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Legal Due Diligence of Fintech Agreement Law Transformation of Economic Recovery in the New Normal Era
No full textToday, business transactions no longer have to be carried out face to face, instead through virtual or in a virtual world that is connected globally. One of the economic activities that affect the public interest is the activity of channeling funds which must be carried out fairly and in accordance with Article 33 paragraph (4) of the 1945 Constitution, namely the economy. Financing Institutions have undergone a process of digitization, plus during the Covid-19 pandemic experienced a high surge in business capital needs so that financing transactions can be easily accessed online, financial technology (fintech) services are regulated in OJK Regulation No.77 / POJK.01 / 2016 concerning Borrowing Services Information Technology-Based Borrowing If the provider of Information Technology-Based Borrowing and Lending Services has been proven to have committed a violation, it may result in imposing sanctions on the agreement. The purpose of this research is to contribute from a conceptual perspective of business law in fulfilling economic recovery and to find out about sanctions arrangements for Fintech service providers in order to achieve legal certainty. The research method used is through normative law and conceptually socio legal. The results of this research analysis are expected that business people want to invest in a company with a fast process, so the need for Fintech services is to be able to transform in a Legal Due Diligence so that the economic recovery of a new national era is held based on economic democracy using the principles of togetherness, justice, sustainability, environmental awareness, independence. Legal Due Deligence is able to be a solution to minimize potential risks in the future. So that it will get benefits for finctech organizers and the public who use services as a result of the positive influence due to the Legal Due Deligence business concept
KAJIAN FEMINITAS PUTRI HARISBAYA DALAM WAWACAN BABAD SUMEDANG KARYA ABDUR’ROCHMAN
Get PDFThe studi was aimed at (1) finding out citra or image of Princess Harisbaya in the Sundanese classical poetry Wawacan Babad Sumedang written by Abdur’raochman; (2) finding out a femininity study of Princess Harisbaya in the Wawacan Babad Sumedang written by Abdur’raochman. The study was a analytical description. The study used and applied qualitative methodology principles. To gain the data, literary and documentation study on Wawacan Babad Sumedang were conducted. The steps of collecting data were reading of the texts accurately, making note of relevant data, identifying and classifying the data, making data tabulation and descripton. In analyzing the structure, AJ Greimas theory was adobted. The result of the study showed that Wawacan Babad Sumedang decripting citra and habits of Princess Harisbaya and her stories
The Relationship Between Organizational Commitment and Readiness to Change for Employee of PT X
Get PDFThe purpose of this study is to determine the relationship of organizational commitment and readiness to change. This study is a quantitative research with an explanatory method. The subject for this research conducted to 75 employee of PT X Jatimbalinusra. Data collection using Organizational Commitment Scale developed by Allen and Mayer (1991) and READ 3 Readiness for Change Scale belongs to Hanpacern (1997). Data analysis using IBM SPSS Statistic 22. From the result of this study showed the correlation between the value of organizational commitment and readiness for change is 0,000 which is worth less than the significance level of 0,05. The strenght of the correlation between two variables is strong with a value of 0,856. This indicate that there is a significant correlation between organizational commitment and readiness to change
Innovations in Coffee: Patents Reveal in Indonesia
Get PDFThis paper aims to reveal coffee-related innovations based on the number of registered patents in Indonesia. This paper used a desk study with a literature review and a descriptive analysis method. A literature study to identify existing innovations from registered documents through patent mining, sourced from Indonesian and WIPO patent databases. Findings. The results from the Directorate General of Intellectual Property Rights of Indonesia's patent search, the registered patent on coffee is 202 patents. From the invention technology, the innovations group into coffee processing as beverage (53%), coffee processing equipment (27%), extraction process (5%), and coffee breeding or plantation process (3%), and other (11%). Also, 75% of patent owners are not from Indonesia but dominate Switzerland, America, and other countries
IMPROVING STUDENTS’ DIRECT AND INDIRECT SPEECH MASTERY IN NEWS ITEM TEXT THROUGH USING INPUT ENHANCEMENT TECHNIQUE
Get PDFThe goal of this research is to find out whether input enhancement technique is effective in improving students’ direct and indirect speech mastery in news item text. This research is quantitative experimental research with pretest and posttest control group design. The data of this research is the students’ direct and indirect speech mastery in new item text. The data collection technique is by administering tests, using pretest-posttest design. The data analysis technique uses t-test formula. The result indicates that there was no difference between control and experimental group in initial abiity before the input-enchancemen-technique was treated. Whereas by using input enhancement technique there was significant difference between students taught direct and indirect speech mastery using input enhancement technique and those taught direct and indirect speech mastery in news item text without using input enhancement technique. Thus, it could be concluded that the use of input enhancement technique was effective in improving students’ direct and indirect speech mastery in news item text.
