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Pengaruh Literasi Keuangan Yang Di Mediasi Oleh Perilaku Keuangan, Dan Kontribusi Pembiayaan Usaha Terhadap Kinerja Umkm (Studi Pada Sektor Kuliner Di Kota Bandar Lampung): Studi Pada Sektor Kuliner di Kota Bandar Lampung
No full textPenelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan yang dimediasi oleh perilaku keuangan, dan kontribusi pembiayaan usaha terhadap kinerja UMKM sektor kuliner di Kota Bandar Lampung. Jenis penelitian ini merupakan penelitian eksplanatori dengan pendekatan kuantitatif. Pengumpulan data dilakukan melalui penyebaran kuesioner secara offline. Populasi dalam penelitian ini adalah seluruh UMKM sektor kuliner di Kota Bandar Lampung dengan sampel yang dipilih menggunakan teknik purposive sampling. Jumlah sampel penelitian yang digunakan yakni sebanyak 100 UMKM. Dianalisis menggunakan alat pengolah data SmartPLS (Partial Least Square) dengan metode analisis SEM (Structural Equation Modeling). Hasil penelitian ini menunjukkan bahwa Literasi Keuangan, Perilaku Keuangan, dan Kontribusi Pembiayaan Usaha berpengaruh positif dan signifikan terhadap Kinerja UMKM, hal tersebut bermanfaat bagi pelaku UMKM diantaranya para pelaku usaha mengetahui manfaat dalam pengelolaan keuangan yang baik dan mampu mencatat seluruh transaksi keuangannya, selain itu dapat membantu pelaku UMKM untuk merencanakan serta mengatur keuangan yang dimiliki dengan lebih baik sesuai keadaan keuangan dan tujuan yang akan dicapai oleh UMKM, serta penting bagi kegiatan operasional usaha terutama bagi UMKM yang memiliki keterbatasan modal, dengan adanya fasilitas pembiayaan usaha dapat menjadi solusi untuk mendukung kapasitas dan produktifitas suatu usaha.
Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan yang dimediasi oleh perilaku keuangan, dan kontribusi pembiayaan usaha terhadap kinerja UMKM sektor kuliner di Kota Bandar Lampung. Jenis penelitian ini merupakan penelitian eksplanatori dengan pendekatan kuantitatif. Pengumpulan data dilakukan melalui penyebaran kuesioner secara offline. Populasi dalam penelitian ini adalah seluruh UMKM sektor kuliner di Kota Bandar Lampung dengan sampel yang dipilih menggunakan teknik purposive sampling. Jumlah sampel penelitian yang digunakan yakni sebanyak 100 UMKM. Dianalisis menggunakan alat pengolah data SmartPLS (Partial Least Square) dengan metode analisis SEM (Structural Equation Modeling). Penelitian ini menunjukkan hasil sebagai berikut: pertama, literasi keuangan berpengaruh signifikan terhadap kinerja UMKM. Kedua, perilaku keuangan berpengaruh signifikan terhadap kinerja UMKM. Ketiga, literasi keuangan yang dimediasi oleh perilaku keuangan berpengaruh signifikan terhadap kinerja UMKM. Keempat, pembiayaan usaha berpengaruh signifikan terhadap kinerja UMKM.
Kata Kunci: Literasi Keuangan, Pembiayaan Usaha, Perilaku Keuangan, UMKM
THE MERIT SYSTEM ON THE ACT NO. 20 OF 2023 ABOUT THE STATE'S CIVIL APPARATUS AND PUBLIC SERVICES
No full textEfforts to create a good government system are correlated with the government system built in government to achieve government goals through good employee management. Law no. 20 of 2023 concerning State Civil Apparatus. The main aim of having a merit system in positions is an effort to create a good service system for society. Therefore, the essence of Law no. 20 of 2023 in order to accelerate the implementation of the transformation of the state civil apparatus to create a state civil apparatus with high work results and behavior that is service-oriented, accountable, competent, harmonious, loyal, adaptive and collaborative, it is necessary to improve the implementation of the management of the state civil apparatus. This research uses a legal approach by analyzing the legal policy of an employee merit system in order to improve public services.
