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Small and Medium Enterprises (SMEs) play a crucial role in a country's economic growth. Therefore, lending to SMEs is an important element in supporting this sector. This study aims to evaluate bank performance in lending to SMEs, with a focus on efficiency, security and economic impact. This research methodology involves analyzing historical data from a number of banks that are active in supporting SMEs. Data includes the volume of credit disbursed, the interest rate applied, the credit approval process, and the non-performing loan ratio. Apart from that, the economic impact of credit provided to SMEs is also evaluated through business growth, job creation, and contribution to local GDP. The research results show variations in bank performance in lending to SMEs. Certain banks achieve high levels of efficiency in the credit approval and monitoring process, while others may face challenges in managing credit risk. The economic impact of credit to SMEs is positive, with significant business growth and job creation having a positive impact on the local economy.  

As an effort to increase enthusiasm and English learning in non-formal institutions, the Sunday School teachers embrace new methods containing organizing Community Service programs in collaboration with the universities. It is hoped that the method applied will increase children's motivation to join the learning process in a creative and fun way. Several things that are considered priority problems that must be resolved include: (1) Implementing Fun English Activities, (2) Increasing English vocabulary, (3) Pronunciation of English vocabulary and (4) Increasing enthusiasm and motivation for learning English. The solution offered is in the form of creative and fun English learning through games and songs as well as learning media with a Biblical theme. The activities were divided into two groups, first to fourth graders, and the fifth to sixth graders. The first group learned colors in various ways, vocabulary, and pronunciation in English. Meanwhile, the other group learned the Lord’s prayers and important vocabularies related to salvation. Both activities are equipped with interesting learning media. As the implementation, evaluation was conducted in the form of a quiz.

Training on the utilization of the Genially application as an innovative digital-based learning media for teachers at SMP Negeri 6 Inamosol, West Seram Regency, is an important initiative in improving the quality of education in the region. The training method consists of 3 steps, namely preparation (correspondence and coordination and needs analysis), implementation (socialization and training/practical and mentoring) and evaluation (testimony and post test). The training participants consisted of 10 people. The results showed that the training participants were very enthusiastic and able to create a variety of learning media with the Genelly application. This was also evident from the testimonials of 10 teachers who felt that the topics given were very interesting, and the training material for developing digital-based learning media with the Genelly application as a medium in the teaching and learning process was very useful. With this training, it is expected that teachers will become agents of change in improving the quality of education in West Seram Regency through the effective use of digital technology.

The purpose of this study is to catalogue the art and music culture education approaches that are in use at SMA Negeri 2 Lubuk Basung. Aspects such as learning objectives, learning materials, methods, musical instruments, learning processes, and evaluation are examined in the musical arts learning activities. The participants in this qualitative descriptive study are SMA Negeri 2 Lubuk Basung eighth-grade students. The researcher assumes the role of the research instrument, supplemented by auxiliary tools such as mobile phones, cameras, and stationery. Data collection was conducted through a systematic review of pertinent literature, observation, interviews, and documentation. Data collection, data classification, data clarification, data analysis, data description, and data conclusion are all components of data analysis techniques. The findings of the study indicate that the teaching modules in the independent curriculum do not provide comprehensive guidance for learning planning, which is influenced by various conditions. Research findings indicate that music culture instructors at SMA Negeri 2 Lubuk Basung have implemented music arts learning strategies consisting of five stages: learning preparation strategies, learning management strategies, strategies for utilising learning media, strategies for implementing model methods and learning approaches, strategies for motivating students, and strategies for evaluative purposes. The purpose of this study is to catalogue the art and music culture education approaches that are in use at SMA Negeri 2 Lubuk Basung. Aspects such as learning objectives, learning materials, methods, musical instruments, learning processes, and evaluation are examined in the musical arts learning activities. The participants in this qualitative descriptive study are SMA Negeri 2 Lubuk Basung eighth-grade students. The researcher assumes the role of the research instrument, supplemented by auxiliary tools such as mobile phones, cameras, and stationery. Data collection was conducted through a systematic review of pertinent literature, observation, interviews, and documentation. Data collection, data classification, data clarification, data analysis, data description, and data conclusion are all components of data analysis techniques. The results of the research suggest that the instructional modules within the self-directed curriculum fail to offer exhaustive direction for the process of learning planning, which is subject to a multitude of factors. Research findings indicate that music culture instructors at SMA Negeri 2 Lubuk Basung have implemented music arts learning strategies consisting of five stages: learning preparation strategies, learning management strategies, strategies for utilising learning media, strategies for implementing model methods and learning approaches, strategies for motivating students, and strategies for evaluative purposes.

