Articles
Analisis Faktor-Faktor Yang Mempengaruhi Keputusan Debitur Dalam Memilih Produk KPR Bersubsidi Pada Perusahaan PT. Madani Sejahtera Investasi
Hadrah, Ainin;
Nurhayati, Siti
Citizen : Jurnal Ilmiah Multidisiplin Indonesia Vol. 5 No. 1 (2025): CITIZEN: Jurnal Ilmiah Multidisiplin Indonesia
Publisher : DAS Institute
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DOI: 10.53866/jimi.v5i1.672
The limited access of low-to-middle-income communities to affordable and decent housing persists despite the increasing demand for subsidized mortgage (KPR Bersubsidi) homes at PT. Madani Sejahtera Investasi. This study aims to determine the influence of Service and Administration, Promotion, and Building Quality factors on debtors' decisions in choosing subsidized mortgage products at PT. Madani Sejahtera Investasi. This research employs a quantitative approach, with data collection conducted through questionnaires targeting a population of debtors who have opted for subsidized mortgage products at PT. Madani Sejahtera Investasi. The sampling technique used is Non-Probability Sampling. Data analysis is performed using multiple linear regression analysis with SPSS software. The findings indicate that the Service and Administration variable has a positive and significant influence on debtors' decisions in choosing subsidized mortgage products at PT. Madani Sejahtera Investasi. The Promotion variable has a negative but not significant influence on debtors' decisions, while the Building Quality variable has a positive and significant influence on debtors' decisions. Based on these findings, it is recommended that PT. Madani Sejahtera Investasi enhance its evaluation of effective promotional outreach to ensure that the public is aware of the availability of subsidized mortgage products offered by the company.
PENYALAHGUNAAN ALOKASI DANA DESA OLEH KEPALA DESA
Nurhayati, Siti
Journal of Innovation Research and Knowledge Vol. 4 No. 10: Maret 2025
Publisher : Bajang Institute
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DOI: 10.53625/jirk.v4i10.9760
Dana desa adalah dana yang bersumber dari APBN yang diperuntukkan bagi yang ditransfer melalui APBD kabupaten dan kota yang digunakan untuk membiayai penyelenggaraan pemerintahan, pelaksanaan pembangunan. Namun pendanaan Dana Desa yang besar menjadi peluang timbulnya tindakan korupsi. Tujuan penelitian menganalisis kriteria hukum kepala desa dalam mengelola Alokasi Dana Desa (ADD) sesuai dengan Peraturan Pemerintah No. 37 Tahun 2023 dan menganalisis yuridis terhadap penyalahgunaan ADD oleh kepala desa dalam studi kasus Putusan Nomor 11/Pid.Sus-TPK/2020/PN Bgl. Tipe penelitian adalah Yuridis Normatif dengan pendekatan berbasis Perundangan dan Kasus. Proses pengumpulan bahan hukum melalui Studi Kepustakaan dan pengolahan bahan hukum melalui analisis Milles & Huberman. Analisis hukum dilakukan dengan analisis Deskriptif Kualitatif. Hasil penelitian membuktikan Kriteria hukum kepala desa dalam mengelola ADD sesuai Peraturan Pemerintah No. 37 Tahun 2023 adalah Menggunakan dana desa sesuai dengan rencana pembangunan jangka menengah nasional, Menggunakan dana desa sesuai dengan peraturan perundang-undangan terkait, Menggunakan dana desa sesuai dengan rencana kerja pemerintah pusat, Menggunakan dana desa sesuai dengan nota keuangan dan rancangan APBN tahun anggaran berikutnya, Sedangkan Analisis yuridis penyalahgunaan ADD oleh kepala desa dalam studi kasus Putusan Nomor 11/Pid.Sus-TPK/2020/PN Bgl dapat dinyatakan “HS” selaku Kepala Desa terbukti bersalah dengan kesesuaian faktor pertanggungjawaban pidana sehingga putusan hakim telah sesuai.
