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    TANGGUNG JAWAB HUKUM PIHAK BANK DALAM MELAKUKAN PENGAWASAN TRANSAKSI GESEK TUNAI MENGGUNAKAN KARTU KREDIT

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    In general, the use of credit cards by customers is intended as a replacement payment with cash which can be redeemed for goods and / or services needed. This credit card facility provides convenience to customers because there is no need to carry cash that is at risk of criminal acts. In addition, one of the benefits of credit cards is that customers can make cash withdrawals at ATMs even though the main function of credit cards is for payment. But cash withdrawal using a credit card or commonly referred to as Cash Advance is very different from cash withdrawal using debit card. There are certain rules that limit the use of credit cards as a cash withdrawal tool. Cash withdrawals using a credit card have a withdrawal limit depending on the bank policy and the specified limit. Because of these limitations then creates a new phenomenon called cash friction transactions / cash withdrawal transaction credit card. Cash friction transactions or commonly referred to as GESTUN, a solution for customers who have credit card owners who want to make cash withdrawals but not through ATM. Card owner customers simply visit stores or merchant that have credit card swipes (EDC), then withdraw cash according to the desired amount. By doing GESTUN, credit card customers seem to be spending goods through the store, but the acquired is not goods but money. So customers do not take the goods but take cash for the amount of withdrawals desired or worth the price of the goods. Although Gestun transactions provide convenience to customers in withdrawals, but Bank of Indonesia prohibits the existence of cash withdrawal transactions (Gestun) using credit cards. Through Bank of Indonesia Regulation Number 11/11 / PBI / 2009 concerning the Implementation of Card-Based Payment Instruments (APMK), cash withdrawal transactions (Gestun) are categorized as either harmful actions committed by merchants. Article 8 paragraph (2) of Bank Indonesia Regulation stipulates that a Bank or Financing Institution here in after referred to as an Acquirer shall terminate its cooperation with a merchant performing adverse action. Furthermore, in the explanation section it is stated that included in the meaning of adverse action is the act of merchant adverse Principal, Issuer, Acquirer and / or Cardholder, among other traders known to have cooperated with the perpetrator of crime (fraudster), processing cash withdrawal transaction credit card, or processing additional transaction fee (surcharge)

    Going Beyond Counting First Authors in Author Co-citation Analysis

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    The 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

    Pengaruh Model Cooperative Learning Tipe Examples Non Examples Terhadap Hasil Belajar

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    This study aims were to analyze and to find out the positive and significant influence of the cooperative learning model of examples non examples types on student learning outcomes. This type of research was an experiment with a non equivalent control group design. The population of this research were 59 fifth grade students at SD Negeri 1 Metro Utara. The determination of research samples used saturate samples, where all members of the population were used as samples. The data collection techniques was done by non-test techniques and test techniques. The results of hypothesis accepted, there was a positive and significant effect on the application of cooperative learning of examples non examples type on student learning outcomes. Penelitian ini bertujuan untuk menganalisis dan mengetahui pengaruh positif dan signifikan pada model cooperative learning tipe examples non examples terhadap hasil belajar peserta didik. Jenis penelitian ini yaitu eksperimen dengan desain penelitian non equivalent control group design. Populasi penelitian ini adalah peserta didik kelas V SD Negeri 1 Metro Utara yang berjumlah 59 orang peserta didik. Penentuan sampel penelitian menggunakan sampel jenuh, dimana semua anggota populasi dijadikan sebagai sampel. Teknik pengumpulan data dilakukan dengan teknik non tes dan teknik tes. Hasil pengujian hipotesis diterima, artinya terdapat pengaruh yang positif dan signifikan pada penerapan model cooperative learning tipe examples non examples terhadap hasil belajar peserta didik. Kata kunci: cooperative learning, hasil belajar, peserta didik

    Variations on the Author

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    “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

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    We 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

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    We 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

    Author Index

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    koamabayili/VECTRON-author-checklist: VECTRON author checklist

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    We 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
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