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Desi Novianti; Yogi Bachtiar; Dewi Anjani

Kegiatan Positif : Jurnal Hasil Karya Pengabdian Masyarakat 2023 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

At RT 06/014 Kel. Palmerah, West Jakarta, there is an urgent need to increase digital literacy among parents, who vary in age and level of technological knowledge. Reliance on digital technology poses challenges in supervising children and online safety. This challenge can be overcome by conducting digital literacy training designed to close knowledge gaps, improve online security, and provide skills to use technology responsibly. This training is carried out through lectures, simulations, and practice. Survey results showed high satisfaction (4.2/5) with the training content, but there was demand for more hands-on activities, especially regarding social media and data security. This training aims to equip parents with the skills necessary to support their children's education in a dynamic digital environment.

Gadis Ragil Krisistiya; Marhaendra Kusuma; Imarotus Suaidah

Riset Ilmu Manajemen Bisnis dan Akuntansi 2023 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

The aim of this research is to find out how environmental management accounting, green innovation and environmental performance are used by the Nganjuk Regency Environmental Service. Descriptive research with a qualitative approach was used. The data used in this research comes from interviews conducted in 2022, as well as data from the Nganjuk Regency Environmental Service. Descriptive analysis is used to analyze the data. describes the results of his findings based on the data collected.The results of this research indicate that the Nganjuk Regency Environmental Service has completed the treatment stages of implementing environmental management accounting for waste management costs and has evaluated the level of environmental performance well. In addition, they have implemented green innovation as a form of social responsibility to society and the environment, as seen in the presentation of waste management costs included in detailed financial reports. Furthermore, the more environmental performance evaluations carried out, the higher the level of community satisfaction. Conversely, the lower the level of environmental performance evaluation, the lower public satisfaction with the company.

Safira Khoirotunnisa; Wahyu Eko Pujianto

Riset Ilmu Manajemen Bisnis dan Akuntansi 2023 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This research analyzes the role of transformational leadership in the development of the IPNU-IPPNU organization in Plumbungan Village. Through interviews with organizational leaders, it was revealed that transformational leadership is realized through mutual learning incentives and the placement of members according to their talents. With 40 members divided into 16 men and 24 women, the organization focuses on developing individual potential. Transformational leadership not only motivates members to play an active role in organizational development at the village level, but also involves them in various programs such as cheerful camping, regular jam'iyah, and compensation for orphans. The history of the development of IPNU-IPPNU in Plumbungan Village records the concrete contribution of transformational policies in these activities, creating a positive impact on organizational spirit. Even though faced with challenges and obstacles, transformational leadership helps overcome these problems through joint deliberation. Future hopes for the development of this organization include the goal of producing young cadres with ahlussunah waljamaah character, and transformational leadership is expected to remain the main pillar in realizing development plans, continuing to encourage a spirit of collaboration and commitment to the organization's vision.

Farah Fadiyah; Wahyu Eko Pujianto

Riset Ilmu Manajemen Bisnis dan Akuntansi 2023 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This research aims to analyze the Remas Organization (Riyadhul Jannah Mosque Youth) KD Kampil Village, which was founded at the end of 2020. The problems that are the focus of the research include the lack of involvement of members, especially female members, lack of initiative from youth, and internal problems in monthly deliberations. The research methods used were participatory observation, interviews with the Head of the Organization, Ahmad Syafi'udin, and analysis of documentation related to organizational activities. The research results show that the lack of involvement of female members is influenced by the large number of female members who are married, while the lack of youth initiative is caused by the workload of young people who are already working. Internal problems in monthly deliberations involve disagreements between members and inconsistent attendance. Proposed improvement efforts include increasing the involvement of female members through special programs, encouraging youth initiative through leadership training activities, and improvements in the deliberation process to increase the effectiveness of meetings and minimize conflict. It is hoped that this research can contribute to improving the performance and involvement of members in the KD Kampil Village Remas Organization.

