Abstract:Bad credit is one of the main problems faced by the banking sector, which can threaten financial stability and bank profitability. This research aims to analyze the causes of bad credit through the literature review method,…
od, by identifying and evaluating relevant scientific works. The research results show that the causes of bad credit can be categorized into four main factors: internal factors of the borrower, external factors of the borrower, internal factors of the bank, and regulatory and policy factors. The borrower's internal factors include poor management and weak financial capabilities, while external factors include unstable macroeconomic conditions and intense business competition. Internal bank factors include weak credit assessment processes and inappropriate credit policies, while regulatory and policy factors include less effective regulations and erratic changes in government policy. To reduce the risk of bad credit, banks and financial institutions are advised to improve credit assessment processes, tighten supervision of the use of funds, develop credit policies that are more flexible but based on in-depth risk analysis, and strengthen regulations and supervision. Macroeconomic risk mitigation strategies are also important to maintain financial stability. By implementing these strategic steps, it is hoped that the risk of bad credit can be minimized, support the stability and sustainability of the banking sector, and increase trust and security for all parties involved. This research emphasizes the importance of a comprehensive and coordinated approach in credit risk management to ensure the sustainability and stability of the financial system.
Abstract:The aim of this study is to explore the effectiveness of Trello in improving communication and collaboration enhance quality of service within a service company. The study will use a qualitative approach to collect and analyze…
nalyze data. Qualitative data will be collected through interviews with the CEO and Employee of Kotak Narsis, while the financial report 2020-2023 and the number of problems encountered will be used as secondary sources of data. The qualitative data from the interviews will be analyzed using thematic analysis to identify key themes and patterns in the data. Based on the results of the interviews, it appears that Trello can be an effective solution to the problems faced by the company, mainly poor quality of service. The company also found that the quality of the company's photobooth selfie box service improved, as evidenced by the reduced number of customer complaints.
Abstract:Non-formal education plays an important role in providing educational services to communities unable to complete formal education. One form of non-formal education that serves as an alternative education is the Package C…
Equivalency Education Program. This study aims to analyze the implementation of the community empowerment management function through the Package C Equivalency Education Program at PKBM Buana Mekar Baleendah using the POAC (Planning, Organizing, Actuating, and Controlling) management approach. The study used a descriptive qualitative method with the research location at PKBM Buana Mekar, Bandung Regency. The research subjects consisted of PKBM managers, tutors, and Package C learners. Data collection techniques were carried out through observation, interviews, and documentation. Data analysis used the stages of data reduction, data presentation, and drawing conclusions. The results of the study indicate that the planning function has been carried out through identifying community needs and preparing flexible learning programs. The organizing function is seen from the division of tutor tasks and a clear organizational structure. The implementation function is carried out through andragogy-based learning with lectures, discussions, questions and answers, and skills practice methods. Meanwhile, the supervisory function is carried out through learning evaluation, attendance monitoring, andsupervision of skills practice. Although the program's implementation has been quite successful, several obstacles remain, such as limited digital learning media, unstable student attendance rates, and suboptimal utilization of practical facilities. Overall, the Package C Program at Buana Mekar Community Learning Center (PKBM) has systematically implemented management functions to support the community empowerment process through equivalency education
Abstract:Supervisi administrasi pendidikan merupakan fungsi manajemen yang esensial dalam meningkatkan kualitas penyelenggaraan pendidikan di lembaga pendidikan. Artikel ini membahas secara komprehensif tentang konsep, prinsip, ruang…
