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    Online Banking Services and Customer Satisfaction in Nepalese Commercial Banks

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    The advent of online banking has brought significant changes to the banking industry by altering the ways of financial services. This study examines the satisfaction level of customers on online banking services in Nepalese commercial banks. It investigates the evolving scenario of online banking services in Nepal, where traditional brick-and-mortar banking has been progressively complemented and even replaced by digital platforms. The study employs a comprehensive methodology, combining quantitative analysis and customer perception surveys to assess how the adoption of online banking practices influences the satisfaction level of e-banking customers of commercial banks in Nepal. The study is based on quantitative research approach with a structured questionnaire through primary data collection by stratified random sampling. The findings highlight both the positive and negative aspects of this transition, considering factors such as tangibility, reliability, responsiveness, assurance, and empathy. This research contributes to the understanding of how online banking is reshaping customer expectations and experiences within the Nepalese banking sector, offering insights that can guide banks in enhancing their online banking services while maintaining a high standard of service quality. As Nepal navigates its digital transformation journey, the implications of this study are crucial for banks aiming to effectively align their strategies with the evolving preferences of their customers in the field of e-banking

    Orientasi Baru Penilaian Perkembangan Anak dalam Kurikulum Merdeka di RA Al-Ikhlas Konggo: New Orientation for Assessment of Child Development in the Independent Curriculum at RA Al-Ikhlas Konggo

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    This article describes the implementation of the Merdeka Curriculum at RA Al-Ikhlas Konggo, highlighting crucial aspects of assessing children\u27s development. With a focus on developing the character and competence of students at the early childhood education level, this curriculum breakthrough was encouraged by the Minister of Education, Culture, Research and Technology, Nadiem Anwar Makarim. Qualitative research with interviews, observations, and documentation revealed innovative measures, including indicators of structured assessment instruments, teacher skills, parent involvement, teacher development, and school support. RA Al-Ikhlas Konggo prioritizes an inclusive learning environment, creating a holistic approach in assessing children\u27s development. With a comprehensive overview, this article describes the institution\u27s efforts to achieve the goal of a more inclusive and supportive educationArtikel ini menggambarkan implementasi Kurikulum Merdeka di RA Al-Ikhlas Konggo, menyoroti aspek krusial penilaian perkembangan anak. Dengan fokus pada pengembangan karakter dan kompetensi peserta didik di tingkat pendidikan anak usia dini, terobosan kurikulum ini didorong oleh Menteri Pendidikan, Kebudayaan, Riset, dan Teknologi, Nadiem Anwar Makarim. Penelitian kualitatif dengan wawancara, observasi, dan dokumentasi mengungkapkan langkah-langkah inovatif, termasuk indikator instrumen penilaian terstruktur, keterampilan guru, keterlibatan orang tua, perkembangan guru, dan dukungan sekolah. RA Al-Ikhlas Konggo memprioritaskan lingkungan belajar inklusif, menciptakan pendekatan holistik dalam penilaian perkembangan anak. Dengan gambaran komprehensif, artikel ini menggambarkan upaya lembaga dalam mencapai tujuan pendidikan yang lebih inklusif dan mendukun

    Cora’s Racism Analysis as Seen in Whitehead’s The Underground Railroad (2016)

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    Racism is unfair different treatment of people in society. The purpose of this study to describethe form of racism in Cora in The Underground Railroad. Cora’s racism at The Underground Railroad is one of social problem held in the novel. This study used qualitative approach as the method. The data of the study were Cora’s action, utterances, narration, other character action to Cora in The Underground Railroad. The writer collected the data by underlining the sentences reading the novel many times, identifying racism actions, analyzing the data, and concluded the data. Cora’s racism in The Underground Railroad showed how Cora suffered during enslaved by her master even her effort to run away from her master. The writer founds five forms of Cora’s racism were discrimination, prejudice, segregation, stereotypes, and violence. The most of racial practices and many kinds of violence had experienced by Cora for being enslaved by her master

    Philosophical cultural-based of Indonesian Inclusive Education: Meaning and Perception of Teachers’ Candidates

