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Determination of the beginning of the month of qamariyah in Indonesia uses several methods, namely ru’yah and hisab. In addition to these methods, to determine the entry of the beginning of the month is also marked by the appearance of hilal in a place (mathla') which is the main key in determining the beginning of the month of qamariyah. Indonesia is one of the majority Muslim countries, and in this case Indonesia is still experiencing differences in worship in that month. The difference between the beginning and end of fasting in Islamic countries is only one portrait of the condition of Muslims. Although they are one ummah, but in a concrete way the Muslims are divided. Apart from being influenced by the method, it is also influenced by differences in mathla’ appearance of the moon. Ittuhâdul mathla' method can be used in determining the beginning of the month of qamariyah in Indonesia for the benefit of Muslim societies.

This study analyses the effect of foreign tourist expenditure, government expenditure and foreign investment on wage inequality between skilled, semi-skilled and unskilled labour in the Indonesian tourism sector. The study uses time series data with a period of 22 years. The method used is Error Correction Model (ECM). The results of this study indicate that foreign tourist expenditure and government expenditure increase inequality in the short term, but in the long run can reduce wage inequality. Meanwhile, foreign investment increases inequality both in the short and long term. ================================ Penelitian ini menganalisis pengaruh pengeluaran wisatawan mancanegara, pengeluaran pemerintah dan investasi asing terhadap ketimpangan upah antara tenaga kerja terampil, semi terampil, dan tidak terampil di sektor pariwisata Indonesia. Penelitian menggunakan data time series dengan periode waktu 22 tahun. Metode yang digunakan adalah Error Correction Model (ECM). Hasil penelitian ini menunjukkan bahwa pengeluaran wisatawan dan pemerintah meningkatkan ketimpangan dalam jangka pendek, namun dalam jangka panjang mampu menurunkan ketimpangan upah. Investasi asing meningkatkan ketimpangan, baik dalam jangka pendek maupun jangka panjang.

HUBUNGAN STATUS GIZI DAN KADAR VITAMIN C DENGAN KADAR HEMOGLOBIN PADA IBU HAMIL ANEMIA DI WILAYAH KERJA PUSKESMAS PAUH KOTA PADANG Nurul Badriyah Kadar hemoglobin (Hb) merupakan salah satu indikator spesifik untuk menetapkan anemia pada ibu hamil. Salah satu faktor yang memicu terjadinya anemia dalam kehamilan yaitu status gizi dan kadar vitamin C. Tujuan penelitian ini untuk mengetahui hubungan status gizi dan kadar vitamin C dengan kadar Hb pada ibu hamil anemia di Wilayah Kerja Puskesmas Pauh Kota Padang. Penelitian ini merupakan penelitian observasional dengan desain cross sectional terhadap 57 ibu hamil Anemia trimester II dan III dengan teknik consecutive sampling. Penelitian dilakukan di Puskesmas Pauh dan Laboratorium Biomedik Fakultas Kedokteran Unand pada bulan Maret sampai Mei 2020. Status gizi diperiksa dengan mengukur lingkar lengan atas (LILA), kadar vitamin C diperiksa dengan metode ELISA dan kadar Hb dengan hematology analyzer. Uji normalitas dengan uji Kolerasi Pearson dan uji Korelasi Spearman. Hasil penelitian ini menunjukkan rerata status gizi yaitu 23,68±1,810 cm, kadar vitamin C yaitu 21,13±12,502 ng/mL, dan kadar Hb yaitu 9,85±0,865 gr/dL. Terdapat hubungan yang signifikan antara status gizi dengan kadar Hb pada ibu hamil anemia dengan nilai p=0,012 dan (r = 0,330) dan tidak ada hubungan kadar vitamin C dengan kadar Hb pada ibu hamil anemia dengan nilai p=0,177 dan (r = -0,168). Kesimpulan penelitian ini adalah terdapat hubungan antara status gizi dengan kadar Hb namun tidak terdapat hubungan kadar vitamin C dengan kadar Hb pada ibu hamil anemia di Wilayah Kerja Puskesmas Pauh Kota Padang. Kata Kunci : Status Gizi, Kadar Vitamin C, Kadar Hemoglobin

