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All Journal JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen The Explora
Fitri Rahmadani Harahap
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Humanities Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Library & Information Science

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Analisis Faktor-Faktor yang Mempengaruhi Kualitas Pembiyaan Nasabah dalam Program Relaksasi Pandemi Covid-19 di PT Bank Sumut Syariah Kantor Cabang Pembantu H.M. Joni Fitri Rahmadani Harahap; Nurul Jannah
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 1 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi, dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

PT Bank Sumut utilizes the stimulus or relaxation from this regulator to help ease the burden on customers and at the same time mitigate potential credit risk. The extension of the restructuring policy is expected to help ease debtors in carrying out their obligations during the COVID-19 pandemic. This study aims to analyze what factors affect the quality of customer financing in the COVID-19 pandemic relaxation program at PT Bank Sumut Syariah KCP HM. Joni. The implementation of this restructuring also has an impact on the quality of financing productive assets, especially at KCP Syariah HM Joni. The Collectibility Ratio, NPF and Number of Non-Performing Customers have decreased (improved) since May 2020 both Collectibility 2 and Collectability 3,4, and 5. Several factors causing the decline in debtor collectibility of the Covid-19 Pandemic Relaxation Program are caused by several Economic Factors, Debtor Factors and Bank Internal Factors and other External Factors.
The Effect of Applying Drill Method on In Teaching Students’ Writing Ability Fitri Rahmadani Harahap
The Explora Vol. 7 No. 1 (2021): April 2021
Publisher : Pascasarjana Universitas HKBP Nommensen

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (333.015 KB) | DOI: 10.51622/explora.v7i1.517

Abstract

This research was aimed to develops teaching writing by using drill method as method in teaching writing descriptive paragraph. This study was conducted applying Nana Sudjana (1989:86) theory. The research took place at MTs.Swasta IRA Medan. The sample consisted of class VII. The instruments employed in this study experimental research which consist of pre-test and post-test.. The findings of the study were the quality of the developed technique as media viewed from theexperts is very good (88 %). Most students gave positive responses. Most students said that the method was interesting and it could help them to write descriptive texts easily. The results of the test show that the method improved their ability in writing descriptive paragraph (average score: 80, 12).The scoring system was based on five aspects; namely content, organization, vocabulary, language use, mechanics. Therefore, the writer suggests that English teachers develop method as one of the creative way to improve the students’ ability in writing descriptive texts.
Co-Authors Jannah, Nurul