Saturday, January 30, 2016

Penyusun tata surya

Bumi adalah planet yang satu-satunya diketahui memiliki aktivitas geologi dan memiliki makhluk hidup. Memiliki hidrosfer yang cair yang merupakan ciri khas di antara planet-planet kebumian. Bumi juga merupakan satu-satunya planet yang memiliki lempeng tektonik. Atmosfer bumi berbeda dengan planet lainnya, karena pengaruh keberadaan makhluk hidup yang mana menghasilkan 21% Oksigen. Bumi memiliki satu satelit yang bernama bulan.
·         Mars atau planet merah berrevolusi 687 hari dan berrotasi 24,6 jam. Planet mars memiliki dua satelit yaitu fobos dan deimos.
·         Yupiter merupakan planet terbesar yang mengelilingi matahari. Massanya 318 kali dari massa bumi. Kandungan utama yang membentuk yupiter adalah hidrogen dan helium. Yupiter mempunyai 63 satelit empat satelit terbesarnya yaitu Ganymede, Callisto, Lo, dan Europa. Ganymede satelit yupiter merupakan satelit terbesar di Tata Surya yang berukuran lebih besar dari pada planet Merkurius. 
·         Saturnus merupakan planet yang dikenal karena cincinnya. Saturnus memiliki massa 95 kali dari masaa bumi. Saturnus memiliki 60 satelit, dua diantaranya adalah Titan dan Enceladus yang mana telah menunjukkan aktvitas geologis, meskipun hampir terdiri dari es saja. Titan merupakan satu-satunya satelit yang memiliki atmosfer tersendiri. 
·         Uranus adalah planet paling ringan dengan massa 14 kali massa bumi yang dikategorikan. Inti uranus sangat dingin yang hanya memiliki pancaran sedikit energi panas. 
·         Neptunus merupakan planet yang sedikit lebih kecil dari Uranus, dan bermassa 17 kali dari massa bumi. Dia memiliki 2 buah satelit yaitu Triton dan Neroid. Revolusinya selama 164,8 tahun dan rotasinya 16,1 jam.





Learning of Natural Science in Primary Schools

Coverage materials Natural Sciences in Primary Schools

The scope of subjects Science includes two aspects: Scientific Work and Concept and Implementation. Scientific work include: investigation / research, scientific communication, the development of creativity and problem solving, attitude and scientific value; whereas Concept and Implementation. includes: Living things and life processes, namely humans, animals, plants and their interaction with the environment, and health; Objects / materials, properties and uses include: liquid, solid, and gas; Energy and changes include: the style, sound, heat, magnetism, electricity, light and simple aircraft; Earth and the universe include: the land, the earth, the solar system, and other celestial bodies; and Science, Environment, Technology, and Society (salingtemas) which is the application of scientific concepts and their interrelationships with the environment, technology and society through the creation of a simple technology works including designing and making.
All five are basic fields of physics, chemistry, and biology. Although the area is a Natural Sciences learning materials, learning not only involves the problem of knowledge. Learning of Natural Sciences notably more emphasis on the process of how students learn and the effects of the learning process for the development of the students themselves. Natural Sciences learning involves students 'activity, both physical activity and mental activity, and focus on the students, based on the students' everyday experiences and interests of students. Learning of Natural Science in elementary school has three main objectives: to develop scientific skills, understand the concept of Natural Sciences, and develop an attitude that is based on the values ??contained in the lesson.
How elementary school students studying Natural Sciences?
Learning is an active process (Rodriguez, 2001). Children learn how to construct things learned by the knowledge that he knew and not receive something passively. This understanding stems from konstruktivisma perspective. Konstruktivisma itself often found in various fields such as psychology, philosophy, sociology, and education, as well as significant implications in the learning of Natural Sciences.
This raises the question that how to make students active learning? And this question will determine how the teaching and learning of Science in elementary school, that learning of Natural Sciences is not only the determination and mastery of the material, but what aspects of Natural Sciences who need to be taught and in what way, so that students can understand the concepts being studied by good and skilled logically to apply these concepts to other situations that are relevant to their everyday experience.

Student interest in Natural Sciences is also important to study Natural Sciences effective, especially for developing confidence in the opinion, reasoned, and determine how to figure out the answer. In that case, a six-year students will have a meaningful learning experience that at this stage the students are able to develop the attitudes and values ??of learning of Natural Sciences. Students who are interested in Natural Sciences will feel that studying Natural Sciences was fun to be enthusiastic about how the lessons of Natural Sciences affected the daily experiences (Murphy and Beggs, 2003). How ignited interest and motivation in students who do not love the lessons of Natural Sciences?