Perikanan budidaya saat ini menjadi tumpuan penting dalam menompang perekonoian masyarakat Indonesia, terutama bagi masyarakat yang memperoleh pendapatan dari budi daya ikan. Hal tersebut yang dialami oleh sebagian masyarakat di kabupaten lamongan khususnya di Desa Guci. Akan tetapi hasil budi daya ikan yang yang diperolah masih bersifat fluktuatif, hal ini disebabkan banyak faktor terutama pengetahuan warga tentang ilmu budi daya ikan yang masih dirasa kurang. Melihat dari luasnya lahan pertanian yang ada di Desa Guci serta banyaknya penduduk Desa Guci yang berprofesi sebagai petani, seharusnya potensi alam yang ada dalam hal ini lahan pertanian bisa diolah dengan semaksimal mungkin demi tercapainya kesejahteraan kelompok tani di Desa Guci. Akan tetapi selama ini masih kurangnya pengetahuan masyarakat Desa Guci terutama yang berprofesi sebagai petani memahami bagaimana cara pemanfaatan lahan yang ada. Karena lahan yang ada hampir seluruhnya hanya ditanami padi pada msim kemarau dan dibuat tambak ketika musim hujan telah tiba. ikan yang dibudidayakan di tambaknya pun terbatas jenisnya yakni udang, ikan bandeng, ikan mujair dan kadang kala ikan lele. Tahap sosialisasi dilaksanakan di tempat mitra yaitu Kelompok Tani sebagai penghasil beras organik di Desa Guci Kabupaten Lamongan. Sosialisasi tersebut akan dilakukan secara intensif kepada beliau mulai dari instalasi alat, pengoperasian alat dan pemeliharaan alat. Selain itu strategi manajemen pemasaran juga disosialisasikan kepada Kelompok Tani mengingat beras organik akan dipasarkan secara meluas. Setelah kegiatan tersebut dilaksanakan, perlu diadakan monitoring untuk memantau kemajuan dari kegiatan yang telah dilakukan baik dari segi teknologi pengemasan maupun pemasaran.

Fundamental change in the business environment is characterized by the volatility of business environment. Business condition is increasingly complex and unpredictable for organizations which want to achieve competitive advantage. Social capital is the attitude shown through more convincing communication and knowledge. Good social capital ownership is the form of human resources’ competence in empowering and optimizing the business management for the survival of company. The objectives of this study are to identify and explain the significant effect of social capital of human resources in SMEs on competitive advantages. Research method used in this research is quantitative (positivistic) with analysis tool of exel program aid and GSCA software. Research respondents are 74 (seventy four) entrepreneurs of small and medium enterprises which have been clustered as the largest SMEs in each regency by Department of Industry and Trade in East Java in 2015. From the research results, it can be concluded that: (1) Social interaction significantly influences competitive advantage, with loading rate of 0.705. (2) Social action has significant effect on competitive advantage, with loading rate of 0.802 (3) Social Capital simultaneously has significant effect on competitive advantage and is considered to be able to exploit and neutralize threats from outside the company. (4) Social action is considered the most dominant effect on competitive advantages with results of path analysis of 0.93. Therefore, it can be suggested that: (1) Social interaction should be developed because it is able to measure consumer initiatives to be more productive socially. (2) Human resource development for entrepreneurs in order to improve social behavior can be done by training. (3) Government should promote training to improve the behavior of social capital.

As children are the future of mankind, bringing them up refers to the preparation of civilization. The most important environment to ensure their proper growth is a family. Getting a proper and well-structured nurturing is one of their rights which should be ensured by the family. The unwillingness to refer to the Quran caused many families unaware that the Quran provides best method of nurturing and upbringing children. One of the samples is the role of Imran’s Family in nurturing their child named Maryam as she possesses a decent personality and become an honorable woman. This paper is trying to analyze an upbringing concept explained in Surah Ali Imran (33-37), that may be applied today. This study also presents that the Quran has a golden nurturing concept in upbringing children, and the children who have received their rights well fulfilled will become an excellent person, individually and spiritually. Keywords: Quranic Parenting, Islamic Parenting, Story of Maryam, Surah Ali Imran 33-37, Nurturing and Upbringing.