Software architecture validation is the process of assessing whether a software architecture meets its intended requirements and goals. It is an important step in the software development process, as it can help to identify and address potential problems early on before they become more costly and difficult to fix. There are a variety of different methodologies that can be used to validate software architecture. Some of the most common methodologies include Architectural evaluation methods, Architecture tests and reviews, and Model-based validation. This paper will provide an overview of the different methodologies that can be used to validate software architecture. Apart from that, it also analyzes and summarizes the strengths and weaknesses of each method so that it can guide determining the most appropriate methodology for a particular case.

This study aims to describe the process of implementing bansi music learning in grade VIII.1 at SMP Pertiwi 2 Padang. This type of research is qualitative research with a descriptive approach. This research instrument is the researcher himself and is assisted by supporting instruments in the form of stationery and cameras. Data collection techniques are carried out by observation, interviews, documentation studies and literature studies. The steps of analyzing data are collecting data, describing the data and inferring the data. The results showed that the implementation of learning was in accordance with the teaching modules, in the learning process teachers had prepared modules and teaching aids. In the first meeting explaining the concept of traditional music, the second meeting students understood the functions and types of traditional musical instruments and played traditional musical instruments in groups, it was seen that there were still many students who could not play traditional musical instruments. Lack of classroom management and the methods used by teachers in teaching are not appropriate. Where the teacher uses the lecture method so that students get bored easily at the time of learning .and at the third meeting the teacher conducts an individual assessment of the learners, At the time of the evaluation carried out the teacher has also asked whether the students understand the material or not, then the teacher has also practiced repeatedly playing the traditional bansi musical instrument.

This research aims to ensure accuracy, ease of use, and effectiveness in the learning module development process which aims to increase understanding of the content of the 1945 Constitution of the Republic of Indonesia (UUD 1945). In this research, research and development (R&D) methods are used using the ADDIE development model, namely analysis, design, development, implementation, and evaluation. In the research results, it is known that the results of expert validation of teaching materials obtained a score of 96% and validation of material experts obtained a score of 91%. In the practicality results obtained from the response questionnaire to teachers and students after using the teaching modules used, the practicality results for teachers were 94% and students were 98%. In the results of its effectiveness by giving evaluation questions to class X students, an average of 83.7 was obtained, while the KKM for class The results of this research show that the learning module that has been created meets the third evaluation standard, namely validity, ease of use, and effectiveness.

The background of this research is that vertigo is a symptom caused by disturbances in body balance due to the different locations of the lesions. Vertigo is not a disease but a symptomatic condition of vestibular system disorders. Evaluation of patients with audiovestibular disorders, sensorineural hearing disorders, tinnitus, and vertigo . Brain MRI is used to evaluate patients with audiovestibular dysfunction, including sensorineural hearing loss, tinnitus, and vertigo. This research method is descriptive qualitative research with a case study approach using a research design, namely observation, interviews and documentation which aims to find out why the T2 MATRIX 3D SPAIR sequence is needed for MRI brain examinations in vertigo cases at the Radiology Installation at Balimed Hospital, Denpasar. The data collection method was obtained using 3 Brain MRI patients, 3 radiology specialists and 3 radiographers. The results of this research show that the Magnetic Resonance Imaging (MRI) brain examination procedure in Vertigo cases at the Radiology installation at Balimed Hospital Denpasar uses the additional T2 MX3D SPAIR sequence for Vertigo cases because this sequence is able to show the nerve fibers in the brain. The conclusion is that the Magnetic Resonance Imaging (MRI) brain examination procedure in Vertigo cases at the Radiology installation at Balimed Hospital Denpasar does not require special preparation, only more attention is paid to the patient's condition, whether they are wearing braces or dentures because the two tools used will interfere with the results of the MRI image used. The reason for using the T2 MX3D SPAIR sequence is with the aim of adding diagnostic information from the image quality results in order to establish a diagnosis of many neurological disorders or nerve fibers, one of which is Vertigo.  

