AN ANALYSIS OF THE DIFFICULTIES IN PRONUNCIATION OF -RL -RN -RD ENDING WORDS FACED BY GRADES 5 AND 6 STUDENTS OF SDN WONOREJO 2

Pronunciation is essential for delivering a speech to avoid miscommunication. The study attempts to achieve the objective stated in the issue statement is to describe the way how the students of grades five and six of SDN WONOREJO 2 pronounce the words that consist of -rl, -rn, -rd endings. This study aims to describe the student's difficulties in pronouncing the -rn. -rl, -rd ending and observed the students of grades 5 and 6 at SDN WONOREJO 2 based on the pronunciation through the consonant. This thesis's research subject is the grades five and six students in WONOREJO 2 Elementary School. Grade five has nine students, while grade six has nine students. This study employs mixed methods which are descriptive quantitative and descriptive qualitative research methodologies to analyze data obtained from respondents' observations and interviews. Based on the findings and discussion in the previous chapter out of eighteen students three students are considered as D in the percentage with the ranges of 40%-54,9% with 46%-58%. Five teen students are considered as E in the percentage with the ranges of <40% with 4%-37% and 100% of the eighteen students have difficulties pronouncing the word burn /bɜːn/. The researcher concludes that most of the students in grades five and six at SDN WONOREJO 2 have difficulties in pronunciation especially in twenty-four -rn, -rl, -rd ending words as follows, learn, earn, corn, saturn, burn, return, modern, western, born, turn, girl, earl, pearl, curl, blackboard, cupboard, record, forward, third, word, hard, bird, heard and reward. The researcher found that the difficulties the students have in grades 5 and 6 at SDN WONOREJO 2 are usually influenced by the mother tongue, age, and classroom environments

ANALISIS PENYEBAB PERKAWINAN DI BAWAH UMUR YANG BERDAMPAK PADA PERCERAIAN DI KELURAHAN JONTLAK KECAMATAN PRAYA TENGAH

This study aims to examine and analyze the causes of early marriages under the age of 19 which often occurs and has an impact on divorce and the role of the Religious Court in preventing divorce cases caused by marriage underage in Jontlak Village, Central Praya District. The method used in this research is the "socio legal research" method, this method was referred to as the "non doctrinal" method. It uses legal rules in social research and the legal rules were basically empirical. The results showed that, the cause of marriage underage has an impact on divorce which is caused by 7 (seven) factors, where the highest factor is the economic level, followed by the level of parental education, emotional and psychological sides, social and cultural phenomena, knowledge and reproductive health, media electronic, and the last, pregnant out of wedlock. The Religious Court has several prevention methods in preventing divorce cases caused by marriage underage, such as: (1) Giving dispensation with conditions in terms of substance; (2) Giving dispensation with conditions in terms of administration; (3) Offering counseling on the risks of marriage underage; (4) Socializing to strengthen the role of the family; (5) Strengthening of the Marriage Counseling and Preservation Agency (BP4); and (6) Optimizing the mediation

Can banks provide liquidity in a financial crisis?

In financial crises of the recent past, investors often withdrew from securities markets and placed their funds into safer assets, such as U.S. Treasuries and bank deposits. During such episodes, a wide range of businesses shut out of securities markets sought to fund their operations by drawing down credit lines established with banks during normal times. Awash with funds from depositors seeking a safe haven, banks had no difficulty meeting these increased credit demands. Thus, banks helped avoid financial disruptions and business liquidations that would have occurred in the absence of a liquidity backstop. ; In 2007-09, however, banks were at the center of the financial crisis. While significant risks were present in some other financial institutions, this crisis was special in that commercial banks were much more exposed to losses than in recent past crises. This key feature of the crisis casts doubt on the notion that banks are a natural source of liquidity during financial crises. Were bank deposits still viewed as a safe haven, and if not, how compromised was their ability to meet the demand for liquidity? ; Mora examines how commercial bank deposits and lending evolved during the recent crisis compared with past episodes of financial stress. She concludes that the bank-centered nature of the crisis made it harder than in the past for banks to attract deposits and provide liquidity to borrowers shut out of securities markets.

Lender exposure and effort in the syndicated loan market

This paper tests for agency problems between the lead arranger and syndicate participants in the syndicated loan market. One problem comes from adverse selection, whereby the lead arranger has a private informational advantage over participants. A second problem comes from moral hazard, whereby the lead arranger puts less effort in monitoring when it retains a smaller loan portion. Applying an instrumental variables strategy, I find that borrowers' performance is influenced by the lead's share. Dynamic tests extract active contributions made by the lead, supporting a monitoring interpretation. Loan covenants serve as a mechanism to induce the lead arranger to monitor.