Hasna Hamida Alifia Ar-Rasyi

Riset Ilmu Manajemen Bisnis dan Akuntansi 2023 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Brand Ambassador and Social Media Marketing are effective marketing strategies to encourage purchasing decisions. This study aims to determine the direct and indirect effects of brand ambassadors and social media marketing on purchasing decisions for Nature Republik products. This research uses a quantitative descriptive approach. The population of this study were consumers of Nature Republik, the sampling technique used purposive sampling totaling 100 respondents who live in Malang City. This research data analysis was carried out using the SEM PLS method using the SmartPLS application, descriptive analysis test and hypothesis testing. The results showed that 1) Brand Ambassador has a positive and significant effect on purchasing decisions for Nature Republic products in Malang City, 2) Brand Ambassador has a positive and significant effect on Social Media Promotion of Nature Republic products in Malang City, 3) Social Media Promotion has a positive and significant effect on Purchasing Decisions for Nature Republic products in Malang City.

Rachmawati Fidia Cahyani Sugistin; Wahyu Eko Pujianto

Riset Ilmu Manajemen Bisnis dan Akuntansi 2023 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

The Karang Taruna Organization (KARTAR) in Jati Sidoarjo Village, especially KARTAR RW 01, has become a significant entity in community development and empowerment efforts. With various work programs and activities, KARTAR RW 01 has succeeded in making positive contributions that have had an impact on revitalizing the spirit of youth participation. Through purchasing glass drinks when someone dies, environmental activities, and security monitoring by providing CCTV, KARTAR RW 01 is able to create a better community environment. The impact of this participation can be seen in easing the economic burden on the community, increasing environmental security, and reviving the spirit of participation of young people who were previously less involved in community activities. Regulatory support, such as Youth Law no. 40 of 2009 and Minister of Home Affairs Regulation Number 114 of 2014, strengthen the role of KARTAR RW 01 in youth empowerment. As an awareness agent, this organization not only participates in physical activities but is also involved in increasing the awareness and sensitivity of the younger generation towards the surrounding environment. The concept of youth participation in development, in line with national ideals and regulations governing youth empowerment, is reflected in the practices of KARTAR RW 01. This organization is not only an implementer, but also a pioneer of these values ​​in every activity. Thus, youth participation in KARTAR RW 01 is not only fulfilling social responsibility, but also becoming a real means of achieving national goals in developing an inclusive, just and sustainable society.

Qorirotul Uyun; Mashudi Mashudi; Dahruji Dahruji

Jurnal Riset dan Publikasi Ilmu Ekonomi 2023 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The demand for Madurese herbal medicine products is increasing significantly in every region, this cannot be separated from Madura herbal medicine producers as providers of halal products. In this study, the object of research was the producer of Madurese herbal medicine in the Kwanyar Madura sub-district area. This research was conducted on producers to find out what factors influence the influence of culture and halal certification on consumer loyalty. This research aims to find out the process of Madurese herbal medicine producers in Kwanyar sub-district to obtain halal certification from the halal product guarantee administration body (BPJPH) using an analytical approach. multiple linear variables through cultural influence, halal certification, consumer loyalty. The method used in this research is quantitative using multiple linear analysis tests. The sampling technique is the technique used for sampling in this research with a non-probability sampling technique using a purposive sampling approach. This test consists of normality test, multicollinearity test, heteroscedasticity test, autocorrelation test, t test, f test, and multiple linear analysis.

Rezki Yolandi Febri; Bambang Kurniawan; Awal Habibah

Jurnal Ekonomi dan Keuangan Islam 2023 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This research is motivated by the problem of transparency carried out by the Jambi City Baznas not being able to provide trust to the wider community, lack of trust is one of the obstacles for the community to pay zakat through zakat institutions, the lack of transparency carried out by the Jambi City Baznas causes a lack of trust in the Jambi City community so that the people of Jambi City feel dissatisfied and have not used the Jambi City Baznas Institute. This research aims to (1) To find out whether there is a significant influence of transparency on Muzakki's satisfaction in paying zakat at Baznas Jambi City, (2) To find out whether there is a significant influence of trust on Muzakki's satisfaction in paying zakat at Baznas Jambi City, (3) To determine whether there is a significant influence of transparency and trust on muzakki satisfaction in paying zakat at Baznas Jambi City. In this research, researchers used the Quantitative Descriptive method. The technique used in sampling is the saturated sampling technique, namely the technique used when the entire population is used, the questionnaire method used is using a Likert scale. To collect data using Questionnaires, Interviews and Documentation. The data analysis techniques used in this research are Data Quality Test, Classic Assumption Test, Hypothesis Test, Multiple Linear Regression Analysis Coefficient of Determination. The research results show: (1) There is a significant influence between the transparency variable on the satisfaction of muzakki paying zakat at Baznas Jambi City. (2) There is no significant influence between the trust variable at Baznas Jambi City. Providing education to the entire Jambi City community that the Jambi City Baznas programs can be implemented well and can provide real transparency regarding both fund management and data input. In this way, it can maintain muzakki or become loyal to muzakki in Jambi City Baznas.

