Suchergebnisse

In the credit required a guarantee for the debt repayment and the Bank is one of the distributor of funds in the form of credit. Guarantee of debt repayment is usually in the form of certificate of land right. One is the land right is certificate of buildings right that have validity period. Expiration of buildings rights that were pledged as collateral for loans with mortgage would have the legal consequence of the existence of a security interest. In Article 18, paragraph 1, letter d Act Mortgage one of which led to the mortgage abolition is the abolishment of land rights. In this research the authors uses the normative research approach based on legislation and conceptual approaches. Data collection techniques with library materials and interviews and also the techniques conclusion with the deductive method. Results of research on the problems that the expiry of building rights as the object of credit guarantees stipulated in Law Number 4 of 1996 on the rights of dependents, the Indonesian Government Regulation Number 40 of 1996 on the right to cultivate (Mortgage), building rights and rights of use, the Regulation of the Minister of Agrarian / Head of the National Land Agency of the Republic of Indonesia Number 5 of 1998 on changes to building rights or the right to use the land burdened residential security rights into property rights and the legal arrangements for the termination of the buildings right is still the object of credit guarantees in the form of Mortgage while the Credit Agreement is not over yet set in the legislation, background Bank provides loans with building rights as the object of loan collateral that are from yuridical and business considerations, the law efforts that can be done of creditors as the holder of a security interest if the right to build an end that is making the promises in the Deed Granting Mortgage, requesting additional collateral, extension of rights, the right change and renewal of building rights. Keywords : Guarantee, Building Rights, Mortgage

Evaluation toward the Implementation of Curriculum 2013 : A Qualitative Study on Elementary School Muhammadiyah 5 Jakarta. Thesis. Research and Educational Evaluation Department, Graduate School of Muhammadiyah University of Prof. DR. HAMKA. January 2015. This Research aims to reveal the evaluation toward the Implementation of Curriculum 2013 by using CIPP (Context, Input, Process, Product) model : A Qualitative Study on Elementary School Muhammadiyah 5 Jakarta. The method used is Evaluation Research Method, that is a method which uses numbers, written statement, oral information and various facts to obtain data which relates to the problem of evaluation toward the implementation of Curriculum 2013. Data collection used documentation, interviews, and observation. Interviews were conducted at five Muhammadiyah Elementary School Principals, Curriculum Staffs and Classroom teachers Research result concludes that in terms of context, the implementation of Curriculum 2013 in Elementary School Muhammadiyah 5 is clear in its vision, mission and objective. But in term of input, the implementation of Curriculum 2013 is not controlled well yet. It is seen from the input of teachers and employees who are not in accordance with their profession. Some teachers are classroom teachers who did not graduate from PGSD but from one field of study. The process implementation of Curriculum 2013 is running well, it is in accordance with the procedures established by the government curriculum. There is no products in the implementation of Curriculum 2013 in Elementary School Muhammadiyah 5 yet, both in academic and non-academic terms. It is very expected for Institutions to pay more attention to the process of recruitment of teachers, therefore the skill of prospective teachers will be in accordance with their profession to gain an optimal learning process. Besides, the institutions is also expected to provide briefing and training to all teachers tobe able to master the implementation of curriculum in 2013 correctly and in accordance with the provisions that have been set by the government.

The research objectives of the PAI UHAMKA tracer study are to analyze the personal data of graduates, the views of graduates regarding the education services provided, the level of user satisfaction related to the professional competence of graduates, and the implementation of Al Islam and Muhammadiyah values for graduates in the workplace and society. This research is a quantitative descriptive research through a survey approach which includes four stages: 1) developing concepts and instruments; 2) data collection 3) data analysis and 4) reporting. The research samples were graduates of PAI UHAMKA in 2016. For the data analysis stage, a mix method was used with the Sequential Explanatory model. The results showed 79% of PAI UHAMKA graduates in 2016 already had jobs with the majority working in companies / agencies / government institutions and companies / agencies / private institutions. The level of competence mastered by PAI UHAMKA graduates in 2016 is that knowledge in the field or discipline occupies the highest result. AIK coaching has an impact on the worship obedience of graduates, namely 48% answered fairly and 52% answered high.

This study aims to prove the influence of accountability and transparency in the financial management of the performance of the local government area of the province of Bengkulu. This study used a questionnaire to collect the data, the sampling method used in this research is purposive sampling with sample criteria, namely Echelon III and Echelon IV, section Accounting or Section Bookkeeping on each Unit (SKPD) in the government of Bengkulu province. The results showed that the accountability of financial management and significant positive effect on the performance of the local government of Bengkulu province. This means that the higher accountability in financial management will be able to improve the performance of the local government of Bengkulu province. Similarly, the transparency of financial management, positive and significant effect on the performance of local government. In this case, the higher level of transparency in the financial management of local government performance will also be better. By increasing accountability and transparency in the financial management of all existing units expected to improve the performance of local governments in order to promote the establishment of good governance.

This research aims is to determine whether there are differences between financial performance of local governments in Indonesia at the level of financial independence, financial effectiveness, financial efficiency, and financial activities before and after the global economic crisis 2008. To analyze the financial performance of local governments, the research conducts financial ratio analysis of APBD. The samples used in this research is local governments in the province of DKI Jakarta, East Kalimantan, Riau, East Java, North Sumatra, Riau Islands, South Sumatra, Central Java, South Kalimantan and Lampung, which are the top ten provinces which have the largest foreign trade value according to the Badan Perencanaan dan Pembangunan Nasional (Bappenas) in 2010 and is expected to hit the global economic crisis 2008, and that was published the data of APBD from 2003 to 2012. The analysis instrument used to determine differences between financial performance before and after the global economic crisis of 2008 was the Paired Sample T Test. The results of research show that there were no differences between the financial performance of the local governments in Indonesia at the level of financial independence and financial effectiveness before and after the global economic crisis 2008. In other hand, there are differences between the financial performance of the local governments in Indonesia at the level of financial efficiency and financial activity before and after the global economic crisis 2008.

Carpal Tunnel Syndrome (CTS) is a condition that affects the hands and fingers. Carpal Tunnel Syndrome (CTS) can cause symptoms in the form of tingling, pain, burning, or numbness in the fingers and hands. Complaints of Carpal Tunnel Syndrome (CTS) cause losses due to the work done. Complaints of Carpal Tunnel Syndrome (CTS) can be caused by several factors including work attitude, length of work and work period. This study aims to identify the factors associated with complaints of Carpal Tunnel Syndrome (CTS) in public transportation drivers in Lubuk Pakam. This study uses an analytical survey with a cross sectional approach. The sample in this study was public transportation drivers in Lubuk Pakam as many as 32 respondents with purposive sampling method using the chi square test with a 95% confidence level = (0.05). The results showed that there was a relationship between work attitudes (P = 0.042< (0.05), length of work (P = 0.036 < (0.05), work period (P = 0.034< (0.05)) with complaints of Carpal Tunnel Syndrome (CTS).The advice that can be given is that angkot drivers in Lubuk Pakam take regular breaks of 15-20 minutes by stretching the wrist to reduce the risk of Carpal Tunnel Syndrome (CTS) complaints.