No abstract

Standard Operating Procedure (SOP) is an instrument that contains the processes and procedures of an activity based on a standard that has been standardized. This study determined the effect of the application of standard operating procedures on the effectiveness of financial services, especially at IAIN Sultan Amai Gorontalo. This research used a quantitative approach, with data collection methods through tests, questionnaires, and interviews. Data analysis was conducted to test the effect of the tested variables, namely the application of SOP (X) to IAIN Sultan Amai Gorontalo financial services (Y). The results showed that the application of SOP conducted at IAIN Sultan Amai Gorontalo influenced financial services at IAIN Sultan Amai Gorontalo. In its implementation, the SOP implemented at IAIN Sultan Amai Gorontalo has made financial services easier and more directed.

Poor households have not utilized coconut fiber that is very potential to improve their welfare. This study analyzed the root causes of poor households not yet utilizing the potential of coconut fiber craft as a source of livelihood. The potential of crafts that can be developed from coconut fiber and the strategy of building institutional, commercial business groups of poor households are based on the manufacture of coconut fiber crafts to be competitive and sustainable. The researchers collected data through observation, in-depth interviews, focused group discussion, and literature review. The results show that lack of knowledge is at the root of the leading cause of poor households not utilizing coconut fiber as their livelihood. The other causes are lack of skills, low education, weak access to information, lack of collective awareness, and a false understanding that coconut fiber handicraft products are not sold in the market. Even though the facts show that if processed into handicraft products, coconut fiber can be used by poor households to improve their welfare so that they can be economically empowered. Various strategies can be carried out to build the institutional economic business groups of poor households based on the manufacture of coconut fiber crafts, namely critical awareness, strengthening the capacity of poor households, both through skills training, on the job training, and in-service training. Besides, comparative studies of entrepreneurship can also be carried out, opening up access to information, opening access to micro-business financing, and building networks of poor households to the outside world.

The articles aims of discussing about using content based approach in accelerating non-English lecturers’ mastery of English. Out of three main types of Content-Based Instruction, this study uses the theme-based language instruction to accelerate the non-English lecturers’ mastery of English. Therefore, the question was asked; can the content based approach accelerate the non-English lecturers’ mastery of English.  This study was an action research study, where pre-test and posttest were administered to obtain the data, in addition to observation and literature study. The study is conducted in two cycles; each cycle consists of 5 meetings. The indicator of the study is that the study is completed when 75% of the lecturers were able to reach at least 75 points in the test. The pretest reveals that the average lecturers’ score is 63.50 and following the treatment using this approach at the end of the second cycle, the average lecturers’ mastery is 80.2%. Therefore, it is concluded that content-based instruction can accelerate the non-English lecturers’ mastery of English.

This research describe pohulo 'o tradition (pawning)