LITERASI PRODUK KPR SYARIAH DAN PENGARUHNYA TERHADAP MINAT MAHASISWA MENGGUNAKAN PRODUK KPR SYARIAH

Manusia diwajibkan untuk selalu menuntut ilmu, selain karena perintah agama juga untuk meningkatkan literasi / pengetahuan manusia. literasi ini sangat penting karena untuk melepaskan manusia dari kebodohan. Masih adanya produk perbankan yang belum sesuai dengan perintah agama, menimbulkan konsumen harus berhati-hati dalam memlilih produk perbankan. Salah satu produk perbankan yang masih mengandung unsur riba yaitu produk KPR konvensional. KPR konvensional dengan iklan yang menggiurkan membuat konsumen ingin membeli rumah dengan menggunakan produk KPR konvensional, padahal produk tersebut masih mengandung unsur riba yang jelas tidak diperbolehkan dalam Islam. Penelitian ini mengidentifikasi tingkat literasi produk KPR Syariah dan pengaruhnya terhadap minat mahasiswa menggunakan KPR konvensional. Jumlah sampel yang digunakan adalah sebanyak 140 orang diwakili prodi yang berada di Fakultas Ekonomi dan Bisnis. Sampel dipilih menggunakan metode purposive sampling dengan teknik quota sampling. Penelitian ini menggunakan metode deskriptif untuk menggambarkan situasi atau kejadian yang terjadi di lapangan dengan pendekatan kuantitatif. Regresi linier sederhana digunakan untuk menganalisis tingkat literasi produk KPR Syariah dan pengaruhnya terhadap mahasiswa menggunakan KPR Syariah. Literasi / pengetahuan mahasiswa FPEB UPI adalah sedang dan mahasiswa FPEB UPI mempunyai minat menggunakan KPR Syariah yang sedang pula. Hasil regresi sederhana menunjukkan bahwa literasi produk KPR Syariah tidak berpengaruh terhadap minat mahasiswa menggunakan produk KPR Syariah.---Humans are required to always study, in addition to religious orders also to increase the literacy / knowledge of human beings. This literacy is very important because to release man from ignorance. Still the existence of banking products that have not complied with religious orders, causing consumers to be careful in choosing banking products. One of the banking products that still contain elements of usury is the product of conventional mortgages. Conventional mortgages with lucrative advertising make consumers want to buy a home using conventional mortgage products, but the product still contains elements of usury that is clearly not allowed in Islam. This study identifies the level of literacy of KPR Syariah products and their effect on student interest using conventional mortgages. The number of samples used is 140 people represented the study program at the Faculty of Economics and Business. The sample was selected using a method of sampling with a quotasampling technique. This research uses descriptive method to describe situation or occurrence that happened in field with quantitative approach. Simple linear regression is used to analyze the level of literacy of KPR Syariah products and their effect on students using KPR Syariah. Literacy / knowledge of FPI UPI students is moderate and FPEB UPI students have an interest in using KPR Syariah which is also. The result of simple regression shows that the KPR Syariah product literacy does not affect the interest of the students using the KPR Syariah product

Determination of behavioural traits of purebred dogs using factor analysis and cluster analysis: a comparison of studies in the USA and UK

The questionnaire survey of Hart and Hart (1985,Journal of the American Veterinary Medical Association186, 1811–1815) ranked the 56 most popular breeds of dog in theon 13 behavioural traits and is compared here with results of a similar survey conducted on the 49 most popular breeds in the. Of the 36 breeds in common between the studies, 24 were similar for the traits aggressivity, reactivity and ease of housetraining between the two countries. However, the characteristics of nine breeds (Airedale Terrier, Old English Sheepdog, Welsh Corgi, Irish Setter, Standard Poodle, Beagle, Samoyed, Boxer, Dalmatian) differed markedly between the two countries, and a further three (Chihuahua, Scottish Terrier, Standard Dachshund) showed smaller, but probably meaningful, shifts. These differences should be recognised when giving advice to prospective owners, and when treating unwanted behaviour in these breeds

Ontogeny of individuality in the domestic cat in the home environment

The behaviour of house cats Felis silvestris catus from nine litters was recorded at 4 months, 1 year and 2 years of age, in their home environment immediately after meals fed by their owners. We extracted by principal components analysis four elements of ‘behavioural style’ that were consistent from one age to another: based upon behaviour patterns that were most heavily loaded on each component, these were labelled as Staying Indoors, Rubbing, Investigative and Boldness elements. The Staying Indoors and Rubbing elements are similar to two aspects of behavioural style identified in a previous study of adult cats; the Boldness element, possibly coupled with the Investigative element, may be similar to the shy/bold continuum identified in controlled studies of cats and other species. Four-month-old male cats were the most likely to Stay Indoors; the Rubbing element increased with age in the majority of individuals, both male and female. Littermates tended to be similar to one another in Rubbing (at 4 months) and Boldness (up to 1 year). A positive effect of handling received during the first 8 weeks of life was detected for Boldness at 4 months of age

