Pengembangan produk asuransi Mitra Mabrur Plus AJB Bumiputera 1912 dengan mempartisi dana tabarru

Pengembangan produk asuransi Mitra Mabrur Plus dilakukan untuk merancang lebih banyak manfaat yang diperuntukkan bagi nasabah dan ahli warisnya. Manfaat awal yang ditawarkan hanya berupa dana klaim kematian. Dengan mempartisi dana tabarru yang diperoleh dari dana premi yang rutin dibayarkan oleh nasabah, nasabah akan memperoleh manfaat tambahan berupa pengcoveran biaya rumah sakit, pengcoveran biaya jika terserang 40 penyakit kritis, dan dana santunan kematian. Untuk mengetahui respon dari pengembangan produk asuransi Mitra Mabrur Plus ini, penyebaran kuesioner dilakukan ditujukan kepada para nasabah yang terikat dengan polis asuransi Mitra Mabrur Plus. Hasil kuesioner menunjukkan bahwa kesediaan untuk menambah jumlah unit merupakan faktor signifikan yang mempengaruhi nasabah untuk menambah jumlah unit. The development of Mitra Mabrur Plus is done for designing to give additional riders to client and his/her heir. The early rider that offered was only death coverage. By partiting the tabarru account that obtained from the premium fee which is paid routinely by the client, client will get additional riders like the coverage for hospital bills, coverage for 40 critical illnesses, and death benefit fee. For knowing the responses from Mitra Mabrur Plus’s development, spreading the questionnaire is done to the clients which bound by the Mitra Mabrur Plus’s policy. The result from the questionnaire shows that agreement for adding more units is significant factor that affect clients for adding more units

Analysis of packaging defect on goat milk caramel candy in Etawa Agroprima

Goat's milk has the same benefits as cow's milk. Goat's milk contains many nutrients, especially complete protein from all kinds of essential amino acids. Etawa Agroprima is a company engaged in the processing and marketing dairy products. One of the products produced is goat's milk caramel candy. These candies are packaged using candy wrappers and diamond paper, which is covered with paper again, then put into PE plastic, sealed using a sealer, and put in a cardboard box. This packaging is intended to maintain the quality of the candy because the candy is easily runny if left open so that the caramel candy is not easily damaged. Writing this final project aims to determine the types of defects that occur in caramel candy products, the number of defective products for the entire product, and the causes of product defects—analysis of product types and defects using Pareto diagram analysis, while the cause using fishbone diagram analysis. Analysis of the data obtained on Etawa Agroprima using the two diagrams shows that the results of the Pareto diagram analysis show three types of defects, including torn packaging 75.56%, damaged packaging 13.33%, and no expiration label 11.11%. Then from the fishbone diagram analysis, it can be seen that the main factor causing defects in goat's milk caramel candy products is the packaging factor. Some root causes include manual production and packaging work, not using modern packaging equipment, contamination by physical contact, etc. Therefore, it is necessary to use automatic packaging tools

PENGEMBANGAN SPECIES IDENTIFICATION GUIDE POHON DAN PERDU SEBAGAI SARANA IDENTIFIKASI KEANEKARAGAMAN TUMBUHAN DI SEKOLAH

Sarana identifikasi merupakan salah satu alat yang digunakan dalam membantu proses identifikasi. Sarana identifikasi tumbuhan yang diperuntukkan bagi siswa di sekolah masih terbatas. Tujuan penelitian ini adalah menghasilkan SIG pohon dan perdu Keanekaragaman Tumbuhan di Sekolah yang layak secara teoretis dan empiris, mendeskripsikan kelayakan SIG pohon dan perdu secara teoretis berdasarkan hasil validasi, dan secara empiris berdasarkan pengamatan aktivitas siswa, respons guru, respons siswa dan komentar siswa terhadap SIG. Penelitian ini merupakan penelitian pengembangan menggunakan model instruksional Fenrich yang terdiri dari tahap analisis, perencanaan, perancangan, pengembangan, implementasi, dan tahap evaluasi serta revisi yang dilakukan pada setiap akhir tahapan.Tahap analisis, perencanaan, dan perancangan dilakukan di Jurusan Biologi Unesa. Uji coba terbatas dilakukan pada 10 siswa dari SMAN 1 Kalitidu dan 10 siswa dari SMA Muhammadiyah 2 Surabaya. Parameter penelitian ini mencakup hasil validitas, aktivitas siswa, respons siswa, respons guru yang dianalisis secara deskriptif kuantitatif dan komentar siswa terhadap SIG dianalisis secara deskriptif kualitatif. Hasil penelitian menunjukkan bahwa SIG pohon dan perdu layak digunakan sebagai sarana identifikasi. Kelayakan SIG secara teoretis berdasarkan hasil validasi dinyatakan sangat layak. Kelayakan empiris berdasarkan pengamatan aktivitas siswa dinyatakan sangat aktif, berdasarkan respons guru dan respons siswa dinyatakan sangat layak, dan mendapatkan komentar positif dari siswa. SIG Pohon dan Perdu dinyatakan layak digunakan sebagai saran identifikasi tumbuhan.                                                                                                                                         Kata Kunci: Keanekaragaman Tumbuhan, Pohon dan Perdu, Sarana Identifikasi, Species Identification Guid

