1,721,039 research outputs found
ANALISIS SISTEM KREDIT SEBAGAI UPAYA MEMINIMALISIR KREDIT BERMASALAH PADA PT. BANK PERKREDITAN RAKYAT SUKOREJO MAKMUR, KABUPATEN PASURUAN
No full textABSTRAK Sari, Devi Novita. 2012. Analisis Sistem Kredit sebagai upaya Meminimalisir Kredit Macet pada PT. BPR Sukorejo Makmur. Kabupaten Pasuruan. Tugas Akhir, Program Studi Diploma III Akuntansi, Jurusan Akuntansi, Fakultas Ekonomi Universitas Negeri Malang. Pembimbing Dr. Tri Laksiani, S.E., M.M Kata Kunci : Sistem kredit, Minimalisasi Kredit Bermasalah PT BPR Sukorejo Makmur merupakan salah satu jenis bank pemerintahan yang bidang usahanya selain menghimpun dana dari masyarakat juga menyalurkan dana kepada masyarakat dalam bentuk kredit. Kredit merupakan salah satu pendapatan terbesar dalam sebuah lembaga perbankan atau sejenis. Untuk itu diperlukan adanya suatu sistem kredit yang baik untuk menjaga kelancaran pelaksanaan kredit untuk meminimalisasi kredit bermasalah. Penulisan tugas akhir ini bertujuan untuk mengetahui penerapan sistem kredit pada PT BPR Sukorejo Makmur sebagai upaya meminimalisir kredit macet, serta mengetahui cara yang ditempuh untuk mengatasi kelemahan dari sistem kredit yang diterapkan. Teknik pengumpulan data dengan studi kepustakaan dan studi lapangan. Untuk metode pemecahan masalah menggunakan pendekatan deskriptif kualitatif. Dari hasil analisis diperoleh bahwa sistem kredit yang diterapkan PT BPR Sukorejo Makmur sudah cukup baik dan efektif dalam hal mengelola kredit dan meminimalisir kredit bermasalah. Upaya Bank dalam meminimalisir kredit bermasalah yaitu dimulai dari tahap perencanaan, realisasi kredit, dan pengawasan mulai dari pengawasan terhadap kelancaran pembayaran sampai dengan pengawasan saat penagihan. Namun masih ada hal-hal yang masih harus ditempuh untuk meminimalisir kredit bermasalah pada PT BPR Sukorejo Makmur. Yaitu (1) Bank perlu menghindari memberikan kredit kepada pihak saudara (2) Hendaknya diberikan asuransi pada semua jenis jaminan (3) memberikan keringanan bunga kepada nasabah (4) Bank menjaga kelancaran kredit dengan fokus mengingatkan yang terdiri dari reminding, problem screening, soft pressuring, recommending (5) Bank berani melakukan penolakan atas pengajuan kredit yang tidak memenuhi syara
A STUDY OF STUDENTS’ PROBLEMS IN LEARNING SPEAKING ENGLISH AT THE SECOND GRADE OF SMP NEGERI 1 TALAGA
Get PDFDevi Novita Swary. 1410130048. A Study of Students’ problems in Learning English
Speaking at The Second Grade of SMP Negeri 1 Talaga.
Speaking is the important one from the four skills. As Ur (1991: 120) states that from
all the four skills (listening, speaking, reading and writing) speaking seems intuitively the
most important: people who know a language are referred to as „speaker‟ of that language, as
if speaking included all other kinds of knowing. But however there are so many problems on
it faced by some students. So the research was interested to know and investigated the
students‟ problems in learning English speaking and also find some ways to solve it. This
research take place at SMP Negeri 1 Talaga, the samples are consist of 26 students and it was
conducted on April 10th 2014 until May 25th 2014. To collecting the data, the researcher used
depth observation, depth interview and documentation. Credibility, transferability,
dependability and conformability was used as the validity of the research. Then the researcher
used data reduction, data display and conclusion drawing and verification in technique of
analysis data.
According to the depth obseravation, the researcher found that the ability of the
students of SMP Negeri 1 Talaga was in low level. Most of the students cannot be able to
speak by using English, although in very simple phrase or sentences. There are only a few
students who have good skill in English especially in English speaking. The researcher
concludes that the students have problems in tems of learning English speaking.
