church, is remarked.

Second-Personal Evidence

This chapter draws on Hohfeld’s scheme of jural opposites and correlatives to identify the irreducibly second-personal nature of legal entitlements and the interplay between the right-holder’s authority and the duty-bearer’s accountability. Based on that insight, the author argues that facts that courts need to ascertain and—critically—the procedures that courts must carry out in ascertaining those facts, ought to be second-personal as well. As a corollary, courts must only rely upon second-personal evidence, that is: upon information concerning the alleged jural relationship between the holder of the underlying entitlement and the bearer of the correlative duty or obligation. Further, this fundamental requirement defines the modus operandi of the Anglo-American system of evidence and its core rules.

Lifelines

There is an imbalance across design disciplines in how the user is theorised, represented and ultimately configured. It is suggested that normative user-centred design, as practiced in product design and human-computer interaction (HCI), can lead to a lack-based approach which, when applied in a health and wellbeing context, tends to align unreflexively with a medicalised view of the person. In contrast, the use of self in research is a concept well-developed in health care ethics and care professions, while the interpersonal relationship is valued and analysed in psychotherapy and counselling research and practice. Inspired by these, this article presents a discussion on the sometimes deeply relational nature of doing design with users when viewed through the lens of the Person-Centred Approach (PCA) (Rogers 1961/1967). A case study is used to illustrate an encounter of relational depth as experienced by students working directly with individuals to design prosthetics. Lifelines is a creative project brief developed by Jivan Astfalck (2008; 2011), which asks students to represent ten significant moments in their own lives through the creative use of materials and found objects. In this case, the brief was altered so that another person (the ‘user’) would be represented. The aim was that the student designers would experience moving beyond implicit conceptions of the user as defined by a need or perceived (dis)ability, and that the intimate and personal nature of identifying and representing significant moments would raise questions about expectations of objectivity in design and research. The case study demonstrates that working in this way can be experienced as profoundly moving, with powerful moments of personal transformation and interpersonal growth. In discussion, it is suggested that through such moments of encounter, it becomes possible to examine the qualities of the relational in action, and to analyse not only problematic processes of othering, but also their converse - meetings at relational depth. The Lifelines brief is proposed as a transformative way for designers to re-engage with the whole person, as both substantial (self-realising) and relational (in time, with others and the world), and as one creative exercise in a potential suite of tools for the strengthening of the “ethical reflex” necessary in Design and HCI (Vandenberghe and Slegers 2016, 514).

Clinical Evaluation of a Self-Testing Kit for Vaginal Infection Diagnosis

Vaginitis is a common disorder among women of varying ages that arises from a change in the normal pH balance of vaginal bacteria or an infection. Characteristic symptoms of itching, irritation, and odor cause considerable discomfort and increase the risk of contracting other sexually transmitted infections. Because of the sensitive and personal nature of the condition, some women may be reluctant to seek treatment. This behavior not only fails to solve the problem but may also delay medical treatment and result in additional medical complications. The pH changes associated with vaginitis and vaginosis, which are characterized by the presence or absence of inflammation, respectively, are well known but can vary. For example, bacterial vaginosis and trichomoniasis infection will raise vaginal pH above 4.5, while vulvovaginal candidiasis does not result in any measurable change to pH. Nonetheless, diagnostic tools relying on pH measurement are a valuable approach from which additional testing and treatment may be launched. Here, we focused on the use of a vaginal self-test tool and tested 50 patients, including pregnant women. When used according to the instructions, the Hygeia Touch Self-Testing Kit for Vaginal Infection demonstrated over 88% accuracy compared to a clinical diagnostic workup, with a sensitivity of 87% and a specificity of 89% in the patients where the swab was correctly interpreted. This study demonstrated an effective self-test method with high acceptability among women that provided them with greater autonomy regarding health management.

A living journals approach for the remote study of young children’s digital practices in Azerbaijan

This article proposes the living journals method for remotely studying participants, elevating participant agency in the data generation process and minimising or completely removing the need for a researcher to be physically present in the field. Employing this method, the paper describes how the method was used to explore 5-year-old children’s digital practices in five families in Azerbaijan. Mothers were assigned as ‘proxy’ researchers to generate the data following prompts sent through a smartphone application. Mothers’ answers were used to create journals, and subsequently, fathers separately, and mothers and children together were requested to interpret their own journals and those of other participant children. Allowing other families to comment on one another’s journals further revealed their attitudes towards using digital technologies and enriched the data, emphasising its multivocality and metatextuality. The article describes the living journals method in detail, highlighting its affordances for researchers to generate data from a distance in other contexts. The article also discusses the methodological and empirical contribution of the method to this study about young children’s engagements with digital media at home. By decentring the researcher in the data generation process, the method allows researchers to generate both visually and textually complex and rich data. The visual and personal nature of the method goes beyond text-based research accounts to bring the data to life, allowing the researcher to generate multimodal, multivocal, metatextual and multifunctional data.

Philosophy as a Vocation and Personal Commitment: the Young Heidegger and the Question of Philosophy

Determining what philosophy is for the young Heidegger is a complex task. It is also an ambiguous task in that it is considered unresolved and intricate due to its subsidiary link to factical life. This paper will try to show that from the approach of worried concern and from a critique of the theoretical attitude and worldviews, Heidegger conceives that philosophizing is committing oneself to the possibility of carrying out a personal transformation lived as a commitment of a personal nature. From this situation, which will be critically scrutinized in the development of the present paper, I will determine philosophy to be the setting in motion of the self-enlightenment of the life of each existent.