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All Journal JURNAL EMBA : JURNAL RISET EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI KADIKMA
Novi Dwi Lestari
FKIP UNEJ
Economics, Econometrics & Finance Mathematics

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PENGEMBANGAN PERANGKAT PEMBELAJARAN MATEMATIKA BERDASARKAN MODEL PEMBELAJARAN APTITUDE TREATMENT INTERACTION (ATI) PADA SUB POKOK BAHASAN PRISMA DAN LIMAS KELAS VIII SMP Lestari, Novi Dwi; Hobri, H; Trapsilasiwi, Dinawati
KadikmA Vol 5, No 3: Desember 2014
Publisher : KadikmA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (196.503 KB)

Abstract

Abstract. Aptitude Treatment Interaction (ATI) is a concept which has some instructional strategies (treatments) that are optimally effective for students of different aptitude levels.This research is expected to know the process and result of the development of mathematics learning instruments based on Aptitude Treatment Interaction (ATI) in sub subject of Prism and Pyramid. The subject of the research is students of grade VIII A SMP AL-Muttaqin Banjarsengon Jember. Learning instrumentsdevelopment model refers to Thiagarajan, Semmel and Semmel Model (4-D) Model.The result product is lesson plan, student books, work sheets, and evaluation test. Based on validation process and tryout the learning sets can be concluded that the learnig sets had been appropriate with validate, practice, and effective criteria. Key Words:Aptitude Treatment Interaction (ATI), Set 4-D Model
THE USE OF E-MONEY IN STATE OWNED BANKS IN MANADO Lestari, Novi Dwi; Lambey, Linda .; Tumiwa, Johan .
Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol 6, No 4 (2018): JE VOL 6 NO 4 (2018)
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (464.075 KB) | DOI: 10.35794/emba.v6i4.21014

Abstract

Abstract: The advanced payment system has shifted the role of cash as a means of payment to the form of non-cash payment to be more efficient and economical. In Indonesia there are 10 banking sectors that have obtained permission from Bank Indonesia and in Manado E-money product that comes from State-owned banks are the most popular in the society, which are: BRIZZI from BRI, Tapcash from BNI, E-cash and E-money from Mandiri bank. The purpose of this research is to analyze the actual usage and the preferences of electronic money users by State-owned banks in Manado. This study uses descriptive qualitative research to describe the customer’s perception and their preferences by using E-money in State-owned banks in Manado from 22 informants by used semi in- depth interviews. The result of the research shows that E-money users from State-owned banks in Manado have received and used electronic money as a means of payment. However, the volume of transactions in using E-money is insufficient due to the lack of supported payment facilities. The e-money users have the same preference in using e-money because it is easy to use and many promotions are given. The E-money issuer prefer to develop the infrastructure to support E-money payment. Keywords: e-money and state-owned bank  
Co-Authors Dinawati Trapsilasiwi Hobri Linda Lambey, Linda Tumiwa, Johan .