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CREDIT RISK MANAGEMENT AT BANK BENGKULU MAIN BRANCH DURING COVID-19 PANDEMIC Martini, Tri; Husaini, Husaini; Sari, Novita
JURNAL FAIRNESS Vol. 10 No. 1 (2020)
Publisher : UNIB Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (249.348 KB) | DOI: 10.33369/fairness.v10i1.15230

Abstract

This research purpose is to describe credit risk management at Bank Bengkulu during covid-19 pandemic. This research is a descriptive study that focuses on the phenomenon of activity, namely credit risk management activities done by credit analysts, branch vice leaders and branch leaders. Data collection is done through observations, interviews and documentation that are intended to test each other on the information obtained. This research concluded that credit risk management conducted by Bank Bengkulu main branch is credit risk identification, credit risk measurement and assessment, credit risk control and credit risk monitoring. This research found in the identification stage, credit risk measurement and assessment is done by credit analysts manually or subjectively by making credit analysis reports. During the Covid-19 pandemic, business sectors directly affected such as tourism, hospitality, transportation and service sectors were temporarily suspended for credit disbursement.
Self-regulated learning based-STEM model: How it impacts students’ self-directed learning in physical education classes Gumilang, Eva Sri; Martini, Tri; Budiana, Dian
Journal Sport Area Vol 7 No 3 (2022): December
Publisher : UIR Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/sportarea.2022.vol7(3).10550

Abstract

The low level of self-directed learning among students is a problem in this study and the limited research on Science, Technology, Engineering, and Mathematics-based Self-Regulated Learning in physical education is a gap in this research. Science, Technology, Engineering, and Mathematics (STEM) based on Self-Regulated Learning (SRL) is an alternative learning model in Physical Education. The purpose of this study was to determine the effect of application Science, Technology, Engineering, and Mathematics based Self-Regulated Learning to develop self-directed learning. This study used quasi-experimental method with a nonequivalent control group design and sampling used purposive sampling technique. The participants in this study were students VIII grade. Research was conducted in SMP Laboratorium School UPI with online learning and Limited Face-to-Face Meeting. The instruments of this study used the Self-Rating Scale of Self Directed Learning (SRSSDL). After the sample had completed the treatment, the results of data analysis showed that directed learning aspect was 0.027 with the criterion value (Sig.) = 0.05. Regardless of the results, this is supported by empirical evidence from student behavior, learning, and task making. They showed the development of students' abilities in the learning process did not depend on teachers, friends, class conditions and others. It can be concluded that implementation of Science, Technology, Engineering, and Mathematics (STEM) based on Self-Regulated Learning (SRL) has an effect on develop self-directed learning. This research contributes to learning innovation in physical education, so that teachers can apply this model on an ongoing basis to develop self-directed students. Future research needs to be done, for example trying to apply this model to develop other potentials in students such as motivation, cooperation, or responsibility.
Uji Efektivitas dan Karakterisasi Komposit Tanah Andisol/Arang Tempurung Kelapa Untuk Adsorpsi Logam Berat Besi (Fe) Pranoto, Pranoto; Martini, Tri; Maharditya, Winda
ALCHEMY Jurnal Penelitian Kimia Vol 16, No 1 (2020): March
Publisher : UNIVERSITAS SEBELAS MARET (UNS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (638.574 KB) | DOI: 10.20961/alchemy.16.1.33286.50-66