b. Learning strategies Natural Sciences

Hands-on and minds-on approaches
Effective learning by doing "activities" (learning by doing). Nevertheless, the essence of "activity" in the learning of Natural Sciences is a "learning activity" (Fleer, 2007). In practice it is not uncommon that "activity" (hands-on science) itself is not accompanied by learning (Bodrova and Leong, 2007). In his article, Osborne (1997) asks provocatively: "Is doing science the best way to learn science?" Therefore, teachers need to provide opportunities for students to interpret the concept (minds-on approach) (Keogh and Naylor, 1996).
Placing students at the center of the learning process
Traditional teaching methods with expository approach should start to be reduced. Teachers are only downloading the transmission of knowledge is less stimulating students to learn actively. This does not mean that the method is not good lecture, or students do not undergo a process of learning. Variation of the learning process more triggers students to actively learn (Rodriguez, 2001). Placing students at the center of learning poses means providing opportunities for students to construct the learned based on the knowledge that he knew and interpret concepts, instead of providing information through text books (Dickinson, 1997).
Identification of prior knowledge and misconceptions students
It is not at all easy because of several factors led to elementary school students can not articulate very well what he knows. However, departing from what is useful to know the student to determine the effective learning plan (Harlen, 1996).
Constraints learning Natural Sciences
Konstruktivisma approach in teaching Natural Sciences are not easy to implement. Perceptions about the role of the teacher in the classroom, the school's role in children's education, perceptions and expectations of parents towards teachers and schools are still very contradictory with the perspective konstruktivisma and very difficult to change the paradigm that holds that the teacher is the only source of learning.
Limitations of teachers in the fields of scientific knowledge and feeling less confident to teach Natural Sciences is another obstacle. This is because most primary teachers are classroom teachers who teach multiple subjects (high workload). Teachers' perceptions of the Natural Sciences also determine the learning of Natural Sciences. Teachers who see the Natural Sciences as a collection of facts, concepts, or cause a theory of learning of Natural Sciences that are less meaningful. Although the teacher holds a strong commitment to educating students and believes that students need to study Natural Sciences, teachers become less enthusiastic and confident of their ability to study Natural Sciences. It is less stimulating students to learn actively (Dickinson, 1997). Commitment to improve the learning process of Natural Sciences is an important step in creating an effective learning process (Tobin, Briscoe, and Holman, 1990).
These problems, plus the national final examination system which places great emphasis on understanding the concept, is a dilemma. The system resulted in Natural Sciences is taught only as a collection of facts, concepts or theories (body of knowledge), especially in grades 5 and 6. The teacher felt the need to prepare students for the national final exams in a manner appropriate drilling so they can answer the question. The dedication of teachers to provide meaningful learning experiences for students in the field of Natural Sciences and provided supplies scientific values ??contained in the learning of Natural Sciences declined sharply along with preparation for exams.
In addition, the number of students in the classroom is the main obstacle of learning of Natural Sciences. The number of students in the top 20 children in one class cause difficulties to overcome the problem of teacher individual differences in ability. Another example is the availability of time constraints; a mismatch between the curriculum, teaching, and evaluation; limitations of learning resources; the pattern of relationships between teachers and students; and others.

c. The concept of Natural Resources

On the matter of Earth and the Universe, there is one component of the so-called natural resources. Natural resources are everything supplies or goods naturally in a state as found necessary human (Randall, 1987, in Notohadiningrat, 1992), or with a particular effort can be made useful to man (Menard, 1974, in Notohadiningrat, 1992). In its raw state, the resource can be input into the process of producing something of value, or it can be entered directly consumption process so as to have the price (Randall, 1987, in Notohadiningrat, 1992).

According to the constituent materials, natural resources terpilahkan be non-biological resources (water, soil, air, minerals, and energy) and biological resources (animals and plants). According to its behavior in normal use, there are renewable resources (water, soil, air, animals, and plants) and there are non-renewable (minerals and energy). But on the use limit has passed, can behave renewable and non-renewable resources within a human generation, since the rate of utilization beyond the rate of restoration of those resources themselves.

d. The concept of conventional energy

Energy and its amendment on the matter, there is a conventional energy or fossil fuels. In the English dictionary, the fuel is defined as a substance that is burned to produce heat or power. Heat obtained from the combustion process, wherein the carbon and hydrogen in the fuel reacts with oxygen and release heat. Procurement of energy as heat or power, either in the form of mechanical or electrical, is the main reason fuel combustion. The term energy, when used accurately in energy statistics, refers only to heat and power, but freely used by many people to include fuel as well.
Energy has always played an important role in the development of human life and economic growth and social welfare. For example, fuel wood has been used since ancient times to make fire, and the first human civilizations have used wind to sail abroad.
Firewood when it was discovered abundant and free. People are still living in remote places. When the villages and small towns have sprung up, then firewood turned into a commodity trade. With the ever-expanding city, demand for energy has increased significantly, so the forests began to be exploited excessively resulting in a scarcity of firewood in various regions. In connection with this, the nascent awareness for supervising the supply and demand for fuel wood.
Without the heat from the burning of fuels, human activities will be limited and hampered. Modern society is more and more use of energy in industry, services, housing, and transportation. The most obvious example is oil, which is the most commercial commodity. However, keep in mind that both oil and other fossil fuels, such as coal and natural gas, a non-renewable natural resources. The combined effect of rising demand and depletion of natural resources makes us need to monitor the energy situation. Other factors that require deeper knowledge about energy supply and demand is the problem of dependence, endurance, and energy savings as well as environmental problems. Use of hydrocarbon fuels causes environmental damage due to high carbon dioxide emissions, which contribute greatly to global warming.

e. Alternative energy concepts

Alternative energy is a term that refers to all the usable energy that aims to replace conventional fuel without unintended consequence of it. Due successfully lowered production costs, renewable energy such as biofuels, solar, wind, etc., will continue to grow rapidly to 15 years, and would be excellent both investors and consumers, and can be the best replacement for energy sources Conventional biofuel or fossil / non-renewable. But the development of renewable energy is still quite long still need technology to overcome a number of problems.

