Penyelesaian Wanprestasi Pemberian Kredit tanpa Agunan dalam Pelaksanaan Penyediaan Dana Bergulir dan Kredit Mikro Program Nasional Pemberdayaan Masyarakat (PNPM) Mandiri (Studi di Desa Jambangan Kecamatan Besuk Kabupaten Probolinggo)

Karya ilmiah yang berjudul Penyelesaian Wanprestasi Pemberian Kredit Tanpa Agunan Dalam Pelaksanaan Penyediaan Dana Bergulir Dan Kredit Mikro Program Nasional Pemberdayaan Masyarakat (PNPM) Mandiri (Studi Di Desa Jambangan Kecamatan Besuk Kabupaten Probolinggo). Perjanjian kredit PNPM Mandiri merupakan perjanjian yang terjadi antara KSM (termasuk anggota-anggota KSM) dengan BKM. Perjanjian kredit PNPM Mandiri merupakan perjanjian yang telah memenuhi syarat sahnya perjanjian yaitu dalam pasal 1320 KUHPerdata. Pada perjanjian kredit PNPM Mandiri terdapat pula pernyataan mengenai kesanggupan tanngggung rentang antara anggota-anggota KSM, pernyataan ini telah memenuhi pasal 1282 KHUPerdata, namun pada pelaksanaannya di lapangan perikatan ini memiliki makna yang berbeda. Wanprestasi perjanjian kredit PNPM mandiri terjadi dalam bentuk terlambat berprestasi. Perjanjian kredit PNPM Mandiri tidak mencantumkan secara jelas tentang upaya penyelesaian jika terjadi wanprestasi baik yang dilakukan oleh BKM maupun yang dilakukan oleh KSM. Namun upaya yang telah dilakukan oleh BKM dalam menyelesaikan wanprestasi yang terjadi telah melalui 3R yaitu, resceduling (penjadwalan kembali), reconditioning (persyaratan kembali), dan restrukturing (penataan kembali). Penyelesaiannya wanprestasi dapat pula dilakukan oleh BKM dengan melakukan sita umum sesuai dengan pasal 1131 KUHPerdata. Upaya pencegahan wanprestasi saat ini yang dilakukan oleh BKM yaitu dengan menerapkan 5C dalam perjanjian yang baru

Reformasi Pengelolaan Keuangan Daerah Dalam Rangka Mewujudkan Transparansi Dan Akuntabilitas (Studi Pada Pemerintah Kota Malang)

: Reform of Local Financial Management in order to Create Transparency and Accountability (Study at Government of Malang City). Reform of local financial management needs support system that is more responsive budgeting can facilitate effort to meet increasing performance demands in order to create transparency and accountability. The objectives research is find put, describe, and analyze reform of local financial management in order to create transparency and accountability and affecting factors. The research is descriptive research within qualitative approach. The result research are Government of Malang City emphasized to arrange performance budget, determined the Standard of Government Accounting (SAP), determined Standard Operating Procedure (SOP) and standard public service. The supporting factors are distinct regulation about local financial management, established new institution as BPKAD of Malang City, there is SOP and, public involvement on development planning. The inhibiting factors are lack of human resources quality and supporting equipment. Therefore, needs work up human resources quality and fulfilling lack of supporting equipment to increase performance employees so create transparency and accountability

Analisis Strategi dan Program Peningkatan Daya Saing pada Industri Unggulan Provinsi Jawa Tengah dalam Menghadapi Masyarakat Ekonomi ASEAN (Mea)

The establishment of ASEAN Economic Community (AEC), forces industries in Central Java Province shall retain their high level of competitiveness. This study aims to know what kind of industry that can be categorized as leading industry through SLQ, DLQ, combination of the methods and the Shift Share analysis. In addition, this study investigates on how much the level of competitiveness that recently retained by every leading industry in Central Java Province, either national or ASEAN level through RCA. Finally, this study help to formulate strategy to increase and intensify the competitiveness due to the AEC through SWOT Balanced Scorecard analysis. The result showed that, there are industry in Cental Java Province which is included as a leading industy, such as beverage, some agriculture products, manufacturing industries, printing and reproduction of recorded media. There are some Industries that are competitive either national or ASEAN level such as apparel, timber, wood, printing and reproduction of recorded media. While textile and furniture has a level of competitiveness at national level only. The strategy to improve industrial competitiveness in the face of AEC namely SO Strategy to expand the non traditional's export; ST Strategy to improve the quality of product; WO Strategy by enhancing the quality of skilled human resources to meet market demand; WT Stategy by providing incentivies to industries that are able to perform and increase proportion of raw materials. Firm equity, organizational capital and human capital are ways to do the program of improving industrial competitiveness to welcome AEC

Implementasi Model Pembelajaran Concept Sentence pada Materi Bilangan terhadap Kemampuan Berbahasa Inggris Mahasiswa Prodi Pendidikan Matematika