Pelatihan dan pendampingan ini bertujuan untuk meningkatkan pengetahuan perempuan/Ibu-ibu anggota pengajian dalam berwirausaha, meningkatkan ketrampilan perempuan khususnya di dunia kuliner dan packaging produk siap masak dan saji dan membentuk bisnis produk makanan siap masak dan saji skala rumah tangga kecil. Dengan metode kegiatan yang dirancang dalam bentuk pemahaman, pelatihan dan dilanjutkan dengan pendampingan, dan kegiatan ini akan berdampak pada upaya menumbuhkan jiwa wirausaha ibu-ibu rumah tangga, utamanya yang bersumber ide-ide kreatif. Pelatihan ini dilaksanakan pada kelompok pengajian Majlis Taufiqur Rohman, Oro-Oro Dowo yang secara struktural berada di bawah ketakmiran Musholla Taufiqur Rohman dan lingkup kelompok Nahdhatul Ulama Ranting Oro-Oro Dowo Kota Malang, sebagai wilayah yang dituju pada kegiatan pengabdian kepada masyarakat ini. Pendampingan merupakan langkah akhir dari pengabdian masyarakat ini. Tujuan dari adanya pendampingan kegiatan adalah untuk memonitor anggota kelompok pengajian ibu–ibu dalam melaksanakan kegiatan ini agar tetap berlangsung dan apabila terdapat kendala selama kegiatan maka dapat didiskusikan lebih lanjut oleh tim pengabdi untuk menemukan solusi dan memperbaiki progam yang telah berjalan ini. Kata kunci: Wirausaha, Manajemen Waktu, Pemberdayaan Perempuan. Abstract This training and mentoring aim to increase the knowledge of women and/or female members of recitation group in entrepreneurship, improving their skills especially in matters of culinary and cooking ready to eat food product and establishing a smallscale homemade food business. With methods of activities that was designed in the form of comprehension, training, and also mentoring and this activity will have an impact on the effort to foster entrepreneurship spirit of housewives, primarily those that came from creative ideas.This training will be carried out on recitation group of MajlisTaufiqur Rohman, Oro Oro Dowo which is structurally under the administrator of mushola Taufiqur Rohman and within the scope of Nadhatul Ulama branch group of Oro-Oro Dowo of Malang City, as the intended region for this community service, Mentoring is the last step of this community service. The purpose of having a mentoring session is to observe the women member of the recitation group in undertaking this activity without any problems and if there are indeed problems during the duration of the activity, they will be discussed further by the team to find a suitable solution and ensuring the success of the program. Keywords: Entrepreneur, Time Management, Women Empowerment.

The development of the business world today more rapidly resulting in tight competition. This is demanding business players in order to leap ahead of the competition with how to improve the quality of human resources and expected employee can improve performance. To be employee performance and the company is also required to pay attention to the factors that can affect the performance of the employees. This research is a type of quantitative research, data obtained with the spread of the questionnaire to 45 respondents. The population in this research is all employees on CV. Putri Sion which numbered 45 people. The Data obtained and then in the analysis using the validity test, test reliability test, classical assumptions, determination coefficient test, t test, F test and multiple linear regression analysis. This research result shows that partially, job satisfaction and leadership style significantly affect to employee performance meanwhile the most dominant affecting performance is employee jobs satisfaction.

Background: The prevalence of children’s blindness in developing countries is still high especially in Asian countries. This children’s blindness influences their motoric, social and emotional developments and their chances to get education. One of the causes is steroid-induced glaucoma. The aim of the study was to identify the characteristics of childhood steroid-induced glaucoma in National Eye Center, Cicendo Eye Hospital, Bandung, Indonesia. Methods : A descriptive study was conducted to 22 medical records of childhood steroid-induced glaucoma patients in National Eye Center, Cicendo Eye Hospital Bandung from 2007−2011. The inclusion criterias were medical records contained complete demographic (age, sex, address and socioeconomic status), clinical (visual acuity, intraocular pressure, cup-disc ratio, underlying eye disease, working diagnosis, treatment and patient’s compliance to follow up) and risk factor (type and route of administration of steroid and duration of steroid usage). Results : Majority of patients were boys (73%), aged 4−7 years old (41%), from Bandung (55%), with moderate socioeconomic condition (73%). Most of the patients experienced blindness (64%), intraocular pressure around 20−30 mmHg (33%), cup-disc ratio above 0.4 (77%). The underlying eye disease was conjunctivitis vernalis (95%). They were treated by medicamentosa or trabeculectomy. The most common used steroid contained dexamethasone (100%) for more than 1 year of usage (64%). Patients’s compliance to follow up was mostly good (59%). Conclusions: Most of the patients with steroid-induced glaucoma is still very young and the use of topical dexamethasone to treat conjunctivitis vernalis for a long time leads to steroid-induced glaucoma. DOI : 10.15850/amj.v2n3.558