Pemanfaatan Sistem Informasi Geografis Untuk Memetakan Distribusi Stunting Menggunakan Metode Autokorelasi Morans’I
Sari, Rizky Yuspita;
Nurhayati, Siti;
Raharjo, Untoro Dwi;
Sary, A’idah Haniyah
TIN: Terapan Informatika Nusantara Vol 5 No 10 (2025): March 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)
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DOI: 10.47065/tin.v5i10.5756
Stunting is a significant issue in Indonesia caused by nutritional deficiencies that can lead to slower growth, cognitive impairment, and learning disorders. The stunting rate in Indonesia in 2022 was 21.6%, and the government aims to reduce this rate to 14% by 2024. Meanwhile, the stunting rate in Kulon Progo Regency reached 14.8%, placing it as the second highest stunting rate in the Special Region of Yogyakarta Province. Therefore, an effective strategy is needed to implement the acceleration program for reducing stunting in Indonesia, particularly in Kulon Progo Regency. One approach to reducing stunting is utilizing geographic information systems to map the distribution of stunting cases and potential causes. This study aims to analyze the spatial distribution of stunting cases in Kulon Progo Regency. The research method is a descriptive quantitative study using a geographic information system application, ArcGIS. The subject of study covers all stunting cases in Kulon Progo Regency from 2021 to 2023 based on secondary data from the Kulon Progo Health Office with a total of 5986 cases. The results of the study showed that stunting cases in Kulon Progo district formed a random pattern with a Moran's index value of -0.063811, and a p-value of 0.869570. In addition, the number of integrated health posts in this area is quite evenly distributed with more than 50 integrated health posts.
Digital Divide for Persons with Disabilities Related to Indonesian Information Technology Accessibility from Legal Perspective
Nurhayati, Siti;
Kardi, Kardi
ADLIYA: Jurnal Hukum dan Kemanusiaan Vol. 18 No. 2 (2024): ADLIYA: Jurnal Hukum dan Kemanusiaan
Publisher : Fakultas Syariah dan Hukum UIN Sunan Gunung Djati Bandung
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DOI: 10.15575/adliya.v18i2.28728
Website accessibility and digital content for people with disabilities in Indonesia remain inadequate. Based on the Internet Inclusive Index, Indonesia ranks 66th out of 120 countries with a score of 69.75 and fails to meet the Web Content Accessibility Guidelines (WCAG). Despite the enactment of Law Number 8 of 2016 concerning Persons with Disabilities and the ratification of the United Nations Convention on the Rights of Persons with Disabilities (UNCRPD) in 2011, accessibility rights to information and communication technology have not been fully realised. Existing studies have yet to comprehensively examine how digital law can be effectively applied to close the gap between legal norms and the digital inclusion of persons with disabilities. This research fills that gap by analysing the intersection of disability rights and digital law, identifying key legal and sociocultural barriers that contribute to the digital divide. Employing normative juridical methods and a statutory approach, the study is analysed using qualitative descriptive techniques. The digital divide is found to stem from three main factors: legal substance, institutional structures, and societal culture. The novelty of this research lies in its use of digital law as a conceptual and regulatory framework to formulate inclusive digital policy recommendations. These include the strategic implementation of Articles 5 and 127 of Law No. 8 of 2016, as well as the proposal for a government-regulated digital portal based on universal design principles. Additionally, a cultural shift from a compassion-based to a rights-based approach is essential to ensure that persons with disabilities are recognised as equal participants in the digital society.
Analisis Tingkat Pelayanan Terminal Bus Terpadu Pulo Gebang
Soekirman, Atong;
Huda, Muhammad Nur;
Setyawati, Aswanti;
Nurhayati, Siti;
Subandi, Subandi
Jurnal Manajemen Bisnis Transportasi dan Logistik Vol. 10 No. 1 (2024): Juni
Publisher : Institut Transportasi dan Logistik Trisakti
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DOI: 10.54324/j.mbtl.v10i1.1454
The main problem is that the DKI Jakarta Provincial Government is still not optimal in carrying out improvements to the Pulo Gebang integrated bus terminal, both in terms of facilities and services. This condition is reflected in the presence of passengers and drivers who have not maximized their use of the Pulo Gebang integrated bus terminal. This study aims to analyze service levels in increasing customer satisfaction. This research uses service quality analysis at the Pulo Gebang integrated bus terminal based on the level of passenger satisfaction using the Service Quality, Importance Performance Analysis and Quality Function Deployment methods. The research sample was bus passengers and the operational implementation unit as well as the Pulo Gebang integrated bus infrastructure and facilities implementation unit, totaling 100 respondents. The calculation results show the suitability value between the average perception score and the lowest average importance score, namely the service attributes, security guarantees and trust in services, which shows that the number of existing buses cannot fulfill customer desires. Other calculation results show that the conformity value does not reach 100%, so the Pulo Gebang Integrated bus terminal has not been able to fulfill customer desires as a whole.
