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CREDIT MANAGEMENT ANALYSIS TO PREDICT EARLY NON-PERFORMING LOANS AT PT. BANK NEGARA INDONESIA (PERSERO) TBK Hardiansyah; Nazaruddin; Muhammad Anggia Muchtar
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 5 No. 4 (2025): July
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v5i4.3615

Abstract

The purpose of this study is to improve credit quality in designing a customer loan default prediction system so that it can reduce the possibility of huge losses in banking in order to produce a model that has high accuracy and recall rate at PT. Bank Negara Indonesia (Persero) Tbk. The entire population in this study was sampled as many as 467 customers. Using the random forest method, the results obtained are: 1) descriptive analysis shows that the variables of customer credit history, payment ratio, age, collateral value, and affiliate balances influence the occurrence of bad debt, 2) the prediction model identifies patterns of customers at risk of bad debt, 3) the application of the credit model appropriately can reduce the level of bad debt.
Building Civic Character Through Value-Based Civic Education Learning at the Elementary Level Indri Febrianti; Sriyanti; Hardiansyah
Cendekiawan : Jurnal Pendidikan dan Studi Keislaman Vol 4 No 2 (2025): June Edition: Multiple Intelligences of Students in Formal, Informal, and Nonform
Publisher : Yayasan Zia Salsabila

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61253/cendekiawan.v4i2.368

Abstract

Civic education at the elementary school level is crucial in shaping students' character and moral values, especially considering the challenges posed by the decline of social values in society. This article aims to examine the role of values-based civic education (PKn) in building students' civic character at the elementary school level. Using a literature review method, data was collected from relevant books, journals, and articles, and then analyzed qualitatively. The research findings indicate that value-based learning methods, such as case studies, role-playing, and reflective discussions, are effective in instilling democratic values, justice, social responsibility, and active participation in students. However, challenges in implementation include limitations in human resources and facilities at schools. Nevertheless, opportunities to strengthen values-based civic education through the Merdeka Curriculum policy, teacher training, and support from parents and the community are wide open. In conclusion, values-based civic education at the elementary school level can strengthen students' character as responsible citizens, with the support of appropriate resources and policies.
Examining the Role of Principal Leadership Style and Educator Performance in Shaping Student Wellbeing Ersari; Hardiansyah; Muhammad Iqbal
Jurnal Visionary : Penelitian dan Pengembangan dibidang Administrasi Pendidikan Vol. 13 No. 2 (2025): October
Publisher : Universitas Pendidikan Mandalika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33394/vis.v13i2.17329

Abstract

This study aims to examine the influence of principal leadership style and educator performance on students' wellbeing at SMPN 1 Bayan. This research employed a quantitative associative approach involving 100 students from grades 7 and 8 selected through proportional random sampling. Data were collected using questionnaires for three variables with 10 items each, which had been validated and tested for reliability. The data analysis technique used descriptive statistical analysis followed by multiple linear regression analysis. The results showed that simultaneously (F test), both variables are significant predictors of student wellbeing (F = 18.458, sig = 0.001). Partially (t test), principal leadership style significantly influences student wellbeing (b = 0.675, sig = 0.001), while educator performance does not show significant influence (b = 0.156, sig = 0.180). The coefficient of determination (R²) is 0.276, indicating that both variables explain 27.6% of the variance in student wellbeing. These findings suggest that principal leadership plays a more crucial role in creating student wellbeing compared to direct educator performance. Key Words: Principal Leadership Style, Educator Performance, Student Wellbeing. Abstrak: Penelitian ini bertujuan untuk mengkaji pengaruh gaya kepemimpinan kepala sekolah dan kinerja pendidik terhadap students wellbeing di SMPN 1 Bayan. Penelitian ini menggunakan pendekatan kuantitatif asosiatif yang melibatkan 100 siswa kelas 7 dan 8 yang dipilih melalui proportional random sampling. Data dikumpulkan menggunakan angket untuk tiga variabel dengan masing-masing 10 butir yang telah divalidasi dan diuji reliabilitasnya. Teknik analisis data menggunakan analisis statistik deskriptif dilanjutkan dengan analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa secara simultan (uji F), kedua variabel merupakan prediktor signifikan terhadap student wellbeing (F = 18,458, sig = 0,001). Secara parsial (uji t), gaya kepemimpinan kepala sekolah berpengaruh signifikan terhadap student wellbeing (b = 0,675, sig = 0,001), sedangkan kinerja pendidik tidak menunjukkan pengaruh signifikan (b = 0,156, sig = 0,180). Koefisien determinasi (R²) sebesar 0,276 menunjukkan bahwa kedua variabel menjelaskan 27,6% varians dalam student wellbeing. Temuan ini mengindikasikan bahwa kepemimpinan kepala sekolah memiliki peran yang lebih krusial dalam menciptakan kesejahteraan siswa dibandingkan kinerja pendidik secara langsung. Kata Kunci: Gaya Kepemimpinan Kepala Sekolah, Kinerja Pendidik, Kesejahteraan Siswa.
HUBUNGAN PENGETAHUAN DAN SIKAP SISWA TERHADAP PERILAKU MEROKOK Hardiansyah; Ardiansyah; Maryana
Jurnal Penelitian Keperawatan Vol 11 No 1 (2025): Jurnal Penelitian Keperawatan
Publisher : STIKES RS Baptis Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32660/jpk.v11i1.801

