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All Journal SCIENTIA JOURNAL : Jurnal Ilmiah Mahasiswa Jurnal DIKDAS
Herina, Herina
Unknown Affiliation
Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Other

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PERLINDUNGAN HUKUM PADA BANK TERHADAP PENERIMAAN JAMINAN PERORANGAN DALAM PENYALURAN KREDIT Herina, Herina; Svinarky, Irene
SCIENTIA JOURNAL Vol 4 No 3 (2021): Volume 4 Nomor 3 2021
Publisher : LPPM Universitas Putera Batam

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Abstract

In credit financing, it is inseparable from the provision of material guarantees that are used as credit guarantees. The purpose of the request for collateral is to secure credit and minimize risk if the debtor does not fulfill his obligations. The use of individual guarantees is also carried out as additional collateral for the provision of debtor credit. In providing individual guarantees, banks accept third parties as guarantors only based on the credibility and reputation of the guarantor itself. The bank does not perform an appraisal or prior to the amount and wealth owned by the guarantor because there are no objects belonging to the guarantor that are bound to the creditor to fulfill the debtor's obligations if the debtor defaults. Based on the above background, this research was conducted with the aim of describing the mechanism for receiving individual guarantees at banks. This study uses an empirical juridical approach. The results of this study will show the form of legal protection for banks in receiving individual guarantees in order to avoid running away from the responsibility of the guarantor.
Pengembangan Sumber Belajar Berbasis Budaya Lokal di Kelas IV SDN Sunju Amiruddin, Ayu Cahyani; Herina, Herina; Firmansyah, Arif; Surahman, Surahman
JURNAL DIKDAS Vol. 13 No. 1 (2025): JURNAL DIKDAS
Publisher : Primary School Teacher Education Study Program; Faculty of Teacher Training and Education; Tadulako University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22487/jds.v12i1.4170

Abstract

The purpose of this research is to develop a learning resource based on local culture in the 4th-grade class at SDN Sunju. This study uses development steps according to the Sugiyono model, which consists of 10 stages. Due to time and cost limitations, this research only follows 5 stages, which include: problem potential, data collection, product design, design validation, and design revision. 1) Problem potential, observations show that most of the teachers and students are from the Kaili ethnic group. Additionally, existing learning resources have not been optimally utilized to introduce and promote local culture. 2) Data collection, the researcher conducted field studies and literature reviews to gather information related to the learning resources being developed. 3) Product design, the researcher developed a learning resource based on the local culture of the area. 4) Design validation, after creating the culture-based learning resource, the researcher conducted a design validation involving three experts: a subject matter expert, a language expert, and a media expert. The results of the validation showed that the learning resource was valid and feasible for use, as seen from the average score of the subject matter expert 5 (very good), the language expert 3.96 (good), and the media expert 4.47 (very good). 5) Design revision, the researcher made revisions based on the advice and suggestions from the experts to improve the learning resource. From these results, it can be concluded that the culture-based learning resource is suitable for use in the learning process at school.
Co-Authors Amiruddin, Ayu Cahyani Arif Firmansyah Irene Svinarky Surahman Surahman