The challenge of renewable energy

Because the issue of environmental sustainability, renewable energy continues to receive special attention and support from the governments of several countries (like the US and Canada), but for long-term customers and investors are more likely to be away from him for suggesting that renewable energy technology is not yet mature, with high production costs, the price is expensive, and thin profits.
Along with the increasingly high technological capabilities and declining production costs, renewable energy industry is now beginning to transition. Within the next 15 years the conventional energy industry will face a tough challenge, "corporations, governments, and investors will reconsider their investment plans carefully to avoid losses."
Conventional energy industry (such as coal, petroleum, and natural gas) will continue to be a huge market with a sizable profit, and will not be as easy as it vanished. In addition, the technology in the conventional energy industry (such as the engineering of power plants with coal) as well as the transition or transformation of plant equipment in this industry are basically too costly.
"Despite the challenges, before 2020, the conventional energy (such as coal, petroleum, and natural gas) will continue to be the main energy source for the whole world."

Biofuels high level

Production costs to produce biofuels from fibers that have been disposed of and the decayed, straw, weeds, leaves, or animal feed, would be equivalent to the cost of gasoline production before 2015, or down to 10 US cents per KWH, and will be a serious rival for conventional fossil energy sources. The current technical barriers to produce bio fuel high levels (such as ethanol produced from raw materials of non-food) are: build the infrastructure of transportation and equipment storage, as well as producing cars which utilize bio fuels high-level or mixed fuel (such as gasoline blended with ingredients a high level of bio fuels).

Solar power is a liquid

Now technology that utilizes solar energy to heat water that is then used to generate electricity has become more mature, and the cost has been reduced to be the same with the cost of conventional power generation technologies (such as brick coal to generate electricity).
However, although solar energy can be stored in the form of hot liquid, but it is difficult to be distributed - this is what has now become an obstacle in the dissemination of solar energy utilization tangible this fluid.

Photovoltaic solar energy

By using photovoltaic panels, sunlight can be directly transformed into electrical energy. The development of photovoltaic technology has now also been developed such that the production cost can be reduced. Until 2020 the cost of photovoltaic solar energy production will be equal to the cost of production of other energy sources, and will have high competitiveness. The total capacity of worldwide electricity that can be generated with photovoltaic technology will reach 120 ~ 140 billion watts by 2015, or about 6 ~ 7 times the capacity of electricity production in 2009 only amounted to 20 billion watts.

Wind power

Wind power can be divided into two types namely onshore wind power (onshore wind) and marine wind power (offshore wind). When compared with other renewable energy sources, wind energy technology is already highly qualified. In some places, the cost of production of power units with onshore wind power is the same as conventional power generation technology, and even continued to show a downward trend. It is estimated that in 2015, the cost of power production by wind power can be reduced again by 15%, reaching 12 ~ 13 US cents per KWH.
According to statistics from the Canadian Wind Energy Energy Association (CanWEA), in the last decade, the growth rate of wind power worldwide has reached 25%. And in 2020, the total value of investment in the energy sector of wind power worldwide will reach 1 trillion US dollars, with an annual power capacity of more than 6 trillion watts per year. But wind power constraints are: the need for vast land, which is usually difficult to obtain permission from the government, and it is difficult to store the electricity generated.

f. The integration of Islamic values ??in science teaching

Urgency integration of the values ??of Islam which contains at IPA spiritual values ??are: First, integration is done as worship and command execution Allah. Secondly, integration is done to give worship at all aktivias science and life associated with the process and results of science. Third, the integration is done with the aim of eliminating the dichotomy between public science and theology as well as strengthen mutual support between scientific knowledge with the values ??of Islam. Fourth, integration conceived with the aim to assert that the science is not neutral either in the process, as well as the application of science, but the intervention of religious values. Fifth, the integration is done as a way to enhance human beings in worship to Allah. Sixth, the integration is done with the aim to enable people to understand that both science and religion come from the same source, namely God Almighty. Seventh, the integration of the value of religion, science, and other related aspects need to be internalized through a model that can be tested in the future.

Saturday, December 19, 2015

Understanding Attention According to the Experts Definition

Understanding Attention According to the experts - Attention is centering psychic, one of which focused on the psychological aspects of an object that comes from the dam outside the individual. With attention can be used to predict human behavior or actions in daily life. Attention will provide color and pattern even direction of a person's behavior. With attention, one will get an idea of the possibilities of stimulation that will arise as a response to a problem or situation that confronted him.


a. Definition Attention
Not easy for us to formulate the notion of attention. Unease was caused partly by a few things: the use of a less appropriate attention by the public. Often people equate attention to the motive, motivation and empathy.