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    This paper investigates the perception of teachers’ candidates on inclusive education and the link to local philosophy of Ki Hajar Dewantara. Utilizing semi-structured interviews with 15 teachers’ candidates participating in an inclusive education course, thematic analysis was conducted to find the pattern of their perceptions related with inclusive education. Two main themes emerged as findings; (1) Inclusive education: what teacher candidates think with sub themes: (a) education without boundaries, (b) flexible curriculum, and (c) placing students with Special Educational Needs (SEN) in the same environment; and (2) Ki Hajar Dewantara (KHD): The local philosophy with sub themes: (a) three principles of KHD, (b) ngerti, ngroso, nglakoni, (c) teachers as role model: the among system. These suggested the importance of preparing teachers’ candidates to have comprehensive and deep knowledge of inclusive education and the connection with local philosophy for supporting inclusive education practices in Indonesian contex

    PENGARUH PEMBUATAN CIRENG MAC’ AND CHEESE SEBAGAI PENGGANTI TEPUNG MOCAF DI TINJAU DARI UJI ORGANOLEPTIK

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    Tepung mocaf (Modified Cassava Flour) adalah sebuah tepung yang dapat di inovasikan sebagai bahan pengganti cireng mac’ and cheese, dalam makanan tersebut. Cireng mac’ and cheese merupakan salah satu produk inovasi yang menggunakan tepung mocaf atau yang disebut dengan gluten free. Perlu perlakuan khusus untuk membuat tepung mocaf dapat dijadikan makanan dikarenakan rasanya yang khas mocaf. Penelitian ini bertujuan: 1) Untuk mengetahui bagaimana cara pembuatan cireng mac’ and cheese dengan pengganti tepung mocaf. 2) Mendeskripsikan pengaruh pengganti tepung mocaf pada pembuatan cireng mac’ and cheese ditinjau dari rasa, warna, tekstur, aroma. Penelitian ini dilakukan untuk menguji olahan cireng dengan menggunakan tepuung mocaf sebagai pengganti dengan menggunakan pendekataan kuantitatif, pengumpulan data dengan eksperimen dan uji organoleptic, analisis data dengan uji Anova satu arah, Hasil Analisis ini 1)untuk menguji adakah tepung mocaf dengan empat perlakuan terhadap uji organoleptik yang meliputi rasa, aroma sesuai proporsi tertentu 2) 30 panelis pada tingkat kesukaan memilih X3 sebagai nilai tertinggi. Observasi digunakan dengan kuisoner tertutup yang dibagikan kepada 30 panelis. Penelitian menunjukkan bahwa perlakuan tepung mocaf (Modified Cassava Flour) sebagai pengganti berpengaruh terhadap perubahan ke empat perlakuan uji organoleptik yaitu aroma, rasa, warna, dan tekstur cireng mac’ and chees

    PENGARUH PENGGUNAAN DRESS PUTIH YANG DI UPCYCLE MENGGUNAKAN TEKNIK PAYET

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    Tujuan penelitian ini adalah 1) memperpanjang siklus hidup pakaian dengan memberikan nilai tambah melalui modifikasi kreatif, 2) mengetahui penggunaan teknik payet dalam mengubah pakaian lama, 3) mengetahui pengaruh penggunaan dress putih yang di upcycle dengan teknik payet terhadap hasil jadi pakaian thrifting. Metode penelitian ini adalah kuantitatif, Regresi Linear Sederhana Data dianalisis menggunakan SPSS dengan sampel sebanyak 51 mahasiswa tata busana angkatan 2020, 2021, 2022, dan 2023 dari Universitas PGRI Adi Buana Surabaya. Pengumpulan data dilakukan melalui kuesioner dan dokumentasi. Analisis data penelitian menggunakan data variabel X, data variabel Y, Grafik, dan Hasil Signifikan antara X dan Y. Berdasarkan hasil penelitian menunjukkan bahwa penerapan teknik payet pada dress putih thrifting berhasil memberikan tampilan menarik dan teknik yang efektif didapatkan hasil nilai signifikasi 0,461 > 0.05 Ini menunjukkan adanya pengaruh dalam konsep upcycle pada pakaian lama atau dress thrifting putih. Penelitian ini diharapkan dapat menjadi sumber pembelajaran bagi program studi tata busana dan mahasiswa dalam mata kuliah tekstil modifikasi, serta memberikan manfaat bagi industri garmen. memberikan petunujk bagi pelaku fashion thrifting untuk meningkatkan daya tarik produk pakaian thrifting, bagi para konsumen penelitian dilakukan agar memberikan kontribusi terhadap peningkatan upcycle pakaian lama menggunakan teknik payet dengan menjadikan pakaian lama menjadi menarik dengan adanya kilauan payet