Penelitian ini bertujuan untuk mengetahui pengaruh siklus keuangan terhadap stabilitas sistemkeuangan di Indonesia. Penelitian ini menggunakan metode analisis data Error CorrectionModel (ECM). Variabel yang digunakan dalam penelitian ini adalah Indeks Stabilitas SistemKeuangan (ISSK), Indeks Harga Saham Gabungan (IHSG), Indeks Harga Properti Residual(IHPR), nilai tukar atau kurs dan kredit. Hasil penelitian menunjukkan bahwa Indeks HargaSaham Gabungan (IHSG), Indeks Harga Properti Residual (IHPR) berpengaruh negatif terhadapIndeks Stabilitas Sistem Keuangan (ISSK) baik dalam jangka pendek maupun jangka panjang.Kurs berpengaruh terhadap Indeks Stabilitas Sistem Keuangan (ISSK) dalam jangka pendek,sedangkan untuk jangka panjang tidak berpengaruh. Pertumbuhan kredit tidak berpengaruhterhadap Indeks Stabilitas Sistem Keuangan (ISSK) dalam jangka pendek maupun jangkapanjang.Kata Kunci: Siklus Keuangan, Stabilitas Sistem Keuangan, Error Correction Model

The objectives of this research were to analyze Community-Based Managementapplication, influence and factors to management of coastal resources especiallyincreasing fisherman income on 5 districts in sub-province Tuban. The results showedthere are extensive community participation, capacity building and village coastalmanagement plans. These plans are significant in many ways. Planning is alsounderway to scale-up from pilot sites to a provincial program that provides technicaland financial support services to village government and communities coast-wide. Keywords: Community-Based Management, Coastal Resources, Coastal Village,Fisherman Income

Pre-marital pregnancy, fornication, and free mixing between different genders are among the problems faced by Muslim youth nowadays. This paper aims to discuss the personality preparation guidelines in facing sexual activities based on the Story of Prophet Yusuf in al-Qur’an al-Karim as well as selected prophet’s narration in Hadith. The descriptive analysis shows that Qur’an and selected Hadith prepare four dimensions of guidelines which are: spiritual strength, mental strength, emotional strength as well as physical strength. The findings reveal that in terms of spirituality aspect, Muslim youth should be fully conscious of the existence of Allah and think of the bounty divine given by Allah. In terms of mental strength, Muslim youth must have positive thinking and consider the long term effects in this world and next before engaging themselves in the negative activities. Pertaining to emotional strength, Muslim youth should control their anger, and pertaining to physical strength, they need to keep their body healthy. Keywords: Hadith, Muslim youth, personality, prophet Yusuf, sexual issues. Cite as: Ahmad, S.H., Ali, N.B., & Ramli, A. (2017). Preparation of Muslim youth in facing sexual issues in the light of al-Qur’an & selected hadith. Journal of Nusantara Studies, 2 (1), 122-133. http://dx.doi.org/10.24200/jonus.vol2iss1pp122-133

The problem of incest, including its incidence among Muslim societies, is one of the major legal cases faced by lawyers in Malaysia. Incest cases are often hidden because they are considered a disgrace of the family and society that cannot be forgiven. As a result, justice for the victims is difficult to enforce, and the case continues to occur because the law is considered not able to ensnare the perpetrators (deterrence effect). One researcher found that among the causes of incest is the ignorance of Islamic law in everyday life, especially in applying the values of "isti'dzān" (asking for permission). The concept of "isti'dzān can keep the soul and human behavior from falling into social problems. This is because the private territory (space and time) of family members, who live in the same house, including their modesty in dressed in the house, has been regulated by Shari`a in such a way. This paper is an analysis of the legal philosophy of the concept of "isti'dzān" in relation to the incidence of sexual intercourse, and the possibility of its application among Malaysian Muslim society. This paper concludes that applying the concept of asking permission to enter the private territory of family members living in the home is important to maintain the honor of each family member. This is very likely applied in Malaysian Muslim society through religious education on "isti'dzan" in schools or places of worship. With "isti'dzan" and keeping the modesty at home, it is expected that incidents of sexual intercourse can be prevented. Keywords: Islamic permission value, Islamic educational aspect,incest problem