Abstract

Penelitian ini untuk mengetahui kapasitas adsorpsi komposit tanah andisol/arang tempurung kelapa sebagai adsorben logam berat besi (Fe) berdasarkan pada kondisi komposisi, pH dan waktu kontak yang optimum. Tanah andisol diaktivasi dengan larutan NaOH 3 M dan arang tempurung kelapa diaktivasi menggunakan larutan HCl 4 M. Komposit tanah andisol/arang tempurung kelapa dibuat dengan mencampurkan tanah andisol dan arang tempurung kelapa pada variasi komposisi 100:0, 75:25, 50:50, 25:75 dan 0:100 (b/b) Uji adsorpsi terhadap logam besi (Fe) dilakukan pada variasi pH larutan 1, 2, 3, 4, 5 dan 6 serta waktu kontak 5, 10, 15, 20, 25, 30, 35, 40, 45, 50, dan 60 menit dengan sistem batch. Pengukuran konsentrasi akhir pada saat kesetimbangan dilakukan dengan menggunakan Atomic Absorption Spectroscopy (AAS).  Hasil karakterisasi adanya proses aktivasi dan pengompositan ditunjukkan pada spektra Fourier Transform Infra Red (FTIR) yang mengalami pergeseran bilangan gelombang. Karakterisasi pola difraksi X-Ray Diffraction (XRD) yang menunjukkan adanya puncak baru. Hasil analisis Scanning Electron Microscope (SEM) komposit menunjukkan bahwa permukaan adsorben telah ditutupi logam besi (Fe). Pembentukan komposit juga menunjukkan adanya peningkatan luas permukaan dan nilai keasaman komposit. Berdasarkan penelitian ini diperoleh bahwa proses adsorpsi terjadi pada kondisi optimum komposisi komposit tanah andisol/arang tempurung kelapa 75:25 (b/b), pH larutan besi (Fe) 5 dan waktu kontak selama 30 menit dengan kapasitas adsorpsi sebesar 0,54 mg/g dan presentase adsorpsi 91,57%. Isoterm adsorpsi mengikuti isoterm Freundlich dengan nilai R2 sebesar 0,9456.Effectiveness Test and Characterization of Andisol Soil/Coconut Shell Charcoal for Adsorption of Iron (Fe). This research aims to determine the adsorption capacity composite of andisol soil and coconut shell charcoal as the adsorbent of iron (Fe) metal based on the composition condition, pH, and optimum contact time. Andisol soil was activated with NaOH 3 M solution, and coconut shell charcoal was activated with HCl 4 M solution. The composites were made under various composition of andisol soil/coconut shell charcoal of 100:0, 75:25, 50:50, 25:75 and 0:100 (w/w). The adsorption test was done on the pH variation of 1, 2, 3, 4, 5, 6 and used the contact time variation of 5, 10, 15, 20, 25, 30, 35, 40, 45, 50 and 60 minutes in a batch method. The concentration analysis of iron (Fe) metal was done by atomic absorption spectroscopy (AAS). The characterization result of the activation process can be shown on the Fourier transform infrared (FTIR) spectra with the shifting peak. Characterization of X-ray diffraction (XRD) diffractogram showed the emergence of a new peak in andisol soil and coconut shell charcoal. The result of scanning electron microscope (SEM) characterization analysis showed that the surface of the adsorbent was covered in iron. The composite formation also showed an increase in surface area and composite acidity value. Based on the result of the research, it can be concluded that the adsorption process happens in the optimum condition in andisol soil/coconut shell charcoal composition of 75:25 (w/w), pH solution iron (Fe) metal of 5 and contact time of 30 minutes. The adsorption capacity was 0.54 mg/g and 91.57% for adsorption percentage. The isotherm adsorption followed Freundlich isotherm with R2 values 0.9456.
DECREASING pH, PROXIMATE (WATER, PROTEIN AND SUGAR) AND β-CAROTENE CONTENT OF KABOCHA YELLOW PUMPKIN (Cucurbita Maxima L.) WERE INFLUENCED BY AIR COOLING AND VACUUM COOLING STORAGE Kusumaningsih, Triana; Martini, Tri; Okstafiyanti, Lestari; Rini, Kartika Setia
ALCHEMY Jurnal Penelitian Kimia Vol 13, No 2 (2017): September
Publisher : UNIVERSITAS SEBELAS MARET (UNS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/alchemy.13.2.4320.166-175

Abstract

ABSTRACTThe aim of the research is to determine the effective storage technique between the air cooling and vacuum cooling technique during storage process (0, 4, 8 and 12 weeks) and to increase the shelf life of kabocha pumpkin. Parameters measured during storage process were β-carotene and proximate content (water, pH, protein and sugar). β-carotene content was analyzed by Spectrophotometer UV-VIS followed by validation method, water content by Gravimetric method, pH by pH meter, protein by Makro Kjehldal method, and sugar by Luff Schrool method.  The validation method showed good result which is proved by linearity, accuracy, precission, LOD, LOQ, and recovery values were 0.988, 98.8%, 3.39-7.73%, 0.011 ppm, 0.016 ppm, and 112% respectively. During storage process, β-carotene content was greater decreased on air cooling storage. For proximate content showed that water content was greater decreased on vacuum cooling storage. pH and the protein content was decreased on  air cooling or vacuum cooling storage, but on air cooling was greater. Sugar content was increased during eight weeks and decreased on last week. From the result it can be seen that vacuum cooling storage was better technique for kabocha pumpkin. Keyword: β-carotene, air cooling, proximate, vacuum cooling