Perlindungan Hukum Atas Kreditur Yang Menggunakan Jaminan Personal

Personal guarantees embodied in the agreement do not stipulate special conditions that require the guarantor to submit something tangible which will make it easier for the creditor to take action if the debtor defaults and guarantor breaks promises, this is what makes the underwriting agreement less meaningful or meaningful in its function as collateral which is manifested in a separate deed, individual guarantee seems to be only a moral obligation. The method used in this research is normative juridical research, the data used is secondary data consisting of primary legal materials, secondary legal materials and tertiary legal materials. For data analysis, it was done by using qualitative juridical analysis method. The research results show that, it is still difficult to ask for the credit agreement arrangement and the provisions in the clause or individual guarantee conditions that can provide legal protection for creditors. In the implementation of billing bad credit through personal guarantees through the court by executing confiscation of guarantees against the assets of the personal guarantor, the results have not been optimal, because the personal guarantee agreement does not include information on the assets of the insurer and clauses that are compelling or binding on the assets of the insurer, so that in practice the court will have difficulty executing the property of the personal guarantor

IMPACT OF USING ICT IN TEACHING READING COMPREHENSION IN SECONDARY SCHOOLS IN KADUNA, NIGERIA

The study investigated the impact of using ICT in Teaching Reading Comprehension in Secondary Schools in Kaduna. Two randomly selected Government Secondary Schools (namely Government Secondary Schools Maraban Rido and Government Secondary School Tafawa Balewa. The schools were both tagged School ‘A’ and School ‘B’) were used for the study. The research design was pre-test, post-test, quasi experimental design. The pre-test was administered prior to teaching while the post-test was administered after six weeks of teaching. School ‘A’ was used as the experimental group while school B was used as the control school. The experimental school was exposed to reading comprehension lessons using ICT facilities such as computer, laptops and iPads. The control group was taught without ICT facilities. Both groups were tested after six weeks of teaching using reading comprehension test. The result revealed that the experimental group taught reading comprehension using ICT facilities performed better than the control group. Students in the experimental group were highly engaged and were able to demonstrate unique and creative ways of responding to text using the available ICT facilities. It was therefore recommended that teachers should introduce the use of ICT facilities in teaching reading comprehension in order to prepare students for the 21st century technology.  Article visualizations

Perbedaan Motivasi Belajar Siswa yang Membatu dengan yang Tidak Membatu Orang Tua Mencari Nafkah Kelas VIII di SMP 4 Tanah Putih

This research entitle “ Difference of motivation students learning which help with don't help parents. Earn life class VIII, ther pupose research is first for know describe of motivation students learning which hel parents earn life, second for know describe of motivation students learning which don't help parents earn life, third for know difference between motivation students learning which help parents earn with don't which help parents earn life. Which become sample in this research are students class VIII SMPN 4 Tanah Putih academic year 2013/2014. The method using in this research is discriptive. For collect data using enquette much fourty question. Based of solution can of poiled conclusion there are : This research find in parallel and carry theory have tell in solution. Percentage of motivation learning students SMPN 4 Tanah Putih which help parents earn life reside in high category is 29%, middle 47% and low is 24 % and then problem of motivation learning students SMPN 4 Tanah Putih which don't help parents earn life reside in high category is 30 %, middle 49 % an low 21 %. The defference s significance of 1,67 %

Pattern, Risk Factors, and Outcome of Acute Stroke in a Nigerian University Teaching Hospital: A 1‑Year Review

Background: This study aimed to document the pattern, risk factors, in‑hospital outcomes, and stroke mortality in a hospital over oneyear. Materials and Methods: Acute stroke patients admitted at the Lagos State University Teaching Hospital between October 2019 andSeptember 2020 had their records reviewed. Information including age, sex, risk factors, stroke type, access to neuroimaging, and the in‑hospital outcome was extracted and analyzed. Results: A total of 230 patient records were included in this study. The proportion of intracerebral hemorrhage (ICH) was 44.8%, while  ischemic stroke was 52.2%. Only 9.1% of ischemic stroke cases had an onset‑to‑arrival time of fewer than nine hours, with just three thrombolytic therapy given. The 30‑day mortality was 28.7%, lesser among younger patients and patients managed in the stroke unit. Conclusion: The hospital incidence of ICH was close to that of ischemic stroke. Mortality data confirms the importance of management in a stroke unit. Keywords: Nigeria, outcome, pattern, risk factors, strok

Perancangan Aplikasi Web Dengan Menggunakan Algoritma Apriori Pada Data Mining Untuk Mengetahui Pola Pembelian Konsumen PT Cipta Tunggal Elektronik

