Metode Improved CHAID (Chi-squared Automatic Interaction Detection) Pada Analisis Kredit Macet BMT (Baitul Mal Wa Tamwil)

Penelitian ini bertujuan untuk menetukan segmentasi nasabah berdasarkan karakteristik status kreditnya pada BMT El Bummi 372. Segmentasi ini bertujuan untuk mengidentifikasi segmen nasabah potensial dengan harapan resiko kredit macet yang dapat diminimumkan. Penelitian ini menggunakan data sekunder, yang terdiri dari 945 nasabah yang terdiri dari 94 macet dan 851 tidak macet. Salah satu metode riset segmentasi yaitu Improved CHAID (Chi-Squared Automatic Interaction Detection analysis) yang merupakan perbaikan dari metode CHAID dengan mengelaborasi tabel kontingensinya dengan Tschuprow's T. Improved CHAID akan menghasilkan diagram yang mirip dengan diagram pohon keputusan yang menyediakan informasi tentang derajat hubungan antara variabel dependen terhadap variabel independen serta informasi mengenasi karakteristik segmen. Pada kasus BMT El Bummi 372,didapatkan enam segmen. Segmen nasabah dengan karakteristik pendidikan (Diploma/S1/Profesi, S2/S3), usia ≤ 50 tahun, ukuran keluarga ≤ 3 orang dan penghasilan >Rp. 1.500.000,00 adalah segmen yang memiliki rasio kredit macet yang paling rendah

THE ABILITY OF TEACHERS IN THE MAKING OF MULTIMEDIA-BASED LEARNING MEDIA IN SMK N 2 DEPOK SLEMAN ACADEMIC YEAR 2010/2011

As one important aspect in education, multimedia certainly already signed to the sphere of learning. In line with this, teachers are required to have competency in the making multimedia-based learning media. In this regard, researchers conducted the research that aims to determine the ability of teachers in the making multimedia-based learning media. This research is ex-post facto by purposive sampling technique sampling. Respondents in this study were teachers of 3 courses of Teknik Audio Video 2 people, Teknik Geologi Pertambangan 4 people and Teknik Komputer Jaringan 3 people. Sources of research data is a multimedia learning media products made by the respondent with Microsoft PowerPoint software. Assessment criteria refer to the standard criteria developed by the Human Resources of Concordia University, the University of Wisconsin-Stout, and Nancy Clark with a license SCLinks. The results showed that the ability of teachers in making of multimedia-based learning media in SMK N 2 Depok Sleman 2010/2011 academic year varies from Novice, Skilled, and Experts. Percentage of each level is Novice at 11% of the total respondents, Skilled level at 33% of the total respondents, and Experts at 56% of the total respondents. Ability is not evenly distributed, with the dominance of high ability / proficient (Experts) in Teknik Komputer Jaringan course. Keyword: Ex-post Facto, the ability of teachers, media, learning media, multimedi

Identifikasi Kompetensi Lulusan Mahasiswa Program Studi Pendidikan Seni Rupa Tahun 2011-2015

Penelitian ini bertujuan mengidentifikasi jenis, topic, dan lama waktu penyelesaian skripsi. Jenis penelitian deskriptif, subjek mahasiswa prodi PSR yang lulus dalam lima tahun terakhir (2011- 2015). Sumber data dokumen. Hasil penelitian menunjukkan 138 lulusan tergambar sebagai berikut (1) Jenis skripsi kajian 85 judul, penciptaan/perancangan 37 judul, pengembangan 12 judul, uji coba 4 judul; (2) Topik skripsi mahasiswa dikembangkan dari jenis skripsi. Jenis kajian seni murni 7 judul, kajian desain/Seni Terapan 21 judul, Kajian Kriya 33judul, Kajian Pembelajaran 29 judul, Kajian Pendidikan 2 judul, Penciptaan Seni Murni 7 judul, Perancangan Desain Grafis 16 judul, Penciptaan Kriya 6 judul, Pengembangan Kriya 8 judul, Uji coba bahan 4 judul, Pengembangan media pembelajaran 4 judul, Biografi Tokoh 1 judul; (3)Lama waktu menyusun bervariasi. Satu semester 61, dua semester 43, tiga semester 27, empat semester 6, lima semester 8, enam semester 6, tujuh semester 20. Faktor penghambat: tidak rutin konsultasi/ bimbingan, Kesulitan dalam mendeskripsikan hasil penelitiannya, Terikat dengan pekerjaan, bagi beberapa mahasiswa yang sambil bekerja

Analisis Efektivitas Organisasi Kantor Unit Pelaksana Teknis Dinas (Uptd) Perwakilan Kabupaten Tolitoli Di Kota Palu

This study aims at analyzing the Organizational effectiveness on the Office of Technical Implementation Unit (UPTD) of Tolitoli Representative in Palu using qualitative descriptive analysis. Informants of this research are the officers in Technical Implementation Unit Office (UPTD) of Tolitoli Representative, other associated institutions and staying guests, which are determined purposively with data collection methods consisted of observation, interviews and documentation, while the technique of data analysis includes data reduction, data display and drawing conclusions and verification. Results of the research show that the organizational effectiveness of the UPTD office of Tolitoli representative has not been completely worked well yet, due to several factors of organizational effectiveness which are not executed, i.e. the factor of organizational characteristic where in the arrangement of the organizational structure, it is necessary to repair or realignment by adding some level of departemenization for grouping tasks and responsibility into multiple unit/section, environmental characteristics, namely internal environment, especially the provision of office facilities and accommodation needs to be recovered and revamped to improve the quality of service, and to its external environment in terms of the relationship with the institutions in the capital of Central Sulawesi province is already running well. The officers characteristics, considering the human resources, need to be increased in terms of capability and expertise through education, training and courses, as well as the implementation of policies and management practices needs to set up the Operational Procedures Standard (SOP) and the Minimum Service Standards (SPM) to improve the quality of service to the organizational effectiveness

