Analisis Non Performing Loan pada PT Panin Bank Tbk

Penelitian ini bertujuan untuk menguji dan menganalsis tingkat Non Performing Loan (NPL) dimana membandingkan tingkat kredirt bermaslah (kredit kurang lancar,diragukan dan macet) dengan Total Kredit pada PT Panin Bank Tbk dimana semakin tinggi nilai Non Performing Loan (NPL) maka semakin buruk pengelolaan kredit begitu juga sebaliknya apabila nilai Non Performing Loan rendah pengelolaan kredit semakin baik. Populasi dalam penelitian ini adalah 37 tahun dan sampel dalam penelitian ini selama 9 tahun mulai 2010 sampai tahun 2018 dengan sampling yang digunakan adalah purposive sampling. Uji statistik mengunakan SPSS v 21 dengan teknik analsisis data menggunakan metode one sample t-test. hasil penelitian menunujukan bahwa non performig loan  pada PT Panin Bank Tbk dikatakan sehat. Ini menunjukan bahwa pengelolaan dan penyaluran kredit yang diberikan oleh PT Panin Bank Tbk sudah baik dan berada dibawah ketetapan umum oleh Bank Indonesia

A REVIEW OF THE INTEGRATION OF LOCAL WISDOM IN ENGLISH LANGUAGE TEACHING IN 5.0 SOCIETY ERA

This article discusses about how to implement local wisdom  in English language teaching.  One of the burning issues in global science and education which have been begun since five years ago is about local wisdom.  This issue is predicted to be the wise way to overcome some problems in human life such as economics, education, politics and social life for the future especially in 5.0 society era.  The scientific rason for using local wisdom is all people have their own way and belief to manage their life based on their culture.  It can create their own identity and personality.  In language teaching for example, the practitioners have ignored the use of local wisdom.  Teachers just teach all about the target language without considering the local culture and local wisdom.  For the society of 5.0. it is suggested to use the local wisdom in language teaching in order to preserve our culture and to create our national identity and character

Collegiality in Improving the Quality of Learning: Case Study of Lecturers and Teacher Partnership Program at Junior High School of Cokroaminoto Palopo

Through the Lecturer and Teacher Partnership Program, this study attempts to determine the effect of collegiality in raising the standard of instruction at SMP Cokroaminoto Palopo. This descriptive and observation to data. The findings showed that the plan, do, and see phases of lesson study implementation were divided into four cycles. From the stage of creating learning to the level of implementation in the classroom, these three stages are interconnected. The study’s version of collegiality also involves instructors and lecturers planning lessons in accordance with the challenges and educational needs faced by Cokroaminoto Palopo Middle School. Observations’ findings indicate that the learning designs created by lecturers and teachers have a favorable effect on the standard of learning in the classroom

A study into the effect of concentration process on the yield of rotenone from the extract of local plant species (Derris elliptica)

Bio-pesticides are becoming increasingly important as pest management tools in various cropping systems in the tropics essentially to remedy problems associated with the indiscriminate use of ‘hard’ inorganic pesticide and interest in organic agriculture. In the few decades, many bio-pesticidal products, both microbial-based (bacteria, fungi, microsprodia, entomopathogenic nematodes, viruses) and plant-based botanicals (rotenone and azadiracthin) had been studied for use against insect pests in the tropics. In this paper, the effect of the concentration process towards the yield of rotenone; mg and its concentration; mg/ml are studied extensively. The raw plants were collected from Kota Johor Lama, Johor and sorted to collect the root and stem. Only the root and stem were utilized as a raw material of the extraction process. The root and stem were extracted using the Normal Soaking Extraction (NSE) at 28 0C to 30 0C with 95 % (v/v) of acetone as a solvent and the solvent-to-solid ratio of 10 ml/g). The extraction was carried out for 24 hours. The liquid crude extract was concentrated further (the solvent removed under reduced pressure) using the rotary evaporator at 50 0C and 80 mbar of vacuum pressures. The fractions of the liquid crude extract were collected for each interval time (15 mins/1.0 ml/fraction). Each fractions were diluted 1/100 with acetone and further cleaned up prior to determination of rotenone content; mg and concentration; mg/ml by using the High Performance Liquid Chromatography (HPLC). Significant effect of the concentration process against the yield of rotenone; mg was recorded and shows a significant thermal degradation or dissipation of rotenone content at higher operating temperature. The possibilities for better exploitation and identification of the effective operating parameters will be discussed

Standardization of the bio-active compounds (rotenoids) from the extract of local plant species (derris elliptica) using the internal standard method of high performance liquid chromatography (HPLC)

It is well known now that some plant species represent an efficient factory of chemicals, which are manufactured and used as bio-weapons against pest attacks. Extensive work has been done during the last few decades on these potentially useful compounds. During the last few decades a growing interest has been paid for safe agricultural production i.e free residual toxicity hazards to human beings and to the environment. Plant extracts-based biocides possess a great advantage compared with the chemical ones. Their efficacies are also acceptable. Research carried out was to standardize and determine the bio-active compounds from the extract of local plant species (Derris elliptica) using the internal standard method of the isocratic High Performance Liquid Chromatography (HPLC) analysis system. The raw plants were collected from Kota Johor Lama, Johor and sorted to collect the root and stem. Only the root and stem were utilized as a raw material of the extraction process. The root and stem were extracted by using the Normal Soaking Extraction (NSE) method at 28 0C to 30 0C with 95.0 % (v/v) of acetone as a solvent and the solvent-to-solid ratio of the extraction is (10.0 ml/g). The extraction was carried out for 24 hours and further cleaned up to remove fine debris of root and stem prior to determination of the rotenone and its derivatives content. The rotenone cube resin of SAPHYR S.A.R.L (France) was used to verify the appearances of the compounds in the extract. The employed method of analysis shows significant appearances of the bio-active compounds in the extract compared with the commercial grade of rotenone cube resin