Attention is different from sympathy, empathy and communication even though all three are closely related to the centralization of power someone. According Dakir (1993: 114) "Attention is the liveliness of awareness throughout the life functions are deployed in the resulting concentration to stuff something good that is in and who is out of individuals while matching the opinion expressed by Slameto (1995: 105)

Attention is an activity carried out by someone in his relations with the selection of stimuli that come from the environment.

Understanding Attention According to the Experts
From the opinions of the above, it can be concluded that the concern is the concentration of psychic energy that is focused on an object that comes from within and from outside the individual.

Definition of Management According to the Experts Management

Definition of Management According to the Experts - In the world of education, said management has a very broad sense, management science believe several branches include marketing management, production management, financial management and personnel management.

Management definition has always been progressing, resulting in the development manamejen always adapted to the situation and conditions in line with the growth of management itself. Below will be presented several definitions of management.

The following Definition of Management According to the Experts | Management definis

1. Prof. Oie Liang Lee, limit management issues as follows:

"Management is the science dans eni coordinating and overseeing human power with the help of the tools to achieve its intended purpose". (Basu Swastha, DH and Ibn Sukotjo, Introduction to Modern Economic Persuahaan, Revised Edition, Liberty, Yogyakarta, p. 5)

2. Drs. M. Manullang, giving definitions of management are:

"The art and science of planning, organizing, directing, and monitoring rather than human resources to achieve the goals that have been determined in advance." (M Manullang, Personnel Management, Revised edition, Ghalia Indonesia, 1981, p 10-11)

Definition of Management According to the Experts

From the above definition it can be a sense that management is a science and an art. Management referred to as a science because it contains knowledge management. And referred to as an art as a manager in the decision to move the subordinates must be able to create a harmonious atmosphere and participatory vigorously, so that the targets can be achieved.

In the article Definition of Management According to the Experts | Management definis I write references using FOTE note to facilitate you in supporting the strength of the article itself in terms of reference.

Friday, December 11, 2015

Understanding Mortgage Papers, Law, Execution, Case, Characteristics and Nature

Understanding Mortgage Papers, Law, Execution, Case, Characteristics and Nature - Understanding security rights: Article 33 paragraph (3) of the Constitution of 1945 affirms that the earth, water, and natural resources that is in the earth is used for the greatest prosperity of the people of Indonesia.


Mortgage Papers - Implementation of Article 33 (3) Act of 1945 with respect to the land stipulated in Law No. 5 of 1960 on Agrarian Basic Regulation. This Act repeal Book II of the Civil Code in the case of earth, water, and natural resources that is in it, except for the provisions governing mortgages. However, there are several aspects that need to be considered, namely:
With increasing national development which focuses on the economy, required the provision of substantial funds, thus requiring rights institutions guarantee a strong and able to provide legal certainty for the parties concerned, which could encourage increased participation of the people prosperous, equitable and prosperous based Pancasila and the 1945 Constitution;
Since the enactment of Law No. 5 of 1960 on the Basic Regulation of Agrarian up to this time, the full provisions of the Mortgage as an institution that can be charged to guarantee the rights to land following or not following the objects related to the land, has not been formed;
The provisions concerning mortgages as set out in Book II of the Civil Code Indonesia along the ground, and the provision of credietverband in staatsblad 1908-542 as amended by staatsblad 1937-190, which is based on Article 57 of Law No. 5 of 1960 on the Basic Regulation of Agrarian still be temporary until the establishment of the Law on Mortgage, deemed no longer compatible with the needs of credit, in connection with the development of the economic governance of Indonesia;
Given the developments that have and will occur in the regulation and administration of land rights as well as to meet the needs of the community at large in addition to property, the right to cultivate, and building rights that have been designated as the object Encumbrance by Law No. 5 of 1960 on the Basic Regulation of Agrarian, certain land use rights which shall be registered and transferable by their nature, should also be possible for the encumbered Mortgage. (Rachmadi Usman, 1999, the Articles On Mortgage of Land, Djambatan, Jakarta, pp. 41-42)

Dealing with such matters with the things mentioned above, the government of the Republic of Indonesia deems it necessary to enact legislation regulating the Mortgage on land and objects related to the land, as stipulated in Law No. 5 of 1960 on the Basic Regulation of Agrarian Principles, as well as realizing the unification of national land laws. On April 9, 1996, with the approval of Parliament, the President of the Republic of Indonesia has enacted Law No. 4 of 1996 on Mortgage of Land Along Objects Relating to Land. This Act promulgated in State Gazette No. 3632. (Subekti, 1996, guarantees for Lending, including Mortgage, Legal Indonesia, Citra Aditya Bakti, Bandung, p. 39)

Act No. 4 of 1996 on Mortgage of Land Along Objects Relating to Land, which is formally under Article 30 of the Act, hereinafter referred Act Mortgage (UUHT), are set to meet the provisions of Article 51 of Law No. 5 of 1960 on Basic Agrarian, otherwise known as the Basic Agrarian Law (BAL) Article 51 states:

"Encumbrance which can be charged to property, the right to cultivate and building rights mentioned in Article 25, 33, and 39 is set by law."

With the enactment of UUHT, the provisions on mortgage set out in Book II of the Civil Code in the case of loading Encumbrance on land rights as well as objects related to the land, as well as provisions on credietverband arranged in staatsblad 1908-542 and 1937-190 stated staatsblad expired.