PT. Cipta Tunggal Elektronik merupakan perusahaan yang bergerak dibidang distribusi sound system yang membutuhkan strategi promosi dalam penjualannya. Analisa pola pembelian konsumen dapat membantu perusahaan dalam membentuk paket penjualan agar promosi yang dilakukan tepat sasaran. Proses menganalisa pola pembelian konsumen yang dilakukan secara manual tentu akan membutuhkan waktu dan tenaga yang lebih besar. Oleh karena itu, maka dilakukan penelitian serta perancangan sebuah aplikasi yang dapat mengetahui pola pembelian konsumen dengan metode asosiasi, serta menggunakan apriori sebagai algoritmanya. Oleh karena itu, maka diperlukan sebuah rancangan aplikasi berbasis web dengan algoritma apriori. Hasil dari penelitian ini adalah dibuatnya sebuah aplikasi berbasis web yang dapat melakukan analisa pola pembelian dari data transaksi yang dimasukkan, dengan cara menentukan rentang tanggal pada data yang ingin dianalisa, serta memasukkan nilai minimum support dan minimum confidence yang diinginkan

APOE E4 is associated with impaired self-declared cognition but not disease risk or age of onset in Nigerians with Parkinson's disease

The relationship between APOE polymorphisms and Parkinson's disease (PD) in black Africans has not been previously investigated. We evaluated the association between APOE polymorphic variability and self-declared cognition in 1100 Nigerians with PD and 1097 age-matched healthy controls. Cognition in PD was assessed using the single item cognition question (item 1.1) of the MDS-UPDRS. APOE genotype and allele frequencies did not differ between PD and controls (p > 0.05). No allelic or genotypic association was observed between APOE and age at onset of PD. In PD, APOE ε4/ε4 conferred a two-fold risk of cognitive impairment compared to one or no ε4 (HR: 2.09 (95% CI: 1.13-3.89; p = 0.02)), while APOE ε2 was associated with modest protection against cognitive impairment (HR: 0.41 (95% CI 0.19-0.99, p = 0.02)). Of 773 PD with motor phenotype and APOE characterized, tremor-dominant (TD) phenotype predominated significantly in ε2 carriers (87/135, 64.4%) compared to 22.2% in persons with postural instability/gait difficulty (PIGD) (30/135) and 13.3% in indeterminate (ID) (18/135, 13.3%) (p = 0.037). Although the frequency of the TD phenotype was highest in homozygous ε2 carriers (85.7%), the distribution of motor phenotypes across the six genotypes did not differ significantly (p = 0.18). Altogether, our findings support previous studies in other ethnicities, implying a role for APOE ε4 and ε2 as risk and protective factors, respectively, for cognitive impairment in PD

Safety and efficacy of the ChAdOx1 nCoV-19 vaccine (AZD1222) against SARS-CoV-2: an interim analysis of four randomised controlled trials in Brazil, South Africa, and the UK.

