Pengaruh Sistem Kredit Dan Pelayanan Bank Terhadap Kepuasan Nasabah (Studi Kasus Bkk Pasar Kliwon Surakarta)

This research is intended to find out the effect credit system and the service from a bank to customer\u27s satisfaction in BKK Pasar Kliwon Surakarta. The data collection technique used in this research is sampling technique. The sample used is BKK Pasar Kliwon Surakarta. The data collection method used in this research is interviewing and observing method to the objct of the research, which are the employees of the observed bank. The result of interview and observation with the qualitative method are used to examine the quality and effect of the credit system and the service from a bank to the customers\u27 satisfaction. The credit system observed in the research includes working capital credit and investment credit and its conditions. Based on the research, it is found that a factor that plays the most important part in create the costumer\u27s satisfaction is the service of the bank\u27s employees. The aspects of the bank service, in this case, are politeness, respectful, attentive, cooperative, tolerance, informality, and self control. Keyword : Credit System, service quality of bank\u27s employees, customer satisfactio

Harm reduction in name, but not substance: a comparative analysis of current Canadian provincial and territorial policy frameworks

Abstract Background In Canada, funding, administration, and delivery of health services—including those targeting people who use drugs—are primarily the responsibility of the provinces and territories. Access to harm reduction services varies across jurisdictions, possibly reflecting differences in provincial and territorial policy commitments. We examined the quality of current provincial and territorial harm reduction policies in Canada, relative to how well official documents reflect internationally recognized principles and attributes of a harm reduction approach. Methods We employed an iterative search and screening process to generate a corpus of 54 provincial and territorial harm reduction policy documents that were current to the end of 2015. Documents were content-analyzed using a deductive coding framework comprised of 17 indicators that assessed the quality of policies relative to how well they described key population and program aspects of a harm reduction approach. Results Only two jurisdictions had current provincial-level, stand-alone harm reduction policies; all other documents were focused on either substance use, addiction and/or mental health, or sexually transmitted and/or blood-borne infections. Policies rarely named specific harm reduction interventions and more frequently referred to generic harm reduction programs or services. Only one document met all 17 indicators. Very few documents acknowledged that stigma and discrimination are issues faced by people who use drugs, that not all substance use is problematic, or that people who use drugs are legitimate participants in policymaking. A minority of documents recognized that abstaining from substance use is not required to receive services. Just over a quarter addressed the risk of drug overdose, and even fewer acknowledged the need to apply harm reduction approaches to an array of drugs and modes of use. Conclusions Current provincial and territorial policies offer few robust characterizations of harm reduction or go beyond rhetorical or generic support for the approach. By endorsing harm reduction in name, but not in substance, provincial and territorial policies may communicate to diverse stakeholders a general lack of support for key aspects of the approach, potentially challenging efforts to expand harm reduction services

Additional file 1: of Harm reduction in name, but not substance: a comparative analysis of current Canadian provincial and territorial policy frameworks

Provincial and territorial policy documents and indicator scores; table contains all CHARPP indicator scores from 13 provincial and territorial harm reduction policy report cards. (XLSX 57 kb