Penelitian ini dilakukan untuk mengetahui apakah penggunaan teknik peningkatan input efektif dapat meningkatkan penguasaan tuturan siswa secara langsung dan tidak langsung pada teks item berita. Penelitian ini merupakan penelitian eksperimental kuantitatif dengan desain control group pretest and posttest. Data dalam penelitian ini adalah penguasaan tuturan langsung dan tidak langsung siswa pada teks item berita. Teknik pengumpulan data dengan pemberian tes, pretest dan posttest. Teknik analisis data menggunakan rumus uji-t. Hasil penelitian menunjukkan bahwa tidak ada perbedaan antara kelompok kontrol dan kelompok eksperimen dalam hal kemampuan awal sebelum dilakukan perlakuan teknik input-enhancemen. Sedangkan dengan menggunakan teknik peningkatan input terdapat perbedaan yang signifikan antara hasil belajar siswa dalam hal penguasaan tuturan langsung dan tidak langsung menggunakan teknik peningkatan input dengan hasil belajar siswa dalam hal penguasaan tuturan langsung dan tidak langsung dalam teks item berita tanpa menggunakan teknik peningkatan input. Dengan demikian, dapat disimpulkan bahwa penggunaan teknik peningkatan input efektif dalam meningkatkan penguasaan tuturan siswa secara langsung dan tidak langsung pada teks item berita
PERSEPSI KINERJA GURU, DITINJAU DARI PERSEPSI DUKUNGAN ORGANISASI, PERSON-ORGANIZATION FIT, DAN ORGANIZATIONAL CITIZENSHIP BEHAVIOR
Get PDFTeachers’ performance will improve with the support of the school, compatibility between teacher as an individual with the values, goals, and characteristics of the organization. Teachers’ behavior will also contributes positively to improving performance.This study was aimed to determine the effect of perceived organizational support, person-organization fit, and organizational citizenship behavior on the performance of Kairos Gracia School teachers in West Jakarta. This research used quantitative approach and PLS-SEM method for data analysis. Data was collected by distributing questionnaires and analyzed descriptively and inferentially by conducting validity, reliability, and path analysis tests by using SmartPLS 3.2.9. software. The results showed that perceived organizational support did not have a direct positive influence on teachers performance, while person-organization fit and organizational citizenship behavior have a positive effect on performance. Perceived organization support would be positively influenced teachers’ performance when mediated by organizational citizenship behavior.
Kinerja guru akan meningkat dengan adanya dukungan dari pihak sekolah, kecocokan antara guru sebagai individu dengan nilai, tujuan, dan karakteristik organisasi Perilaku guru juga memberikan kontribusi positif terhadap peningkatan kinerja. Penelitian ini bertujuan untuk mengetahui pengaruh persepsi dukungan organisasi, person-organization fit, dan organizational citizenship behavior terhadap kinerja guru Sekolah KARIOS GRACIA di Jakarta Barat. Penelitian ini. bersifat kuantitatif. Data dikumpulkan melalui kuesioner dan dianalisis secara deskriptif dan inferensial untuk uji validitas, reliabilitas, dan analisis jalur dengan metode PLS-SEM melalui program SmartPLS 3.2.9. Hasil penelitian menunjukkan bahwa persepsi dukungan organisasi secara langsung tidak memiliki pengaruh positif terhadap kinerja guru. sedangkan person-organization fit dan organizational citizenship behavior berpengaruh positif terhadap kinerja. Persepsi dukungan organisasi akan memiliki pengaruh positif terhadap kinerja guru melalui variabel laten organizational citizenship behavior
THE PHILOSOPHICAL FOUNDATION OF THE SCHOOL LITERACY MOVEMENT IN INDONESIA
Get PDFThe School Literacy Movement (SLM) was launched in 2015 by the Indonesian government in response to the concerns of many parties regarding the readiness of the Indonesian young generation to face the challenges of the 21st-century. This paper examined the philosophical foundations of SLM by scrutinizing the School Literacy Movement Master Design published in 2019 as the object of study. This study was a descriptive qualitative study, using the inferential content analysis method. The findings were: (1) the philosophical foundation of SLM that is portrayed in the object of study are essentialism, perennialism, progressivism, existentialism, and critical pedagogy, and (2) the object of the study is strongly influenced by the philosophy of progressivism since the writers of the SLM Master Design were more focused on the effort to prepare the students to face the 21st-century challenges.