ANALISA MANFAAT PEMBIAYAAN GADAI EMAS SYARIAH: STUDI KASUS BANK SYARIAH MANDIRI-TOMANG RAYA

One of the superior products that distinguish between Islamic banks and conventional banks is Rahn or a pawn. However, these products are not owned by all Islamic banks. Furthermore, one of the sharia banks that have gold Rahn products or sharia gold pawn financing is Bank Syariah Mandiri (BSM), where BSM is also the largest Islamic bank with assets in Indonesia. This study aims to analyze the use of Islamic bank gold pawn financing for the community. The method used is a qualitative descriptive method with primary data. The sample used is customers of the BSM Tomang Raya Branch who have gold pawn financing facilities, amounting to 30 customers. The research questions are (i) What are the characteristics of the customers of sharia gold pawn financing;(ii) How is the use of Islamic gold pawn financing. The results of the research show that the majority of the age range of customers for sharia gold pawn financing is productive age (30-49 years), the majority of the sexes are women, the occupation of the majority of customers is private employees, the majority of customers› income is> IDR 5,000,000 per month. , the majority of customer education is S-1 and the religion of the majority of customers is Muslim. In addition, the use of borrowed money from sharia gold pawn financing is intended for consumer needs

Penyesuaian Diri, Dukungan Sosial, dan Gaya Belajar Visual terhadap Stres Akademik Siswa di Masa Pandemi

Penelitian ini bertujuan untuk menguji secara empiris pengaruh penyesuaian diri, dukungan sosial, gaya belajar visual terhadap stress akademik pada siswa kelas VII SMP X Yogyakarta. Metode penelitian ini adalah metode kuantitatif dengan skala model likert sebagai alat pengumpulan data. Sampel penelitian ini adalah siswa kelas VII SMP X Yogyakarta.Teknik pengambilan sampel dilakukan dengan teknik cluster random sampling. Analisis data penelitian ini adalah teknik analisis regresi berganda dengan bantuan program SPSS 21. Hasil analisis data menunjukan : (1) terdapat pengaruh yang sangat signifikan antara penyesuaian diri, dukungan sosial, gaya belajar visual terhadap stres akademik yang ditunjukan dari F reg = 107,076 dengan nilai p = 0,000 (p<0,01). (2) terdapat pengaruh penyesuaian diri terhadap stres akademik yang ditunjukan dari nilai t = -13,349 dengan nilai p = 0,000 (p<0,01). (3) tidak terdapat pengaruh yang signifikan antara dukungan sosial dengan stres akademik yang ditunjukan dengan nilai t = -1,726 dengan nilai p = 0,086 (p>0,01). (4) Tidak terdapat pengaruh yang signifikan antara gaya belajar visual dengan stres akademik yang dapat dilihat dari nilai t= 1,944 dengan nilai p = 0,054 (p>0,01). Kesimpulan hasil penelitian ini adalah terdapat pengaruh penyesuaian diri, dukungan sosial, gaya belajar visual terhadap stress akademik

Hand Hygiene: Hand Washing vs. Hand Sanitizer for Killing the Germs

This study was conducted to compare handwashing using soap and hand sanitizer to kill germs on hands. Hand washing is one of the preventive measures to avoid various diseases that can be transmitted through hands. In addition, the COVID-19 pandemic which has attacked almost all over the world has forced various levels of society to pay more attention to hygiene, especially hand hygiene which can be a bridge for the spread of the virus. The research conducted in this article uses qualitative research methods based on reviews and analysis from several journals related to the comparison of the effectiveness of handwashing using soap and hand sanitizer. The results showed that there was a difference in the number of microorganisms in the hands before and after washing hands. Soap and hand sanitizer can eliminate microorganisms because both of these ingredients contain ingredients that can reduce the number of harmful bacteria in the hands such as alcohol and triclosan. From the analysis of several journals related to the effectiveness of handwashing using soap and hand sanitizer can be concluded that hand washing using soap and water is considered more effective to eliminate microorganisms on the hands than just the use of hand sanitizer

Knowledge of Pharmacy Department Students Poltekkes Kemenkes Medan About Vaccination Covid-19

Corona Disease 19 is a coronavirus infectious disease with a high rate of transmission that primarily affects the respiratory tract. As a result, the Indonesian government established the COVID-19 immunization campaign in order to break the chain of transmission of the COVID-19 virus. Many are still afraid to get the COVID-19 vaccination due to the spread of information concerning harmful post-immunization occurrences. The goal of this study was to describe the level of student understanding regarding the COVID-19 immunization at the Pharmacy Department of the Medan Ministry of Health's Health Polytechnic. This is a descriptive survey that use the purposive sampling approach. The total population is 261 people, and the sample size is 158 people. A questionnaire that had already been validated was distributed using the Google Form in order to collect the data. The findings revealed that the average knowledge of vaccination fundamentals (72.6%), vaccine kinds (75.44%), and requirements and stages of the COVID-19 immunization (74.94%) was in a category of reasonable quality. Even though the level of knowledge about the purpose of vaccination is in the good category (91.89%).  In generally, the description of the level of student knowledge about the COVID-19 vaccination at the Pharmaceutical Department of the Medan Ministry of Health Polytechnic is in the good category (78.98%). It is expected that even this factual information will inform and encourage the public to take part in COVID-19 immunization campaigns. Keyword: Covid-19, Immunization, Knowledge, Pharmacy, Studen