The SME empowerment policy is generally directed at supporting efforts to overcome poverty and inequality, create job opportunities and increase exports, as well as agricultural and rural revitalization, which are national development priorities. In addition, the development of small and medium enterprises (MSMEs) is directed at making a significant contribution to creating job opportunities, increasing exports and increasing competitiveness.This Community Service Activity (PKM) is focused on MSMEs in Pagerharjo Village, Kulon Progo Regency. The reason for choosing this service location is because Pagerharjo Village is an Independent Cultural Village which has implemented the Preneur Village program since 2019. The Preneur Village is currently still active and developing. The problem with MSMEs, under the management of BUMDes Binangun Pagerharjo in Pagerharjo Village, Samigaluh, Kulon Progo Regency, is the lack of entrepreneurial spirit and financial bookkeeping which, on average, is still done manually.The results of the service include responses and evaluations from participants regarding the training that has been provided. The response was given by the Director of BUMDes who was impressed with the training provided which was different from the training that had been provided previously. Previous training involved mostly listening to lectures, whereas the current training involves participants being active in solving the various problems they face. The evaluation results show that the participants' knowledge has increased and their insight into their business has also increased. It turns out that producing a business is not only based on generations, but also requires innovation so that marketing will continue to develop and financial management will also improve.

This study aims to describe how the stages of implementation stream training informal sector workers in labor offices transmigration province of East Java in the expansion work, analyze the obstacles encountered in the planning of the training program, as well as modeling appropriate training in accordance with conditions on the ground and input from various parties, this research use descriptive qualitative research methods, techniques determination of informants using purposive sampling, these techniques have been because the researcher wants to focus on parties who know the conditions on the ground. Results from this study is the first training conducted regularly and the classical, the purpose of training has reached short-term goals in training but in the long term they need more motivation for the trainees, second, obstacle training during implementation consists of matter and the overcrowded curriculum tend to be the same as the previous training, time constraints, participation is not optimal, overall, limited time, resources and costs in the post-training evaluation and monitoring, the third development training model has not been implemented in this training.

Production quality in the printing industry is highly influenced by process consistency and the implementation of clear operational standards. A common issue faced by small and medium-scale printing industries, including those in Gedangan, Sidoarjo, is the absence of systematically developed Standard Operating Procedures (SOP), which leads to inconsistent production results and low operational efficiency. This Community Service Program (PKM) aims to provide assistance in the development and implementation of SOPs to improve production quality. The method employed is a participatory approach involving problem identification, SOP development, socialization and training, implementation, and evaluation stages. The results indicate a 25% increase in workers' understanding based on pre-test and post-test results. Additionally, there was a reduction in production errors and improvements in the consistency of print quality and work efficiency. Therefore, the implementation of SOPs has proven effective in enhancing production quality and operational performance in the printing industry sustainably.

This research addresses the application of conflict management in the work environment. Through analysis, it explores effective resolution strategies and their impact on organizational health. Qualitative research methods were used to collect data from various sources, including interviews, observations, and literature reviews. The study findings show that understanding the concept of conflict and applying appropriate resolution techniques are essential to creating a balanced work environment. Effective constructive solutions involve communication skills training, cultural development, and encouraging active participation to resolve conflicts. The identification of these solutions can have a positive impact on productivity and organizational well-being. Evaluating and measuring the success of conflict management implementation is a key factor to ensure a positive impact. Team performance assessment methods, team member satisfaction surveys, and evaluations were used to gain an understanding of achievements and potential improvements. This research contributes to the understanding of effective conflict management practices in the work environment.