Efektivitas Penggunaan Media Balok Cuisenaire dalam Pembelajaran Matematika Kelas I SD Muhammadiyah 1 Gondrong Kota Tangerang
Cahyani, Astria Indah;
Nurhayati, Siti;
Awiria, Awiria
MASALIQ Vol 1 No 3 (2021): NOVEMBER
Publisher : Lembaga Yasin AlSys
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DOI: 10.58578/masaliq.v1i3.54
This study aims to determine whether or not the use of Cuisenaire block media is effective in calculating students' mathematics sums. This study uses a quasi-experimental research method with the Noneequivalent Control Group Design. The population subjects in this study were students of class I SD Muhammadiyah 1 Gondrong Tangerang City by taking a sample of two classes of 42 students, namely class I A totaling 20 students as the control class. The data collection technique used the instrument of concept understanding test in the form of an essay consisting of 10 valid and reliable questions. To test the pretest hypothesis, calculate manually, in this study the t-test was used. The t-test results obtained a value of 3.97 > 2.093, which means that there is a significant difference in the learning outcomes of Mathematics using Cuisenaire blocks and those without Cuisenaire blocks. while for testing the experimental class hypothesis 1.141 < 2.080, it means that there is no difference in the understanding of mathematical arithmetic in addition to the results of the pretest and posttest data. This means that the learning outcomes of Mathematics using Cuisenaire blocks are higher than those without Cuisenaire blocks.
Efektivitas Model Pembelajaran Scramble pada Keterampilan Menulis Kalimat Siswa Kelas III SDN Pabuaran Tumpeng 2 Kota Tangerang
Rahayu, Isti Setia;
Nurhayati, Siti;
Manik, Nelly
MASALIQ Vol 1 No 3 (2021): NOVEMBER
Publisher : Lembaga Yasin AlSys
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DOI: 10.58578/masaliq.v1i3.62
Learning Indonesian Language and Literature in schools is to develop language skills both orally and in writing. Most students find it difficult to develop aspects of writing. Especially in stringing words to be arranged into a sentence. This difficulty may be caused by teachers who in their delivery are less precise and almost never use appropriate media. The problems mentioned above require alternative solutions in the form of learning models that can improve students' writing skills. A model that can provide a lot of information to students in order to inspire students and improve writing skills, through the Scramble Learning Model, students can find information about various vocabularies. In this study, researchers used quantitative methods and the variety of methods used in this study was experimental research with a pre-experimental design type of experiment. The research design used was a one-group pre-test-post test. Then the data collection technique used in this research is to use test questions (pre test and post test), observation, interviews and documentation. The research analysis uses the arithmetic mean. Based on the results of the post-test hypothesis, the t-test with the results of the T-value > with the T-table value, so that Ha which means 'Effectiveness of the Scramble Learning Model on Sentence Writing Skills for Class III Students at SDN Pabuaran Tumpeng 2 Tangerang City is accepted, and Ho which means "No Effectiveness". The Scramble learning model on Sentence Writing Skills for Class III Students at SDN Pabuaran Tumpeng 2 Tangerang City was rejected.
PENERAPAN METODE DEMPSTER SHAFER UNTUK DIAGNOSA KERUSAKAN BANGUNAN AKIBAT GEMPA DI KOTA JAYAPURA
Limbong, Alfa Natasya;
Limbong, Josua Josen Alexander;
Nurhayati, Siti;
Tonggiroh, Mursalim
JATISI Vol 11 No 4 (2024): JATISI (Jurnal Teknik Informatika dan Sistem Informasi)
Publisher : Universitas Multi Data Palembang
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DOI: 10.35957/jatisi.v11i4.7619
One of the impacts of the earthquake that hit Jayapura City in early 2023 was damage to buildings (houses and buildings). The ineffectiveness of the process of inventorying and identifying building damage is one of the obstacles faced by the Jayapura City BPBD, due to the limited number of personnel, the wide coverage of the painting area, and the inventory and discovery processes that are still being carried out manually. In addition, community knowledge about building damage and post-earthquake handling solutions is still limited. For this reason, an expert system is needed as a tool to carry out an inventory and help the level of damage to buildings along with recommendations for solving them quickly and precisely. This study aims to apply the Dempster Shafer method to diagnose earthquake damage to buildings. This method is a case approach technique used to measure a possibility that occurs based on a cause. For problem assistance using the Fishbone analysis method, system design using the Unifield Modeling Language (UML), and for testing using Black-Box Testing. The results of research using the Dempster Shafer method recommend three categories of building damage levels, namely light damage, moderate damage, and heavy damage. This study also recommends solutions for handling according to the type and level of damage to buildings experienced, so that the results of the inventory and damage assistance can be faster and more precise, and the community can be more vigilant in anticipating the arrival of aftershocks.
