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All Journal Jurnal Ilmiah Ekonomi, Manajemen dan Syariah Journal of Society Counseling
Carolina, Anna
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Religion Humanities Economics, Econometrics & Finance Social Sciences Other

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POLA PEMANTAUAN & PENGAWASAN TERHADAP PEMBIAYAAN DALAM BANK SYARIAH Carolina, Anna; Vitram, Khansa Lathifah; Reni, Kok; Anzani, Mayang; Maulina, Mila
Jurnal Ilmiah Ekonomi, Manajemen dan Syariah Vol. 3 No. 2 (2024): JIEMAS: Jurnal Ilmiah Ekonomi, Manajemen dan Syariah
Publisher : STAI Darul Qalam Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55883/jiemas.v3i2.56

Abstract

To prevent irregularities and facilitate supervision of a financing, the prospective customer must take several procedures, including financing approval procedures, administrative procedures (completing the financing requirements documents) and monitoring procedures. The monitoring stage is something that must be carried out by Islamic banks by directly observing all customer activities until the customer has paid off the financing according to article 2(2) PBI No. 5/7. / PBI / 2003. Preventive supervision is an effort by Islamic banks to secure and ensure financing so that the quality of financing can be maintained properly, this is regulated in Financial Services Authority Regulation No. 42/POJK. 03/2017. The monitoring process can be carried out in various ways, namely on desk monitoring (administrative monitoring of financing), on site monitoring (visiting the customer's business location), and exception monitoring (monitoring of financing under pressure). This monitoring really needs to be done because if there is a failure in the financing sector it can affect the soundness of the bank and the continuity of the business which in this case is caused by problematic financing.
Peran Multidimensional Lingkungan Sekolah terhadap Kondisi Emosional Siswa Sekolah Dasar: Studi Kasus Kualitatif Wati, Putri Widya; Oktaviani, Oktaviani; Zulkarnain, Muhammad; Carolina, Anna; Silaturi, Mareta; Swita, Ana; Murniviyanty, Liza; Arizona, Arizona
Journal of Society Counseling Vol. 4 No. 1 (2026): Journal of Society Counseling
Publisher : Scidacplus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59388/josc.v4i1.843

Abstract

This study aims to analyze the role of the school environment in shaping the emotional well-being of elementary school students. The study used a descriptive qualitative approach with a case study method, conducted with third-grade students at SD Negeri 85 Palembang. The study subjects consisted of one teacher and six students, selected purposively. Data collection techniques included observation, interviews, and documentation, while data analysis was conducted through data reduction, data presentation, and drawing conclusions using thematic analysis. The results showed that students' emotional well-being is significantly influenced by three main dimensions of the school environment: social, physical, and cultural. Specifically, empathetic and communicative teacher-student interactions have been shown to increase students' self-confidence and active participation in learning. Supportive peer relationships encourage students' comfort and courage in expressing their opinions, while negative interactions, such as light teasing, tend to decrease self-confidence and learning engagement. Physically, clean, well-organized classrooms with good lighting and ventilation improve concentration and emotional stability, while noise and uncomfortable temperatures trigger restless behavior. Furthermore, a school culture that instills the values of discipline, responsibility, and mutual respect contributes to positive student emotional regulation. These findings indicate that the school environment acts as a complex and dynamic system in contextually shaping students' emotional states.
Co-Authors Anzani, Mayang arizona, arizona Maulina, Mila Muhammad Zulkarnain Murniviyanty, Liza Oktaviani oktaviani Reni, Kok Silaturi, Mareta Swita, Ana Vitram, Khansa Lathifah Wati, Putri Widya