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Credit Agreements are always followed by the provision of guarantees, one of which is land that charged with Dependent Rights or by granting Power of Attorney to Sell from Debtors to Creditors. Referring to the Instruction of the Minister of Home Affairs Number 14/1982 about the Prohibition of the Use of Absolute Power of Attorney, the signing of a Power of Attorney to Sell that made unconditional without terms and condition about discontinuation and contain absolute clauses is expressly prohibited. This opens up risk opportunities in the future, especially for the Debtor. In reality, the signing of a Power of Attorney to Sell in conjunction with credit agreement at the beginning is still widely found. In this study, the author examines the topic using normative juridical methods or legal research. The conclusion of this study shows that the signing of the Absolute Power of Attorney to Sell at the beginning before a bad credit occurs causes the power of attorney being null and void, because it doesn't meet one of the objective requirements of the agreement, especially about a lawful cause as in Article 1320 paragraph (4) of the Civil Code. In terms of the Absolute Power of Attorney to Sell, the Debtor entitled legal protection both in preventive or repressive ways. KEYWORDS : Absolute Power of Attorney to Sell, Legal Consequences, Non-Perfoming Loan (NPL)

Adolescents who live in orphanages need to adjust to the orphanage’s conditions and rules to meet their subjective well-being. The fact shows not all adolescents living in orphanages are able to achieve subjective well-being in their lives. The purpose of this study was to examine the effect of gratitude training in improving the subjective well-being of adolescents in an orphanage. A quasi-experimental design with a nonequivalent control group design was used in this study. Sixteen orphanage boys with moderately subjective well-being level participated in this study. Data were analyzed using non-parametric statistical analysis Mann Whitney u test and Wilcoxon. The results show that gratitude training is effective for improving the subjective well-being of the participants. The most improvement of subjective well-being was experienced by the participants who actively communicate with caregivers and optimistically achieve goals and expectations. The implication of this research is that to achieve subjective well-being in everyday live we should develop grateful behavior.

This study was aimed understand the influence of Achievement Motivation Training in increase self efficacy of medicine students in Islamic University of Indonesia. Research design of this study was one-group multiplepre-test post-test design on quasi experiment with 173 subjects of experimental group in 2 days training. Data collected by self-efficacy scale from Bandura’s theory (1997). Analysis of the data used non parametrical statistic by Wilcoxon Signed-Rank Test. Results showed that Z-score was -10.058 (p < 0.000). Keywords: Achievement Motivation Training, self-efficacy