USU-IR Repositori Institusi Universitas Sumatera Utara
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Factors Influencing the Decision to Grant Credit By Banks to Debtors at PT. Bank BNI KC USU
No full textThis study aims to identify and analyze the factors influencing the decision
to grant credit by PT. Bank BNI KC Universitas Sumatera Utara to debtors.
Using qualitative methods, this research involves direct observation, interviews
with bank staff, and documentation studies.
The results indicate that the 5C principles (Character, Capacity, Capital,
Collateral, and Condition) are the main factors in credit analysis. The character
of the debtor, which includes reputation and credit history, as well as financial
capacity, are important considerations in the credit decision-making process.
Additionally, external factors such as economic conditions also impact the bank's
decisions.
This study concludes that to improve the quality of credit analysis, the
bank needs to implement systematic and transparent procedures. It is hoped that
the findings of this research can contribute to PT. Bank BNI KC USU in
managing credit risk and assist debtors in understanding the requirements
necessary to obtain credit.44 PagesKertas Karya Diplom
Development of an Early Warning System Based on Temperature Threshold to Detect Land Fires in Ool Palm Plantations
No full textFire is one of the serious problems, which often occurs in oil palm
plantation areas, especially in tropical areas such as Indonesia. In addition to
causing great economic losses for plantations, land fires also have a major impact
on the environment such as air pollution, loss of biodiversity and public health
problems due to haze. Therefore, effective efforts are needed to minimize the risk of
fire, one of which is through an early warning system. The development of an early
warning system based on temperature thresholds aims to quickly and accurately
detect potential fires before they spread. This system can be integrated with a
geographic information system ( SIG ), sensor Internet of Things (IoT). From the
results of monitoring or observation, a climate information system and also a
threshold-based early warning system can be designed and distributed to users.
One of the sensors that is very sensitive to smoke is the MQ-2 sensor, this sensor is
able to detect gas from combustion, so that smoke in the air from the combustion
can be carried as an analog voltage. The Infra Red sensor on the Flame Sensor
module can read wavelengths with a wavelength range of 760 nm-1100 nm. This
sensor has the characteristics of high output voltage when there is no fire and low
output when there is fire with a low wavelength. This sensor can detect infrared
waves emitted by fire, so the sensor can be used as a fire detector.48 PagesKertas Karya Diplom
The Effect of Serum Magnesium and Calcium Levels on the Severity of Acute Ischemic Stroke in Patients Hospitalized for Less Than 7 Days at Adam Malik Hospital, Medan
No full textObjective: This study aims to evaluate the effect of serum magnesium and calcium levels on the severity of acute ischemic stroke in patients hospitalized for less than 7 days at the Stroke Unit of Adam Malik General Hospital, Medan.
Methods: This study was an analytical research with a cross-sectional design, which involved measuring multiple variables at a single point in time. Data were collected from patients admitted to the Stroke Unit of Adam Malik General Hospital, Medan. Sampling was conducted consecutively for all patients who met the inclusion criteria. The data were analyzed using the Shapiro-Wilk test to assess the normality of the distribution.
Results: From a total of 50 study participants, the majority (54%) were male. The average age of the subjects was 58.42 years, with an age range of 29 to 80 years. Most patients had a high school education (42%). The mean NIHSS (National Institutes of Health Stroke Scale) score was 7.58, indicating a moderate level of stroke severity, with NIHSS scores ranging from 5 to 19. The average serum magnesium and calcium levels in patients with acute ischemic stroke were within normal limits, recorded at 2.01 mg/dL and 9.25 mg/dL, respectively.