According to Article 1 paragraph 1 UUHT, Mortgage of Land Along Objects Relating to Land, hereinafter referred to as Encumbrance is:

"The right of a guarantee imposed on land rights as defined in the BAL, following or not following other objects which are an integral part of the land, for the repayment of certain debt obligations, which gives the position preferred to specific lender against other creditors."

From the above definition can be concluded that the Mortgage is a strong guarantee agency because Encumbrance give preferred status to certain creditors to other creditors. (Rachmadi Usman, op.cit, p. 70)


The characteristics and properties of Encumbrance

In General Explanation Mortgage Law No. 4 1996 stated that as an institution security rights over the land are strong, Encumbrance should contain characteristics:

a. Droit de preferent, means giving the preferred position or precede the holder (Article 1 paragraph 1 and Article 20 paragraph 1).
In this case the holder of Encumbrance as a creditor obtained the right of precedence over other creditors to obtain payment from the sale of receivables (liquefaction) object that is tied to the credit guarantees the Mortgage. Position creditors have the right to precedence over other creditors (preferred creditor) will be very beneficial to the parties concerned in obtaining repayment (repayment) of loans given money to borrowers who break their promises (defaults).

b. Droit de suite, meaning that always follow the collateral in the hands of anyone object is located (Article 7).
In Article 7 UUHT mentioned that follow the object security rights remain in the hands of anyone object is located. This trait is one specific guarantees for the benefit of holders of Mortgage. Although the object of the Mortgage has changed hands and became owned by other parties, creditors can still use their right through execution, if the debtor default.

c. Fulfilling the principle of specialties and publicity so as to bind third parties and provide legal certainty to the parties concerned.
Under these conditions, the validity of the imposition of Encumbrance required shall be clearly stated where and in what amounts receivable are secured as well as objects which were used as collateral (terms specialties), and must be registered in the Land Office that is open to the public (terms of publicity).

d. Easy and sure execution of execution
 One characteristic of a strong Encumbrance is easy and certainly in the implementation of the execution if the debtor default. Although in general provisions regarding the execution has been set in the law of civil procedure, it is necessary to enter the particulars of execution Encumbrance in this Law, the governing body parate executie referred to in Article 224 HIR and Article 258 Civil Code for Regions outside Java and Madura. (M. Bahsan, op.cit, hal.23-25)

Encumbrance properties can not be divided unless otherwise agreed in the Deed Granting Mortgage (APHT), as defined in Article 2 UUHT. By their very nature can not be divided, the Mortgage will burden the whole object security rights. This implies that if debt (credit) that is secured by the Mortgage repayment newly settled partially, then Encumbrance still weighing on the entire object Encumbrance. (Subekti, op.cit, p. 41)

Clause "unless otherwise agreed in APHT" in Article 2 UUHT, imprinted with a view to accommodate the needs of the development of the banking sector, in particular lending activities. By using such clauses, nature can not be divided from Encumbrance can criss, namely to foretell that if Encumbrance imposed on some land rights, which guaranteed the loan repayment can be made by installments. The installment is equal to the value of their land rights, which is part of the object Encumbrance, which will be exempt from the Mortgage. Thus after an installment is paid, Encumbrance will only burden the rest of the object security rights to secure the rest of the unpaid (Explanation of Article 2 paragraph (1) in conjunction with paragraph (2) UUHT).

Other properties of the Mortgage is an accecoir security rights of the principal agreement, meaning that the agreement Encumbrance is not a stand-alone agreement, but its existence is due to the existence of another treaty called the principal agreement. Principal agreement for the agreement is an agreement Mortgage loans receivable secured debt that raises it. (Remi Syahdeini, 1996, Encumbrance: Principles, Basic Provisions and problems faced by Parties Banking, a Study Regarding UUHT, Airlangga University Press, Surabaya, p. 20) This is consistent with provisions in item 8 General Explanation UUHT which explains that because Encumbrance by its nature is a bond or accecoir at a certain receivables, which is based on a treaty or other agreement payable, the birth and existence is determined by the receivables are guaranteed repayment.


Objects Encumbrance

Against objects (land) that will be the object of Encumbrance, it must meet the following requirements.

Can be valued in money, because the secured debt in the form of money;
Including the rights that are listed in the general list, because it must meet the requirements of publicity;
Have the transferable nature, because if the debtor default, objects are used as collateral will be sold in public;
Needs to be designated by the Act as a right that can be loaded with Mortgage. (Boedi Harsono, 1999, the Indonesian Agrarian Law, History of the Establishment of the BAL, Content and Implementation, Djambatan, Jakarta, p. 40)