    HASIL PEMBUATAN ROK A DARI KAIN PERCA MENGGUNAKAN TEKNIK ANYAMAN

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    Tujuan penelitian ini adalah 1) Mendeskripsikan proses teknik anyaman dari kain perca yang akan digunakan untuk pembuatan rok A, 2) mengukur pengaruh hasil jadi produk rok A dengan teknik anyaman dari kain perca. Metode penelitian ini adalah kuantitatif, Regresi Linear Sederhana menggunakan SPSS dengan sampel sebanyak 64 mahasiswa tata busana angkatan 2020, 2021,2022 Universitas PGRI Adi Buana Surabaya. Metode pengumpulan data melalui angket dan dokumentasi. Analisis data penelitianmenggunakan data variabel X, data variabel Y, Grafik, dan Hasil Signifikan antara X dan Y. Berdasarkan hasil penelitian menunjukkan bahwa teknik anyaman dari kain perca ini berhasil dan dapat diaplikasikan secara efektif dalam pembuatan rok A, Proses Anyaman yang dilakukan juga terbukti meningkatkan desain yang lebih menarik pada rok dan juga teknik yang efektif terhadap uji Regresi Linear Sederhana didapatkan hasil nilai signifikan 0,591>0,05 yang berarti ada pengaruh dalam konsep kain perca sebagai pembuatan rok A dengan menggunakan teknik anyaman. Penelitian ini diharapkan bisa memberikan manfaat diantaranya: 1) mengetahui proses teknik anyaman dari kain perca yang dapat digunakan untuk pembuatan rok A dalam beretika berbusana. 2) Mengetahui pengaruh hasil jadi produk rok A dengan teknik anyaman dari kain perca

    TRADISI NAIK DANGO SUKU DAYAK KANAYATN SEBAGAI MANIFESTASI CHIFFER TRANSENDENSI: SEBUAH KAJIAN METAFISIKA KARL JASPERS

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    The Naik Dango tradition of the Dayak Kanayatn Tribe is a religious practice that is rich in meaning and profound about human life. Dayak Kanayatn people involve themselves in the Naik Dango ceremony as a form of respect for ancestral spirits and spiritual connection with God, nature and humans. This research focuses on critically examining the Naik Dango tradition by adopting the concept of Chiffer Transcendence from philosopher Karl Jaspers. This research uses a qualitative method with Karl Jaspers\u27 metaphysical approach to analyze the transcendental experience contained in the practice of Naik Dango. Jaspers\u27 concept of Chiffer Transcendence is used as a theoretical framework to understand the spiritual and transcendental dimensions of this tradition. Through this research, it is revealed that Naik Dango is not only a religious ritual, but also a manifestation of human efforts to achieve a higher existential understanding. The study outlines how elements in the Naik Dango tradition, such as dance, music, and ritual symbols, can be interpreted as Chiffers that represent transcendental reality. In addition, this research tries to explore how participation in this tradition can help individuals feel connected to something bigger than themselves, in line with Jaspers\u27 concept of transcendence. The researcher found that the Naik Dango tradition is a language or interpretation of the Dayak Kanayatn tribe to be able to deal directly with Jubata. The Naik Dango tradition is also a manifestation of chiffer transcendence that brings people to a higher understanding of existence towards Jubata

