SISTEM PEMBAYARAN DANA PENSIUN NASABAH PADA PT BANK BTPN PURNA BAKTI KC MATARAM

Bank Tabungan Pensiunan Nasional (BTPN) sebagai lembaga bank devisa yang memfokuskan diri untuk melayani masyarakat yang berpendapatan rendah yang terdiri dari pensiunan, pelaku usaha mikro kecil dan menengah, serta komunitas prasejahtera produktif. BTPN meluncurkan sebuah aplikasi yang berbasis Androit maupun Iphone Operating System (IOS)   untuk mempermudah melakukan transaksi perbankan seperti, simpanan, tarik tunai, transfer dana, pembayaran tagihan dan pengajuan permohonan kredit mikro, sehingga sistem pembayaran dalam transaksi ekonomi sangat dibutuhkan dan mengalami kemajuan yang pesat seiring dengan perkembangan teknologi yang canggih. Dalam pembayaran pensiun secara konvensional Bank BTPN terlebih dahulu melakukan   penerimaan   calon   nasabah   pensiun.   Calon nasabah   pensiun   harus   memenuhi   syarat   administratif.   Calon nasabah yang telah memenuhi syarat tersebut berhak menjadi nasabah BTPN. Nasabah BTPN mendapat nomor rekening serta buku tabungan untuk dapat mengambil gaji pensiun setiap bulannya. Nasabah akan dilayani oleh bagian teller dalam pembayaran dana pensiun. Hasil penelitian ini diharapkan dapat menjadi bagian masukan bagi PT Bank BTPN Purna Bakti KC Mataram dalam menentukan langkah-langakah kebijakan sebagai upaya meningkatkan kualitas dan produktifitas

The Relationship Between the Change Management and the Operational Excellence in Electrical and Electronics Manufacturing Companies

Purpose The purpose this paper is to examine the relationship between the change management and the operational excellence in the manufacturing companies (i.e. electrical and electronics). Design/ methodology/ approach This study utilizes causal study using survey methods to ascertain the relationship between the management of change and operational excellence. The samples of the population were selected for the Electrical and Electronics sectors using the systematic random sampling method. Findings The analysis found significant positive relationships between organic structure, operations strategy, transformational leadership style and human resource practices on operational excellence. The operations strategy influenced the most on the operational excellence. Research implications The results of this study could promote a better understanding of the operational excellence in the electrical and electronics industry and its implications for activities concerning operation management and change management. Therefore, the recommendation to management is to establish policy, systems, and processes by integrating both hard elements (structure and strategy) and soft elements (leadership and human resource) in a strategic planning of the companies. This study is hoped to contribute to a body of knowledge, in termsof the insight into an achievement of the operational excellence. As it focuses on a proper integration of organic structure, operations strategy, transformational leadership style and human resource practices

Influence of Two-line Emergent Floodplain Vegetation on a Straight Compound Channel Flow

Abstract: Floods are frequent events occur in Malaysia and cause loss of life, human suffering and widespread damages to buildings, crops and infrastructure. Effort to understanding on this phenomenon is an interesting research. The objectives of this study are to determine the stage-discharge relationship, roughness coefficient and streamwise velocity distribution in a vegetated straight compound channel. The effects of two-line emergent vegetation along the edge of floodplain are studied by using a flume in the Hydraulics Laboratory, Faculty of Civil Engineering, Universiti Teknologi Malaysia (UTM). The results on stage-discharge relationship, Manning’s n and velocity distribution for overbank flows are presented in this paper. From the analysis, it is found that the vegetation influences stage-discharge where retardation of flow takes place. The maximum velocity zone is observed to be in the main channel and less fluid momentum transfer takes place in the presence of vegetation. Vegetated floodplain also influence the increases of channel roughness

Synthesis and characterization of magnetic properties of hard/soft nanocomposite permanent magnets