Keywords: Merit System, Legal Policy, Public Servic
SOSIALISASI PENGEMBANGAN AKHLAKUL KARIMAH DAN BUDI PEKERTI UNTUK MENINGKATKAN TAKWA DI JUM’AT DZIKIR
No full textUntuk mendapatkan nilai-nilai keagamaan tersebut juga dapat melalui Jum’at Dzikir yang biasanya dilaksanakan oleh setiap beberapa sekolah, universitas, dan kelembagaan keagamaan setiap wilayah. Sehingga karakter akhlakul karimah dan budi pekerti dapat terbentuk melalui pengajaran dan dakwah inovatif untuk membangun sikap baik kepada mahluk ciptaan Allah dan tercipta ppeserta didik yang cinta dan senang dengan Al-Qur’an. Metode yang dilakukan adalah metode yang dilakukan dengan studi pustaka untuk mengumpulkan data-data penelitian terdahulu. Sehingga sosialisasi diperlukan untuk membantu mengembangkan akhlakul karimah peserta didik. Budi pekerti juga dapat menentukan peserta didik baik atau buruk.  
PENERAPAN RESTORATIVE JUSTICE DALAM PENYELESAIAN TINDAK PIDANA JUVENILE DELINQUENCY DI KOTA TANGERANG
Get PDFRestorative justice is the concept of resolving a criminal case carried out in a non-litigation manner. The resolution can take the form of deliberation involving the victim, perpetrator, family of the victim and perpetrator, the investigation team, the community and other parties involved in a criminal act that occurred to reach an agreement and resolution. However, in reality, in the Tangerang City area, the application of restorative justice is still little used by the community. Based on the problems that occur, the research method is carried out through research specifications that are descriptive analysis, with a normative juridical approach method by applying existing laws and regulations. It can be concluded that the implementation of restorative justice/diversion in resolving children's cases in conflict with the law is a form of solution for resolving children's cases through deliberation involving the parties concerned to recover the losses that have been caused through sanctions in the form of compensation.Restorative justice is the concept of settling a criminal case in a non-litigation manner. The resolution can be in the form of deliberations involving victims, perpetrators, families of victims and perpetrators, the investigation team, the community and other parties involved in a criminal act that occurred to reach an agreement and settlement. However, in reality in the Tangerang City area the application of restorative justice is still little used by the community. In imposing sanctions on children who are in conflict with the law, it is still found that the application of prison sanctions to children as perpetrators of crimes is still found. Children are the nation's future assets and the nation's next generation, so children have the right to survival and obtain legal protection. At present juvenile delinquency has entered into criminal behavior committed by children, thus making children face the law. With the existence of cases of juvenile delinquency (juvenile delinquency) that occur in society, then the settlement of cases can be done with a restorative justice approach. This should have been done so that the psychology of children who are dealing with the law is not disturbed. Based on the problems that occur, the research method is carried out through research specifications that are descriptive analysis in nature, namely describing existing problems with a normative juridical approach by applying existing laws and regulations. Restorative justice is commonly used in juvenile cases where the judicial process is regulated in Law Number 11 of 2012 concerning the Juvenile Criminal Justice System. It can be concluded that the implementation of restorative justice/diversion in resolving cases of children in conflict with the law is a form of solution for resolving child cases through deliberations involving the parties concerned in order to recover losses that have been caused through sanctions in the form of compensation
Analisis Budaya Sekolah Berbasis Hak Asasi Manusia Melalui Hubungan Kelas: Tinjauan Pustaka Bab Buku Charlotte Carter dan Audrey Osler
No full textHuman rights represent the cornerstone of a just and inclusive society, ensuring that every individual is afforded dignity and respect. However, the realization of these rights often faces challenges due to differing perspectives, ethnicities, races, religions, and cultures within communities. Consequently, it becomes imperative to instill a strong emphasis on human rights within society, particularly within educational institutions. In addressing these challenges, schools play a pivotal role in promoting democratic values and multicultural understanding among students. Yet, merely claiming to uphold democratic principles without ensuring the rights and responsibilities of all students undermines the essence of true democracy. Research, such as the systematic literature