This article describes and examines whether the tort victim can profit from the proceeds of the tortfeasor s liability insurance. This article aims to reflect on which approach, either in common or civil law, provides more access for the tort victim to profits from the proceeds of insolvent tortfeasor s liability insurance policy. The method used in this research is comparative research. The result of this research showed that the status of insurance proceeds becomes debatable because the tort victim (as the claimant) will have no better rights than any other unsecured creditors during insolvency proceedings. This is regardless of the fact that the tortfeasor already got a fund, albeit indirectly through the insurer, to compensate the tort victim s losses. In relation to this issue, the United Kingdom has adopted the Third Parties (Rights against Insurers) Act 2010 which gives right for tort victim to directly claim for compensation against tortfeasor s liability insurer in the event of tortfeasor s insolvency. Meanwhile, the Indonesian legal system provides no clear legal protection to the tort victim. Thus, in the event of insolvency, the tort victim cannot obtain compensation from the insurer, but only from tortfeasor s bankruptcy estate as part of creditors debts. Furthermore, as an unsecured creditor, the tort victim will obtain the debtor s bankruptcy estate after all secured creditors have received their payment.

<em>This article describes and examines whether the tort victim can profit from the proceeds of the tortfeasor’s liability insurance. This article aims to reflect on which approach, either in common or civil law, provides more access for the tort victim to profits from the proceeds of insolvent tortfeasor’s liability insurance policy. The method used in this research is comparative research. The result of this research showed that the status of insurance proceeds becomes debatable because the tort victim (as the claimant) will have no better rights than any other unsecured creditors during insolvency proceedings. This is regardless of the fact that the tortfeasor already got a fund, albeit indirectly through the insurer, to compensate the tort victim’s losses. In relation to this issue, the United Kingdom has adopted the Third Parties (Rights against Insurers) Act 2010 which gives right for tort victim to directly claim for compensation against tortfeasor’s liability insurer in the event of tortfeasor’s insolvency. Meanwhile, the Indonesian legal system provides no clear legal protection to the tort victim. Thus, in the event of insolvency, the tort victim cannot obtain compensation from the insurer, but only from tortfeasor’s bankruptcy estate as part of creditors’ debts. Furthermore, as an unsecured creditor, the tort victim will obtain the debtor’s bankruptcy estate after all secured creditors have received their payment.</em>

ABSTRAK  Penelitian ini di latar belakangi dengan di zaman era modern ini dan serba instan, internet sudah merambah ke dunia bidang jasa yang disebut sebagai warnet. Pada dasarnya, warnet merupakan salah satu bentuk usaha yang dikelola oleh satu kelompok atau individu yang memberikan pelayanan berupa jasa internet oleh penggunanya. Biasanya pengguna dikenakan biaya per jam atau paket, sesuai lama penggunannya.Penelitian ini menggunakan pemdekatan kualitatif,lokasi penelitian di warnet MEDIA NET yang terletak di Jl Cinde Barat 1 Ruko No. 2, Kelurahan Jomblang, Kecamatan Candisari, Jomblang, Candisari, Kota Semarang, Jawa Tengah. Sumber data menggunakan observasi,wawancara,dan dokumentasi.Hasil penelitian ini adalah : produk jasa yang ditawarkan di warnet ini cukup beragam seperti paket pelajar,paket umum,dan paket malam yang sangat diminati oleh banyak kalangan. dapat promosi yang dilakukan adalah hanya menyebar brosur saja di sekolah-sekolah sekitar tempat usaha dan lampu merah di tentara pelajar. Tempat yang dipilih oleh MEDIA NET cukup strategis karena tempat yang dipilih berdekatan dengan sekolah dan pemukiman warga dan yang terpenting dekat dengan jalan raya.  Kata Kunci   : MEDIA NET, Produk,Tempat,Promosi,Harga

<p>Microstrip antenna when the antenna is one of the very rapid development in telecommunications systems that applied to many modern telecommunication equipment today. One application is the wifi. Wifi (Wireless Fidelity) is a wellknown tech-nology that utilizes an electronic device to exchange data wirelessly (using radio waves) over a computer network, including high-speed Internet connection, to provide a network connection to all users in the surrounding area. The purpose of this final project is to design microstrip patch antenna built a circular linier array that can be used for signal wifi stronger. The resulting microstrip antenna working in 2.4 GHz band with the acquisition of gain =3.4301 dBi, VSWR = 1.3749 and radiation pattern unidirectional. This antenna design simulation using the software Ansoft High Frequency Structure Simulator v13. For linear circular microstrip patch antenna array then showed its parameters.<br />Keywords: Microstrip Antenna, Wifi, Array, VSWR, Gain</p>

<p><em>One form of physiotherapy is utilizing heat for recovery. Heat therapy can open blood vessels wider, thereby increasing blood flow and supply of oxygen and nutrients to reduce pain in joints, muscles, ligaments and injured tanks. To help health services in the field of physiotherapy the author modifies the therapeutic pillow with Arduino Uno and DS18B20 based as a temperature sensor, LCD as a temperature viewer and a timer and button that functions to choose how long it takes to do therapy. The design of therapeutic pillows is divided into two, namely hardware and software design, hardware design including power supply, a series of drivers and system scenarios. While the software design of this tool uses the Arduino and proteus applications as software. The result of the percentage error at the TP2 measurement is 0.02%. The measurement results on TP3 when the tool is off or off, then the circuit does not get a voltage while when the device is turned on or on the driver circuit gets a voltage of 1.4 Volt. After making the process of making, testing, testing tools and data collection, the author has succeeded in designing a heat therapy pillow using a temperature sensor and ARDUINO UNO based timer controller that can provide convenience when going to heat therapy because it is equipped with an automatically controlled temperature sensor and controller timer. by DS1820 temperature sensor. A therapeutic pillow based on Arduino with 10 minutes of therapy results in a </em><em>temperature of 41</em><em> °C.</em></p><div id="gtx-trans" style="position: absolute; left: 192px; top: 89.9861px;">  </div>

This study aims to describe the role applied by the principal to improve teacher work commitments. This research was conducted with a qualitative descriptive approach using a multi-site approach at the Baitul Izzah Integrated Islamic Elementary School (SDIT) and the Islamic Elementary School (SDI) Plus Baitul Ikhlas Nganjuk. Research data were obtained from the principal as key informants, teachers, committees, and foundations. Data was collected in the form of structured and unstructured in-depth interviews, participatory observation, and document study. Data sourced from field notes, documents, and interview transcripts that were reduced were then analyzed for validity and credibility tests using triangulation techniques. The results of the study include: 1) the task approach strategy as an obligation that must be completed by the teacher in the context of professional relations; 2) spiritual approach to increasing teacher commitment at school; 3) family approach through active communication to increase teacher work commitment.