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Home Kredit Integration System and Vehicle Insurance Policy Simas Insurtech at Sinar Mas Insurance
No full textWeb service API is meant for each platform to be connected and can be used for personal, group, or company needs. Web service API in the insurance world is used for insured parties to get their policy numbers and payment details for insurance purposes both for self-insurance and the property of the insured. By using a primary data collection method that is directly from the source, by using existing parameters in the procedure that was made previously to be able to get a valid policy number and is used by the insured as a form of cooperation with the Sinar Mas Insurance company. The results of the analysis are the number of policies that have been processed, will be used for the insured to make insurance claims on the insurance. This API has been made which aims to facilitate interaction between application platforms both web-based or mobile in data retrieval without regard to the platform used so that the activity of exchanging data between applications can run properly
Kepemimpinan Yang Efektif Berbasis Kearifan Lokal: Effective Leadership Based On Local Wisdom
No full textThis research aims to analyze the relationship between leadership and local wisdom of East Sumba, to describe the characteristics of leadership based on local wisdom of East Sumba, and to analyze the effectiveness of leadership based on local wisdom of East Sumba at SMA Negeri 1 Pandawai. This research is qualitative research with an ethnographic approach. The subjects in this research are community leaders and religious leaders. The second subject in this research was the Principal, Teachers, students and committee of SMA Negeri 1 Pandawai. The data collection techniques used in this research are interview, questionnaire and observation techniques. The data analysis technique used is ethnographic content analysis. The results of the research found by researchers are 1) The relationship between leadership and local wisdom of East Sumba is closely related to traditional beliefs (Marapu), marriage customs (Puru Ngandi), death customs (Taning) where all these customs are closely related to the leadership aspects of direction, influence, communication and guidance. 2) Leadership based on the local wisdom of East Sumba that exists and is commonly used is nicknamed leadership or leadership with the "Ina Rendi, Ama Manu" model which means "mother duck, father chicken". 3) Leadership based on local wisdom from East Sumba at SMA Negeri 1 Pandawai is effective in improving the quality of work of teachers and staff as well as improving the quality of students.The principal's leadership is an important component in the school, because it sets various policies and rules that will guide the school. One of the determinants of the progress of an educational institution is the leadership of the school principal. Effective school principal leadership must be able to carry out the vision and policies of the government and those that have been determined together. However, in reality in the field, subordinates (teachers and administrative staff) do not easily accept and implement the government's vision and policies or school policies that have been mutually agreed upon. The proof is that there are still many schools that have not been able to implement the vision in the form of action, sometimes the decisions taken do not involve subordinates, communication between leaders and subordinates is not good so that recognizing each member/subordinate will be difficult, so that leadership will not bring influence or change to the community. the institution. Basically, all input, policies and new breakthroughs are more easily accepted if they are conveyed using an approach based on the local customs/wisdom of the East Sumba community. This is caused by the culture or local wisdom of the East Sumba people which is still very influential in all aspects of life. A leader must be able to carry out policies that continue to be determined by the government by paying attention to the local wisdom of the community which has been embedded and become a guideline for social life before there is a government policy. So that culture and local wisdom can be implemented simultaneously, when policies are unable to solve a problem, that's where the leader will take an approach based on the local wisdom of the community. Vice versa, when local wisdom cannot solve a problem, then government policy will be used to solve the problem. This research topic is divided into two, namely, leadership and local wisdom. The aim of this research is to analyze the relationship between leadership and local wisdom of East Sumba, describe the characteristics of leadership based on local wisdom of East Sumba, and analyze the effectiveness of the leadership of school principals based on local wisdom of East Sumba at SMA Negeri 1 Pandawa
Bukti Kesiapan Guru Sekolah Dasar Akibat Seringnya Perubahan Kurikulum di Indonesia: The Primary School Teacher Readiness Through to Frequent Curriculum Changes in Indonesia
No full textTeacher performance uncertainty rumors occurs because of the frequent curriculum changes. This research aims to find the evidence of primary school teachers' readiness to face curriculum changes. The method of this research is quantitative descriptive with deductive analysis. The results show three evidence of primary school teachers' readiness for curriculum changes, such as: a) it is proven that almost every five years, the curriculum changed which is not ideal for teacher’s period in carrier; b) the ambiguity data of psychological readiness for primary school teachers towards curriculum changes was found between 53.5% and 46.5%; c) research proven that the effectiveness of the three learning domains exceeds 70% occurs because curriculum changes. This research also provides recommendations for a more meaningful curriculum change process. Through this research, it is hoped that rumors of teacher performance uncertainty can be scientifically proven and to be continued in finding solutions for improvement through recommendations that have been made.Rumor ketidakpastian kinerja guru terjadi akibat seringnya pergantian kurikulum. Penelitian ini bertujuan untuk menemukan bukti kesiapan guru sekolah dasar (SD) dalam menghadapi perubahan kurikulum. Metode yang digunakan untuk menemukan fakta adalah dengan deskriptif kuantitatif dengan analisis deduktif. Hasil penelitian menunjukkan tiga komponen bukti kesiapan guru SD terhadap perubahan kurikulum, meliputi: a) terbukti bahwa hampir setiap lima tahun sekali terjadi perubahan kurikulum yang tidak ideal bagi masa kerja guru; b) ditemukan ambiguitas sebesar 53,5% dan 46,5% pada data kesiapan psikis guru SD terhadap perubahan kurikulum; c) terbukti bahwa efektifitas tiga ranah pembelajaran melampaui angka 70% ketika terjadi perubahan kurikulum. Penelitian ini juga memberikan rekomendasi proses perubahan kurikulum yang lebih bermakna. Melalui penelitian ini diharapkan rumor ketidakpastian kinerja guru dapat dibuktikan secara ilmiah untuk dilanjutkan dalam penemuan solusi perbaikan melalui rekomendasi yang sudah dibuat. 
