Ramadhan, Nugraha Pratama
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Efforts to Overcome Obstacles to Bailout Funds for KGPN Cooperative Customers in Medan Tembung District Perkasa, Ripho Delzy; Ramadhan, Nugraha Pratama; Zaki, Ahmad
International Journal Of Education, Social Studies, And Management (IJESSM) Vol. 4 No. 2 (2024): The International Journal of Education, Social Studies, and Management (IJESSM)
Publisher : LPPPIPublishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52121/ijessm.v4i2.340

Abstract

This research aims to determine the factors that cause problematic credit at the KGPN Cooperative, Medan Tembung District. This research uses qualitative research with interview observation and documentation methods. The problems in this research are: 1. What causes Bad Credit in Cooperatives? 2. What are the Efforts to Pay Off Loans for Cooperative Members Who Bail Out Customers of the Medan Tembung District KGPN Cooperative? The effort to resolve the loan bailout from cooperative members which was bailed out by KGPN Cooperative customers in Medan Tembung District is to carry out good communication with customers. If you don't get results, you will contact someone close to the customer. Cooperatives are the implementation of chapter 33 of the Constitution as regulated in Law Number 25 of 1992 concerning Cooperatives. Cooperatives in Indonesia have a big influence on the survival of local residents. Moreover, in cooperatives there are several cooperative members and non-cooperative members who are not punctual in returning their debts at the predetermined time. Bad credit in savings and loan cooperatives has become a matter of great concern for the health of the cooperative itself. Bad debts in cooperatives are increasing over time and are difficult to collect. Gutter funds are widely used in the current transaction process. Such as implementing the pay late concept which uses bailout funds first. So that the main payment is made in accordance with the terms and policies of both parties. In other cases, bailout funds can be applied to various transaction areas, not only buying and selling transactions.
Strategi Pembinaan Adab Siswa Kelas IX Oleh Guru Akidah Akhlak di MTS Al-Hidayah Patumbak Narpila, Suci Dahlya; Asmoro, Windu; Embriana, Bagus Irvan; Ramadhan, Nugraha Pratama
Cognoscere: Jurnal Komunikasi dan Media Pendidikan 2025: Cognoscere Volume 3 Issue 1 Year 2025 (In Progress Issue)
Publisher : CV. Lenggogeni Data Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61292/cognoscere.249