Akbar Setia Budi; Andri Juniarta; Asta Gilang Patria; Lilis Renfiana

Jurnal Ekonomi dan Keuangan Islam 2023 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

As a religious institution, Islamic boarding schools have enormous potential in advancing prosperity and economic development. They also have a significant impact on the daily lives of the students who attend. Therefore, the Nasyrul 'Ulum Islamic boarding school which is located at Tempuran 12a Central Lampung created an integrated agricultural business unit to advance its welfare and economic development. The purpose of this research is to describe and evaluate the following things: the steps in establishing an integrated agricultural business unit (IFB) in Islamic boarding schools, the business unit carried out is catfish cultivation, where waste from food or leftovers from students is made into catfish feed and catfish wastewater are used as organic plant fertilizer; the results of this process for the economy of these schools; and factors that facilitate or hinder the growth of the Islamic boarding school economic trend. Researchers use a qualitative approach to answer the problem formulation. Research findings show that the Islamic boarding school's efforts to develop its economy through integrated agricultural business units have succeeded in increasing the boarding school's income and creating jobs for the community around the boarding school and especially alumni of the Nasyrul 'Ulum Islamic boarding school and how many jobs are available in accordance with the amount of effort made, source available resources, and the extent to which the community is involved in the program. Apart from creating jobs, it can also increase the knowledge, skills and experience of both local communities and students in the agricultural sector. Especially in the field of fisheries cultivation.    

Indri Febrianti; M. Padeli Wibowo; Ahmad Rifai; Aisyah Oktaviana; Nanjah Fachira Ayundari +2 more

Jurnal Ilmu Sosial, Bahasa dan Pendidikan 2023 Pusat Riset dan Inovasi Nasional

This research discusses the role of character education management in shaping the morals of students at MIS Cendikia Insani Al-Washliyah Sukamandi Hulu. The research background highlights the urgent need for character formation amidst the complexity of global challenges. The aim of the research is to analyze the influence of character education management on the moral development of students. The research method uses a qualitative approach and library research involving researchers as key instruments. Data was collected through interviews and content analysis, with research carried out at MIS Cendikia Insani Al-Washliyah Sukamandi Hulu. It is hoped that the research findings will provide in-depth insight into the implementation of character education management in the school. The implications of this research include recommendations for expanding data collection methods, involving the perspectives of parents and students, and detailing the steps of the character education management model. It is hoped that the research results can provide a concrete basis for developing a more effective character education program at MIS Cendikia Insani Al-Washliyah Sukamandi Hulu.

Wahidin Wahidin

The International Conference on Education, Social Sciences and Technology 2023 International Forum of Researchers and Lecturers

The focus of this research is on the significance of prudent financial management in the context of Islamic consumption. Young families face complex financial challenges, and understanding the principles of Islam in financial management can provide a solid foundation for both financial and spiritual well-being. The objective of the study is to identify the impact of financial management on young families within the framework of Islamic consumption. The problem formulation involves a general overview of the financial challenges faced by young families and the importance of implementing Islamic principles. The research aims to analyze financial challenges, explore Islamic principles, and develop effective strategies in the financial management of young families. This article is a literature review utilizing qualitative methods. Document data is collected from relevant journals and books and analyzed using content analysis methods. The research findings indicate that financial management within the framework of Islamic consumption has a positive impact. Young families actively applying Islamic principles experience improved financial well-being, spiritual balance, and a positive contribution to society through business practices and investments aligned with Sharia principles

