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This study aimed at finding out the effect of Treffinger creative learning model with RME principles on creative thinking skills by controlling numerical ability. This study was conducted to the fifth grade students of elementary schools in Manggarai regency using post-test only control group design of experiment. This study involved 101 fifth grade students as sample who were selected by using random sampling technique. The instruments were numeric ability test and creative thinking skill test. Data were analyzed by using ANCOVA aided by SPSS 23.0 program. The results showed that (1) the creative thinking skill of the students who learned mathematics Treffinger creative learning model with RME principles was higher than those who learned mathematics through conventional model, (2) the creative thinking skill of the students who learned through Treffinger creative learning model with RME principles was higher than those who learned through conventional learning model, after controlling numeric ability, (3) numeric ability gives a 33.2% contribution to the students' creative thinking skill. These findings show that Treffinger creative learning model with RME principles has a significant effect on the students' creative thinking skill. Mathematics teachers are suggested to employ this model in developing students' creative thinking skill.

This research was aimed to analyze the effect of interaction between guided inquiry learning and cognitive style on students' science learning achievement. This study was a quasi-experiment with a 2×2 factorial design. The study was done with the fifth grade students in Singaraja City. The sample was selected using multi stage random sampling and 4 elementary schools were selected for the experimental group (n=132) and another 4 for the control group (n = 107). The experimental group used guided inquiry learning and the control group used conventional teaching model. The study used science learning achievement test and MFFT [Matching Familiar Figures Test] cognitive style test as the instruments for collecting the data. The result of hypothesis testing showed that: (1) there is a significant difference in science learning achievement between those who learned with guided inquiry learning model and those who learned with conventional teaching; and (2) there is a significant effect of interaction between guided inquiry learning model and cognitive style on students' science learning achievement. Guided inquiry learning is more optimal in increasing students' learning achievement if it is implemented to students with reflective cognitive style than to those with impulsive cognitive style.

Self-assessment as one of authentic assessments has been currently implemented in EFL teaching pedagogy as to give more opportunity to the students to reflect on their own learning and progress. This study aims at investigating the effect of self-assessment on students' independence and writing competence. In the present study, two groups of junior secondary school students in Indonesia were investigated in their learning of English due to the use of self-assessment towards their independence and writing competence of three genre texts. The research used a post-test only control group design in which one group was given an experimental treatment using self-assessment, while the other received a conventional assessment utilizing teacher's assessment. There were two types of instruments used, questionnaire of students' independence and writing competence test which underwent validity and reliability testing beforehand. The data were analyzed using a one-way ANOVA and MANOVA. Before the inferential statistics analyses were conducted, the data were pre-requisitely tested in terms of normality, homogeneity, and multi co-linearity. The results prove that self-assessment has an effect on the students' independence and writing competence. Thus, teachers are recommended to promote the use of self-assessment to improve the students' independence and writing competence.

A green economy has an impact on improving welfare, but it takes continuous efforts to achieve it from various fields. Contribution in the context of banking on a small scale is one of the initiatives that can show participation in achieving a green economy. This study aims to explore people's behavior in financial transactions and analyze the practice of rural credit banks in encouraging the achievement of a green economy through the National Financial Inclusive Strategy (NFIS) program despite the COVID-19 pandemic. This study used quantitative approaches; observations were conducted at a certain time by collecting data taken directly as a complement to this study, as well as taking questionnaire data involving 363 samples and analyzing them using the structural equation model (SEM). The result is that green economic support is found in using paper for fewer savings transactions compared to branchless banking with conventional savings transactions. The high number of residents exposed to COVID-19 does not affect branchless banking. In addition, the use of branchless banking can show the penetration of financial literacy in the community. The results of the path analysis explain that perceived ease of use (7.468) and perceived usefulness (2.152) have an influence on attitude; intention is greatly influenced by attitude (15.357); and actual usage is influenced by intention (11.682). This research has specific implications for the Magelang City Rural Bank (MCRB), which needs to conduct market research to find out the potential of branchless banking that is specifically needed by the people of Magelang. Branchless banking innovation needs to be strengthened by presenting easy-to-understand and easy-to-use applications to improve the attitude of the Magelang people in adopting branchless banking applications and using them sustainably. [ABSTRACT FROM AUTHOR]

The Village Fund Program is a central government program to improve the welfare of rural communities. Each village received a relatively large amount of village funds. However, after their Covid-19, the village funds were diverted to handling the Covid-19 problem. Village funds distributed by the government in general aim to improve the welfare of rural communities due to the unequal welfare conditions between people in rural areas and urban areas. Thus, the village fund program is also expected to eradicate the poor in rural areas. Besides, it is following sustainable development goals (Sustainable Development Goals)./SDGs). The objectives of this research are 1) To analyze the significance of differences in the use of village funds before and after the outbreak of the Covid-19 pandemic in Klungkung Regency; 2) to analyze the effect of using village funds in 2020 after the Covid-19 pandemic on the welfare level of villagers in Klungkung Regency. This research was conducted in Klungkung Regency, especially Klungkung mainland, with the classification of respondents of 3 village officials, 3 village community members, and 1 village community leader. Hence, the respondents in each village are 7 people. The number of villages on Klungkung mainland is 37 villages. Thus, the total number of respondents was 259 people throughout Klungkung Regency. The number of respondents was determined by quota sampling. The sampling technique used was accidental sampling combined with snowball sampling, which was included in the non-probability sampling. For respondents, the village apparatus used probability sampling in each village. In addition, purposive sampling was used for the required informants. Data collection methods were observation, interviews, and in-depth interviews, using descriptive statistical data analysis techniques, regression analysis, and average difference test. The results of the analysis showed that: 1) There was a significant difference in the use of village funds in 2019 and 2020 during the pandemic. In 2020, the use of village funds prioritized handling the Covid-19 pandemic. While the use of village funds in 2019 was used for village administration, village development, community development, and community empowerment; 2) There was a significant positive effect on the use of village funds in 2020 during the Covid-19 pandemic on the welfare level of the population in Klungkung Regency. [ABSTRACT FROM AUTHOR]