    MENJELAJAHI WARISAN KULINER BETAWI: SEKILAS MASAKAN TRADISIONAL GABUS PUCUNG

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    The Betawi tribe is a native tribe of Jakarta. The Betawi tribe is experiencing a process of cultural assimilation from domestic and foreign immigrants. Betawi is famous for its various customs and culture. Food and drink are one component of community customs which are part of culture. This research aims to determine the existence of gabus pucung, the meaning of gabus pucung in Betawi culture, and how efforts can be made to preserve gabus pucung. The research method used in this research is qualitative using literature study methods, distributing questionnaires, and interviews with several sources. Questionnaires were distributed to 300 Jakarta residents and 90 Betawi people. The results of this research are that snakehead fish is very rare, this is because it is difficult to get snakehead fish, which is the main ingredient and very few restaurants offer this food. Gabus Pucung has meaning in the Mengkeng ceremony and the Nyorok tradition which continues today. Even though conservation efforts have been stated in the 2014 Ministerial Regulation, the government has not implemented them consistently. Conservation efforts carried out by the government can be carried out in various forms, starting with addressing the root of the problem, namely the scarcity of snakehead fish, which is important in preparing Gabus Pucung. In addition to devising solutions to ensure a sustainable supply of this essential ingredient, governments can also spearhead outreach programs, hold seminars, and organize culinary exhibitions and competition

    Analisis Pemetaan Daya Dukung Dan Daya Tampung Lingkungan Penyedia Air dan Pangan Berbasis Jasa Lingkungan

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    Ngawi Regency Regional Regulation Number 10 of 2011 concerning Ngawi Regency Spatial Planning for 2010-2030, Widodaren District is directed to become a Local Activity Center (PKL). As time goes by population growth and rapid development in Widodaren District without adjusting the carrying capacity and capacity of water and food providers has an impact that exceeds environmental capacity. This research aims to determine the physical and non-physical characteristics of the area in Widodaren District, the carrying capacity and capacity of water and food providers, and directions for its development. The research method uses quantitative analysis with carrying capacity and capacity analysis techniques, as well as content analysis using Nvivo software. Data collection methods include field observations, documentation and surveys of related agencies. The results of the Carrying Capacity analysis using the environmental services approach for the water and food supply sector show the highest results, namely areas with high - very high class food provision environmental services have an area of ​​+ 5,233.3 Ha or 46.6% of the total area of ​​Widodaren District, for water providers areas with high – very high class environmental services have an area of ​​8,683.4 Ha or 77.3% of the total area of ​​Widodaren District, which means that the agricultural, industrial, energy, raw water supply sectors for urban, rural areas, and so on can be supported its development. Meanwhile, the direction for developing food providers that can be carried out is thePeraturan Daerah Kabupaten Ngawi Nomor 10 Tahun 2011 tentang Rencana Tata Ruang Wilayah Kabupaten Ngawi Tahun 2010-2030, Kecamatan Widodaren diarahkan menjadi Pusat Kegiatan Lokal (PKL). Seiring berjalannya waktu pertumbuhan penduduk dan pesatnya pembangunan di Kecamatan Widodaren tanpa di sesuaikan daya dukung dan daya tampung penyedia air dan pangan berdampak melebihi kapasitas lingkungan. Penelitian ini bertujuan untuk mengetahui karakteristik fisik dan non fisik kawasan di Kecamatan Widodaren, daya dukung dan daya tampung penyedia air dan pangan, dan arahan pengembangannya. Metode penelitian menggunakan analisis kuantitatif dengan teknik analisis daya dukung dan daya tampung, serta analisis konten menggunakan software Nvivo. Metode pengumpulan data berupa observasi lapangan, dokumentasi, dan survei instansi terkait. Hasil analisis Daya dukung dengan pendekatan jasa lingkungan untuk sektor penyedia air dan pangan menujukkan hasil tertinggi yaitu wilayah dengan jasa lingkungan penyediaan pangan kelas tinggi – sangat tinggi memiliki luas + 5.233,3 Ha atau 46,6% dari luas keseluruhan Kecamatan Widodaren, untuk penyedia air wilayah dengan jasa lingkungan kelas tinggi – sangat tinggi memiliki luasan sebesar 8.683,4 Ha atau 77,3% dari luas keseluruhan Kecamatan Widodaren, yang artinya sektor-sektor pertanian, industri, energi, penyediaan air baku untuk kawasan perkotaan, perdesaan, dan sebagainya dapat ditunjang perkembangannya. Sedangkan arahan pengembangan penyedia pangan yang dapat dilakukan adalah dengan pemeliharaan dan rehabilitasi kontruksi jaringan irigasi. Sedangkan untuk penyedia air dengan melakukan pengadaan dan peningkatan jaringan perpipaan PDAM, optimalisasi pelayanan HIPPAM dan PAMSIMA

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