Ackhriansyah Ahmad Gani; Mahathir Mohammad

Jurnal Suara Pengabdian 45 2023 LPPM Universitas 17 Agustus 1945 Semarang

There are many benefits to a village having a website that is managed seriously. Lighten the government's workload and make things easier for village communities. This service activity will be carried out in Paddinging Village, which is one of the villages in Sanrobone District, Takalar Regency, South Sulawesi. This consideration regarding location selection is because Paddinging Village does not yet have a village website. On the other hand, Paddinging Village has several natural potentials which can be maximized by disseminating information to people inside and outside the village. Paddinging Village has quite large natural and tourism potential but has not received special attention from the government. The expanse of mountains and rice fields as well as the mist that sometimes covers it, accompanied by cool air are the characteristics of Paddinging Village. Apart from that, Paddinging Village has a pine forest which is very suitable as a camping spot on the weekend. Even the water there comes from springs directly from the mountains, which can be used as a basic ingredient for a mineral drinking water business.

Nurul Muna; Indra Buana

Jurnal Inovasi Riset Ilmu Kesehatan 2023 Pusat Riset dan Inovasi Nasional

Lung cancer is one of the most common causes of death today. One case of right lung squamous cell carcinoma with COPD and atelectasis has been reported in a 44 year old male patient. Based on the history, the patient said he had experienced chest pain for 1 week before entering the hospital and had a cough without phlegm or blood. Physical examination revealed dull chest wall percussion at the apex of the right lung and dullness in the left lung field, vesicular breathing sounds in both lung fields and rhonchi in the left lung field. The results of the supporting examination found a mass in the left lung on a chest x-ray and a bronchoscopy examination found a right lung tumor (type?) T3N1M0 Stage IIIA and the results of the anatomical pathology examination showed a picture of non-small cell carcinoma type squamous cell carcinoma. Patients are treated with chemotherapy and symptomatic therapy.

Martha Dwi Novalia; Umi Eliawati; Utari Christya Wardhani

Jurnal Inovasi Riset Ilmu Kesehatan 2023 Pusat Riset dan Inovasi Nasional

The quality of health services is a manifestation of the results of the performance of health workers which results in patient satisfaction, if the service meets or exceeds what the patient expected (Antari, 2019). Service quality is assessed from five variables, namely Reliability, Responsiveness, Physical Evidence, Guarantee and Empathy. The aim of the research was to determine the relationship between the quality of nursing services and the level of outpatient satisfaction at RSBT Karimun in 2023. The research carried out was descriptive correlational research and a cross-sectional approach. The sampling method used was consecutive sampling with a sample size of 174 outpatients at Bakti Timah Karimun Hospital in 2023. Research data was collected by filling in questionnaires by respondents. The research data were analyzed univariately with frequency tables and bivariate tests with the Chi Square test. The results of the univariate analysis show a picture of Service Quality from the reliability variable. The results of the bivariate analysis of the Reliability and Satisfaction variables were obtained, so it can be concluded that there is a significant relationship between service quality and satisfaction of outpatients at Bakti Timah Karimun Hospital in 2023. It is hoped that this research's suggestions will enable the educational institution at Awalbros University, Batam, to increase nurses' knowledge about the quality of nursing services. to increase patient satisfaction.

Annisa Fitri Rahmadini; Imas Nurjanah; Nurul Azmi; Fikria Nur Ramadani

Jurnal Inovasi Riset Ilmu Kesehatan 2023 Pusat Riset dan Inovasi Nasional

HIV stigma is negative attitudes and beliefs about HIV sufferers. One of the obstacles in controlling HIV/AIDS is stigma and discrimination against People living with HIV/AIDS (PLWHA). Stigma and discrimination are carried out by ordinary people, including students who do not have sufficient knowledge about HIV/AIDS. This research aims to determine the factors that influence stigmatizing attitudes towards HIV/AIDS among health students in Bogor. This research activity was carried out at the Prima Husada Bogor Midwifery Academy. The method used is quantitative analysis with a descriptive correlation research design with a cross sectional approach. Using an incidental sampling technique with an online questionnaire measuring tool consisting of 38 questions, there were 180 respondents from the total sampling results. Data were analyzed using the Chi-Square test with a confidence level of 95%. Results: Based on the research results, 60.6% of students have stigmatized attitudes, 82.2% of students have marital status of parents who live together, 53.9% of people have less knowledge about HIV/AIDS, 53.3% of people lack sources of information, 60 .6% have less trust, 48.3% of people have a negative attitude towards HIV/AIDS, and 72.8% live in rural areas. There is a strong correlation in the level of knowledge and stigma with p-value = 0.000. and p-value 0.003, and there is a significant correlation between attitudes and stigma, with p-value 0.037. The result is that stigmatization of attitudes among young women is influenced by factors of knowledge, belief and attitudes towards HIV/AIDS and PLWHA.