In this regard, Article 4 UUHT has defined land rights can be made the object of Encumbrance, which includes:
Hak, Broking, and leasehold referred to in the BAL (Article 4 paragraph (1) UUHT).
Right to Use Land State according to the applicable provisions shall be registered and transferable by their nature. Land use rights to the state, which, although required to be registered, but due to its nature can not be transferred, then the right of use is not included in the object Mortgage.
The right to land and buildings (both of which are above and below ground), plants and works that already exist or will exist, whice is a unity with the land, and which is the property holders of land rights. Imposition of Encumbrance on buildings, plants and the results of the work, and which is the property holders of land rights. Imposition of Encumbrance on buildings, plants and the work of the above should be stated explicitly in the APHT (Article 4 paragraph (4) UUHT). If buildings, plants, and works as mentioned above is not owned by the holder of land rights, the imposition of Encumbrance over these objects is simply done by signing as well (together) at APHT concerned by the owner or authorized by the owners of the objects is to sign as well (together) APHT an authentic deed. What is meant here is the authentic document Power of Attorney Imposing Mortgage (SKMHT) on the objects on the land burdened Mortgage (Article 4 paragraph (5) UUHT). (Subekti, op.cit, p. 45-46)

Mortgage object becomes wider in relation to Article 12 of Law No. 16 of 1985 on the Flats, as stated in Article 27 UUHT, which states that the provisions Encumbrance also apply to the imposition of security rights over the flats. Security rights over flats include:
Flats standing on the ground Properties, Broking, leasehold, Right to Use granted by the state; and
The ownership of the apartment units that the building stands on land rights mentioned above.


 Subject Encumbrance

Encumbrance subject in question in this case is the giver and Mortgage holders.

a. Giver Encumbrance
Mortgage giver is the person or legal entity that has the authority to take legal actions against the objects Mortgage. The authority must exist at the time giver Mortgage Mortgage registration (Article 8 UUHT).

UUHT of common explanation among others explained that at the time of manufacture and APHT SKMHT, must already exist confidence in the Notary or PPAT concerned that the giver Mortgage has the authority to take legal actions against the objects Mortgage charged. Although the certainty of its new authority is required at the time of granting the Mortgage registered.

b. Mortgage holders
Mortgage holder is the person or legal entity that serves as the indebted party (Article 9 UUHT). Because the Mortgage as an institution the right to land does not contain kewenagan to master the physical and the use of land which is used as the giver Encumbrance except in the circumstances mentioned in Article 11 (2) c, then the holder of security rights can be done by Indonesian citizens or Agency Indonesian law or foreign citizen or foreign legal entity.



Imposition process Encumbrance

In general, lending procedures to guarantee that the proposed candidate Mortgage debtors to creditors, which in this case is the bank that is through the following stages:

Prospective borrowers apply for credit and submit the necessary paperwork and have been determined by the bank in the credit application;
Prospective borrowers fill out a credit application form that has been provided by the bank. Once the form is filled out completely and correctly, the form is then handed back to the bank;
The bank then do the analysis and evaluation of credit on the basis of data contained in the credit application form. The purpose of this analysis is to ensure the correctness of data and information provided in the loan application. In addition, the results of the analysis and evaluation of credit is used as the basis for consideration of the acceptance or rejection of the loan application .;
If the results of the analysis and evaluation of prospective loan borrowers declared eligible by the bank to obtain credit, then later negotiation between the two parties, namely the banks and borrowers. This credit Negotiations among others, the maximum credit to be granted, credit purposes, the credit period, administrative costs, penalties, interest and so forth;
If there was an agreement between the two sides signing the credit agreement in the form of acknowledgment of debt with a binding guarantee, in this case a guarantee of Encumbrance, before PPAT and bank officials;
After binding assurance Mortgage and PPAT has provided information that the prospective borrower has met the stated requirements, then bank loans to prospective borrowers realize. (Thomas Suyanto, 1993, Basics Credit Law Third Edition, Gramedia Pustaka Utama, Jakarta, p. 32)

Mortgage binding assurances made in the credit agreement in question here is through the process of loading Encumbrance as specified in UUHT namely through two stages as follows:
Stage granting Mortgage conducted in the presence of PPAT;
Stage security rights registration is done at the District Land Office or a local town, which is when the birth of the Mortgage.


According to Article 1 point 4 UUHT mentioned that PPAT is a public official who is authorized to make the deed of transfer of land rights, land rights certificates loading, and loading empowering deed Mortgage. In general explanation of the number 7 also explained that in the position as stated in Article 1 number 4, then the deed made by PPAT an authentic deed.

a. Giving Phase Encumbrance
Accecoir according to the nature of Encumbrance, then loading Encumbrance preceded by agreements that give rise to legal relations which guaranteed repayment accounts payable, which is the principal agreement. It is mentioned in Article 10 paragraph (1) UUHT which states that the granting of Mortgage preceded by a promise to provide as collateral Mortgage repayment of certain debt, which is poured in and an integral part of a receivable debt agreements concerned.

Under the terms of Article 10 paragraph (2) UUHT Mortgage mandatory provision was attended by the grantor Mortgage, Mortgage holder and two witnesses, done by making APHT made by PPAT according to the rules applicable legislation. APHT made by PPAT is an authentic document (General Explanation UUHT figure 7).