BACKGROUND AND OBJECTIVES: Small and medium enterprises (SMEs) still exhibit dominant contribution to the economy. SMEs manage to absorb greater labor force and to survive the economic crisis. Various efforts to empower SMEs have been less successful. Financing constraint, low quality of human resources, and limited marketing competence have been the typical problems of SMEs that harm SMEs' performance. Despite these problems, SMEs still manage to survive. METHODS: Using the sampling method of stratified random sampling with area strata, this study generates 203 small business units as the sample. The research was conducted by using accidental sampling. The quantitative and qualitative data are from primary and secondary sources. The data was collected by using observation, interview, and in-depth interview. The variables in this research was analyzed by using path analysis. FINDINGS: Social capital positively affect SMEs' financing as indicated by the significance value of 0.000 (< α= 5%). The stronger social capital of SMEs implied greater access of external financing sources. Social capital, and SMEs' financing positively affect SMEs' performance with 1% confidence level, and human resources positively affect SMEs' performance with 6% confidence level. The finding shown the stronger social capital and human resources increases SMEs performance. CONCLUSION: The results show that social capital and SMEs' financing positively affect SMEs' performance, and human resources positively affect SMEs' performance. The results imply that stronger social capital and human resources increases SMEs performance. Social capital facilitates access to finance, marketing, production, and information. The results shows that human resources affect SMEs' performance. Social capital and human resources positively affect SMEs' financing. Similarly, social capital, human resources, and financing positively affect SMEs' performance. [ABSTRACT FROM AUTHOR]

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This study aimed at finding out the effect of Treffinger creative learning model with RME principles on creative thinking skills by controlling numerical ability. This study was conducted to the fifth grade students of elementary schools in Manggarai regency using post-test only control group design of experiment. This study involved 101 fifth grade students as sample who were selected by using random sampling technique. The instruments were numeric ability test and creative thinking skill test. Data were analyzed by using ANCOVA aided by SPSS 23.0 program. The results showed that 1) the creative thinking skill of the students who learned mathematics Treffinger creative learning model with RME principles was higher than those who learned mathematics through conventional model, 2) the creative thinking skill of the students who learned through Treffinger creative learning model with RME principles was higher than those who learned through conventional learning model, after controlling numeric ability, 3) numeric ability gives a 33,2% contribution to the students'creative thinking skill. These findings show that Treffinger creative learning model with RME principles has a significant effect on the students'creative thinking skill. Mathematics teachers are suggested to employ this model in developing students'creative thinking skill. [ABSTRACT FROM AUTHOR]

This study aims to analyze 1) the development of demand for craft small and medium scale industries products through the use of e-commerce; the effect of e-commerce utilization, macroeconomic conditions, prices, 2) the intensity of promotion on product demand, 3) the effect of e-commerce utilization, macroeconomic conditions, prices, promotion intensity, and product demand for performance; and 4) the role of product demand in mediating the effect of e-commerce utilization, macroeconomic conditions, prices, and the intensity of promotion on performance. The results of the study show that the product demand variable gives a value of 0.371 while, influence of the business performance variable gives a value of 0.486. The results of the study show that the development of demand for handicraft products in Denpasar through low e-commerce utilization, craft small and medium scale industries that utilize e-commerce demand more products than those who do not utilize, macroeconomic conditions have a positive and significant effect on product demand, the price has a negative effect and significant to product demand, while promotion intensity has a positive but not significant effect on product demand. Crafting small and medium scale industries that utilize e-commerce have better performance than those that do not use, macroeconomic conditions, prices, and product demand have a positive and significant effect on performance. Promotion intensity has a positive but not significant effect on performance. Product demand variables mediate the effect of e-commerce utilization variables, perceptions of macroeconomic conditions, and price variables on the performance variables of small and medium scale industries. [ABSTRACT FROM AUTHOR]

The purpose of this study is to determine the effect of library services quality on achievement motivation associated with the learning achievement of Universitas Pendidikan Ganesha (UNDIKSHA) student. This research is conducted in Undiksha students using ex-post facto method. The sampling is done through random sampling method with 350 students. The data on library services quality and achievement motivation are collected using questionnaire. The data are analyzed using structural equation modeling (SEM). The research results show that a) Library services quality has an influence towards achievement motivation, with probability value of 0.034 (p<0.05), b) Library services quality has no influence towards learning achievement, with probability value of 0.585 (p>0.05), c) Achievement Motivation has an influence towards learning achievement with probability value of 0.026 (p<0.05), d) Achievement motivation fully mediated the effect of library quality towards learning achievement. [ABSTRACT FROM AUTHOR]