Rindasari Munir; Fitria Lestari; Lela Zakiah; Meti Kusmiati; Anggun Anggun +4 more

Jurnal Inovasi Riset Ilmu Kesehatan 2023 Pusat Riset dan Inovasi Nasional

According to the World Health Organization (WHO), the incidence of dysmenorrhea reaches 90%. The prevalence is generally higher in young women in the 17 to 24 year age group, which is estimated at 60-90%. More than 50% of menstruating women in the world report suffering from primary dysmenorrhea. This research was conducted to analyze factors that influence menstrual pain (dysmenorrhea) in students at the Prima Husada Bogor Midwifery Academy. This study used a cross sectional design on 62 samples with a simple random sampling technique. The analysis used is univariate and bivariate with chi square. The research results showed that the age of menarche factor had no influence on menstrual pain in students at the Prima Husada Midwifery Academy with a p value of 0.426 and an Odds Ratio (OR) of 0.659. From the results of the research conducted, it is clear that health education related to dysmenorrhea is very necessary for young women in general and students at the Prima Husada Midwifery Academy in particular by providing counseling related to reproductive health. Teenagers should expand their knowledge about dysmenorrhea so that they know what to do to reduce pain. during menstruation.

Shanti Ariandini; Nina Yusnia; Sunarti Sunarti; Epa Parida; Zelitha Ayu +3 more

Jurnal Inovasi Riset Ilmu Kesehatan 2023 Pusat Riset dan Inovasi Nasional

Unwanted sex-related behavior, such as demands for sex and other physical and verbal sexual abuse, is known as sexual violence or harassment. These actions certainly have a significant and broad impact on people's lives, especially children and teenagers. The impact of sexual violence can last long after the experience ends and is closely related to the life circumstances of children and adolescents both during and after sexual interactions. Finding factors that influence the prevalence of sexual violence among adolescents is the aim of this research. In this study, 390 samples were randomly sampled using a cross-sectional strategy. Chi square was used in univariate and bivariate analysis. The analysis findings show that gender, age, knowledge, peers, and information media are the variables that have the strongest relationship with adolescent violence (p value <0.05). Sexual violence against teenagers is taught in schools, and as a preventive measure, local governments should expand their services for victims of sexual harassment.

Maia Welia Dinda; Assri Fitrida Putri; Ilmenia Zulianty; Hanisa Azura; Ulfa Dwina +2 more

Jurnal Inovasi Riset Ilmu Kesehatan 2023 Pusat Riset dan Inovasi Nasional

The study period is an important phase in a person's educational journey at college or university level. 3rd and 5th semester students often experience higher pressure due to increasingly complex and demanding coursework. This study aims to investigate the correlation between emotional intelligence and Psychological Well-Being among Padang State University students. This research method is quantitative correlation using Product moment correlation analysis. The results show a strong and significant positive correlation (Pearson correlation coefficient = 0.625) between emotional intelligence and Psychological Well-Being. With a significance value of <0.01. Findings showed that individuals with higher psychological well-being tended to have positive emotions and pleasant feelings, whereas those with lower psychological well-being tended to have negative emotions and less pleasant feelings.

