Increasingly sophisticated technology brings various conveniences both in transportation, information, education to the convenience of transactions in shopping, such as the development of E-wallet can now be easily done using a smartphone. From a number of e-wallet products, researchers took a case study, which is OVO product, which is currently being discussed by many groups, especially in the capital of Jakarta today. Customers or clients who are not satisfied with the services or products offered by a company will usually write their complaints on social media or reviews on Google play. However, monitoring and organizing opinions from the public is also not easy. For this reason, we need a special method or technique that is able to categorize these reviews automatically, whether positive or negative. The algorithm used in this study is Naive Bayes Classifier (NB), with the optimization of the use of Particle Swarm Optimization Feature Selection (FS). The results of cross validation NB without FS are 82.30% for accuracy and 0.780 for AUC. Whereas for NB with FS is 83.60% for accuracy and 0.801 for AUC. Very significant improvement with the use of Feature Selection (FS) Particle Swarm Optimization.
Masalah sampah adalah masalah perilaku, karenanya diperlukannya perubahan perilaku masyarakat untuk disiplin membuang sampah pada tempatnya, dan masalah sampah menjadi salah satu permasalahan di kota besar dan kota metropolitan lainnya, termasuk di wilayah Tangerang. Sampah rumah tangga adalah salah satu jenis sampah yang bisa menyebabkan bertambahnya masalah yang dihadapi pemerintah dalam menanganinya. Kampung Hijau Kemuning adalah salah satu pemukiman perkampungan di Kelurahan Binong Kecamatan Curug yang melakukan pengelolaan bank sampah yang berbasis syariah yang bertujuan mendorong penyelamatan lingkungan menjadi hijau, bersih, mengurangi sampah dan menjadi sumber penghasilan tambahan untuk warga Kampung Hijau Kemuning. Dalam proses pengelolaan bank sampah memerlukan pengembangan baik penggunaan aplikasi computer yang berbasis android atau dalam proses pengelolaan keuangan yang bersih dan bebas dari riba sesuai dengan kaidah islam (syariah). Tujuan penelitian ini adalah membangun aplikasi Bank Sampah Syariah yang berbasis Android dengan tampilan yang user friendly dan dapat membantu dalam proses pengelolaan kegiatan bank sampah yang inovatif dan menjadi masukan untuk meningkatkan pemberdayaan usaha mikro masyarakat dalam suatu kegiatan khususnya di wilayah Tangerang.
Bank BNI Syariah is one of the Islamic Financial Institutions, which plays an important role in the storage and distribution of funds to communities in need. In the finance portfolio Ownership (KPR) Bank BNI Syariah must be selective in assessing the feasibility filed by the debtor. This assessment is done so that the bank BNI Syariah avoid risks or losses can not be a return to lending. Thus the conduct of credit or bank financing BNI Syariah must make an assessment based on the procedure or crediting mechanisms and internal control in order to avoid bad credit. The results of this study indicate, to anticipate emerging risks on mortgage products IB Griya Hasanah, BNI Syariah has application in anticipation of the risk occurring particularly the risk of credit or financing. Bank BNI Syariah apply multiple ways based on the regulations of Bank Indonesia No. 13/23 / PBI / 2011 regarding the implementation of Risk Management in Islamic banks and Islamic business units, among which the risk assessment process with the first step taken is to identify risk, then the risk assessment by PBI using the scoring method is based on historical data of customers and uses analytics 5C character (character or personality), capacity (ability), capital (capital), collateral (collateral), and the condition of economic afterwards risk monitoring and measures The latter is a risk control.
The problem of garbage is a behavioral problem, therefore the need for a change in public behavior to discipline throwing garbage in place, and the problem of garbage becomes one of the problems in major cities and other metropolitan cities, including in Tangerang area. Household waste is one type of garbage that can cause increasing problems facing the government in dealing with it. Kampung Hijau Kemuning is one of the residential settlements in Binong Village, Curug Sub-District that manages sharia-based waste banks aimed at encouraging environmental rescue to be green, clean, reduce waste and become an additional source of income for the residents of Kampung Hijau Kemuning. In the process of waste bank management requires the development of either the use of computer applications based on android or in the process of financial management that is clean and free from usury in accordance with islamic (sharia) rules. The purpose of this research is to build an Android-based Sharia Waste Bank application with a user-friendly view using the Waterfall method. The waterfall model provides a sequential or sequenced approach to software life flow. The results of this research will help the process of managing innovative waste bank activities and become input to increase the empowerment of micro-business communities in an activity, especially in Tangerang area.
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