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ORIENTASI BUDAYA DAN RELIGIUSITAS DALAM MANAJEMEN KREDIT SERTA DAMPAKNYA TERHADAP KINERJA SOSIAL BANK PERKREDITAN RAKYAT
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Determination Potential SMEs Based on Monte Carlo Simulation for Rural Mountain Areas
<div> 1. Develop an accurate and systematic method for determining potential MSMEs in mountainous rural areas.</div> <div> 2. Develop a Monte Carlo simulation as an effective and efficient tool for determining potential MSMEs in mountainous rural areas.</div> <div> 3. Increase the availability of relevant information about the potential of MSMEs in mountainous rural areas.</div>
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AN ANALYSIS OF STUDENTS' DIFFICULTIES FACTOR IN LEARNING ENGLISH AT SMPN 2 MAPATTUNGGUL
Febriko Wandra (2319048): An Analysis of Students' Difficulties Factors in Learning English at SMPN 2 Mapattunggul. A Thesis, English Education Study Program, Faculty of Tarbiyah and Teacher Training, State Islamic University of Sjech M. Djamil Djambek Bukittinggi, 2026. Students' difficulties in learning English remain one of the major challenges, particularly in rural schools where educational resources and English exposure are limited. Based on preliminary observations conducted at SMPN 2 Mapattunggul, students experienced difficulties related to lack of exposure to English, limited learning resources and facilities, low learning motivation and family support, and difficulties in the learning process. Therefore, this research aimed to identify the factors contributing to students' difficulties in learning English and to identify the teacher's strategies to solve those difficulties. This research employed a descriptive quantitative design. The participants consisted of 17 students of SMPN 2 Mapattunggul who were selected using total sampling. The research instrument was a questionnaire developed based on the research indicators. The collected data were analyzed using the Guttman Scale by calculating the scores, percentages, and categories of each indicator. The findings revealed that the indicators of Students' Difficulties in Learning English and Strategies Used by Teachers to Solve Difficulties in Learning English in Rural Areas were categorized as Very High. The results indicated that students' difficulties were mainly influenced by lack of exposure to English, limited learning resources and facilities, low learning motivation and family support, and difficulties in the learning process. The findings also showed that the teacher solved these difficulties by utilizing innovative teaching methods, continuously providing motivation and encouragement, improving professional competence, and promoting communication and collaboration with parents. These findings indicate that both the factors influencing students' difficulties and the teacher's strategies were consistent with the theoretical framework used in this research.
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An Analisys of the Challenges and Strategies of English Language Teaching at UPT SMPN Satu Atap Kebun Tinggi, Kecamatan Kampar Kiri Hulu, Kabupaten Kampar, Provinsi Riau
ABSTRACT Mareti 2319086, Program Studi Pendidikan bahasa Inggris, Fakultas Tarbiyah dan Keguruan, Universitas Agama Islam Negeri Sjech M. Djamil Djambek Buktinggi 2025M / 1447 H, An Analisys of the Challenges and Startegies of English Language Teaching at UPT SMPN Satu Atap Kebun Tinggi, Kecamatan Kampar Kiri Hulu, Kabupaten Kampar Kiri Hulu, Provinsi Riau This research background discussed about the challenges faced in the English language teaching process at UPT SMPN Satu Atap Kebun Tinggi, a rural school with limited resources and access. Preliminary observations and interviews revealed that students encounter psychological barriers such as low self-confidence and lack of motivation in learning English. Many students struggle to see the relevance of English in their daily lives and often feel discouraged due to poor performance. In addition, the school suffers from inadequate facilities, such as the absence of projectors, internet access, and teaching materials. Its remote location and poor road conditions also limit student attendance, especially during the rainy season, and make it difficult to recruit qualified teachers. This study aims to analyze the challenges and strategies in English language teaching at the school. A descriptive qualitative method was used, with data collected through semi-structured interviews and observations. The participants included the English teacher, students, administrative staff, and the vice principal. The findings showed several interrelated challenges: limited infrastructure, low student confidence, geographical constraints, and teacher shortages. To address these, the school applied several strategies, such as supporting teacher professional development, adaptively using educational technology, and collaborating with the government and local communities to improve the teaching and learning environment.
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Social Performance of Rural Bank: Impact of Commercialization Factors
Although social performance is an important target in islamic rural bank, this performance is constrained by various factors of commercialization. This study examined the impact of commercialization factors covering profitability, regulation, and competition on the social performance of rural bank. This research was quantitative that based on a survey on fifty units of rural banks in West Sumatera province of Indonesia from 2016 to 2018. The secondary data collected from the publication of financial services authority and other financial documents at rural banks then analyzed with panel data regression. The findings of this research showed that profitability and competition influenced the social performance, meanwhile regulation could not predict the achievement of social performance. This finding reinforced the previous studies which identified the impact of some commercialization indicators towards the achievement of social performance but there was no regulation’s impact on social performance. The impact of regulation which was originally expected to be able to strengthen the social responsibility mission of rural banks evidently did not stimulate the increase of social performance.