Cahyo Adhi Nugroho

Jurnal Akta Notaris 2023 Program Studi Kenotariatan Program Magister

Penelitian ini dilatarbelakangi mengingat pentingnya tanah dan atau bangunan tersebut dalam kehidupan, maka sudah sewajarnya jika orang pribadi atau badan hukum yang mendapatkan nilai ekonomis serta manfaatdari tanah dan atau bangunan karena adanya perolehan hak atas tanah dan atau bangunan dikenakan pajak oleh negara. Pajak yang dimaksud adalah Bea Perolehan Hak atas Tanah dan atau Bangunan (BPHTB) dalam Undang-Undang Nomor 21 Tahun 1997. Penelitian ini bertujuan untuk mengetahui pengenaan pemungutan BPHTB terhadap transaksi jual beli Tanah dan atau bangunan dibawah nilai jual objek pajak (NJOP) di kota Semarang. Disamping itu, untuk mengetahui peranan Notaris/ PPAT dalam pengenaan pemungutan BPHTB. Serta mengetahui hambatan-hambatan yang timbul dan upaya yang dilakukan dalam mengatasi pemungutan BPHTB. Berdasarkan hasil penelitian menunjukkan bahwa Notaris/ PPAT termasuk sebagai salah satu pejabat yang mempunyai peranan penting dalam pelaksanaan pemungutan pajak Bea Pero!ehan Hak atas Tanah dan Bangunan (BPHTB). Dalam kehidupan bermasyarakat kadang-kadang KPPBB tidak mengetahui kejadian ataupun peristiwa yang harus dikenakan BPHTB, misalnya perolehan hak atas tanah dan bangunan karena jual beli. Seperti yang diketahui bahwa perolehan hak atas tanah dan atau merupakan objek yang dikenakan pajak BPHTB, maka untuk memperoleh data mengenai peristiwa jual beli tersebut perlu dijalin kerjasama dengan pihak Notaris/ PPAT. Notaris selain mempunyai wewenang dalam membuat akta yang otentik, juga mempunyai tugas dan tanggung jawab untuk memberikan bantuan penyuluhan hukum. Selain itu Notaris/ PPAT mempunyai kewajiban untuk pelaporan atau pemberitahuan perolehan hak atas tanah dan atau bangunan, berdasarkan ketentuan yang berlaku. Dalam PP No. 34 Tahun 1997- ditentukan bahwa Notaris/ PPAT harus melaporkan perolehan hak atas tanah dan atau bangunan setiap bulan.

Debi Permana; Agus Nurudin; Catharina Mulyani Santoso

Jurnal Akta Notaris 2023 Program Studi Kenotariatan Program Magister

Penelitian ini menggambarkan tentang pelaksanaan eksekusi jaminan fidusia di PT. Adira Dinamika Multifinance Tbk, Cabang Ungaran, dimana permasalahan dalam penulisan ini, yaitu bagaimana pelaksanaan eksekusi terhadap jaminan fidusia pada kredit macet di lembaga pembiayaan PT. Adira Dinamika Multifinance Tbk, Cabang Ungaran, faktor apa saja penghambat eksekusi jaminan fidusia pada kredit macet di lembaga pembiayaan PT. Adira Dinamika Multifinance Tbk,Cabang Ungaran, dan bagaimana upaya yang sudah dilakukan PT. Adira Dinamika Multifinance Tbk, Cabang Ungaran dalam melakukan eksekusi jaminan fidusia. Penelitian ini menggunakan metode pendekatan yuridis empiris dengan analisa data kualitatif yaitu menguji data dengan konsep teori, peraturan perundangan, dan studi di lapangan. Pelaksanaan eksekusi obyek jaminan fidusia di PT. Adira Dinamika Multifinance Tbk, Cabang Ungaran, dilakukan secara langsung oleh petugas, baik di rumah debitur, atau di tempat lain dimana obyek jaminan tersebut berada, sehingga hal ini tidak sesuai dengan Putusan Mahkamah Konstitusi Nomor 18/PUU-XVII/2019 karena akan timbul biaya-biaya tambahan dan membutuhkan waktu lama dalam melakukan upaya penyelamatan asset. Dalam pelaksanaan eksekusi jaminan fidusia ini ditemui beberapa hambatan yaitu adanya niat buruk debitur, keberadaan obyek jaminan tidak diketahui, unit digadai, adanya campur tangan ORMAS, kondisi unit yang tidak utuh. Upaya yang telah dilakukan adalah melakukan proses pra kredit secara selektif, memberikan program keringanan Rehab / Restructure, melakukan kunjungan ke rumah debitur secara rutin, mengawasi tempat tinggal debitur.