Encumbrance of the object in the form of land rights derived from the conversion of the old rights that have been qualified to be registered but registration is not carried out, meaning that the land rights have not been certified, giving Encumbrance performed in conjunction with the application for registration of land rights are concerned. Old rights is meant here is that ownership rights over customary land which has been there but the administrative process in the conversion has not been completed in accordance with the legislation in force. (M. Bahsan, Op. Cit, p. 31)

Encumbrance of objects that consist of more than one parcel of land and some of which are located outside the area of work, for the manufacture of the relevant provision of APHT PPAT require permission from the Head Office of the National Land Agency (BPN) Province. Provided that the plots should be located within the working area of the Land Office District / Municipality (Article 3 (2) of the Regulation of the Minister of Agrarian No. 15 of 1961 and Article 3 of the decision of the Director General of Agrarian No. SK. 67 / DDA / 1968 ). (Bambang Setijoprodjo in the Institute of Legal Studies and Business Law Faculty USU Medan, 1996, Preparation Execution Environment Encumbrance on Banking (Results Seminar), Citra Aditya Bakti, Bandung, pp. 58-59)

Furthermore, the Act establishes the contents of which are obligatory for the validity APHT. Does not include them fully with the things that must be called in APHT. Hence resulting in the deed becomes null and void. In Article 11 paragraph (1) UUHT mentioned things that must be included in APHT, namely:
The name and identity of the giver and the holder Encumbrance;
Domicile of the parties referred to in paragraph 1, and if among them there were domiciled outside Indonesia, for him must also be included a domicile of choice in Indonesia. If a domicile of choice was not included in APHT the place of manufacture APHT PPAT office is regarded as the chosen domicile;
The clear assignment of debt or debts guaranteed repayment by the Mortgage and includes also the name and identity of the debtor concerned;
Value dependents;
A clear description of the object Encumbrance, which includes details of the Certificate of land rights are concerned, or for land that has not been registered at least contains a description of the ownership, location, boundaries, and land area.

In addition to the above, in APHT can be included promises that are optional and has no effect on the validity APHT (Article 11 (2) UUHT). In this case the parties are free to choose to mention or not mention the promises in APHT. In publishing these promises in APHT later in the list at the Land Office, it promises terdebut also have binding force on the third party. (Rachmadi Usman, Op. Cit, p. 110)

The promises mentioned in APHT as mentioned in Article 11 paragraph (2), among others:
Promise that limit the authority of the giver Encumbrance Encumbrance objects to lease and / or determine or change the lease term in advance, except with the prior written consent of the holder of Encumbrance;
Promise that limit the authority of the giver Encumbrance, except with the prior written consent of the holder of Encumbrance;
A promise which authorizes the holder Encumbrance is based on the determination of the Chairman of the District Court whose jurisdiction covers the object Encumbrance earnest if the debtor default;
A promise which authorizes the holder to save the object Encumbrance Encumbrance, if it is necessary for the execution or to prevent becoming abolishment or cancellation of rights that became the object Encumbrance because not met or violation of the provisions of the Act;
The promise that the holder of the first Mortgage has the right to sell on its own power objects Encumbrance if the debtor default;
The promise given by the holder of the first Mortgage Encumbrance that the object will not be cleared from the Mortgage;
Mortgage promise that the holder will not relinquish their rights to object Encumbrance without the prior written consent of the holder of Encumbrance;
Mortgage promise that the holder will acquire all or part of the compensation received for the repayment giver Mortgage Mortgage receivables when the object is released from its rights by giving Encumbrance or deprived the public interest;
Mortgage promise that the holder will acquire all or part of the insurance money received giver Encumbrance for repayment loans, if the object Encumbrance insured;
Mortgage promise that the holder will empty object at execution time Encumbrance Encumbrance;
The promise that the land title certificates that have been spiked with notes of loading Encumbrance remain in the hands of the creditor to the debtor fulfilled all the obligations as it should be.

There is the promise of being forbidden to do, namely the promise mentioned in Article 12 UUHT, which prohibited the granting of authority to the debtor agreed to have an object Encumbrance if the debtor default. The provision is held in order to protect the interests of debtors and other Encumbrance giver, especially if the object value Encumbrance exceed the secured debt. Therefore Mortgage holders are forbidden to necessarily be the owner of the object Encumbrance if borrowers default.

b. Registration Phase Encumbrance
According to Article 13 UUHT, pamberian Mortgage must be registered to the Land Office no later than 7 working days after signing APHT. PPAT obliged to send APHT concerned and other necessary files to the Land Office.

With delivery by means PPAT deed and other necessary files were submitted to the Land Office through its officers or sent by registered mail. PPAT required to use the best way and safely by taking into account the conditions in the area and the existing facilities, and always guided by the goal for the registration of Encumbrance it as soon as possible. Another file is referred to here is the evidence includes letters relating to the object of Encumbrance, and the identity of the parties concerned, including land rights certificates and / or letters of information about the object Encumbrance. PPAT shall implement these provisions because of his position. Sanctions for the infraction will be determined in the legislation governing the position PPAT. (Bambang Setijoprodjo the Institute for Business Law Faculty of Law USU Medan, op.cit, p. 69)

Mortgage registration performed by the Land Office on the basis of data in the APHT and registration documents received from the PPAT, the book made the ground Mortgage. The form and content of the book Mortgage land has been set based on the Regulation of the Minister of Agrarian No. 3, 1997. (J. Satrio, 1998, the Law of Guarantees, Rights Guarantees material, Encumbrance, Book 2, Citra Aditya Bakti, Bandung, p. 143) We make the land book, Encumbrance born and creditors as creditors holder Encumbrance , the preceding position of other creditors.

