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All Journal Jurnal Ekonomi dan Bisnis Indonesia These proceedings represent the work of researchers participating in The International Conference on Elementary Education (ICEE) which is being hosted by the Elementary Education Study Programme School of Postgraduate Studies, Universitas Pendidikan
Aprianti, Yuli
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Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences

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English English Aprianti, Yuli; Supriatna, Nana
International Conference on Elementary Education Vol. 6 No. 1 (2024): Proceeding The 6th International Conference on Elementary Education
Publisher : Elementary Education Study Program School of Postgraduate Studies Universitas Pendidikan Indonesia in collaboration with UPI PRESS

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Abstract

Students' diverse learning needs require teachers to be able to determine learning strategies. Teachers must be able to recognise and understand students' intelligence and develop it for future success. Differentiated learning is an attempt to adjust the learning process in the classroom to meet the individual learning needs of each learner. Differentiated learning is flexible, meaning learners learn with peers of similar or different abilities according to their strengths and interests. Gardner's theory states that intelligence is not only Intelligence Quotient (IQ) Intelligence is not only about a child's high IQ level, but there are other aspects of intelligence found in children. Every child is unique, they have different ways of absorbing and processing the information they receive. The research method used is qualitative with observation and interview techniques. This research was conducted on teachers and students of grade 4 elementary school. The results showed that differentiated learning is able to facilitate the needs of diverse students. Through differentiated learning all students' learning needs can be accommodated so that it has an impact on the development of students' multiple intelligences.
ANALISIS KETAHANAN PELUNASAN ANGSURAN KOPERASI SIMPAN PINJAM MENGGUNAKAN PENDEKATAN SURVIVAL ANALISIS Hakim, Lukmanul; Aprianti, Yuli
Jurnal Ekonomi dan Bisnis Indonesia Vol 10 No 2 (2025): JURNAL EKONOMI DAN BISNIS INDONESIA
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Teknologi Sumbawa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37673/jebi.v10i2.7044

Abstract

This study aims to analyze the repayment durability of cooperative loan installments and to identify factors influencing default risk. The study applies survival analysis using the Kaplan–Meier estimator and Cox Proportional Hazard regression. Secondary data were obtained from Tunggal Karya Semamung Savings and Loan Cooperative, Sumbawa Regency, covering January–October 2025, with a sample of 147 cooperative members. The dependent variable is repayment durability, while independent variables include loan size, business scale, and loan status. Kaplan–Meier results indicate a decreasing survival probability over time. Cox regression results reveal that loan size has a positive and significant effect on default risk, whereas business scale has a negative and significant effect. Loan status does not show a statistically significant effect. These findings suggest that economic capacity and loan characteristics play a crucial role in determining loan repayment sustainability in cooperative financing
Co-Authors Lukmanul Hakim Nana Supriatna