We report on an investigation of the magnetic properties of nanocomposite ferrite via different technique. Magnetic hard and soft ferrite, SrFe12O19/ Ni0.5Zn0.5Fe2O4 nanocomposites with mass ratio 4:1 were synthesised by using the mechanical alloying (750 rpm) method, physical mixing and high energy ball milling method. The nanocomposite ferrite was calcined at different temperatures from 500°C to 800°C to study the effect of calcination temperature on the magnetic properties of nanocomposite ferrite. The X-Ray Diffraction (XRD) result shows the double phase SrFe12O19 and Ni0.5Zn0.5Fe2O4 existed. The Transmission Electron Microscopy (TEM) image shows the particlesize is agglomerated, due to the attractive force. The magnetisation measurement was obtained at room temperature by using a Vibrating Sample Magnetometer (VSM). For mixing by mechanical alloying, nanocomposite ferrite at 800°C gives the larger value of magnetisation, Ms 46 emu/g which is higher than the Ms of a single phase of SrFe12O19, 37 emu/g. The remanence ratio, Mr/Ms of nanocomposite ferrite at 800°C gives the value more than 0.5, this proves that the exchange coupling exists with the higher value of Ms. For physical mixing, the highest magnetisation obtains are 51 emu/g at a temperature of 750°C. From this simple technique, we are able to attain good magnetic properties of nanocomposite ferrite nanoparticles with a particle size below 50 nm

The Relationship between facebook, religiosity and academic performance

Our study empirically examines the effect of student activities on Facebook and religion on academic performance. We extend prior research in this area in a number of ways. First, given the paucity of the research in this area particularly from the Asian context, we provide the evidence from developing country like Malaysia. Second, our sample drawn from Sultan Idris Education University in Malaysia, where graduates from these universities are unique since they are expected to be able to work in both education and industry environment, and presumed to play significant roles in shaping the development of future student’s intellectual at the Malaysian secondary school and Malaysian economy in general. Third, we control for religiosity aspect when examining the association between Facebook and academic performance, something that has been predominantly neglected by the prior studies. Fourth, unlike prior studies that circulating around the Christian sphere in measuring religiosity, we provide evidence from the Islamic perspective where the act of worships and practices are much more comprehensive rather than the Christian counterparts. Fifth, we examine whether Facebook activities and religiosity are complementary or substitutive each other in improving student’s academic performance. Our sample comprise of 60 undergraduates. Our result exhibit that students with high number of friends on Facebook and frequent engagement on Facebook activities, such as sharing links, send message, posting photo, tagging video as well as spending long hours on Facebook generally are associated with lower academic performance. Our results also reported that student’s engagement in religious activities promotes better academic performance. When we examine the potential interaction effect between Facebook and religiosity, our result revealed that religiosity is effective in reducing student’s interest on Facebook, hence lead to better academic achievement. In other words, religious student will be less interested in joining activities on Facebook and make them more perform than their counterparts. Our findings from this study should be able to assist the university management in shaping university policies and curriculum to regulate and manage student’s activities in order to enhance overall student’s quality. Moreover, the findings from this study are also of use to the policy maker such as Malaysian Communication and Multimedia Commissions to regulate the policy on the student’s access and activities on Facebook

Keselamatan Kerja dan Kesehatan Lingkungan Industri

Keselamatan dan Kesehatan Kerja, utamanya di lingkungan industri, menjadi hal yang tidak bisa lagi diabaikan. Hal ini terkait langsung maupun tidak langsung dengan strategi peningkatan kinerja, minimalisasi risiko, serta pencegahan kecelakaan di tempat kerja. Pada akhirnya, diharapkan terwujud efektivitas dan efisiensi kerja yang berujung pada peningkatan keuntungan usaha dan menghindari kerugian materiel maupun imateriel. Keselamatan kerja dan kesehatan lingkungan industri meliputi berbagai aspek dengan memadukan beberapa unsur keilmuan, di antaranya kesehatan/ medis, teknik, psikologi, manajemen, statistik, dan hukum. Buku ini disusun mencakup unsur-unsur keilmuan terkait keselamatan kerja dan kesehatan lingkungan industri. Isi buku ini dibagi dalam dua belas bab, meliputi pengelolaan bahaya di lingkungan kerja, kecelakaan kerja dan produktivitas kerja, statistik dan investigasi kecelakaan kerja, behavior based safety, risiko kebakaran di tempat kerja, manajemen risiko di tempat kerja, kebisingan, penerangan dan iklim kerja, getaran dan radiasi, bahaya kimia dan biologi, ventilasi dan higiene sanitasi, serta pengendalian vektor penyakit di tempat kerja. Pemaparan dalam buku ini dilengkapi dengan contoh-contoh implementasi dan didukung dengan referensi terkini mengikuti perkembangan regulasi, kebijakan dan hasil-hasil penelitian terkait keselamatan kerja dan kesehatan lingkungan industri. Cakupan materi dan metode pemaparan ini diharapkan dapat membantu pembaca agar lebih mudah memahami keselamatan kerja dan kesehatan lingkungan industri secara utu