PENGARUH MODEL PEMBELAJARAN DISCOVERY LEARNING DENGAN BANTUAN MEDIA AUDIO VISUAL TERHADAP KEMAMPUAN BERPIKIR TINGKAT TINGGI SISWA PADA MATA PELAJARAN ILMU PENGETAHUAN SOSIAL (IPS) KELAS VIII SMP NEGERI 25 SAMARINDA
Nurhayati, Siti;
Sudarman, Sudarman;
Puri Rahayu, Vitria;
Sutrisno, Sutrisno
Jurnal Edueco Vol. 8 No. 1 (2025): Juni
Publisher : Prodi Pendidikan Ekonomi Universitas Balikpapan
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DOI: 10.36277/edueco.v8i1.274
Kemampuan berpikir tingkat tinggi menjadi aspek penting yang harus dimiliki oleh siswa dalam proses pembelajaran. Namun pada faktanya, kemampuan berpikir tingkat tinggi di kalangan siswa masih rendah sehingga mencerminkan rendahnya kualitas pembelajaran yang dijalankan oleh satuan pendidikan. Dalam upaya meningkatkan hasil belajar dan mencapai tujuan pendidikan dalam mengembangkan kemampuan berpikir tingkat tinggi siswa, guru perlu menggunakan metode pembelajaran yang tepat. Penelitian ini bertujuan untuk mengetahui pengaruh penggunaan model pembelajaran discovery learning dengan bantuan media audio visual terhadap kemampuan berpikir tingkat tinggi siswa pada mata pelajaran Ilmu Pengetahuan Sosial (IPS) kelas VIII SMP Negeri 25 Samarinda. Penelitian ini adalah penelitian kuantitatif dengan jenis penelitian eksperimen. Populasi dalam penelitian ini adalah seluruh siswa kelas VIII SMP Negeri 25 Samarinda, dengan teknik pengambilan sampel menggunakan random sampling, di mana kelas VIII A dipilih sebagai kelas kontrol dan kelas VIII B sebagai kelas eksperimen. Teknik penggumpulan data pada penelitian ini menggunakan teknik observasi dan tes. Berdasarkan hasil pengujian hipotesis diperoleh nilai sig 0,10 < 0,05, maka dapat disimpulkan bahwa terdapat pengaruh signifikan penggunaan model pembelajaran discovery learning dengan bantuan media audio visual terhadap kemampuan berpikir tingkat tinggi siswa pada mata pelajaran Ilmu Pengetahuan Sosial (IPS) kelas VIII SMP Negeri 25 Samarinda.
Coworking Spaces for Strengthening Academic Libraries Role (A New Trend in The Digital Age)
Kardi, Kardi;
Nurhayati, Siti;
Rahman, Muhammad Fawaizur
Pustakaloka Vol. 16 No. 2 (2024): Pustakaloka
Publisher : IAIN Ponorogo
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This research aims to encourage the role of libraries as learning resource centers. The rise of coffee shops is a challenge for library service developers. The paradigm shift and the pattern of user habits in obtaining information have had an impact on the decrease in the number of library visitors. The coffee shop offers a free space with a wide selection of food and soft drinks to meet and discuss with colleagues. The problem that arises then is how libraries can answer the challenge of changing user behavior in spreading information. This article tries to explain one of the efforts to provide a user-based service. This study uses a qualitative descriptive approach to describe the strategic role of libraries in the reality of changing people's information behavior. Secondary data from the previous article were collected and then analyzed descriptively and systematically. The validity of the supporting data is sufficient if it can answer this research problem. The results of this study provide an overview of the urgency of café-style co-working in libraries. Coworking spaces can be designed to resemble coffee shops with a variety of offerings while discussing collaboratively with visitors. Of course, the space is equipped with convenient supporting devices, such as an electricity connection, internet, adequate lighting, music, air conditioning, and flexible service hours. The coworking space in the library also provides access to services for journals and e-books. The library must also be ready to help users who have difficulties using electronic services.