Penguasaan bahasa Inggris merupakan faktor penentu dalam era globalisasi dan merupakan salah satu keberhasilan pembelajaran di pendidikan tinggi. Kemampuan bahasa Inggris siswa dalam Program Studi Pendidikan Matematika di Universitas Muria Kudus dapat dikembangkan melalui kursus Pendidikan Matematika Bahasa Inggris. Penelitian ini bertujuan untuk: (1) mengetahui peningkatan kemampuan bahasa Inggris siswa melalui model pembelajaran angka konsep bahan kalimat dalam mata pelajaran Bahasa Inggris Pendidikan Matematika; (2) mengetahui aktivitas siswa selama pembelajaran melalui model pembelajaran kalimat konsep pada nomor materi dalam kursus Pendidikan Matematika Bahasa Inggris; dan (3) mengetahui respon siswa terhadap model pembelajaran kalimat konsep pada nomor materi dalam kursus Bahasa Inggris Pendidikan Matematika. Penelitian ini dilakukan pada mahasiswa Program Studi Pendidikan Matematika di Universitas Muria Kudus. Penelitian ini merupakan penelitian eksperimental melalui model pembelajaran kalimat konsep dengan teknik pretest posttest one group. Hasil penelitian menunjukkan bahwa: 1) Model pembelajaran kalimat konsep pada nomor materi dalam mata pelajaran Bahasa Inggris di Pendidikan Matematika dapat meningkatkan kemahiran bahasa Inggris siswa; 2) Ada perbedaan yang signifikan dalam kemahiran bahasa Inggris rata-rata siswa antara sebelum dan sesudah menggunakan model pembelajaran kalimat konsep pada materi angka dalam kursus Pendidikan Matematika Bahasa Inggris; dan 3) Tanggapan siswa terhadap model pembelajaran kalimat konsep pada nomor materi dalam kursus Bahasa Inggris Pendidikan Matematik

DESAIN PERMAINAN ULAR TANGGA DALAM PEMBELAJARAN KIMIA

The limitations of media variants and the infrequent use of learning media in the chemistry learning process in one of the public schools in Palembang City are the main problems behind the research. This research was an R&D (research and development) research that aimed to develop snakes and ladders game on acid-base topic, determine validity based on expert judgment, determine the practicality of media based on student response questionnaire assessments, and determine the effectiveness of the learning media. The development of the snake and ladder game learning media followed the ADDIE development framework. The validators in this study were content experts, media experts, and education practitioners. The subjects were students in one of the public schools in the Palembang City. Data collection instruments used validation sheets, student response questionnaires, and test questions. The results of the validity test got an average score of 4,07 meaning that it was feasible. The practicality assessment in small-scale trials got 94,86% which was included in the very practical category, the medium-scale trials of 90,75% and also included in the very practical category. The results of test showed an increase in student learning outcomes. It could be proved by the average post-test score of the experimental group students was 85,12 while the average post-test score of the control group was 78,12 and the Sig. (2-tailed) of the t-test (independent sample t-test) had 0,000 < 0,05, which means the snake and ladder game learning media developed is effective to improve student learning outcomes

The Burden of Cognitive Impairment in Patients With End-Stage Renal Disease and Impact on Dialysis Modality Choice

IntroductionKidney disease is associated with significant cognitive dysfunction. Subjective reports of cognitive ability have not been studied extensively in chronic kidney disease. We investigated the association between objective and subjective cognitive functions in predialysis patients and their association with self-care dialysis modality choice.MethodsCross-sectional data from the Barriers to Successful Implementation of Care in Home Haemodialysis study were used for the study of cognition in 220 predialysis patients. The data were used to ascertain the demographics, clinical, laboratory, and neuropsychometric variables. The latter includes Trail Making Tests (TMT) parts A and B, Modified Mini Mental State Examination, and metacognition questionnaire for subjective assessment of one’s cognitive ability. The outcome variable was fully assisted and self-care dialysis modality choice.ResultsWithin the study cohort, 90 patients chose fully assisted hemodialysis and 114 patients chose self-care dialysis. The median Modified Mini Mental State Examination, TMT part A, and TMT part B scores were greater for the assisted versus the self-care group. Metamemory was not significantly different between groups, but the metaconcentration score was significantly worse in the group choosing assisted dialysis. Higher (i.e., better) metaconcentration scores were significantly associated with the self-care modality choice in the univariate and hierarchical regression analyses. Adjusted and unadjusted analyses showed a significant association between perceived concentration and TMT part B scores (P < 0.01). With every 1.6-minute increase in TMT part B score, there was a 1-unit reduction in metaconcentration score, and the latter was associated with 20% lower odds of choosing self-care dialysis over a fully assisted dialysis modality.DiscussionPatients’ self-perception of cognitive ability is a significant predictor of self-care dialysis modality choice. Subjective report of “metaconcentration” is also strongly associated with poorer outcome on the TMT part B

On the Importance of Registers for Computability

All consensus hierarchies in the literature assume that we have, in addition to copies of a given object, an unbounded number of registers. But why do we really need these registers? This paper considers what would happen if one attempts to solve consensus using various objects but without any registers. We show that under a reasonable assumption, objects like queues and stacks cannot emulate the missing registers. We also show that, perhaps surprisingly, initialization, shown to have no computational consequences when registers are readily available, is crucial in determining the synchronization power of objects when no registers are allowed. Finally, we show that without registers, the number of available objects affects the level of consensus that can be solved. Our work thus raises the question of whether consensus hierarchies which assume an unbounded number of registers truly capture synchronization power, and begins a line of research aimed at better understanding the interaction between read-write memory and the powerful synchronization operations available on modern architectures.Comment: 12 pages, 0 figure