THE DIFFICULTIES OF WRITING SCIENTIFIC WORK AT THE ENGLISH EDUCATION STUDENTS

The purpose of this study was to determine the students’ difficulties in writing scientific papers at the English Language Education, Universitas Muslim Indonesia and to find out the needs and learning objectives of the students. The sample was consisted of 44 English Education students registered at the UMI Faculty of Literature during the 2018/2019 academic year. To examine this problem, the study was conducted in a descriptive quantitative design. The instrument used in this study was questionnaires. Research questions consist of: 1) what are the difficulties faced by English Education major students in academic / scientific writing? 2) what are the common errors of English Education students in writing scientific papers? 3) what teaching approach can facilitate success in scientific writing? Based on the results of the study, the difficulties faced in the process of writing scientific papers were related to aspects of grammar (31%), scientific writing style / rules (24%), vocabulary, spelling and coherence (11%), writing arrangement (7%) and punctuation (5%); Three common errors that occur in writing scientific papers namely spelling (29.2%), use of capital letters (17, 75%), and punctuation (15.27%). The approaches needed by the teachers to strengthen and help students to improve their scientific writing referred to reviewing writing such as the level of words, sentences, paragraphs, and grammar, making outlines, applying three steps in the writing process such as planning, writing and revision, and understanding the formal and informal styles as well as oral and written forms so as to be able to avoid words and phrases that were not needed

Kepailitan Badan Hukum Bum Desa Dalam Peraturan Perundang-Undangan Di Indonesia

Abstract: The Village Autonomy Provides the widest possible authority to the village to explore and manage the economic potensial of the village, including by forming village owned enterprises (BUM Desa). After the issuance of government Regulation of Law No. 2 of 2022 concerning job creation which recently Received validation as a law, there has been a charge in the institutional aspect of village Owned Enterprises (BUM Desa). BUM Desa, which previously only existed as a business entity, has now transformed into a legal entity. The legal entity form of BUM Desa is different from other legal entity forms in Indonesia, such as Limited Liability Company, State-Owned Enterpries, and Cooperatives. The Transformation from a more business entity to a legal entity has legal implications not only institutionally, but also in term of legal relationships with other parties. As s legal entity, BUM Desa is also granted authority to establish legal entity based business units. These legal implications may lead to bankruptcy Of BUM Desa if not managed properly. However, there is currently no adequate legal framework that regulates in detail the mechanism for filing bankruptcy petition to the commercial court to declare BUM Desa Bankrupt, and the legal consequences of BUM Desa being declared bankrupt, including related to its assets, wealth, and organizational structure. This research uses a doctrinal and theoretical legal research method with an approach to legislation and conceptual concepts. The Conclusion of this research is that more detailed regulations are needed regarding the legal entity form of BUM Desa, especially concerning bankruptcy of BUM Desa. Keywords: BUM Desa, legal Entity, Bankruptcy.  Abstrak: Otonomi Desa memberikan kewenangan seluas-luasnya kepada Desa untuk menggali dan mengelola potensi ekonomi desa, salah satunya dengan membentuk Badan Usaha Milik Desa (BUM Desa). Pasca terbitnya Peraturan Pemerintah Pengganti Undang-Undang No. 2 Tahun 2022 Tentang Cipta Kerja yang beberapa waktu yang lalu mendapatkan pengesahan menjadi undang-undang, terjadi perubahan secara kelembagaan mengenai BUM Desa. BUM Desa yang sebelumnya hanya berbentuk badan usaha, sudah berganti menjadi badan hukum. Bentuk badan hukum BUM Desa berbeda dengan badan usaha yang berbentuk badan hukum yang sudah terdapat di Indonesia seperti Perseroan Terbatas, Perusahaan Umum dan Koperasi. Perubahan bentuk dari hanya Badan Usaha menjadi Badan Hukum memiliki implikasi yuridis tidak hanya secara kelembagaan, tetapi juga hubungan hukum dengan pihak lain. BUM Desa sebagai badan hukum juga diberikan kewenangan untuk membentuk unit usaha yang berbadan hukum. Implikasi yuridis ini dapat berujung terhadap kepailitan BUM Desa apabila tidak dikelola dengan baik. Namun, belum terdapat pranata hukum yang memadai yang mengatur secara terperinci mengenai mekanisme permohonan kepada pengadilan niaga agar BUM Desa dinyatakan pailit dan akibat hukum BUM Desa dinyatakan pailit, baik terkait mengenai aset, kekayaaan maupun organ BUM Desa. Penelitian ini menggunakan metode penelitian hukum doktrinal dan teoritis dengan pendekatan peraturan perundang-undangan dan konseptual. Kesimpulan dari penelitian ini adalah diperlukan peraturan yang lebih terperinci mengenai bentuk badan hukum BUM Desa, terutama mengenai kepailitan BUM Desa. Kata Kunci: BUM Desa, Badan Hukum, Kepailitan