The Covid-19 pandemic has had a significant impact in all aspects of human life, such as in the health, education, social, economic and banking sectors. To restore the economic and banking sectors, the government through The Financial Services Authority issued Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 11 /POJK.03/2020 Tentang Stimulus Perekonomian Nasional Sebagai Kebijakan Countercyclical Dampak Penyebaran Coronavirus Disease 2019. One of the things described in POJK Number 11 /POJK.03/2020 is the implementation of credit or financing restructuring for debtors who were affected during the Covid-19 pandemic. The implementation of this credit / financing restructuring has raised concerns about bank liquidity. This study uses a qualitative descriptive analysis method by describing the phenomena that occur due to the impact of Covid-19 on the global and national economy, Indonesian government policies, and banking. The results showed that during the period March-September 2020 the average Financing to Deposit Ratio (FDR) in Islamic Commercial Banks showed a value of 79.31% where the highest ratio occurred in July with a ratio level of 81.03% and the lowest ratio occurred in September with a ratio of 77.06%. Under these conditions, in general the level of liquidity of Islamic commercial banks is categorized as healthy or liquid. The average FDR ratio in Sharia Business Units for the period March-September 2020 shows a value of 103.54% where the highest ratio occurred in May with an FDR ratio of 107.20% and the lowest ratio occurred in September with an FDR ratio of 95.87%. Under these conditions, in general the liquidity level of the Sharia Business Unit is categorized as less healthy or less liquid.Pandemi Covid-19 telah memberikan dampak yang signifikan dalam segala segi kehidupan manusia seperti dalam bidang kesehatan, pendidikan, sosial, ekonomi maupun sektor perbankan. Untuk memulihkan sektor ekonomi dan perbankan, pemerintah melalui Otoritas Jasa Keuangan mengeluarkan Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 11 /POJK.03/2020 Tentang Stimulus Perekonomian Nasional Sebagai Kebijakan Countercyclical Dampak Penyebaran Coronavirus Disease 2019. Salah satu hal yang dijelaskan dalam POJK Nomor 11 /POJK.03/2020 adalah pemberlakuan restrukturisasi kredit atau pembiayaan bagi debitur yang terdampak selama pandemi Covid-19. Pemberlakuan restrukturisasi kredit/pembiayaan ini memunculkan kekhawatiran terhadap likuiditas bank. Penelitian ini bertujuan untuk menganalisa dampak implementasi restrukturisasi pembiayaan terhadap likuiditas bank syariah pada situasi pandemic covid-19. Penelitian ini menggunakan  metode analisis deskriptif kualitatif dengan cara mendeskripsikan fenomena-fenomena yang terjadi akibat dampak Covid-19 terhadap perekonomian global maupun nasional, kebijakan pemerintah Indonesia, serta perbankan. Hasil penelitian menunjukkan bahwa selama periode Maret-September 2020 rata-rata rasio Financing to Deposit Ratio (FDR)  pada Bank Umum Syariah menunjukkan nilai 79,31% dimana rasio tertinggi terjadi pada bulan Juli dengan tingkat rasio 81,03% dan rasio terendah terjadi pada bulan September dengan tingkat rasio 77,06%. Dengan kondisi tersebut, maka secara umum tingkat likuiditas bank umum syariah dikategorikan sehat atau likuid. Rata-rata rasio FDR pada Unit Usaha Syariah periode Maret-Septemer 2020 menunjukkan nilai 103,54% dimana rasio tertinggi terjadi pada bulan Mei dengan tingkat rasio FDR 107.20% dan rasio terendah terjadi pada bulan September dengan tingkat rasio FDR 95.87%. Dengan kondisi tersebut, maka secara umum tingkat likuiditas Unit Usaha Syariah dikategorikan kurang sehat atau kurang likuid.

A new language and term use new words that we can relate to the one of linguistics branches of the morphological aspect namely word formation process. The process of word formation in creation of new English words is called derivation. One of the language phenomenon is in the practice of language used in online news specifically Jakarta Post Website. The Jakarta Post is one of the daily Indonesian has language English. The Jakarta post presented with various of news, such as sport, entertainment, education, etc. The purpose of this study is identifying the most common type of derivation words that is used in the headline of ten education articles in Jakarta Post Website in October 2015 until April 2016. This study uses qualitative method. The result show that the most common of derivation words that is used in headline ten article educations in Jakarta Post Website in October 2015 until April 2016 is noun derivations. Keywords: derivation, Jakarta Post.

This research aims to describe the students’ difficulties in writing descriptive text and to find out the causes of students’ difficulties in writing descriptive text. This research uses quantitative descriptive methods. The research subjects are X MIPA 6 students of SMAN 1 Sukodadi who had difficulties when writing descriptive text, the data of this research are the result of students’ worksheet and the students’ answer in interview. This research used documentation and interview to collect the data. Data reduction, data display and drawing conclusion was used to analyze the data. The result of this research shows that the students of X MIPA 6 have difficulty in writing descriptive text, the difficulties are difficulties in generic structure, difficulties in grammar, and difficulties in spelling. While the factors that cause the students’ difficulties in writing descriptive text are lack of proficiency in the text production skills, lack of knowledge relating to the subject contents of the script to be written, and lack of interest in learning English. Keywords: Students’ difficulties, descriptive text

Many researches on e-book development have been done, but they are different from the development of e-book literacy (ELITE). The developed ELITE has several advantages, including features that can be utilized to train students’ scientific literacy, the integration as a source of student learning, and teacher’s teaching material in learning. This study aims to produce ELITE which is reliable in terms of validity, practicality, and effectiveness review. The e-book developed is said to be worthy if at least it has good enough criteria. Type of research that is appropriate with the design of ELITE media development to practice scientific literacy is ADDIE (Analysis, Design, Develop, Implement, and Evaluate). The data collection employed included validation, observation and questionnaires. The obtained results show that the validity was in very valid category (learning 91.67%, material 92.71%, media 94.27% and language 90.74%). The practicality results are categorized very good with a percentage of 87.50%. The results of effectiveness based on the pre-test and post-test results are as follows: the scientific literacy competence to explain the phenomenon scientifically increased by 52% and the scientific literacy competence to interpret data and scientific evidence increased by 59%. The results of this effectiveness are included in the quite good category. In addition, the effectiveness results based on students’ positive responses are categorized very well (85.71%). Based on the analysis results, it can be concluded that the ELITE media developed is feasible to be used to train junior high school students’ scientific literacy particularly on solar system material.

The focus of this research is the level of reading comprehension of high school students in the Lamongan. This study uses a quantitative descriptive approach. This study uses a test sheet instrument of reading comprehension. The population of the study was all high school students in the Lamongan. The sampling method in this study is proportional sampling. The sample were 10