Kematangan risiko keamanan informasi layanan TI menggunakan pendekatan NIST dan standar ISO 27001:2013 (Studi kasus: Bapenda Provinsi Jawa Tengah)
Get PDFThe application of Information Technology (IT) often poses risks, such as incorrect application processes, data theft and data corruption. With the increasing risk, greater control is needed. For this reason, it is necessary to see whether the running system is equipped with adequate control. The Regional Revenue Management Agency (BAPENDA) of Central Java Province has utilized IT in its activities. The absence of adequate information security standards impacts data or information that is less secure, both in terms of confidentiality, integrity, and availability. The aims and objectives of the research are to measure KAMI risk maturity, such as conducting an IT assessment managed by BAPENDA. For example, vehicle tax payment service application, Android (New Sakpole), and IT infrastructure. The results of KAMI Maturity Level at BAPENDA in security policy clauses were 0.76, organization KAMI 1.24, control asset classification 0.63, personnel security 1.12, incident management KAMI 1.21, business continuity management 0.51, physical and environmental security 1.61, system development and maintenance 2.94, access control 4.18, communications and operations management 4.58 and, compliance 2.07. Mapping asset identification with NIST-CSF obtained several assets: hardware, software, employee, and information/data. The results show that assets in BAPENDA have a high risk (High) Risk Avoidance, so they require mitigation using NIST controls and Annex ISO-IEC 27001:2013.Penerapan Teknologi Informasi (TI) seringkali menimbulkan risiko, seperti salah proses dari aplikasi, pencurian data serta kerusakan data. Dengan semakin besarnya risiko, maka diperlukan pengendalian (kontrol) yang semakin besar pula. Untuk itu perlu dilihat apakah sistem yang berjalan sudah dilengkapi dengan kontrol yang memadai. Badan Pengelola Pendapatan Daerah (BAPENDA) Provinsi Jawa Tengah telah memanfaatkan TI dalam aktivitasnya. Tidak adanya standar keamanan informasi yang memadai, memiliki dampak pada data atau informasi yang kurang terjaga, baik dari sisi kerahasiaan (Confidentially), integritas (Integrity) dan ketersesiaan (Availability). Penelitian ini bertujuan untuk mengukur kematangan risiko Keamanan Informasi (KAMI), seperti melakukan asesmen TI yang di kelola BAPENDA, seperti aplikasi layanan pembayaran pajak kendaraan bermotor, Android (New Sakpole) termasuk infrastruktur TI. Hasil dari Maturity Level KAMI di BAPENDA pada klausul kebijakan keamanan sebesar 0.76, organisasi KAMI 1.24, klasfikasi aset kontrol 0.63, keamanan personel 1.12, manajemen insiden KAMI 1,21, manajemen berlanjutan bisnis 0.51, keamanan fisik dan lingkungan 1.61, pengembangan sistem dan pemeliharaan 2,94, kontrol akses 4,18, manajemen komunikasi dan operasi 4.58 dan, kepatuhan 2.07. Pemetaan identifikasi aset dengan NIST-CSF diperoleh beberapa Aset antara lain Aset Informasi dan data, Aset Pegawai, Aset Hardware dan Aset Software. Hasil yang diperoleh bahwa Aset di BAPENDA memiliki risiko tinggi (High) Risk Avoidance sehingga memerlukan mitigasi dengan menggunakan kontrol NIST dan Annex ISO-IEC 27001:2013.