Conclusion: There was no significant association between serum magnesium and calcium levels and the severity of acute ischemic stroke based on NIHSS scores, with p-values of 0.499 and 0.504, respectively.115 PagesTesis Magiste
Image Watermarking Using Sobel-Canny Algorithm and Discrete Wavelet Transform Algorithm to Protect Digital Photo Content on Instagram Platform
No full textIn the digital era, cases of photo content theft and copyright infringement particularly on platforms like Instagram are becoming more frequent. To mitigate this issue, a Steganography approach using the Image Watermarking technique is employed to embed ownership or copyright labels into digital images. This study utilizes the Discrete Wavelet Transform (DWT) algorithm for the embedding process and the Sobel-Canny algorithm for the extraction process. The system is developed using the Python programming language and supports *.jpeg/jpg image formats to perform mathematical operations required for embedding and extraction.Testing was carried out on five image files with varying sizes. The results indicate that larger image sizes and longer processing times result in increased complexity and larger output file sizes. Evaluation was performed using Mean Squared Error (MSE) to measure image distortion and Peak Signal to Noise Ratio (PSNR) to assess visual quality. The best results showed an Mean Squared Error (MSE) of 0.80 and Peak Signal to Noise Ratio (PSNR) of 49.07 dB, confirming that the watermark is imperceptible to the human eye and does not significantly affect image quality.Further testing under Crop and Rotate attacks revealed that the watermark becomes unreadable, suggesting the system is not resistant to major image alterations. However, when subjected to minor modifications, the watermark remained detectable, indicating a degree of robustness against light image processing.59 PagesSkripsi Sarjan
Growth and Production Response of Two Varieties of Shallotsto the Application of Liquid Organic Fertilizer from Black Soldier Flies
No full textThis study aims to determine the effect of giving organic liquid fertilizer on the growth and production of two varieties of shallots. This research was conducted on the land of the Tuber Study Center, Faculty of Agriculture, USU, Medan, North Sumatra with an altitude of ± 32 meters above sea level in October to December 2024. This study used a Randomized Block Design (RBD) with 2 factors with 3 replications. Factor I: Shallots Variety (V) with 2 types of Shallots, namely Batu Ijo variety and Bima Brebes variety, Factor II: liquid organic fertilizer from black soldier flies with 4 levels, namely: Without liquid organic fertilizer from black soldier flies (Control); 20 ml/poly bag of liquid organic fertilizer from black soldier flies; 40 ml/poly bag of liquid organic fertilizer from black soldier Flies; 60 ml/poly bag of liquid organic fertilizer from black soldier flies. There were 8 treatment combinations with three replications which resulted in 96 samples. The parameters measured were: plant height, number of leaves, tuber diameter, number of tubers, tuber fresh weight, and crown fresh weight. In the treatment of two varieties of red root crops, there is a significant effect on the observed parameters of the number of tubers. The application of liquid organic fertilizer from black soldier flies has a significant effect on the observed variables of plant height, number of leaves, number of tubers, fresh weight of tubers, crown fresh weight, dry weight of tubers. There is no interaction between the concentration of liquid organic fertilizer from black soldier flies and the production of two varieties of Shallots plants.74 PagesSkripsi Sarjan
Analysis of Key Success Factors in the Implementation of Business Process Re-Engineering (BPR) in Private Universities
No full textUniversities are based on the suitability of implementation between the organization of tridharma activities and other adcovates with quality standards that have been established by universities. University Muhammadiyah of North Sumatera (UMSU) has set 8 quality standards in the field of education based on the attainment of the Main Performance Indicator (IKU) standarsd which are implemented and operationalized in the form of a Strategy Performance Index (IKS), but the achievement of quality standards for content and learning management has not reached the predetermined target. The purpose of this research is to analyze, evaluate and redesign the impact of key success factors with application of Business Process Re-Engineering (BPR) in Universities using DEMATEL-ANP and AHP methods. This research uses 3 factors with 11 sub factors that have been validated by I-CVI method. The results of the analysis using DEMATEL-ANP method were the selection of the top management support factor (A) is 0,0402, and the resource allocation sub factor (A2) is 0,0111. While the AHP method are the technological competence factor (C) is 0,4602 and the strategic leadership sub factor (A4) is 0,1688. Based on the calculation of DEMATEL-ANP and AHP methods, the DEMATEL-ANP method was chosen because it can show how factors and subfactors affect each other so that the analysis results become more realistic.172 PagesSkripsi Sarjan
Analysis of Students' Trust Levels in SeaBank as an Alternative to Digital Banks: A Study Case of Student D3 Finance
No full textThe rapid development of technology has encouraged the presence of digital banks
as a practical financial service solution. SeaBank, as one of the digital banks in
Indonesia, attracts the attention of young people, especially students. This study
aims to analyze the level of trust of D3 Finance students at the University of North
Sumatra towards SeaBank and identify the factors that affect it, namely competence,
integrity, consistency, and transparency. This study uses a quantitative method with
a total sample of 58 students obtained data collected using an online questionnaire.
The analysis was carried out through validity, reliability, multiple linear regression,
and cluster analysis (K-Means). The results showed that the four factors
simultaneously had a significant effect on the level of student trust in SeaBank
(significance value < 0.05). Most respondents were in clusters with a high level of
trust, influenced by the ease of application, information disclosure, and institutional
reputation. In conclusion, SeaBank has succeeded in building trust among D3
Finance students.88 PagesKertas Karya Diplom
Legal Protection Against the Misuse of Personal Data of Insurance Policyholder Customers in the Digital Era Based on Law Number 27 of 2022 on Personal Data Protection and Law Number 4 Of 2023 on the Development and Strengthening of the Financial Sector
No full textThe rapid advancement of digital technology has had a major impact, especially in the insurance industry. Technological developments have allowed for challenges in terms of personal data protection, which is a right that must be protected to prevent misuse that can harm customers. Through the research and writing of this thesis, several legal questions will be raised related to the legal protection mechanisms of personal data in the insurance sector, legal remedies and protection of policyholder customers against the misuse of personal data, as well as the implementation of Law Number 4 of 2023 on the Development and Strengthening of the Financial Sector in protecting the personal data of policyholder customers.
