Pengaruh Karakteristik Komite Audit terhadap Pengawasan Bank (Studi Kasus pada Bank Pembangunan Daerah Seluruh Indonesia)

The aim of this research is to show whether there issignificant effect of competence, independence and integrity toeffectiveness of bank supervision. The object of this research are thebanking company incorporated in the Regional Development Bank(BPD) throughout Indonesia. The respondents are individuals at theaudit committee team on Regional Development Bank (BPD)throughout Indonesia. The research method that was used ishypothesis testing with correlation analysis. Data collection in thisresearch was by sending questioners directly and also by mail survey.From the 81 questioners only 40 questioners was returned, thereforethe data was tested 40 respondents. The hypothesis test was by singmultiple regression method. The research find that there is nosignificant effect of competence and independence audit committee toeffectiveness of bank supervision, however there is significant effect ofintegrity to effectiveness of bank supervision

Kebiasaan Perilaku Sopan Santun Pada Anak Usia 5 – 6 Tahun Di Tk

This study aims to determine the habits of politeness behavior in children aged 5-6 years in kindergarten Islamiyah Pontianak . The method used in this research is descriptive method because the researchers describe factually and objectively about manners behavioral habits in children aged 5-6 years in kindergarten Islamiyah based on the reality on the ground . Data collection techniques used in this study is a direct communication and observation by means of collecting data in the form of questionnaires of teachers , teacher observation sheets and sheets of observation of the child . Location of the study is TK Islamiyah Pontianak with research time from the date of 19 August 2013 to 7 September 2013. The conclusion of the study children in kindergarten Islamiyah Pontianak has shown a habit of good manners . In greeting the child is accustomed to come and say hello when home from school . Children also used to pray with the orderly start and finish time of the lesson . When children are in the school environment the child is accustomed to speak the language well . Children are well behaved the school environment