This study aims to analyze credit management strategies in reducing non-performing loans (NPL) at PT. BPR Ambulu Dhanaartha in Jember Regency. This study uses a descriptive method with a qualitative approach. Data collection was carried out through direct interviews with the bank, observation, and documentation studies from various relevant sources. The results of the study indicate that PT. BPR Ambulu Dhanaartha implements credit management strategies through the stages of planning, organizing, implementing, and monitoring. The factors causing non-performing loans come from internal aspects, such as credit analysis errors, as well as external factors, such as economic conditions and disasters. The handling strategies implemented include restructuring, rescheduling, and confiscation of collateral. By implementing strict credit analysis, structured credit policies, periodic supervision, and effective collection strategies, PT. BPR Ambulu Dhanaartha is able to minimize the risk of non-performing loans and maintain its operational stability.
 

In the era of online business that continues to grow, the development of technology-based entrepreneurial models, or technopreneurship, has become the main focus of attention. Rapid changes in information technology and the internet have changed the way we do business. This article will discuss how technopreneurship has become the key to exploiting new opportunities in the digital world. In this discussion, we will explain the importance of technopreneurship in the context of online business, including the role of technological innovation, use of online platforms, e-commerce, and mobile applications. This research uses library research, namely a method of collecting data by understanding and studying theories from various literature related to the research. This data collection uses the method of searching for sources and constructing them from various sources, for example books, journals and research that has already been carried out. Library materials obtained from various references are analyzed critically and must be in-depth in order to support the propositions and ideas.

The purpose of this research is to describe the parenting patterns of middle childhood children who have personality disorders in Sobih Hamlet, Waru Village, Pamekasan. This type of qualitative research with a phenomenological approach. Data collection techniques are observation, documentation and interviews with parents, children, and their closest family and teachers. The analytical techniques used are data reduction, data display, and conclusion drawing/verification.
The results showed: 1) the parenting style applied by the first parent was authoritarian parenting by limiting the child and giving punishment when the child made a mistake that was not in accordance with the will of the parents. The second parenting style is permissive, that is, children are given any freedom without parental supervision. 2) authoritarian parenting style applied by parents has a negative impact, namely not confident, aggressive, difficult to socialize, and has selfishness. Permissive parenting applied by parents will have an impact on learning achievement, children may become lazy and spoiled, and do not care about the learning outcomes achieved due to lack of attention from parents.