The spread of Covid-19 in Indonesia forces teachers and students to conduct the online learning-teaching process independently. Online learning is carried out to protect teachers-students and reduce the number of people affected by the virus. Thus, this present study aims to discuss how independent learning in online English class put into practice at school, discover students’ perceptions of independent learning in online English classes and its challenges during the Covid-19 pandemic. This present study relays on mixed methods research design. Qualitative and Quantitative data were collected through a survey using a google form. Qualitative data were analyzed by coding, classifying, explaining, and concluding. Meanwhile, quantitative data were analyzed using the Likert scale method through SPSS ver. 23. The results show that in the learning-teaching process during the covid-19 pandemic, students learn independently using learning-teaching materials provided by English teachers. Besides, students use media such as YouTube to help them understand the material given by teachers. Students claim that independent online English learning is ineffective since students find difficulties in understanding materials. Although students use technology to support the learning-teaching process, it does not work well since the internet connection is unstable and internet quotas are limited. Therefore, teachers should manage independent online learning properly to enable students to achieve the goal of the learning-teaching process. Teachers should organize and control the learning-teaching process according to current needs; planning, implementation, and assessment.

Penelitian ini bertujuan untuk mengetahui implementasi akad murabahah pada pembiayaan pensiun di Bank Syariah Mandiri KCP Manado Kairagi sudah sesuai dengan fatwa MUI atau belum. Penelitian ini menggunakan metode penelitian kualitatif, yang mana peneliti akan menguraikan atau menggambarkan mengenai implementasi akad murabahah pada pembiayaan pensiun di bank Syariah mandiri KCP Manado Kairagi. Berdasarkan hasil penelitian, implementasi akad murabahah pada pembiayaan pensiun di bank Syariah mandiri KCP Manado Kairagi telah mengatur syarat dan ketentuan yang dibutuhkan ketika akan mengajukan pembiayaan pensiun pada PT Bank Syariah mandiri KCP Manado Kairagi. Dalam pembiayaan pensiun ini harus terbebas dari riba, gharar, maisyir dan juga harus halal.

This research's purposes were: (1) exploring the perceptions of non-English teachers in teaching English at IAIN Manado; (2) assessing the ability of non-English teachers to attain IAIN Manado student qualifications. This study uses a mixed research method based on an exploratory sequence. The research was conducted using IAIN Manado Purposive sampling technique, and the researcher determined the research object by specific criteria. The study results show: (1) They loved how a non-English professor teaches English. They say that if a non-English teacher is amiable in teaching, he often motivates students to learn English. They also value non-English-based lecturers. Students also actively follow teaching and learning activities, (2) Student evaluations also were found in pre-test and post-test data when post-test ratings were increased, with 7 (41.17%) having an average value, 5 (29.42%) with good ratings, 4 (23.0%) with poor scores, and 1 (5.89%) with very good ratings. This means a significant increase in English language learning by non-English lecturers.

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