PERANCANGAN VIDEO PROFILE SEKOLAH EKKLESIA DENGAN MENGGUNAKAN LINEAR STRATEGY UNTUK MEMBANGUN CITRA POSITIF SEKOLAH
Get PDFEkklesia School is a holistic school that prioritizes the personal development of its students. The limited information about Ekklesia School, including its teaching system, facilities, and the quality of its teachers, has resulted in a low level of awareness about the school, This has resulted in a lack of students enrolling in the school. Therefore, there is a need for informational media that can summarize information about Ekklesia School through audiovisual media, such as a video profile. Research in the form of a video profile with a clear message and information, supported by strong visuals and narration, can help the audience understand the message conveyed in the video profile. This research applies qualitative methods and a linear strategy in its design process, enabling the delivery of current and in-depth information and messages about Ekklesia Schoo
ISOLATION AND CHARACTERIZATION OF INULINASE ENZYME-PRODUCING MICROBES FROM BANANA FRUIT (Musa paradisiaca)
Get PDFInulinase (EC 3.2.1.80) is an enzyme that can hydrolyze inulin into fructose or fructo-oligosaccharides. Using the inulinase enzyme as a catalyst in making inulinase-based fructose can obtain a fructose percentage of 90-95 percent. Inulin is a linear polysaccharide (ß-2,1-linked d-fructose residue terminated by a glucose residue) that accumulates as a storage carbohydrate in plants. One natural source that can produce inulin is bananas. Bananas are a source of inulin which contains around 0.58-1.09 percent. This research used three types of bananas, including Musa X paradisiaca, Musa paradisiaca formatypica, Musa paradisiaca var sapientum. Apart from that, you can also find out the characteristics of the microbes and enzyme activity produced from the three types of bananas. The results of this research show that the three isolated types of banana are capable of producing the inulin ase enzyme which is indicated by the growth of these microbes in ISM media. ISM media (Inulinase Selective Media) is an inulinase mixing media where only inulin-producing microbes can grow on the media. The microbes isolated from the three types of bananas that had the highest inulinase enzyme activity value were Raja Nangka bananas with an enzyme activity value of 0.405 IU/mL. Meanwhile, the lowest inulinase enzyme activity value was in Kepok bananas with an enzyme activity value of 0.088 IU/mL
A comparative study on classification models for stock rating prediction
Get PDFThe digital transformation in the stockbroker industry has led to a significant increase in retail investors, who often lack the expertise to analyse stocks thoroughly. This research addresses the challenge by proposing a classification model to predict stock ratings such as "Reduce", "Hold", "Moderate Buy", and "Buy”, allowing retail investors to make informed decisions. The data analysed is collected from the S&P 500 index through web scraping using Beautiful Soup, resulting in a dataset used for training and testing the classification model. Popular stock indicators are used as attributes in predicting the rating of the stock, which includes the Exchange, Price, Volume, Market Cap, ROE, ROA, P/E Ratio, EPS, Annual Sales, Net Income, Net Margins, and PB Ratio of the stock. The models selected for classification include K-Nearest Neighbors (k-NN), Gaussian Naive Bayes, Support Vector Machine (SVM), Decision Tree, and Random Forest. GridSearch is employed to maximize each algorithm's parameters for optimal performance. Results indicate that the k-NN model outperforms others, achieving the highest accuracy (0.618644) and weighted F1-score (0.605011). However, all models exhibit relatively low accuracy, suggesting the complexity of predicting stock ratings due to external factors not considered in the study
KETENTUAN ASAS LEX FAVOR REO DALAM KUHP NASIONAL TERHADAP PUTUSAN YANG TELAH BERKEKUATAN HUKUM TETAP
Get PDFArtikel ini membahas penerapan asas Lex Favor Reo dalam Pasal 3 KUHP Nasional terhadap putusan yang telah berkekuatan hukum tetap. Penelitian ini menggunakan metode penelitian yuridis normatif. Hasil penelitian menunjukkan perlunya mengkualifikasikan perubahan undang-undang yang menguntungkan pelaku sebagai keadaan baru, sehingga syarat peninjauan kembali sebagai upaya hukum luar bisa dapat dilakukan. Keberlakuan asas Lex Favor Reo terhadap putusan yang telah berkekuatan hukum tetap (Inkracht) untuk mewujudkan keadilan dan kemanfaatan hukum itu sendiri karena hukum pidana seharusnya mampu menyesuaikan dengan kondisi perkembangan hukum di masyarakat. Hukum harus selalu memberikan yang mengutamakan hak dari pihak yang berperkara baik seorang pelaku kejahatan maupun korban. Hukum pidana harus sesuai dengan eksistensinya yaitu keadilan dan kemanfaatan hukum itu sendiri sehingga terhadap suatu perubahan undang-undang yang menguntungkan pelaku dapatlah dikategorikan sebagai novum sehingga terwujud novum demi keadilan.This article delves into applying the Lex Favor Reo principle in Article 3 of the National