The purpose of this research is 1) to find out the implementation of the muraja’ah method inthe program at MAN 2 Bukittinggi. 2) to determie the supporting factors and inhbiting factors in the implementation of the muraja’ah method in the Al-Qur’an tahfiz program. The type of research used in this research is qualitative research with data collection techniques using observation, interviews, and documentation with data analysis tecniques using data reduction, data display and conclutions. Based on the results of research on the implementation of muraja’ah in the tahfiz program at MAN 2 Bukittinggi. Based on resarch of the implementation of Tahfiz at MAN 2 Bukittinggi using the muraja’ah method, there are three steps of the muraja’ah, namely: 1)preparation, 2) Implementation of the muraja’ah method, and 3) Evaluation. The supporting factors for the implementation of in the muraja’ah tahfiz method at MAN 2 Bukittinggi are school resposes the quiqly respin to the potential the exist in students. Obstacle factors implementation muraja’ah tahfiz method are time, teaching staff, and motivation from students.

This research was conducted with the aim of examining and evaluating supervision and supervision practices in the educational context at Istiqlal Delitua Private High School. The research method used was interviews with two respondents who were parties involved in the process of supervision and supervision of education at this school. The results of the interviews provide in-depth insight into the effectiveness of supervision, implementation of supervision, supporting programs, actions taken when school principals do not carry out supervision, and the impact of supervision on improving the quality of education. This research was carried out as an assignment in the Educational Administration course under the guidance of Dr. Makmur Syukri, M.Pd.

Palembang City Research and Development Bappeda has several main tasks and is carried out by several different fields, one of which is the field of Regional Development Planning, Control & Evaluation which focuses on preparing regional development planning and budgeting, controlling through monitoring regional programs and activities, as well as carrying out evaluations. and reporting on regional development programs and activities. To carry out several main tasks in the PPEPD field, there are several work tools in the form of systems with running business processes, one of which is the Monitoring and Evaluation Information System (SI MonEv) which is used quarterly. Based on the analysis carried out at the Palembang City Research and Development Bappeda, especially in the field of PPEPD with a system that is already running to assist in carrying out tasks, there are several problems found in the process and its use, namely the inaccurate layout of the features and assets in the system interface, which causes a feeling of discomfort. in its use, and there are no features to support ease of use. Therefore, several system design efforts are needed that are able to provide solutions to problems, convenience, and refresh the existing system. This development takes the form of evaluating and designing the user interface on the system to provide refreshment to the interface and adding features to support ease of operation such as graphical data visualization to simplify the monitoring process, a search feature to simplify the process of searching for reports, notifications to provide notification of each entry of the latest report in order to avoiding missing information, and providing a deadline feature to minimize delays in the reporting process.

This research was motivated by the need to assess the effectiveness of lesson plans prepared by class XI biology teachers with reference to the 2013 curriculum. This evaluation aims to understand to what extent the quality of lesson plans includes the expected competencies and to what extent these lesson plans can support an effective learning process. In addition, this study also wanted to evaluate the correlation between the contents of lesson plans and student learning outcomes, with the aim of identifying the extent to which the implementation of lesson plans based on Curriculum 13 had an impact on the level of understanding and academic achievement of students. This research uses a qualitative approach. This research was conducted at SMA Negeri 1 Aek Songsongan with the research subject being a biology teacher. Data collected by interview technique. Data analysis techniques through data collection, data reduction, data display, and data conclusions. The results showed that the lesson plans based on the 2013 Curriculum have a significant correlation with student learning outcomes in Biology subject so that an organized and structured lesson plan helps enable more focused and efficient learning and encourages the use of innovative and participatory learning methods that involve students more actively.