To know the students‟ problems in learning English speaking, the researcher used
depth observation and also interview. Low of vocabulary mastering, limited of grammar
knowledge and pronunciation, shyness, nervousness, fear of making mistakes, lack of
confidence, limited of practice, minimum opportunities, environment factor, mother tongue
used dominantly, low of motivation are the kinds of students‟ problems in learning English
speaking.
There are some ways to solve the problems in learning English speaking, both from
the students‟ and the teachers‟ sides. More practice, increase the vocabulary mastery, increase
the motivation, use the interesting strategy, give opportunities to all students, keep to speak
English, jouin the extra class of English are the ways to solve the kinds of problems in
learning English speaking.
In learning English speaking, every student has their own problems on it either from
the students themselves or from the others factors. In this research, the researcher found at
least 12 problems in learning speaking and some ways to solve that problems which have to
be known or even applied both by students and teachers.
Key Terms: Students‟s Problems, Learning English speakin
Going Beyond Counting First Authors in Author Co-citation Analysis
Get PDFThe present study examines one of the fundamental aspects of author co-citation analysis (ACA) - the way co-citation
counts are defined. Co-citation counting provides the data on which all subsequent statistical analyses and mappings
are based, and we compare ACA results based on two different types of co-citation counting - the traditional type that
only counts the first one among a cited work's authors on the one hand and a non-traditional type that takes into
account the first 5 authors of a cited work on the other hand. Results indicate that the picture produced through this non-traditional author co-citation counting contains more coherent author groups and is therefore considerably clearer. However, this picture represents fewer specialties in the research field being studied than that produced through the traditional first-author co-citation counting when the same number of top-ranked authors is selected and analyzed. Reasons for these effects are discussed
Variations on the Author
Get PDF“Variations on the Author” discusses two of Eduardo Coutinho’s recent films (Um Dia na Vida, from 2010, and Últimas Conversas, posthumously released in 2015) and their contribution to the general question of documentary authorship. The director’s filmography is characterized by a consistent yet self-effacing form of authorial self-inscription: Coutinho often features as an interviewer that rather than express opinions propels discourses; an interviewer that is good at listening. This mode of self-inscription characterizes him as an author who is not expressive but who is nonetheless markedly present on the screen. In Um Dia na Vida, however, Coutinho is completely absent form the image, while Últimas Conversas, on the contrary, includes a confessional prologue that moves the director from the margins to the center of his films. This article examines the ways in which these works stand out in the filmography of a director who offers new insights into the notion of cinematic authorship
Appropriate Similarity Measures for Author Cocitation Analysis
Get PDFWe provide a number of new insights into the methodological discussion about author cocitation analysis. We first argue that the use of the Pearson correlation for measuring the similarity between authors’ cocitation profiles is not very satisfactory. We then discuss what kind of similarity measures may be used as an alternative to the Pearson correlation. We consider three similarity measures in particular. One is the well-known cosine. The other two similarity measures have not been used before in the bibliometric literature. Finally, we show by means of an example that our findings have a high practical relevance.information science;Pearson correlation;cosine;similarity measure;author cocitation analysis
Dispelling the Myths Behind First-author Citation Counts
Get PDFWe conducted a full-scale evaluative citation analysis study of scholars in the XML research field to explore just how different from each other author rankings resulting from different citation counting methods actually are, and to demonstrate the capability of emerging data and tools on the Web in supporting more realistic citation counting methods. Our results contest some common arguments for the continued
use of first-author citation counts in the evaluation of scholars, such as high correlations between author rankings by first-author citation counts and other citation
counting methods, and high costs of using more realistic citation counting methods that are not well-supported by the ISI databases. It is argued that increasingly available digital full text research papers make it possible for citation analysis studies to go beyond what the ISI databases have directly supported and to employ more
sophisticated methods
koamabayili/VECTRON-author-checklist: VECTRON author checklist
No full textWe have done our best to complete the author checklist relating to the use of animals in the hut study. Note that the objective for the hut study was to evaluate the IRS treatment applications for residual efficacy against Anopheles mosquitoes, including the local An. coluzzii mosquito population. Cows were only used to attract mosquitoes into the huts and no tests were carried out directly on the cows. The author checklist is intended for use with studies where experiments are carried out on animals, which is why we have had such difficulty in completing this for the hut study, as many of the questions do not relate to how the cows were used
Author-wise bibliometric analysis based on entropy.
No full textAuthor-wise bibliometric analysis based on entropy.</p
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