The method used in the research and writing of this thesis is a normative legal research method. The data used consisted of primary, secondary, and tertiary legal materials collected using literature study techniques and analyzed by qualitative data analysis methods.
This study concludes that the protection of personal data in the insurance sector has been well regulated through Law Number 27 of 2022 on Personal Data Protection and Law Number 4 of 2023 on the Development and Strengthening of the Financial Sector, which strengthens the supervisory authority by the Financial Service Authority. In addition, more efforts are needed in the form of improving cybersecurity infrastructure, stricter supervision, and education to customers. Synergy between the government, regulators, and insurance companies is essential to create a safer and more reliable ecosystem, so that it can increase customer trust in the insurance sector.117 PagesSkripsi Sarjan
Isolation and Identification of Flavonoid Compounds from Key Lime Leaves (Citrus aurantiifolia (Christm.)Swingle)
No full textIsolation and identification of flavonoid compounds from Lime Leaves (Citrus aurantiifolia (Christm.)Swingle) has been carried out through the maceration extraction stage with methanol solvent. The methanol extract dissolved with ethyl acetate was separated and concentrated. The concentrated extract of ethyl acetate was dissolved with methanol and partition extracted with n-hexane. The methanol layer is then evaporated until all the methanol has evaporated. The concentrated methanol extract was then analyzed by TLC, then separated by column chromatography with silica gel as the stationary phase and chloroform: ethyl acetate (90:10; 80:20; 70:30; 60:40; 50:50; 40:60; 30: 70; 20:80; 10:90) v/v as mobile phase. The second fraction was chosen to be purified by preparative TLC with silica gel as the stationary phase and chloroform: ethyl acetate (20:80) v/v as the mobile phase. The pure compound obtained was a yellow amorphous solid of 6 mg with a value of Rf = 0.56. Next, the compounds obtained were explained using a UV-Visible Spectrophotometer with the results obtained in 2 bands, namely the first band with a wavelength of 327 nm and the second band with a wavelength of 287 nm, Infrared Spectrophotometer Analysis (FT-IR) with the results obtained that there are functional groups O-H Stretching, O-H, C=O ketone, C=C aromatis, C-O-C, C-OH,, with successive wave numbers 3427,51 cm-1, 1689,64 cm-1, 1506,85cm-1, 1230,58cm-1, 1074,35cm-1. and Proton Nuclear Magnetic Resonance Spectrophotometer (1H-NMR) analysis with the results obtained of the presence of H-6 & H-8, H-2’dan H-6’.Spectroscopic data shows that the isolated compound is a flavonoid compound isoflavon group.60 PagesSkripsi Sarjan
Differences in Consumption Patterns of Junior High School Students in Urban and Suburban Areas of Medan City
No full textAdolescents are individuals aged between 10 and 19 years old. Currently, Indonesia is facing three major nutritional problems (triple burden), namely macro nutrient deficiency, micro nutrient deficiency and macro nutrient excess. This study uses a quantitative approach with comparative study research, aiming to compare the values of one or more variables in two or more populations. The sample size for this study was 102 junior high school students, determined using the Slovin formula. Data on energy, carbohydrate, protein and fat intake were collected using the 2 x 24-hour Food Recall method, while data on food groups were collected using the Food Frequency method, focusing on the past month. The results of the Mann-Whitney test showed that there was no difference in energy consumption between urban and suburban areas. There was no difference in carbohydrate consumption between urban and suburban areas. There was a difference in protein consumption between urban and suburban areas. There was no difference in fat consumption between urban and suburban areas. There was no difference in staple food groups between urban and suburban areas. There was a difference between legume groups in urban and suburban areas. There was a difference between animal-based side dish groups in urban and suburban areas. There was a difference between vegetable groups in urban and suburban areas. There was no difference between fruit groups in urban and suburban areas. There was no difference between dairy and dairy product groups in urban and suburban areas. There was a difference between oil and fat groups in urban and suburban areas. There are differences between the fast food and snack food groups in urban and suburban areas. It is hoped that schools can provide regular nutrition education to students about the importance of consuming a balanced, nutritious diet.134 PagesSkripsi Sarjan