Corruption in Indonesia is a chronic problem that damages the social and economic structure of the country. This paper explores the history of corruption from feudal times to the modern era, highlighting corrupt practices as part of the culture of government. The government has taken serious steps by establishing anti-corruption regulations and institutions to eradicate corruption that harms society and the state. This research uses the literature study method with a focus on improving governance and increasing transparency as an effort to prevent corruption. Through qualitative analysis, this research evaluates the effectiveness of existing anti-corruption regulations and institutions, as well as understanding the impact of corruption on people's social and economic rights. The results show that the government has taken concrete steps, such as establishing the Corruption Eradication Commission (KPK) and encouraging the use of information technology. However, the fight against corruption is faced with structural, cultural, instrumental and management barriers. Measures to improve governance and increase transparency are key to preventing corruption. Challenges include organized corruption, corrupt practices in the private sector, and non-compliance with regulations. Lack of resources is a constraint, and corruption in complex bureaucratic systems complicates case handling. Improving coordination, transparency, and public participation is needed to overcome these challenges. The government needs to continuously monitor and evaluate the effectiveness of corruption-fighting measures. Regular evaluation, public participation, and human resource capacity building are key to creating a strong and resilient system against corrupt practices. Collective awareness and cooperation between the government, anti-corruption organizations, and society are essential to build an Indonesia that is clean from corruption and just for all its people.  

This research aims to determine the analysis of students' mathematical critical thinking abilities based on questions based on TIMSS VIII SMP Negeri 29 Medan. This research is descriptive qualitative research. The subjects in this research were 33 students in class VIII-7 of SMP Negeri 29 Medan. The results of the research show that: (1) The average value of students' interpreting abilities is 76.01, which indicates that students' interpretation indicators are in the high category. (2) The average student score in analyzing the mathematical critical thinking ability test is 64.39, which shows that the students' analysis indicators are in the medium category. (3) The average score of students' abilities in the evaluation indicators on the mathematical critical thinking ability test is 41.48, which shows that the students' evaluation indicators are in the low category. So it is concluded that students with high abilities are only able to fulfill 2 critical thinking indicators, namely interpreting and analyzing indicators, 2 students with moderate mathematical abilities are only able to fulfill 2 critical thinking indicators and students with low mathematical abilities, there is 1 student only fulfilling 1 critical thinking indicator in One of the question numbers is the evaluating indicator in question number 3.

This study aims to describe the process of learning the subject of fiqh in class I MI Miftahul Huda Karangturi in the 2022/2023 academic year. This study uses a qualitative approach with a type of field research, where researchers directly collect data at the research location. Data collection techniques include observation, interviews, and documentation. Data analysis is carried out through the stages of data collection, data reduction, data presentation, and drawing conclusions. The results of the study indicate that the fiqh learning process at MI Miftahul Huda Karangturi has been carried out systematically including planning, implementation, and evaluation. However, several obstacles were found in the learning process, such as the dominant use of the lecture method, low class management by teachers, low student interest in learning, limited teaching materials, and minimal use of learning media. The recommended efforts to overcome these obstacles include: the application of varied learning methods, improving teachers' abilities in managing classes and building emotional closeness with students, giving educational sanctions to students who are less focused, using interesting learning media, providing capable learning aids, and utilizing technology to support fiqh learning more optimally.

This literature study aims to analyze and describe the integration of moral values ​​in Islamic Religious Education (PAI) learning based on coastal local wisdom for elementary school students. The focus of this study is to identify moral values ​​that are relevant to the lives of coastal communities, analyze strategies for integrating coastal local wisdom in PAI learning, and describe the potential for developing PAI teaching materials based on coastal local wisdom. The research method used is a literature study with a descriptive-analytical approach. The sources of research data are journal articles, reference books, curriculum documents, and relevant previous research results over the past ten years. Data collection techniques are carried out through identification, classification, and content analysis. The results of the study show that: (1) Moral values ​​that are relevant to the lives of coastal communities include gratitude for the gifts of the sea, honesty, cooperation, courage, patience, and responsibility for the environment; (2) The strategy of integrating local coastal wisdom in Islamic Religious Education learning can be done through the development of contextual teaching materials, experiential learning methods, and authentic evaluation; (3) The development of Islamic Religious Education teaching materials based on local coastal wisdom has the potential to increase the relevance of learning, strengthen local cultural identity, and facilitate the internalization of moral values ​​in elementary school students. This study concludes that the integration of moral values ​​in Islamic Religious Education learning based on local coastal wisdom is a relevant and potential strategy to be implemented in elementary schools in coastal areas, especially at SDN 007 Panipahan.