review conducted by Charlotte Carter and Audrey Osler on human rights, identity, and conflict management in school cultures, underscores the necessity of integrating human rights principles into the fabric of school culture. Key aspects essential for the implementation of human rights in schools include democratic practices that ensure equal access and active participation for all, fostering inclusivity where diversity is not just acknowledged but celebrated, and establishing transparent school structures that are accountable to their stakeholders. These fundamental changes in school culture are imperative to create an environment where every individual feels valued and respected, ultimately contributing to a more harmonious and equitable societyHak asasi manusia merupakan landasan bagi masyarakat yang adil dan inklusif, yang memastikan bahwa setiap individu memiliki martabat dan rasa hormat. Namun, realisasi hak-hak ini sering kali menghadapi tantangan karena perbedaan perspektif, etnis, ras, agama, dan budaya dalam masyarakat. Oleh karena itu, menjadi penting untuk menanamkan penekanan yang kuat pada hak asasi manusia di dalam masyarakat, terutama di dalam lembaga pendidikan. Dalam menghadapi tantangan-tantangan ini, sekolah memainkan peran penting dalam mempromosikan nilai-nilai demokrasi dan pemahaman multikultural di antara para siswa. Namun, hanya dengan mengklaim bahwa mereka menjunjung tinggi prinsip-prinsip demokrasi tanpa memastikan hak dan tanggung jawab semua siswa, justru akan merusak esensi demokrasi yang sesungguhnya. Penelitian, seperti tinjauan literatur sistematis yang dilakukan oleh Charlotte Carter dan Audrey Osler tentang hak asasi manusia, identitas, dan manajemen konflik dalam budaya sekolah, menggarisbawahi pentingnya mengintegrasikan prinsip-prinsip hak asasi manusia ke dalam tatanan budaya sekolah. Aspek-aspek kunci yang penting untuk implementasi hak asasi manusia di sekolah meliputi praktik-praktik demokrasi yang menjamin akses yang sama dan partisipasi aktif untuk semua, mendorong inklusivitas di mana keragaman tidak hanya diakui tetapi juga dirayakan, dan membangun struktur sekolah yang transparan dan bertanggung jawab kepada para pemangku kepentingan. Perubahan mendasar dalam budaya sekolah ini sangat penting untuk menciptakan lingkungan di mana setiap individu merasa dihargai dan dihormati, yang pada akhirnya berkontribusi pada masyarakat yang lebih harmonis dan adil
THE IMPLEMENTATION PICTURE AND PICTURE STRATEGY TO INCREASE STUDENTS' ABILITY IN VOCABULARY AT MAN 3 MEDAN
Get PDFThis research was intended to find out the empirical evidence of students’ ability in vocabulary by using picture and picture strategy in class X of Man 3 Medan. The method used in this research was Classroom Action Research (CAR) method in which to identify and to solve the problem on the students’ ability in vocabulary. The result of the data analyzing showed that there was an increasing on the students’ ability in vocabulary through picture and picture strategy. It was showed from the mean of pre – test was 31,62. After picture and picture strategy was applied in the first cycle there was an increase of the students’ mean score which was 53,22 and for the second cycle after reflection on the first cycle, there was an increase of students mean score which 92,25. Moreover, post – test I session which was 19,35% (6 students) who got point of 70. In post – test II for the second cycle which was 90,32 % (28 students) who got the point of over 70. It was found that the teaching vocabulary by picture and picture strategy could increase the students’ ability in vocabulary
The Effect of Peer-Editing Technique by Using Google Docs to Enhance Students’ Academic Writing Skills at 1st Semester of English Department Faculty of Teacher Training and Education of Islamic University of Syekh Yusuf
Get PDFAbstract
The purpose of this study was to determine if the use of peer editing technique by using Google Docs is effective in teaching writing to the 1st semester of Faculty of English Department of Islam University Syekh-Yusuf and the objective was to know the achievement during teaching learning process by using this technique. This study was conducted by using true experiment with one group pre-test and post-test, include 65 students in the academic year 2019/2020. The sample of the research were 35 students, the writer used simple random sampling to determine the sample. Based on the result of this research, the average score for the pre-test was 55.69 and 71.40 for the post-test. It means that peer editing technique by using Google-Docs can increase students’ achievement in writing descriptive essay. Based on the result, the writer concludes that teaching English writing with peer editing technique by using Google Docs is effective
Students' Attitude Toward the Use of Google Classroom in Writing Activity
