This study was conducted at Baitul Maal Wa Tamwil (BMT) employee who join in BMT Association of Kebumen Regency. This study is entitled ‘The Effect Analysis of Internal Factors (Intelligence, Interests, Talent, Motivation, Age) and External Factor (Environment, Education, Experience, Training) toward Understanding of Mudharaba and Murabahah " (Case Study at BMT’s employee of Kebumen Regency). This study aims to determine the BMT employee’s understanding of mudharabah and murabahah finance, and also the effect of intelligence, interests, talents, motivation, age, environment, education, experience and training toward the understanding of mudharabah and murabahah finance. The sample method used in this study is sampling purposive, i.e., BMT employee consists of Operations Manager, Marketing Manager, Finance Manager and Marketing who are in 60 respondents with a minimum term of 1 year. The analytical tool used is multiple regression analysis. Based on the study and data analysis, it can be concluded that BMT employee understands on mudharabah finance. Intelligence, talent, and training signficantly effect to mudharabah finance, whereas interests, motivation, age, environment, education and experience insignificantly effect to mudharabah finance. It can be known that BMT employee understands on murabahah. Intelligence, talent, motivation and training significantly effect to murabahah, whereas interest, age, environment, education and experience insignificantly effect on the understanding of murabahah.
Pengabdian ini bertujuan untuk meningkatkan kemampuan membaca dan menulis siswa di SMPN 1 Jabiren Raya pada kelas tambahan belajar membaca dan menulis dari beberapa siswa yang kemampuan membaca dan menulisnya masih kurang.. Metode yang digunakan adalah metode demonstrasi.yaitu metode dengan memperagakan bacaan maupun secara langsung lalu siswa mengikuti dengan mengulang bacaan maupun yang telah diperagakan. Subjek yang mengikuti kelas tambahan adalah 20 Siswa dari kelas VII, VIII, dan IX. Hasil dari penelitian ini adalah bahwa kemampuan membaca dan menulis meningkat ketika menerapkan metode demonstrasi. Metode yang diterapkan dalam mengajar membaca dan menulis ini ada tiga kategori yang akan diajarkan. Kategori pertama siswa yang tidak hapal huruf abjad, setelah diajarkan dengan metode demonstrasi siswa jadi hapal. Kategori yang kedua, siswa yang hapal huruf abjad namun tidak bisa membaca, setelah diajarkan dengan metode demonstrasi pula siswa jadi bisa lebih lancer membaca. Kategori yang ketiga siswa yang bisa membaca namun tidak bisa menulis, setelah diajarkan dengan metode demonstrasi siswa jadi bisa menulis. Dengan begitu dapat dilihat bahwa metode demonstrasi efektif dalam meningkatkan kemampuan membac dan menulis.Kata Kunci: Meningkatkan, Membaca dan Menulis, Kelas Tambahan
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