BACKGROUND: A safe and efficacious vaccine against severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2), if deployed with high coverage, could contribute to the control of the COVID-19 pandemic. We evaluated the safety and efficacy of the ChAdOx1 nCoV-19 vaccine in a pooled interim analysis of four trials. METHODS: This analysis includes data from four ongoing blinded, randomised, controlled trials done across the UK, Brazil, and South Africa. Participants aged 18 years and older were randomly assigned (1:1) to ChAdOx1 nCoV-19 vaccine or control (meningococcal group A, C, W, and Y conjugate vaccine or saline). Participants in the ChAdOx1 nCoV-19 group received two doses containing 5 × 1010 viral particles (standard dose; SD/SD cohort); a subset in the UK trial received a half dose as their first dose (low dose) and a standard dose as their second dose (LD/SD cohort). The primary efficacy analysis included symptomatic COVID-19 in seronegative participants with a nucleic acid amplification test-positive swab more than 14 days after a second dose of vaccine. Participants were analysed according to treatment received, with data cutoff on Nov 4, 2020. Vaccine efficacy was calculated as 1 - relative risk derived from a robust Poisson regression model adjusted for age. Studies are registered at ISRCTN89951424 and ClinicalTrials.gov, NCT04324606, NCT04400838, and NCT04444674. FINDINGS: Between April 23 and Nov 4, 2020, 23 848 participants were enrolled and 11 636 participants (7548 in the UK, 4088 in Brazil) were included in the interim primary efficacy analysis. In participants who received two standard doses, vaccine efficacy was 62·1% (95% CI 41·0-75·7; 27 [0·6%] of 4440 in the ChAdOx1 nCoV-19 group vs71 [1·6%] of 4455 in the control group) and in participants who received a low dose followed by a standard dose, efficacy was 90·0% (67·4-97·0; three [0·2%] of 1367 vs 30 [2·2%] of 1374; pinteraction=0·010). Overall vaccine efficacy across both groups was 70·4% (95·8% CI 54·8-80·6; 30 [0·5%] of 5807 vs 101 [1·7%] of 5829). From 21 days after the first dose, there were ten cases hospitalised for COVID-19, all in the control arm; two were classified as severe COVID-19, including one death. There were 74 341 person-months of safety follow-up (median 3·4 months, IQR 1·3-4·8): 175 severe adverse events occurred in 168 participants, 84 events in the ChAdOx1 nCoV-19 group and 91 in the control group. Three events were classified as possibly related to a vaccine: one in the ChAdOx1 nCoV-19 group, one in the control group, and one in a participant who remains masked to group allocation. INTERPRETATION: ChAdOx1 nCoV-19 has an acceptable safety profile and has been found to be efficacious against symptomatic COVID-19 in this interim analysis of ongoing clinical trials. FUNDING: UK Research and Innovation, National Institutes for Health Research (NIHR), Coalition for Epidemic Preparedness Innovations, Bill & Melinda Gates Foundation, Lemann Foundation, Rede D'Or, Brava and Telles Foundation, NIHR Oxford Biomedical Research Centre, Thames Valley and South Midland's NIHR Clinical Research Network, and AstraZeneca

Safety and efficacy of the ChAdOx1 nCoV-19 vaccine (AZD1222) against SARS-CoV-2: an interim analysis of four randomised controlled trials in Brazil, South Africa, and the UK

Background A safe and efficacious vaccine against severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2), if deployed with high coverage, could contribute to the control of the COVID-19 pandemic. We evaluated the safety and efficacy of the ChAdOx1 nCoV-19 vaccine in a pooled interim analysis of four trials. Methods This analysis includes data from four ongoing blinded, randomised, controlled trials done across the UK, Brazil, and South Africa. Participants aged 18 years and older were randomly assigned (1:1) to ChAdOx1 nCoV-19 vaccine or control (meningococcal group A, C, W, and Y conjugate vaccine or saline). Participants in the ChAdOx1 nCoV-19 group received two doses containing 5 × 1010 viral particles (standard dose; SD/SD cohort); a subset in the UK trial received a half dose as their first dose (low dose) and a standard dose as their second dose (LD/SD cohort). The primary efficacy analysis included symptomatic COVID-19 in seronegative participants with a nucleic acid amplification test-positive swab more than 14 days after a second dose of vaccine. Participants were analysed according to treatment received, with data cutoff on Nov 4, 2020. Vaccine efficacy was calculated as 1 - relative risk derived from a robust Poisson regression model adjusted for age. Studies are registered at ISRCTN89951424 and ClinicalTrials.gov, NCT04324606, NCT04400838, and NCT04444674. Findings Between April 23 and Nov 4, 2020, 23 848 participants were enrolled and 11 636 participants (7548 in the UK, 4088 in Brazil) were included in the interim primary efficacy analysis. In participants who received two standard doses, vaccine efficacy was 62·1% (95% CI 41·0–75·7; 27 [0·6%] of 4440 in the ChAdOx1 nCoV-19 group vs71 [1·6%] of 4455 in the control group) and in participants who received a low dose followed by a standard dose, efficacy was 90·0% (67·4–97·0; three [0·2%] of 1367 vs 30 [2·2%] of 1374; pinteraction=0·010). Overall vaccine efficacy across both groups was 70·4% (95·8% CI 54·8–80·6; 30 [0·5%] of 5807 vs 101 [1·7%] of 5829). From 21 days after the first dose, there were ten cases hospitalised for COVID-19, all in the control arm; two were classified as severe COVID-19, including one death. There were 74 341 person-months of safety follow-up (median 3·4 months, IQR 1·3–4·8): 175 severe adverse events occurred in 168 participants, 84 events in the ChAdOx1 nCoV-19 group and 91 in the control group. Three events were classified as possibly related to a vaccine: one in the ChAdOx1 nCoV-19 group, one in the control group, and one in a participant who remains masked to group allocation. Interpretation ChAdOx1 nCoV-19 has an acceptable safety profile and has been found to be efficacious against symptomatic COVID-19 in this interim analysis of ongoing clinical trials