uang lingkup, dan implementasi supervisi administrasi pendidikan. Supervisi administrasi tidak hanya berfungsi sebagai mekanisme pengawasan, tetapi lebih sebagai upaya kolaboratif untuk pembinaan dan pengembangan kapasitas organisasi pendidikan. Ruang lingkup supervisi mencakup administrasi kurikulum, kesiswaan, kepegawaian, keuangan, sarana prasarana, hubungan masyarakat, dan layanan khusus. Artikel ini menguraikan berbagai pendekatan supervisi (direktif, non-direktif, dan kolaboratif) serta teknik-teknik supervisi yang dapat diterapkan seperti observasi, wawancara, pemeriksaan dokumen, dan workshop. Proses supervisi meliputi tahap perencanaan, pelaksanaan, evaluasi, dan tindak lanjut yang harus dilakukan secara sistematis dan berkelanjutan. Supervisor dituntut memiliki kompetensi kepribadian, manajerial, supervisi, akademik, sosial, dan digital untuk menjalankan perannya secara efektif. Di era digital, supervisi administrasi mengalami transformasi dengan pemanfaatan e-supervision, big data, dan sistem manajemen sekolah digital. Tantangan yang dihadapi meliputi resistensi terhadap perubahan, keterbatasan sumber daya, kompetensi supervisor yang bervariasi, kompleksitas regulasi, dan budaya organisasi. Supervisi administrasi yang efektif memberikan dampak signifikan terhadap efisiensi organisasi, akuntabilitas publik, penciptaan lingkungan pembelajaran yang kondusif, pengembangan profesional, dan pencapaian standar nasional pendidikan. Keberhasilan supervisi sangat bergantung pada komitmen semua pihak, dukungan kepemimpinan, dan budaya organisasi yang berorientasi pada perbaikan berkelanjutan.
Abstract:This study aims to describe the strategies of Islamic Religious Education teachers in the formation of Islamic character values in students at SMPN 2 Nuangan, identify supporting and inhibiting factors, and analyze the…
the impact of these strategies on student behavior. The study used a descriptive qualitative approach with a case study design. The research subjects consisted of the principal, three Islamic Religious Education teachers, and Muslim students at SMPN 2 Nuangan. Data collection techniques were carried out through observation, interviews, and documentation. Data were analyzed through the stages of data reduction, data presentation, and conclusion drawing, while data validity was tested through source and technique triangulation, observation persistence, extended participation, and member checks. The results showed that the strategies of Islamic Religious Education teachers in the formation of Islamic character values were carried out through role models, habituation, advice, integration of character values in learning, and supervision of student behavior. Supporting factors included teacher commitment, a conducive school culture, cooperation among school members, and parental support. Inhibiting factors included differences in student backgrounds, lack of family attention, the influence of the social environment, and limited learning time. This strategy has a positive impact on improving students' religious attitudes, discipline, responsibility and good manners.
Abstract:This study discusses the implementation of principal management in improving students' religious character and the factors that influence the success of the implementation of principal management in improving students' religious…
eligious character. This type of research is qualitative research with data analysis using MAXQDA. Data collection techniques used are observation, interviews, and documentation. Data analysis is carried out by collecting/organizing raw data (data collection), condensing data (data condensation), presenting data (data display), drawing conclusions/verification. The results of this study indicate that (1) the implementation of the principal's management in improving the religious character of students at SMA Negeri 5 Palopo is carried out through four integrated management functions, namely: (a) Planning which is realized in the preparation of routine religious programs such as Al-Qur'an literacy (15-minute tadarus), congregational prayer, and commemoration of Islamic holidays, (b) Organization is carried out by clearly dividing tasks to religious teachers as coordinators, assisted by homeroom teachers and involving the active role of OSIS and Rohis as technical implementers, (c) Implementation is carried out by integrating the program into school activities and providing direct motivation and role models to enforce religious discipline, and (d) Supervision is carried out through checking attendance at congregational prayers and providing direct reprimands to students who are less religious. (2) Factors that influence the success of this implementation include internal factors, such as the principal's leadership commitment, teacher discipline, and the availability of facilities and infrastructure, as well as external factors that include support from parents and the community. Overall, the success of the principal's management is greatly influenced by strong collaboration between all school residents and the surrounding environment.