Responses of pet cats to being held by an unfamiliar person, from weaning to three years of age

We have determined the extent to which individual responses of domestic cats on being handled by an unfamiliar person are stable between 2 and 33 months of age. Twenty-nine household cats from nine litters were tested at 2, 4, 12, 24 and 33 months of age, by being held for 1 minute by a standard, unfamiliar person. Between 4 and 33 months of age, individual differences in the number of attempts made by the cat to escape, and in whether or not it showed signs of distress, were stable, with the partial exception of the test at 12 months. There was no consistency between tests in whether or not a particular cat purred. At 2 months of age, the number of escape attempts was highest in cats which had been handled the least in the second month of life, but this trend was reversed in the number of escape attempts made at 4 months. The lack of distress exhibited by all cats in the test at 2 months indicated that all had received at least adequate socialization to people, and that none were therefore comparable with the unsocialized cats used in several previous studies. We conclude that under normal domestic conditions, the behavior of a cat when handled by an unfamiliar person reflects a stable character trait, and that extensive handling during the socialization period may be subsequently associated with a reduction in inhibited behavior when interacting with an unfamiliar pers

Relationship between aggressive and avoidance behaviour by dogs and their experience in the first six months of life

The early experiences of dogs showing signs of avoidance behaviour or aggression were compared with those of dogs from the same clinical population that did not show such behaviour. The occurrence of each behavioural sign was tested for its association with the dog's maternal environment, the environment it experienced between three and six months of age, and the age at which it had been acquired. Non-domestic maternal environments, and a lack of experience of urban environments between three and six months of age, were both significantly associated with aggression towards unfamiliar people and avoidance behaviour. Aggression during a veterinary examination was more likely in dogs from non-domestic maternal environments. There was no significant association with either environment for aggression towards familiar people, or towards dogs

Childhood experiences and attitudes towards animal issues: A comparison of young adults in Japan and the UK

Childhood experiences of animals and current attitudes towards animals were assessed using a questionnaire, which was completed by 227 Japanese students and 174 British students. Pet ownership in childhood, as well as contact with other animals and negative experiences of pets, were used as the independent variables; current attitudes towards pets and other animals were the dependent variables. There were some differences between Japan and the UK: in childhood, the British students had had significantly more pets and more animal-related experiences, such as visiting animal shelters and livestock farms, than had the Japanese students. Their current attitudes were also more positive, and they, showed a greater interest in animal welfare issues than did the Japanese students. In both countries there was a positive association between childhood pet-keeping and current favourable attitudes to pets, as measured by the Pet Attitude Scale. Open-ended responses also suggested that the roles of pets for children are perceived in similar ways in Japan and the UK. Adult attitudes to pets and interest in animal welfare seem to be greatly influenced in both countries by childhood experiences of animals, including pets, and may therefore be a general phenomenon

Attitudes towards assistance dogs in Japan and the UK: a comparison of college students studying animal care

Previous studies have indicated that the primary problems associated with ownership of assistance dogs lie not with the dogs themselves, but with people's attitudes and behavior towards them, including interference with the dog while it is working, and denial of access to public facilities. However, there has been little systematic study of the attitudes of the general public towards assistance dogs. Our study was carried out to compare the knowledge and attitudes of young people in Japan and the UK towards assistance dogs, in order to provide a basis for the future development of assistance dog provision in Japan. Forty-four Japanese and 42 British college students completed questionnaires in which they were asked about their knowledge of, and attitudes towards, assistance dogs. A similar percentage (about 20%) of the British and Japanese students reported that they were unhappy about allowing the dogs access to places where food is sold. However, the British participants were more likely to be positive about the idea of using dogs to assist people with disabilities than were the Japanese. Attitudes towards assistance dogs varied among the Japanese students. Some considered assistance dogs happier than pet dogs, because pet dogs are sometimes neglected, while others expressed sympathy for assistance dogs because they are strictly trained and exploited by humans. When asked their opinions about the idea of using dogs as assistance dogs, 98% of the British students, but only 41 % of the Japanese students, agreed with the idea. Our results suggest that perception of assistance dogs, and also understanding of the well-being of people with disabilities, were both more well-informed and realistic among the British students than among the Japanese student