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All Journal ACCENTIA: Journal of English Language and Education International Journal Administration, Business & Organization Notary Law Journal
Maharani, Putri Regina
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Perilaku Debitur Kredit Macet Pinjaman Online pada Kelurahan Alalak Utara Kecamatan Banjarmasin Utara Kota Banjarmasin Budiman, Rahmat; Pratama, Achmad Rusya Putra; Rahman, Adella; Ramallah, Jihad; Ayman, Muhammad Fairuz; Saputra, Muhammad Gilang; Majiid, Muhammad Nor; Maharani, Putri Regina; Cristianty, Vinara
Notary Law Journal Vol. 3 No. 2 (2024): April-Juni
Publisher : Program Studi Kenotariatan Fakultas Hukum Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32801/nolaj.v3i2.62

Abstract

Di masa dimana kebutuhan dan hasrat manusia semakin besar, masyarakat mulai melakukan berbagai cara untuk mendapatkan uang, salah satunya dengan melakukan pinjaman online. Pinjaman online adalah sebuah jasa pinjaman uang yang diadakan melalui media elektronik oleh berbagai penyedia jasa. Oleh sebab sulitnya persyaratan melakukan pinjaman kepada bank, maka masyarakat mulai banyak berpindah untuk menggunakan jasa pinjaman online, di sisi lain meskipun pinjaman online dianggap lebih mudah, masih banyak yang mengalami kredit macet, hal ini turut dialami oleh masyarakat Kecamatan Alalak Utara. Peneliti melakukan penelitian terhadap perilaku kredit macet masyarakat Alalak Utara, dengan menggunakan metode penelitian empiris dengan lima orang informan. Peneliti melakukan penelitian terhadap pengetahuan masyarakat terhadap pinjaman online itu sendiri, penyebab dari penggunaan jasa pinjaman online, faktor-faktor penyebab terjadinya kredit macet dan dampak yang dialami masyarakat sebab terjadinya kredit macet. Berdasarkan penelitian ini, didapatkan hasil bahwa masyarakat mengetahui jelas apa dan apa saja jasa pinjaman online, bahwa informan menggunakan jasa pinjaman online dikarenakan kebutuhan primer maupun karena hasrat pribadi, selanjutnya ditemukan juga bahwa masyarakat mengalami kredit macet disebabkan oleh besarnya bunga yang diberikan oleh jasa penyedia pinjaman online dan kurangnya pengelolaan keuangan, dan dampak yang diterima masyarakat dari terjadinya kredit macet adalah gangguan psikologis dari para penagih hutang dan sulitnya mereka mendapatkan pinjaman di masa mendatang.
The use of SQ6R method in increasing EFL students' reading comprehension Rusmiati, Rusmiati; Maharani, Putri Regina; Susidamaiyanti, Susidamaiyanti
ACCENTIA: Journal of English Language and Education Vol 2, No 1 (2022): JUNE 2022
Publisher : Lembaga Penelitian, Penerbitan, Pengabdian dan Pengembangan Masyarakat (LP4M) Unmuha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37598/accentia.v2i1.1330

Abstract

This study was carried out to overcome the difficulties in reading comprehension encountered by high school students. The SQ6R method was offered as the appropriate method to solve the problem in this school. It is aimed at assisting students to get reading information and its meaning. This research utilized quantitative method, i.e. experimental research to find the answer as to whether the SQ6R method could increase students' reading comprehension. The sample of this study was 30 students, equally distributed in both experimental group (class IX3) and control group (class IX2), of a junior high school in Central Aceh, Indonesia. The data of the study was gathered by conducting two tests (pre and post with the treatment in between) which was further analyzed by using t-test. The results indicated that although both classes increased their scores in the post-test, the scores of experimental class who experienced the SQ6R method in their learning increased significantly (39 84) and outperformed those in the control class (33 63). Furthermore, the result of t-test was found to be 13.53 which was higher than t-table of 1.4 at a significance level of 0.05. This signified that the hypothesis (Ha) was accepted and the hypothesis (H0) was rejected. Thus, SQ6R method could increase the students reading comprehension. Based on the results, the teachers are recommended to apply this method in their teaching and learning process.
Pengaruh Penggunaan Dompet Digital GoPay Terhadap Perilaku Konsumtif Mahasiswa Politeknik Negeri Bandung Maharani, Putri Regina
International Journal Administration, Business & Organization Vol 4 No 3 (2023): IJABO
Publisher : Asosiasi Ahli Administrasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61242/ijabo.23.273

Abstract

The purpose of this study was to determine the effect of the use of digital wallets on the consumer behavior of students. This study was conducted at the Bandung State Polytechnic (Polban with a total of 110 respondents from engineering and non-engineering majors, both who have or are still using the GoPay digital wallet. This study used descriptive analysis, validity test, reliability test, correlation test, and simple regression. Data collection techniques through questionnaires with the media in the form of Google Forms that are distributed through social media and directly to respondents who meet the criteria. Based on the results of the research, it was obtained that 16.7% of consumptive behavior was influenced by the use of GoPay digital wallets, while 83.3% of consumptive behavior was influenced by other variables that were not discussed in this study. The results of this study show that the influence of the use of GoPay digital wallet on the consumptive behavior of Polban students is relatively low.
The use of SQ6R method in increasing EFL students' reading comprehension Rusmiati, Rusmiati; Maharani, Putri Regina; Susidamaiyanti, Susidamaiyanti
Accentia: Journal of English Language and Education Vol 2, No 1 (2022): JUNE 2022
Publisher : Lembaga Penelitian, Penerbitan, Pengabdian dan Pengembangan Masyarakat (LP4M) Unmuha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37598/accentia.v2i1.1330

Abstract

This study was carried out to overcome the difficulties in reading comprehension encountered by high school students. The SQ6R method was offered as the appropriate method to solve the problem in this school. It is aimed at assisting students to get reading information and its meaning. This research utilized quantitative method, i.e. experimental research to find the answer as to whether the SQ6R method could increase students' reading comprehension. The sample of this study was 30 students, equally distributed in both experimental group (class IX3) and control group (class IX2), of a junior high school in Central Aceh, Indonesia. The data of the study was gathered by conducting two tests (pre and post with the treatment in between) which was further analyzed by using t-test. The results indicated that although both classes increased their scores in the post-test, the scores of experimental class who experienced the SQ6R method in their learning increased significantly (39 84) and outperformed those in the control class (33 63). Furthermore, the result of t-test was found to be 13.53 which was higher than t-table of 1.4 at a significance level of 0.05. This signified that the hypothesis (Ha) was accepted and the hypothesis (H0) was rejected. Thus, SQ6R method could increase the students reading comprehension. Based on the results, the teachers are recommended to apply this method in their teaching and learning process.
Co-Authors Ayman, Muhammad Fairuz Budiman, Rahmat Cristianty, Vinara Majiid, Muhammad Nor Pratama, Achmad Rusya Putra Rahman, Adella Ramallah, Jihad Rusmiati Rusmiati Saputra, Muhammad Gilang Susidamaiyanti, Susidamaiyanti