Gerakan Literasi Sekolah (GLS) atau The School Literacy Movement (SLM) atau dicanangkan pada tahun 2015 oleh pemerintah Indonesia, sebagai jawaban atas keprihatinan banyak pihak terkait kesiapan generasi muda Indonesia menghadapi tantangan abad 21. Tulisan ini mengkaji landasan filosofis SLM dengan menelaah Desain Induk Gerakan Literasi Sekolah terbitan 2019 sebagai objek kajian. Penelitian ini adalah penelitian deskriptif kualitatif yang menggunakan metode analisis isi inferensial. Temuan penelitian adalah: (1) Landasan filosofis SLM yang tergambar dalam objek kajian adalah esensialisme, perenialisme, progresivisme, eksistensialisme, dan pedagogi kritis; dan (2) Objek kajian sangat dipengaruhi oleh filosofi progresivisme karena penulis Desain Induk SLM lebih fokus pada upaya mempersiapkan siswa untuk menghadapi tantangan abad ke-21
Hambatan Pembelajaran Daring Dalam Membangun Karakter Siswa Sekolah Dasar Di Tengah Pandemi
Get PDFPandemi Covid-19 mengharuskan sekolah melakukan pembelajaran daring di rumah sesuai dengan arahan Mendikbud melalui Surat Edaran No. 4 Tahun 2020. Penelitian ini bertujuan untuk mengetahui hambatan serta bagaimana membangun karakter siswa melalui pembelajaran daring. Penelitian ini menggunakan metode library research dengan teknik pengumpulan data dengan cara studi kepustakaan atau menelusuri sumber yang relevan dengan penelitian. Hasil penelitian ini diharapkan dapat memberikan sumbangsih kepada pemerintah, guru dan orang tua agar memberikan solusi dan perannya dalam pembelajaran daring
SEKOLAH SIAGA BENCANA DESA SAMBONGBANGI KECAMATAN KRADENAN KABUPATEN GROBOGAN
No full textDesa Sambongbangi, Kecamatan Kradenan, Kabupaten Grobogan merupakan dataran rendah dengan ketinggian rata-rata 54 mdpl. Secara geohidrologi masuk dalam rangkaian pegunungan kapur utara. Edapan kapur mendominasi lapisan pada kedalaman ± 50 meter di bawah permukaan tanah. Hal tersebut menyebabkan potensi bencana kekeringan, pergerakan tanah dan kebakaran sangat besar. Sekolah Siaga Bencana (SSB) merupakan upaya membangun kesiapsiagaan sekolah terhadap bencana dalam rangka menggugah kesadaran seluruh unsur dalam bidang pendidikan baik individu maupun kolektif di sekolah dan lingkungan sekolah baik itu sebelum, saat maupun setelah bencana terjadi. Upaya mitigasi bencana dengan sasaran siswa sekolah dasar dengan usia 6-12 tahun diharapkan dapat menjadi prilaku dan karakter siaga bencana. Implementasi sekolah siaga bencana dilakukan dengan cara: 1. Pendampingan Integrasi Kurikulum; 2. Pelatihan guru kelas; 3. Simulasi siswa dan; 4. Pembuatan perangkat kesiapsiagaan bencana berupa buku petunjuk dan tanda evakuasi. Hasil P2M menunjukkan bahwa: 1. Keberdayaan masyarakat (Guru dan Siswa Sekolah Dasar Desa Sambongbangi Kecamatan Karadenan Kabupaten Grobogan masih perlu ditingkatkan; 2. Kemampuan integrasi kurikulum pengurangan resiko bencana; utamanya kebakaran, tanah longsor dan gempa masih perlu ditingkatkan, dan 3. Metode simulasi cocok digunakan dalam integrasi kurikulum Pengurangan Resiko Bencana (PRB)
Risk Based Banking Financial Performance Impact on PSAK 71 Implementation (Study at Bank Mega Tbk.)
Get PDFThis study to examine the effect of PSAK 71 to banking performance based on Bank Mega Tbk. Banking performance component is risk profile, good corporate governance, earnings, and capital. The research data used secondary collected through the documentation method. The data collection used library research.
The results of this study showed that risk profile with NPL ratio and LDR ratio had an impact decrease in the percentage ratio after PSAK 71. Good corporate governance have not an impact after PSAK 71. Earnings with ROA ratio and ROE ratio have not an impact after PSAK 71, but BOPO ratio and NIM ratio had an impact decrease in the percentage ratio after PSAK 71. Capital has not an impact after PSAK 71