Banking credit has an important role in financing the national economy and as engine of economic growth. The high growth of credit is a commonly normal phenomenon as a positive consequence from the increase of financial deepening in economy. On the other hand, one must consider the implication of credit growth towards the financial stabilization and macro condition. Therefore, the policy authority should be able to identify the credit growth that is considered to be risky for the financial system and the macro stability. This research measures the credit growth without negative impact towards the economy and the banking condition. The testing uses Markov Switching (MS) Univariate approach and MS Vector Error Correction Model. The result with MS Univariate approach shows that the upper limit of the real credit growth in moderate regime is about 17.39 percent, while using the MS VECM approach is about 22.15 percent.Keywords: bank, credit, risk, markov switching error correction modelJEL classification: G21, E51, C23,C24
This paper analyzes the contributon of primary input; capital anda labor, on sectoral performance in Indonesia. The analysis cover sall sectors both in national and regional level, and also the dynamic of input efficiency across period. Using stochastic frontier production function approach, this paper found the aggregate share of capital is 0.20 and 0.34 for labor; conforming the dominance of labor. The highest three technical efficiency is Mining sector (88.65%), Manufacture (70.47%) and Financial (65.93%), while the lowest one is Electric, Gas and Water (25.38%). Keywords: efficiency, stochastic frontier, productivity, Indonesia.JEL Classification: D24, J24, O18
This paper analyzes the contributon of primary input; capital anda labor, on sectoral performance in Indonesia. The analysis cover sall sectors both in national and regional level, and also the dynamic of input efficiency across period. Using stochastic frontier production function approach, this paper found the aggregate share of capital is 0.20 and 0.34 for labor; conforming the dominance of labor. The highest three technical efficiency is Mining sector (88.65%), Manufacture (70.47%) and Financial (65.93%), while the lowest one is Electric, Gas and Water (25.38%).Keywords: efficiency, stochastic frontier, productivity, Indonesia.JEL Classification: D24, J24, O18
Mathematics is still seen as a difficult and uninteresting subject, therefore it requires certain strategies so that learning outcomes are optimal. Guidance Counseling as part of the element of education contributes to supporting learning objectives. Learning style-based learning is seen as one of the solutions to improve mathematics learning outcomes. This study aims to describe the application of learning style-based learning guidance that is able to improve mathematics learning outcomes and to test the effectiveness of learning style-based tutoring in improving mathematics learning outcomes. This study uses a mix method approach with a one-group pretest-posttest design. Qualitative data obtained through questionnaires, observations and interviews during the implementation of learning guidance. Quantitative data obtained from learning outcomes tests before and after learning guidance activities. Data analysis was performed using descriptive statistics and t-test. The results showed that prior to the implementation of earning guidance services, students did not know their learning styles, how to learn self-taught, students were less interested in mathematics and considered mathematics a difficult subject. Mathematics learning outcomes tend to be low. The implementation of earning guidance is carried out in stages: assessing student learning styles, providing information and discussions about learning style-based learning strategies, practicing learning style-based learning strategies. Through tutoring based on learning styles, students become more interested in learning mathematics and there is an increase in learning outcomes from the average pretest 46.25 to 80.63. The results of the t-test of 11.296 with a significance level of 0.5%. Thus, guidance learning style-based is effective in improving mathematics learning outcomes, so mathematics teachers need to teach learning style-based mathematics learning strategies
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