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Purpose - The purpose of this research was analyzed the effect of Competence on Customer Trust, was analyzed the effect of Stability on Customer Trust; and was analyzed the effect of Integrity on Customer Trust, was analyzed the effect of Customer Orientation on Customer Trust, was analyzed the effect of Transparancy on Customer Trust, was analyzed the effect of Customer Experience on Customer Trust, was analyzed the effect of Customer Trust on Customer Loyalty. Design/methodology/approach - The methodology of this research were collected from one hundred and seventy private banking consumer’s as respondent. Respondents were asked to answer a questionnaire about competence, stability, integrity, customer orientation, transparency, customer experience, customer trust, customer loyalty. Findings – Finding and contribution in this research was examined competence and transparency are the most important determinant of customer trust. Originality/Value - Research limitations/ implication in this research was indicated one hundred and seventy private banking consumer’s as respondent in this research. The data were collected from private banking consumer’s with purposive sampling.

The increasing of woman life quality probably can be showed by GEM (Gender Empowerment Measurament) measured by woman participation in economic or politic aspect. In Yogyakara especially in Sleman city, the number of woman as housewife are 15.6% or 164.309 woman who a half of them have much free times. According that condition Taman Bacaan Masyarakat (TBM) Wijaya Kusuma do empowerment to housewife. The activity is quite interesting because usually TBM only gives literation to childreen (kid) but TBM Wijaya Kusuma has woman empowerment program. The research result shows that the starategy of TBM are: firstly, it devides into two parts base on skill of member. Secondly, training skill for member. Thirdly, separating the network for member who has business. Result of this research after the member join in this program such as the increasing of knowledge and skill, able to produce something and get additional income and the last there is participation in team. Key Word: Empowerment Strategy, Empowerment Result. Abstrak Meningkatnya kualitas hidup kaum perempuan dapat ditujukan dengan GEM (Gender Empowerment Measurament) yang diukur melalui partisipasi kaum perempuan di bidang ekonomi maupun politik. Di Yogyakarta khususnya Kabupaten Sleman jumlah perempuan yang bekerja sebagai ibu rumah tangga yaitu 15,6% atau 164.309 jiwa yang sebagian dari mereka banyak memiliki waktu luang. Berdasarkan permasalahan tersebut muncul Taman Bacaan Masyarakat (TBM) Wijaya Kusuma yang melakukan pemberdayaan perempuan untu ibu rumah tangga. Kegiatan tersebut cukup unik karena biasanya TBM hanya memberikan literasi kepada anak-anak usia sekolah, namun TBM Wijaya Kusuma mempunyai program pemberdayaan perempuan. Hasil penelitian menunjukan bahwa strategi pemberdayaan perempuan yang dilakukan oleh TBM pertama, membaginya menjadi dua kelompok yang ditentukan berdasarkan skill anggota., kedua dengan adanya kegiatan pelatihan keterampilan untuk anggota kelompok, ketiga adanya penyaluran jaringan usaha untuk anggota kelompok yang sudah memiliki usaha. Dilihat dari hasil yang diperoleh perempuan setelah mengikuti program pemberdayaan di TBM adalah bertambahnya wawasan dan keterampilan, mampu produksi dan penghasilan tambahan, dan terahir adanya partisipasi anggota dalam kegiatan kelompok. Kata Kunci : Strategi Pemberdayaan, Hasil Pemberdayaan

The problems confronted by the students are being afraid of making mistake, limited practice, and lack of motivation. In this case, innovation in speaking skill should be innovative. The purpose of this study is to investigate the implementation of scaffolding talk’s types in teaching speaking atan upper secondary school. In addition, this study analyses students’ responses of scaffolding talk strategy in speaking class. The research subject comprised 35 EFL learners. This paper presents the outcome of qualitative research by collecting the data through interview and questionnaire in analysing students’ responses toward scaffolding technique used by the teacher. The results reveal that several kinds of scaffolding types were used in teaching speaking, including instructing, inviting student participation questioning, explaining, and giving conclusion. Furthermore, thestudents were motivated and active in participating speaking class activities.

This study investigates moral values in the Little Fires Everywhere novel by Celeste Ng. The researcher investigates moral values through novels because today the moral crisis also occurs in the world of education. Researchers want to find out whether they can learn moral values through the novel or not. Based on the investigation, researchers used novels to find moral values. The classification of moral values has concerned with motherhood, bravery, love, togetherness, honesty, independent, discipline, wise, and diligent. The researcher concludes that the findings suggest that some moral values can be learned in the novel entitled Little Fires Everywhere by Celeste Ng.