Get PDFThe purpose of this research was to know the students' attitudes toward the use of google classroom in a writing activity. This research used mixed-method research. The researcher chose class XI MIPA 4 of senior high school 1 Samaturu, Kolaka. The instruments of this research were questionnaires and interviews. The result of this research revealed that the students' attitudes were generally positive toward the use of google classroom in a writing activity. It is supported by the data obtained based on the three aspects of attitude. Cognitive (60%), affective (77,3%), and behavioral (77,3%) aspects of attitude were positive. The researcher also found there are two factors that hinder the students in writing descriptive texts assigned through google classroom, they are: poor internet connection and being lazy. While the supporting factors are four, they are: the display and the feature of google classroom, good internet connection, google classroom is flexible, and a study partner. In addition, there are three strategies used by the students in writing descriptive text, they are planning, drafting, and editing. Further, in writing descriptive text assignments, there are two challenges founded by the students assigned through google classroom, they are deadline and vocabulary
The Effect of Peer Assisted Learning Strategies (PALS) Toward Students' Reading Comprehension
Get PDFThe study's purpose was to clarify how the peer-assisted learning method (PALS) affected students' reading comprehension in order to increase their engagement in text discussion and increase their motivation to read. The result showe that s Students' knowledge of daily life and the environment was increased. The 253 students in the entire 10th grade courses at SMAN 14 Kota Tangerang made up the study's sample population. Then, using random sampling, 72 students were chosen as the research's sample. Peer Assisted Learning Strategy (PALS) as a variable X and short answer test students' reading comprehension as a variable Y were used to collect the data. Pre- and post-test data were collected. While the control class scored 28.64 with a minimum of 7 and a maximum of 47, the experimental class's PALS score was 38.44, with a minimum of 10 and a maximum of 57. The results of the Mann-Whitney U Test's calculation of the null hypothesis can be seen; the value in the control class was lower than the t-table with a value of 0.0650.05, while the value in the experiment class was higher with a value of 0.109>0.05. Given that Ha was approved and Ho was refused, it can be said that the Peer Assisted Learning Strategy (PALS) has a considerable impact on students' reading comprehension in the 10th grade of SMAN 14 Kota Tangerang
Prediksi Kelancaran Nasabah Terhadap Pembayaran Angsuran Pinjaman Dengan Menggunakan Metode Algoritma Klasifikasi C4.5
No full textPinjaman adalah salah satu kegiatan terpenting lembaga keuangan. Masalah yang umum terjadi di lembaga keuangan adalah banyak nasabah yang kesulitan membayar cicilan, sehingga perusahaan berpotensi mengalami kerugian. Masalah ini diselesaikan dengan teknik data mining., yaitu menggunakan algoritma C4.5 untuk memprediksi kelancaran nasabah pembayaran terhadap angsuran. Tetapi, Data yang tidak seimbang merupakan tantangan bagi kinerja algoritma C4.5. Keadaan dimana model hanya mampu memprediksi kelas mayoritas. Akibatnya model C4.5 cenderung mengenali data minoritas sebagai data mayoritas. Masalah ini akan diselesaikan dengan metode penyeimbangan data Random Oversampling. Hasil dari penelitian ini mengungkapkan bahwa dengan hanya metode algoritma C4.5 menunjukkan akurasi sebesar 0.88 namun hanya memprediksi kelas mayoritas, Sedangkan penerapan Random Oversampling terbukti algoritma C4.5 berhasil mengenali distribusi kedua kelas dengan akurasi sebesar 0.79 dalam memprediksi kelancaran nasabah dalam membayar angsuran.Pinjaman adalah salah satu kegiatan terpenting lembaga keuangan. Masalah yang umum terjadi di lembaga keuangan adalah banyak nasabah yang kesulitan membayar cicilan, sehingga perusahaan berpotensi mengalami kerugian. Masalah ini diselesaikan dengan teknik data mining., yaitu menggunakan algoritma C4.5 untuk memprediksi kelancaran nasabah pembayaran terhadap angsuran. Tetapi, Data yang tidak seimbang merupakan tantangan bagi kinerja algoritma C4.5. Keadaan dimana model hanya mampu memprediksi kelas mayoritas. Akibatnya model C4.5 cenderung mengenali data minoritas sebagai data mayoritas. Masalah ini akan diselesaikan dengan metode penyeimbangan data Random Oversampling. Hasil dari penelitian ini mengungkapkan bahwa dengan hanya metode algoritma C4.5 menunjukkan akurasi sebesar 0.88 namun hanya memprediksi kelas mayoritas, Sedangkan penerapan Random Oversampling terbukti algoritma C4.5 berhasil mengenali distribusi kedua kelas dengan akurasi sebesar 0.79 dalam memprediksi kelancaran nasabah dalam membayar angsuran