Abstract:Islamic boarding school-based educational management is a relevant character development model in facing the challenges of moral degradation and low student independence in the modern era. This study aims to analyze the…
implementation of Islamic boarding school-based educational management at SMPIT Manbaul Ulum in improving student discipline and independence. The research approach used is a qualitative case study. Data were obtained through in-depth interviews, participatory observation, and documentation studies, which were then analyzed using data reduction, data presentation, and conclusion drawing techniques. The results show that the implementation of Islamic boarding school-based educational management is carried out through the integration of religious values in all school activities, consistent regulation of discipline, habituation of congregational worship, and strengthening student personal responsibility through independence programs. Student discipline is increased through structured supervision and positive behavioral habits, while independence grows through assignments that encourage self-management and independent decision-making. These findings prove that the Islamic boarding school-based educational management model is effective in shaping students' disciplined and independent character. The implications of this study indicate that the Islamic boarding school-based approach can be an alternative educational management strategy that focuses not only on academic achievement, but also on character development.
Abstract:This study focuses on the internalization of moral values among students in facing the challenges of modernization, such as moral degradation and youth relations. This study uses qualitative methods. The data analysis techniques…
chniques in this study are data presentation, data discussion, and conclusion drawing. The results of this study identify four key aspects, namely: 1) Pre-learning planning for students is very important to determine the aspects of learning that will be implemented in the classroom, 2) The implementation of ISMUBA learning based on moral knowing and feeling will focus more on students' moral education, 3) Teachers' exemplary behavior as role models for students because good activities must be exemplified first, and 4) Learning projects/training students' skills through learning outside the classroom trains students to face daily challenges and fosters moral action. The main challenges in moral internalization include a lack of teacher role models, a lack of supervision of outside classroom activities, and external factors due to the influence of social media. Therefore, this study recommends cooperation among educators, namely schools, teachers, and families, to strengthen the effective moral internalization of students.
Abstract:This study aims to analyze the concept and application of hospital criminal liability in cases of medical malpractice in the Indonesian criminal law system, as well as examine the relationship between the individual responsibility…
onsibility of medical personnel and the responsibility of hospital institutions. This study uses a qualitative approach with case study methods and a juridical-normative approach enriched with empirical data. Data was collected through in-depth interviews with legal practitioners, medical personnel, and hospital managers, accompanied by a documentary study of laws and regulations, court rulings, and related literature. The results of the study show that criminal liability in cases of medical malpractice is generally still focused on individual medical personnel as direct perpetrators, while the accountability of hospital institutions has not been optimally applied in criminal law enforcement practices. In addition, it was found that there is a complex relationship between the professional responsibilities of medical personnel and the institutional obligations of hospitals in ensuring health service standards, including aspects of supervision, risk management, and medical service systems. This study concludes that it is necessary to strengthen the concept of corporate criminal liability for hospitals in cases of medical malpractice in order to create legal certainty and more balanced protection for patients, medical personnel, and health service institutions. The findings of this study contribute to the development of health law studies and become a basis for consideration for policymakers in formulating more effective regulations and law enforcement mechanisms.
Abstract:This study describes the strategies and mentoring model implemented by HIMPAUDI in Krui, West Pesisir Regency, to improve the professionalism of early childhood education teachers. This research employed a descriptive qualitative…
alitative approach, with primary data collected through a structured interview with a HIMPAUDI board member in West Pesisir Regency. The findings show that HIMPAUDI mentoring is carried out through tiered training, curriculum and learning workshops, teacher working groups, seminars, mentoring, supervision, sharing of good practices, and socialization of professional ethics. The mentoring model is participatory, collaborative, continuous, needs-based, reflective, and ethical-professional. These activities strengthen teachers pedagogical, professional, social, and personal competencies, particularly in understanding child development, designing creative learning, developing learning media, adapting the curriculum, and maintaining professional responsibility. However, implementation is constrained by limited time, training costs, unequal access to information, varied teacher motivation, digital competence, and coastal geographical conditions. The study recommends strengthening local professional development through professional learning communities, mentoring cycles, digital support, and institutional collaboration among HIMPAUDI, local government, higher education institutions, and early childhood education providers.