Tanaman enceng gondok (Elchornia Ccrassipes) merupakan tumbuhan air yang tumbuh dirawa – rawa., danau dan waduk. Pertumbuhannya sangat cepat 3% per hari mampu menutupi seluruh permukaan sungai, setiap kepala putik dapat menghasilkan sekitar 500 bakal biji atau 5000 biji setiap tangkai bunga, sehingga enceng gondok dapat berkembang biak dengan cepat Tanaman enceng gondok berdampak pada tersumbatnya aliran sungai menuju hulu, sehingga banjir lebih cepat menggenangi jalan dan persawahan warga. Berdasarkan data BPS Kabupaten Lamongan akibat dari bencana banjir kerugian yang diderita sebesar 1, 386 milyard persatu kali bencana. Pelatihan kontinum relationship dilaksanakan dengan mengumpulkan kelompok karang taruna dan dilakukan pndampingan secara komprehensip sampai mampu membuat produk sendiri. Perwujudan pelatihan kontinum relationship dibutuhkan sebagai upaya perbaikan dan pemberdayaan siklus bisnis yang dirancang harus berlanjut (Sustainable), hasil dari pendampingan ini adalah Pemberdayaan sistem kontinum relationship menguntungkan pihak mitra karena sangat menguntungkan mitra sebagai usaha pemula. Aspek marketing yang ditakutkan oleh pengusaha pemula dapat diatasi ketika mitra kedua sebagai pemateri sekaligus sebagai market dengan gandeng renteng sesama pengusaha. Aspek manajemen selanjutnya dilakukan guna menunjang keberlanjutan program kearah kesuksesan usaha yang sedang dirintis. Keywords : Pemanfaatan, Limbah enceng gondok, Pelatihan kontinum relationship

Companies need to have tactics to win business competition. One way that can be used by the company is to recognize and understand the customer. Companies that perform customer relationship management will be able to sustain its business. The existence of customers is the driving force of business enterprises in various industries. In business services, the customer can be as an actor and a very crucial business objects. This study aimed to clarify the concept of customer relationship management and serves some research management customer relations in Indonesia. The study also describes the application of customer relationship management the company has done in Indonesia. Keywords : Customer Relationship Management, Customer, Relationship Judul Asli : Peran Manajemen Hubungan Pelanggan dalam Bisnis Indonesia

Indonesia merupakan salah satu negara yang memiliki banyak pantai mengingat status Indonesia sebagai negara kepulauan. Hal ini tentu saja mengakibatkan Indonesia juga terkena masalah illegal fishing. Menurut Jurnal The use of trade measures against illicit fishing: Economic and legal consideration menjelaskan penangkapan ikan merupakan ancaman bagi kelautan lingkungan dan masyarakat. Dengan merusak sistem manajemen yang efektif, IUU fishing mempengaruhi kinerja ekonomi, kesejahteraan sosial dan keputusan kepatuhan, (Gallic, 2007). Penelitian ini mengunakan metodologi kualitatif dengan proposive sampling. dengan lokasi penelitian di perairan seluruh Indonesia. sumber data primer dan sekunder. Data yang diperoleh dari sumber internet. Keywords : Illegal Fishing, Komoditi Tuna dan Tongkol, ZEE

penelitian (Descriptive Research) adalah penelitian yang menggambarkan realita obyek penelitian dengan apa adanya dengan menjabarkan secara mendetail apa yang diamati dilapangan tanpa mengadakan manipulasi atau realitas yang dibiarkan apaa danya, dalam penelitian ini menghimpun konsep dan menghimpun fakta realitas yang ada.dengan rumusan masalah Bagaimana cara melaksanakan anggaran peroduksi sebagai dasar penghitungan biaya pemakaian bahan baku. Bagaimana perhitungan biaya pemakaian bahan baku sedemikian rupa sehingga biaya-biaya yang berhubungan dengan bahan baku dapat ditekan seminimal mungkin Keywords : biaya standar dan pengendalian biaya bahan baku