Abstract

The aim of writing this article is to (1) Identify the moral condition of class IX students at MTS Al-Hidayah Patumbak, (2) Analyze the supporting and inhibiting factors for developing the morals of class IX students at MTS Al-Hidayah Patumbak, and (3) Describe the strategies of aqidah teachers morals in developing the manners of class IX students at MTS Al-Hidayah Patumbak. The type of research method used is qualitative research, with descriptive analysis techniques proposed by Miles and Huberman which include interviews, observation and documentation. The subjects of this research are (1) Madrasah Head Teacher, (2) Aqidah Akhlak Teacher, and (3) Counseling Guidance (BK) Teacher at MTS Al-Hidayah Patumbak located on Jl. Pelita No.75, Patumbak Village, Medan, North Sumatra. The results of this research indicate that the current moral condition of class IX MTS Al-Hidayah Patumbak students requires efforts to ensure maximum moral development of students. Supporting and inhibiting factors for developing the morals of class IX students at MTS Al-Hidayah Patumbak, include: Supporting Factors: (1) Increasing religious values, social values and exemplary, (2) The role of the madrasa head, (3) A good school environment, ( 4) Collaboration from all parties in the school, and (5) school policies to develop student morals. Inhibiting Factors: (1) Limited time to improve students' morals, (2) Living environment, (3) Low awareness of students regarding the importance of developing manners in schools, and (4) advances in the times such as the emergence of advanced technologies such as cellphones and so on. others that influence students' moral development. And the moral aqidah teacher's strategy in developing the manners of class IX students at MTS Al-Hidayah Patumbak, namely: (1) Implementing an example, (2) Giving warnings, (3) Giving punishment, and (4) Class conditioning. Abstrak Penulisan artikel ini bertujuan untuk (1) Mengidentifikasi bagaimana kondisi akhlak siswa kelas IX di MTS Al-Hidayah Patumbak, (2) Menganalisis faktor pendukung dan penghambat pembinaan akhlak siswa kelas IX di MTS Al-Hidayah Patumbak, dan (3) Mendeskripsikan strategi guru akidah akhlak dalam membina adab siswa kelas IX di MTS Al-Hidayah Patumbak. Jenis metode penelitian yang digunakan ialah penelitian kualitatif, dengan teknik analisis deskriptif yang dikemukakan oleh Miles dan Huberman yang meliputi wawancara, observasi, dan dokumentasi. Adapun subjek penelitian ini adalah (1) Guru Kepala Madrasah, (2) Guru Akidah Akhlak, dan (3) Guru Bimbingan Konseling (BK) MTS Al-Hidayah Patumbak yang berlokasi di Jl. Pelita No.75, Patumbak Kampung, Medan, Sumatera Utara. Hasil penelitian ini menunjukkan bahwa kondisi akhlak siswa kelas IX MTS Al-Hidayah Patumbak saat ini memerlukanĀ  perlu adanya upaya untuk menjamin pembinaan akhlak peserta didik secara maksimal. Faktor pendukung dan penghambat pembinaan akhlak siswa kelas IX di MTS Al-Hidayah Patumbak, meliputi: Faktor Pendukung: (1) Meningkatkan nilai keagamaan, nilai sosial, dan keteladanan, (2) Peran kepala madrasah, (3) Lingkungan sekolah yang baik, (4) Kolaborasi dari semua pihak di sekolah, dan (5) kebijakan sekolah untuk mengembangkan moral siswa. Faktor Penghambat: (1) Terbatasnya waktu untuk meningkatkan akhlak siswa, (2) Lingkungan tempat tinggal, (3) Rendahnya kesadran siswa akan pentingnya pembinaan adab di sekolah, dan (4)kemajuan zaman seperti munculnya teknologi-teknologi canggih seperti handphone dan lain-lain yang memengaruhi perkembangan moral siswa. Dan strategi guru akidah akhlak dalam membina adab siswa kelas IX di MTS Al-Hidayah Patumbak, yaitu: (1) Penerapan keteladanan, (2) Pemberian teguran, (3) Pemberian hukuman, dan (4) Pengkondisian kelas. Kata kunci: Strategi Guru, Pembinaan Adab, Akidah Akhlak
Efforts to Overcome Obstacles to Bailout Funds for KGPN Cooperative Customers in Medan Tembung District Perkasa, Ripho Delzy; Ramadhan, Nugraha Pratama; Zaki, Ahmad
International Journal Of Education, Social Studies, And Management (IJESSM) Vol. 4 No. 2 (2024): The International Journal of Education, Social Studies, and Management (IJESSM)
Publisher : LPPPIPublishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52121/ijessm.v4i2.340

Abstract

This research aims to determine the factors that cause problematic credit at the KGPN Cooperative, Medan Tembung District. This research uses qualitative research with interview observation and documentation methods. The problems in this research are: 1. What causes Bad Credit in Cooperatives? 2. What are the Efforts to Pay Off Loans for Cooperative Members Who Bail Out Customers of the Medan Tembung District KGPN Cooperative? The effort to resolve the loan bailout from cooperative members which was bailed out by KGPN Cooperative customers in Medan Tembung District is to carry out good communication with customers. If you don't get results, you will contact someone close to the customer. Cooperatives are the implementation of chapter 33 of the Constitution as regulated in Law Number 25 of 1992 concerning Cooperatives. Cooperatives in Indonesia have a big influence on the survival of local residents. Moreover, in cooperatives there are several cooperative members and non-cooperative members who are not punctual in returning their debts at the predetermined time. Bad credit in savings and loan cooperatives has become a matter of great concern for the health of the cooperative itself. Bad debts in cooperatives are increasing over time and are difficult to collect. Gutter funds are widely used in the current transaction process. Such as implementing the pay late concept which uses bailout funds first. So that the main payment is made in accordance with the terms and policies of both parties. In other cases, bailout funds can be applied to various transaction areas, not only buying and selling transactions.