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All Journal Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Sabar : Jurnal Pendidikan Agama Kristen dan Katolik Paradigma: Jurnal Filsafat, Sains, Teknologi, dan Sosial Budaya
Agnes Pasaribu
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Religion Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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Restructuring House Financing (KPR) Due to the Impact of the Covid-19 Pandemic at Pt Bank Tabungan Negara (Persero) Tbk KC Banyuwangi Agnes Pasaribu; Wisnu Ardytia
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 5, No 2 (2022): Budapest International Research and Critics Institute May
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i2.4943

Abstract

Banks as financial institutions can collect funds from the public and channel them back to the community in the form of credit. One of the services provided by BTN KC Banyuwangi is a home financing loan. There are times when credit is disbursed by troubled banks due to various factors, one of which is being affected by the COVID-19 pandemic, causing debtor customers to default, so credit restructuring is needed. The question of this research is how to apply the regulation of POJK No. 11/2020 to the restructuring of housing loans at PT BTN KC Banyuwangi and the legal consequences of the restructured credit agreements. This research uses empirical and normative juridical methods, where the application of research is through literature studies, documentation and interviews. Data processing performs editing, coding and analysis. The results of the study concluded that the restructuring of KPR BTN KC Banyuwangi was carried out referring to PBI Number 8/2/2006 and POJK Number 11/2020, namely by taking into account the quality of productive assets, customer good faith and selecting the right rescue strategy target, namely the period of delaying payments for 6 month to 1 year. The legal consequence of the addendum to the financing contract is that it is in addition to the initial financing contract, so that the provision of the initial financing contract is still enforced as a binding condition for the parties.
Peran Kurikulum Merdeka dalam Meningkatkan Keaktifan Siswa pada Pembelajaran PAK Agnes Pasaribu; Ordekoria Saragih
Sabar : Jurnal Pendidikan Agama Kristen dan Katolik Vol. 2 No. 1 (2025): Januari : Sabar : Jurnal Pendidikan Agama Kristen dan Katolik
Publisher : Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/sabar.v2i1.519

Abstract

The Independent Curriculum is an approach to global education created to provide more freedom for teachers and students in the learning process. In the context of Christian Religious Education (PAK), the Independent Curriculum is needed to increase student activity through the implementation of learning that is more flexible and in sync with the needs and potential of each student. This research aims to explore the role of the Merdeka Curriculum in increasing students' activeness in PAK learning. Through a more student-centered approach and encouraging active participation, the Independent Curriculum is needed to create a more enjoyable, creative and productive learning atmosphere. The results of this research show that the application of the Merdeka Curriculum in PAK can increase student activity, both in terms of emotional, intellectual and social involvement. Thus, the Independent Curriculum not only places freedom in learning, but is also the key to creating a progressive and effective learning atmosphere.
Optimalisasi Content Digital Marketing Dalam Meningkatkan Brand Loyalty Chesya Sitompul; Indri Pangaribuan; Agnes Pasaribu; Hana Hutajulu; Mariana Simanjuntak
Paradigma: Jurnal Filsafat, Sains, Teknologi, dan Sosial Budaya Vol. 31 No. 2 (2025): Paradigma: Jurnal Filsafat, Sains, Teknologi, dan Sosial Budaya
Publisher : Universitas Insan Budi Utomo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33503/paradigma.v31i2.2757

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh optimasi pemasaran konten digital terhadap peningkatan loyalitas merek Bolu Menara, produk UKM lokal ternama di Balige, Sumatera Utara. Penelitian ini berfokus pada bagaimana pemasaran konten dan kolaborasi digital memengaruhi kesadaran merek, keterlibatan pelanggan, dan pada akhirnya keputusan pembelian. Data dikumpulkan melalui kuesioner yang disebarkan kepada 100 responden yang telah berinteraksi dan pernah menjadi konsumen Bolu Menara, dipilih menggunakan teknik purposive sampling. Penelitian ini menggunakan pendekatan metode campuran, menggabungkan analisis kuantitatif melalui SEM-PLS (Structural Equation Modeling - Partial Least Squares) menggunakan SmartPLS 4.0 dan analisis kualitatif melalui wawancara dan observasi media sosial. Hasil penelitian menunjukkan bahwa pemasaran konten dan kolaborasi digital memiliki efek positif yang signifikan terhadap kesadaran merek dan keterlibatan pelanggan, yang pada gilirannya secara signifikan memengaruhi loyalitas merek. Lebih lanjut, kolaborasi digital bertindak sebagai variabel mediasi yang memperkuat pengaruh pemasaran konten terhadap kinerja penjualan. Temuan ini memberikan wawasan penting bagi UKM, khususnya Bolu Menara, yang menekankan perlunya penceritaan digital yang konsisten, kolaborasi dengan influencer, dan strategi konten interaktif untuk meningkatkan keterlibatan konsumen dan perilaku pembelian. Studi ini berkontribusi pada pemahaman tentang bagaimana pemasaran digital terintegrasi dapat memperkuat daya saing UKM di era digital.
Co-Authors Chesya Sitompul Hana Hutajulu Indri Pangaribuan Ordekoria Saragih Simanjuntak, Mariana Wisnu Ardytia