Air bersih di perlukan untuk meningkatkan kesejahteraan masyarakat. Oleh karena itu, pemakaian air bersih dalam suatu negara sering dianggap salah satu tolak ukur taraf kemampuan rakyatnya. Tujuan dalam penelitian yaitu: (1) Untuk mengetahui faktor harga air,pendapatan perkapita,jumlah penduduk mempunyai pengaruh secara parsial terhadap tingkat konsumsi air PDAM (2) Untuk mengetahui faktor harga air,pendapatan perkapita,jumlah penduduk mempunyai pengaruh secara simultan terhadap tingkat konsumsi air PDAM (3) Untuk mengetahui dan menganalisis di antara harga air, pendapatan perkapita, dan jumlah penduduk yang mempunyai pengaruh paling dominan terhadap tingkat konsumsi air PDAM. Hasil regresi linier berganda diperoleh persamaan (Y = 1,043 + 0,287X1 + 0,271 X2 + 0,347 X3). Perhitungan korelasi berganda sebesar 0,836. Hasil determinasi menunjukkan variabel bebas terhadap variabel terikatnya memberikan kontribusi sebesar 69,9 %. hasil uji t diperoleh nilai t hitung X1 (2,485), X2 (2,131), X3 (2,664) > t tabel (1,985). Hasil uji F Fhitung (71,634) > Ftabel (2,699), Dari hasil analisi disimpulkan bahwa variabel bebas (harga, pendapatan perkapita dan jumlah penduduk) mempunyai pengaruh terhadap sektor rumah tangga dan non sektor rumah tangga. Maka perusahaan diharapkan selalu mensurvei jumlah penduduk di kota Lamongan. Keywords : Harga, Pendapatan Perkapita, Jumlah Penduduk dan Tingkat Konsumsi

Untuk menghadapi persaingan bisnis di era-globalisasi yang semakin pesat, sebuah perusahaan harus memiliki sumber daya manusia/karyawan sebagai tenaga kerja yang memiliki kualitas tinggi. Mengingat karyawan merupakan aset penting sebuah perusahaan, oleh karena itu banyak hal yang perlu diperhatikan dalam peningkatan kinerjanya. Kinerja yang baik merupakan salah satu sasaran perusahaan dalam mencapai produktifitas kerja yang tinggi. Tercapainya kinerja perusahaan yang baik tidak lepas dari sumber daya manusia yang baik juga. Oleh karena itu untuk dapat mewujudkannya maka karyawan harus memiliki keahlian dan keterampilan sesuai dengan perkerjaanya. Masalah yang hendak dicari jawabannya dalam penelitian ini adalah pengaruh sistem rekrutmen terhadap kinerja karyawan outsourcing PT. Alumad Artha Prima (AAP). Sejalan dengan permasalah tersebut, diajukan hipotesis diduga sistem rekrutmen berpengaruh teradap kinerja karyawan outsourcing pada PT. Alumad Artha Prima (AAP). Hasil analisis menunjukkan bahwa, hasil uji validitas lebih dari rtabel 0,349 dan hasi uji reliabilitas (0,870) menunjukkan hasil valid dan reliabel. Berdasarkan uji hipotesis terhadap sistem rekrutmen terhadap kinerja karyawan outsourcing PT. Alumada Artha Prima (AAP) , dari perhitungan koefisien korelasi hasilnya (X) = 0,656, sedangkan uji regresi sederhana Y=9,66 + 0,26X dari uji t sebesar thitung X 4,596 > ttabel 2,048, maka dapat diartikan bahwa adanya sistem rekrutmen berpengaruh secara signifikan terhadap kinerja karyawan outsourcing terbukti. Dari bukti tersebut dapat disimpulkan bahwa sistem rekrutmen memiliki pengaruh yang signifikan terhadap kinerja karyawan outsourcing. Saran – Saran : hendaknya untuk senantiasa melengkapi fasilitas yang terdapat di PT. Alumada Artha Prima (AAP) dan meningkatkan pelatihan-pelatihan untuk menambah nilai jual PT. Alumada Artha Prima (AAP). Keywords: Sistem Rekrutmen dan Kinerja Karyawan

Bank is a business entity which accummulate funds from society in a form of saving and distributing it to society in a form of credit or other forms available in order to enhance the standard of living of society in general. Bank play role as intermediary institution which bridging two party with different self interest, whether in accumulating or investing, or even in providing other banking services including clearing. SMEs is one of business entity characterized as self liquidating since all of their funding acquired from financial institution is used to finance their business activity. It is different with corporate, where usually funding that is acquired from bank is mostly used for investment or complimenting the fixed capital of company. SMEs is not least important as bigger scale business entity, including in credit distribution since SMEs is proven to have significant and important role in economic development.