Peran Internet terhadap Pemahaman Siswa pada Sejarah Kebudayaan Islam (SKI)

The development of the internet in the world from day to day is getting more advanced, it can be said that everyone already knows what the internet is and the function of the internet itself. The use of the internet is also influential in the world of education, because the internet is able to facilitate learning, starting from making it easier for students to browse learning materials, utilizing social media for discussion, and so on. At first, they were not very active in using the internet, but since the Covid-19, the use of the internet has become more pronounced. The internet is used for online learning, due to conditions that do not allow face-to-face learning. From the use of the internet, the writer wants to know whether there is a role for the internet on students' understanding. The purpose of this study is to find out the role of the internet in facilitating students' understanding of Islamic Cultural History (SKI). There are several problems that the authors found, including how the role of the internet facilitates students' understanding of the history of Islamic culture, the supporting and inhibiting factors, and the teacher's efforts in implementing the internet. The research method used is descriptive qualitative research in which the author wants to accurately describe the role of the internet on students' understanding and after the author conducted research, the results showed that the internet played a very important role in student understanding, where students could access material using the internet, facilitating learning during the pandemic , access video lessons and discuss via social media

Implementasi Pendidikan Akhlak dalam Membentuk Kepribadian Muslim Peserta Didik

This study aims to (1) find out the moral education program in shaping the Muslim personality of students (2) find out the implementation of moral education in shaping the Muslim personality of students (3) find out the supporting and inhibiting factors in the implementation of moral education. This study uses a qualitative approach. Research data were collected through observation, interviews, and document analysis. The results of the study reveal that: (1) Moral education programs are generally divided into two activities, namely intracurricular and extracurricular. (2) The implementation of moral education through moral education programs in intracurricular and extracurricular activities is realized in the form of programs and activities divided into four types, namely daily programs and activities, weekly programs and activities, monthly programs and activities, annual programs and activities. (3) The supporting factors for the implementation of moral education in shaping the Muslim personality of students are motivation, facilities and infrastructure, and the role of the principal. In this case, to optimize the results of the moral education program in shaping the personality of Muslim students, there must be good cooperation and responsibility between foundations, principals, teachers, students, supporting facilities and infrastructure. The inhibiting factor for the implementation of moral education in shaping the personality of students is the lack of student awareness

PERTOLONGAN PERTAMA PENANGANAN TERSEDAK PADA ANAK PRA SEKOLAH

Penyempitan  jalan  napas bisa berakibat fatal jika itu mengarah pada gangguan serius oksigenasi dan ventilasi. Kondisi tersedak pada anak dapat menimbulkan situasi kegawatdaruratan respirasi yang jika tidak ditangani dengan segera dapat mengancam jiwa ataupun kecacatan anak. Penanganan yang dilakukan biasanya berhasil dan tingkat kelangsungan hidup sebesar 95%. Tujuan pengabdian masyarakat ini untuk mengetahui dan mengaplikasikan prosedur pertolongan pertama pada anak tersedak (choking). Metode pengabdian masyarakat ini dilakukan dengan ceramah, demonstrasi dengan alat peraga dan tanya jawab. Kesimpulan didapatkan orangtua dan guru mampu mengetahui  dan mengaplikasikan pertolongan pertama pada anak tersedak (choking) sesudah diberikan pelatihan

Meningkatkan Hasil Belajar Siswa Melalui Metode Eksperimen Dalam Pembelajaran IPA Di Kelas V SDN Meselesek

Tujuan penelitian ini adalah untuk meningkatkan hasil belajar siswa kelas V SDN Meselesek melalui penerapan metode eksperimen pada pembelajaran IPA.Permasalahan dalam penelitian ini adalah rendahnya hasil belajar siswa pada mata pelajaran IPA. Jenis penelitian adalah penelitian tindakan kelas (classroom action research ) yang dilakukan dalam 2 siklus, masing – masing siklus terdiri dari 4 tahap, yakni perencanaan, pelaksanaan, observasi dan refleksi. Setiap siklus dilakukan 2 kali pertemuan. Subyek penelitian ini adalah siswa kelas V SDN Meselesek dengan jumlah siswa 16 orang yang terdiri dari 8 siswa laki – laki dan 8 siswa perempuan. Pada siklus I pertemuan I dari 16 siswa yang mengikuti tes formatif, terdapat 9 siswa ( 56,25 %) yang tidak tuntas dan pertemuan II terdapat 7 siswa ( 43,75 % ) yang tidak tuntas, hal ini menunjukkan bahwa penggunaan metode eksperimen belum berhasil sehingga perlu dilakukan refleksi untuk ditindaklanjuti pada siklus II. Pelaksanaan pembelajaran pada siklus II guru lebih giat dalam membimbing dan mengarahkan siswa dalam melakukan eksperimen. Hasil tes formatif siklus II pertemuan I masih terdapat 2 siswa ( 12,5% ) yang belum tuntas dan pada pertemuan II terdapat 16 siswa (100 %) berhasil tuntas. Berdasarkan hasil penelitian tersebut dapat disimpulkan bahwa penggunaan metode eksperimen dapat meningkatkan hasil belajar siswa kelas V SDN Meselesek pada mata pelajaran IPA