Criminal Code to decisions with permanent legal force. This research, employing normative juridical research methods, reveals the need to qualify changes in laws that benefit perpetrators as new circumstances so that the requirements for judicial review as an external legal remedy can be carried out. Applying the Lex Favor Reo principle to decisions with permanent legal force (Inkracht) is to realize justice and the benefits of the law itself. As a champion of justice, the law must always prioritize the rights of the litigants, both perpetrators of crimes and victims. Criminal law, in essence, must be by its existence, namely justice and the benefits of the law itself, so that a change in the law that benefits the perpetrator can be categorized as a novum so that a novum for the sake of justice is realized
The effect of customer engagement on repurchase intention among Indonesia’s digital banks
Get PDFA new era of banking in Indonesia has arrived with digital transformation in the banking sector. Digital banks are the main choice of young people, especially millennials and Generation Z. How to choose the ideal digital bank? This research tries to answer the question by understanding the role of customer engagement on repurchase intention. The author connects digital bank applications with customer satisfaction and customers will be committed to attaching themselves to the selected digital bank application. The author uses structural equation modeling (SEM) to test the research model with a sample of millennial and Generation Z customers (n = 200). The study results show a significant positive influence of customer satisfaction on customer engagement and repurchase intention of this generation of customers. These findings can provide input for application development and marketing strategies that suit customers, especially millennials and Z generations. Other digital application companies in Indonesia can conclude what the expectations of millennial and Generation Z customers are. To the author's knowledge, there have not been many articles discussing digital banks, the relationship between application use which is an antecedent effect on customer satisfaction, and the effect of customer engagement on repurchase intention in Indonesia.Era baru perbankan di Indonesia telah tiba dengan adanya transformasi digital di sektor perbankan. Bank digital menjadi pilihan utama masyarakat generasi muda khususnya generasi milenial dan generasi Z. Bagaimana memilih bank digital yang ideal? Penelitian ini mencoba menjawab pertanyaan dengan memahami peran keterikatan pelanggan (customer engagement) terhadap minat beli kembali (repurchase intention). Penulis menghubungkan aplikasi bank digital dengan kepuasan pelanggan (customer satisfaction) dan pelanggan akan komitmen untuk mengikatkan diri ke aplikasi bank digital yang dipilih. Penulis menggunakan structural equation modelling (SEM) untuk menguji model penelitian dengan sampel pelanggan generasi milenial dan generasi Z (n = 200). Hasil penelitian menunjukkan bahwa ada pengaruh positif signifikan dari kepuasan pelanggan (customer satisfaction) ke keterikatan pelanggan (customer engagement) dan minat beli kembali (repurchase intention) pelanggan generasi tersebut. Temuan ini dapat memberikan masukan untuk pengembangan aplikasi dan strategi pemasaran yang sesuai dengan pelanggan, terutama generasi milenial dan Z. Perusahaan aplikasi digital lainnya di Indonesia bisa menarik kesimpulan apa harapan pelanggan milenial dan generasi Z. Sepengetahuan penulis, belum banyak artikel yang membahas bank digital, hubungan antara penggunaan aplikasi yang merupakan pengaruh anteseden terhadap kepuasan pelanggan dan pengaruh keterlibatan pelanggan terhadap minat beli kembali di Indonesia
The Dynamics of Tourism in Sambangan Village, Buleleng, Bali
Get PDFABSTRACT
The successful development of tourism in a region is closely tied to tourism awareness and effective destination management. Sambangan Village in Bali is an up-and-coming tourist destination known for its nature-based attractions. The local community firmly believes that the village's success is contingent upon their awareness and active participation. This study delves into the tourism dynamics of Sambangan Village by examining insights from tourism managers associated with the local community's Tunjung Mekar Tourism Awareness Group (POKDARWIS Tunjung Mekar). The study utilized qualitative methods, including in-depth interviews with the chairman of POKDARWIS Tunjung Mekar, local community members from Sambangan Village, and travel agents from Lovina and Kuta Beach. The findings revealed that Sambangan Village has implemented development strategies that impact its tourism dynamics, including strengthening tourism products and institutional capacity, enhancing tourist safety and comfort, as well as promotional and marketing efforts. The study aims to provide valuable recommendations for the development of similar tourism destinations across Indonesia.
Keywords: tourism awareness, dynamics of tourism, community-based tourism, Sambangan Village, Sambangan Secret Garde