USING DEBATE TO IMPROVE STUDENTS’ VOCABULARY AND SPEAKING ACHIEVEMENTS

Abstract: The purposes of this study were to find out (1) whether there was a significant difference in vocabulary achievement between students who were taught through debate, and those were taught without debate, (2) whether there was a significant difference in speaking achievement between the students who were taught through debate and those were taught without debate, (3) whether there was a significant correlation between vocabulary and speaking achievements of the fourth semester, English education study program students of Tridinanti University and how much the contribution of vocabulary to speaking is. The population of this study consisted of the fourth semester English education study program students of Tridinanti University. The total number of the population was 49 comprising four classes, while the sample consisted of 30 students who were divided into two groups, fifteen students were in the experimental group and another fifteen students were in the control group. In collecting the data, the pretest, treatment and posttest were used. However, the data were analyzed by using t-test. It was found that (1) there was a significant difference in vocabulary achievement where the sig value (2 tailed) was lower than 0.05, (2) there was a significant difference in speaking achievement where the sig value (2 tailed) was lower than 0.05, (3) there was a significant correlation and contribution between vocabulary and speaking. It could be concluded that debate could improve the students‟ vocabulary and speaking achievements.Key words: vocabulary, speaking, and debate, fourth semester students of English Education Study Progra

Productivity study and line balancing of GGMG & CALICO production line

Assembly line balancing is assumed to have fixed task within specified task time during the initial stage of the mass production. The problem of current case study of this assembly line was the production line cannot meet the expected output plan with imbalance station cycle time. In this paper, productivity study and line balancing is applied to improve production line of GGMG & CALICO. The desired cycle time defined using the Standard Time Data (STD) which required the person to perform assign task till completion by defining the performance rating of person. The proposed solution proved by the implementation analysis conducted in the research. The results showed that the productivity of production line which is tremendously increased within 50% after implementation. There are six factors identified during the study which are bottleneck stations, workpiece flow, line layout, ergonomic, resource assignment and buffer allocation

GE 13: the Influence of ethnic newspapers in shaping the opinion of Indian and Chinese voters

This paper attempts to assess the role of Tamil and Chinese newspapers in exerting influence on Indian and Chinese voters, before and after Malaysia’s 2013 General Election (GE13). This study employs both content analysis and survey to examine media agenda and public agenda specifically the Chinese and Indian ethnic groups. In total, 4,951 news items were obtained from two major language newspapers comprising Sin Chew, Nanyang Siang Pau, Tamil Nesan and Malaysia Nanban, during the election campaign period. These news items have been coded according to seventeen categories. A total of 754 Chinese and 183 Indians had participated in the public opinion survey conducted before the general election, and a total of 618 Chinese and 122 Indians responded after the general election. This study found that both Tamil and Chinese newspapers did not influence the agenda of the Chinese and Indian respondents nationwide. Politics appeared as the top issue reported in both ethnic newspapers while crime appeared as the most important issue of concern to both Chinese and Indian respondents

Investigating student's learning difficulties in shape and space topic: a case study

Learning difficulties in Mathematics causes students to struggle with the numbers, formulas, calculations, concepts and related shapes because it takes student’s patience and persistence. Therefore, the objective of this study is to investigate the learning difficulties encountered by students in ‘Shape and Space’ topic. The contributing factors for such difficulties are also studied. Forty Standard Two (2) students from a primary schools in Kuala Selangor participated in this case study. Purposive sampling technique is used in this study. It was found that there are a few difficulties and its contributing factors encountered by the respondents. A test and semistructured interview were the instruments used for the data collection. The research findings show that 70% of the respondents are having difficulty in understanding and answering the questions related to the subtopics involving types of straight and curved surfaces, and the number of shape surfaces. Additionally, 80% of the respondents are having difficulty in the subtopic of 3-dimensional stretch of shape and how to draw them. The difficulties faced by the students are because of the inability to imagine the shape and the stretch (imagination), and inability to understand the stretch of the combined basic shape. Therefore, this study proposes the steps and initiatives for teachers in planning suitable learning activities to help the students in overcoming their difficulties