Abstract

Menurut Organisasi Kesehatan Dunia (WHO), sekitar 21 juta remaja berusia 13-15 tahun menjadi perokok pada tahun 2020. Kebiasaan merokok telah meluas di kalangan masyarakat Indonesia dan menjadi bagian dari budaya. Baik remaja, dewasa, maupun anak-anak, semuanya telah akrab dengan kebiasaan merokok yang membahayakan bagi kesehatan. Banyak faktor yang dapat mempengaruhi perilaku merokok pada remaja, pengetahuan serta sikap merupakan elemen yang turut memainkan peran penting dalam membentuk kebiasaan merokok, Pengetahuan yang salah tentang rokok selanjutnya akan mendorong terbentuknya sikap yang salah tentang rokok dan pada akhirnya terjadi proses aplikasi dimana seseorang akan menjadi perokok. Penelitian ini bertujuan untuk mengetahui hubungan Pengetahuan dan sikap siswa terhadap perilaku merokok di SMA Negeri 1 Muntok Tahun 2024. Penelitian ini menggunakan desain cross sectional. Penelitian ini dilakukan dengan cara membagikan kuisioner tentang hubungan Pengetahuan dan sikap siswa terhadap perilaku merokok di SMA Negeri 1 Muntok pada tanggal 1 Juni – 30 Juni 2024. Data yang terkumpulkan kemudian analisis secara univariat dan bivariat menggunakan uji chi-square. Hasil penelitian ini membuktikan bahwa terdapat hubungan antara pengetahuan (p-value=0,001), sikap (p-value=0,047), dengann perilaku merokok di SMA Negeri 1 Muntok Tahun 2024. Diharapkan bagi Institusi Pendidikan agar dapat menguatkan peningkatan pengetahuan dan sikap siswa terhadap perilaku merokok dengan sosialisasi tentang bahaya merokok, dan menerapkan peraturan tentang kawasan tanpa rokok di kawasan sekolah dan tempat umum.
Sistem Pakar Rekomendasi PC Rakitan Berdasarkan Kebutuhan Pengguna Menggunakan Metode Certainty Factor Muhammad Ramadien Rizky Darmawan; Hardiansyah
OKTAL : Jurnal Ilmu Komputer dan Sains Vol 4 No 09 (2025): OKTAL : Jurnal Ilmu Komputer Dan Sains
Publisher : CV. Multi Kreasi Media

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

An The rapid development of computer technology presents challenges for novice users in selecting custom PC components that fit their needs and budget. This study develops a web-based expert system using the Certainty Factor (CF) method to provide component recommendations. The knowledge base covers CPU, RAM, motherboard, GPU, and storage, implemented with PHP, HTML, CSS, JavaScript, and MySQL. Users input their requirements through a simple interface, and the system processes them with a CF-based inference engine to generate recommendations along with confidence levels. The results show that the system provides accurate, relevant, and efficient recommendations for various needs, making it a practical solution for custom PC component selection
Co-Authors Achmad Maulana Rifai Adelfina, Gabriel Aditama Agustian Agus Cholik Ahmad Faiz Zaidan Alfiza, Siti Alliyah Putri Amalia, Firdha Ami Setiasih Ananta Mikail Aqsha ANDRI KURNIAWAN Apriyana, Della Ardiansyah Ariyantomi Septian Arizal Almuttaqin Basyarulhaq Fanani Dinar Ahgil Misman Djutalov, Roeslan Edi Sanjaya Eka Nur Septioningrum Erdi Septiadi Ersari Fadly Ramadhan Verdiansya Fahrezi, Zhehan Farhan Septian FEPY SUPRIANI Firdaus Dika Permana Fitri Hapsari, Penny Gadis Gladys Gian Rizki Chadiman Haidorizal, Rifkan Hartati, Merri Sri Husnul Khatimah Indri Febrianti Ir. Zulmanwardi Ismail, Hartiwiyanti Istiyono Iwan Giri Waluyo Jaksa, Suherman Jihan Fauziah Joana Linke Joko Suwarno Khairul Amri Khotib Arifai, Mukhamad Lindung Zalbuin Mase Lindung Zalbuin Mase, Lindung Zalbuin Lu’luin Najwa Maha Deta Winusi Maryana Masnuripa Siregar Misliniyati , Rena Misliniyati, Rena Muhamad Hafizh Araja Muhammad Anggia Muchtar Muhammad Ihsan Muhammad Iqbal Muhammad Leza Hakiri Muhammad Ramadien Rizky Darmawan Muhammad Rifnaldi Musthofa, Shoni Nanang Edi Hariyanto Narto Sidik Permana Nazaruddin Nia Asdina Nifa Abdillah, Muhamad Hafidz Noprian Pambudi, Naufal Parida Marjuliana Rafly Ramadhan Ramdhani, Ichsan Rasyid Ridlo Rena Misliniyati Rezky, Nurfatihah Rezky Rifqi, Fianco Fakhri Ritonga, Supardi Rosidah Safitri, Wahyuni Salman Farizy Sartika Lina Mulani Sartika Meitry Septiani, Nita Sindy Syahputri Sriyanti Suhartono Sultoni, Ervani Supriani, Fepy SURYANI Susanti, Dwi Dzulma Syahrul R, Syahrul SYAIFUL BAHRI Tiara Dwi Puspita Trias Oktaviyan Widiyanti, Setyo Erna Widyawati Wildan Bayu Samudra Zainal, Rabin Ibnu Zulaikhah Zulfakar