According to Article 13 paragraph (4) UUHT date of manufacture of the land book Encumbrance is the 7th day after receipt of complete documents required for registration Mortgage. If the 7th day falls on a holiday, the land book concerned given date next business day. Certainty date land book was intended for the manufacture of the land book Encumbrance not drag on so it can be detrimental to the parties concerned and reduce legal certainty.

In terms of land rights as collateral have not been certified before the registration of Mortgage. Time seventh day specified as the date book Encumbrance the ground in such a case, calculated from the completion of registration of land rights are concerned.

To give strength executorial same verdict that already has binding legal force, certificates Encumbrance given irah-irah to put on the cover the words "FOR THE SAKE OF JUSTICE UNDER THE ONE ALMIGHTY GOD" (Article 14 paragraph (2) and (3) UUHT ). With the inclusion of irah-irah on Encumbrance certificate, then it can be used for Parate Execution Institutions referred to in Article 224 and 258 Rbg HIR.

After Encumbrance certificate is completed, then the certificate is submitted to the Mortgage Mortgage holders concerned.


Execution Mortgage

One of the characteristics of the Mortgage is easy and certainly in the future implementation of the execution if the debtor defaults. Execution Mortgage which occurs when the debtor default so that objects Encumbrance then sold through a public auction in the manner specified in the legislation in force and the holder of Mortgage entitled to take all or part of the proceeds to the repayment of its receivables with the right precede rather than creditors other. (Habib Ajie, 2000, the Mortgage As Guarantee Institute of Land, Mandar Maju, Bandung, p. 22) According to Article 20 (1) UUHT, Mortgage executions carried out by:
Mortgage holders first rights to sell the objects Encumbrance on the basis of the authority and appointments referred to in Article 6 UUHT;
Executorial title contained in Encumbrance certificate referred to in Article 14 paragraph (2) UUHT.

UUHT under Article 6 states that if the debtors default, the holder of the first Mortgage has the right to sell the objects Encumbrance on its own power through public auction as well as taking repayment of its receivables from the sale proceeds. Sales Mortgage object can also be carried out under the above agreement as long as the hands of the giver and Mortgage holders.

Procedurally sale of goods is possible can be obtained the highest price that benefits all parties. This was done after the expiration of 1 (one) month from the notified in writing by the grantor or the holder Encumbrance to the parties concerned and published in two (2) newspapers circulating in the area concerned or local media, and no statement object (Article 22 paragraph (2) and (3) UUHT).

Execution Mortgage with executorial title can be done because according to Article 14 paragraph (2) UUHT, Encumbrance certificate as a sign or evidence any Encumbrance containing irah-irah which reads "FOR THE SAKE OF JUSTICE UNDER THE ONE ALMIGHTY GOD". With irah-irah the Encumbrance certificate has the power executorial same court decision that has had permanent legal force.

From the description above can be concluded that execution of the object Mortgage can be done through three (3) ways, namely:

a. Parate Execution (Article 14 paragraph (2) UUHT)
In this case the creditor Mortgage holders must show proof that the debtor broken promises to meet its obligations and to submit the relevant Encumbrance certificate as the basis. The petition was submitted to the Chairman of the Court. Execution then carried out on the basis of the order and with the leadership of the Chairman of the District Court, through a public auction conducted by the Office of State Auction.

Mortgage right


b. Public Auction (Article 6 UUHT)
Implementation of public tender based on Article 6 UUHT is easier than "Parate Execution", because in this auction is not required command Chairman of the Court to conduct the sale of objects Mortgage concerned. This auction can be done immediately because of its strength executorial contained in irah-irah Encumbrance Certificate, so that in this case the holder of Mortgage lenders can directly apply for the sale of objects Mortgage concerned to the Office of State Auction.

c. Sales in Down Hands (Article 6 UUHT)
In certain circumstances, if through a public auction is not expected to generate the highest price, then the agreement of the donor and the holder of Encumbrance, possible executions carried out by way of sale under the hands, if in this way it will be obtained the highest price that benefits all parties. Sales under the hand of the Mortgage object must be done in accordance with the provisions of Regulation No. 14 of 1997 on land registration, which must be done before PPAT makes aktanya and followed by registration at the Land Office.

Understanding Media by Experts Definition, Function, Modern and Traditional

Understanding Media According to the experts, Definitions, Functions, Modern and Traditional - Lexicon communications provide an understanding of the mass media as "conveying the message that relates directly to the general public such as the radio, television, and newspapers".

Definis Media - Said mass media came from the medium and the masses, the word "medium" comes from the Latin word which indicates the existence of various means or channels that are applied to communicate ideas, images, feelings, and that substantially all of the means of mental activity of man, the word "mass "derived from the Anglo-Saxon meaning an instrument or tool that is essentially directed to all who have the nature of the massif. His job is in accordance with the circulation of messages or news, presents a new type of communications in accordance with the fundamental needs of society today.

The mass media is a remarkable discovery technology, which allows people to conduct communication not only with the communicant that may never be seen but also generations to come. Thus, the mass media can overcome the barriers in the form of restrictions held by time, place and geographical conditions. Thereby enabling the use of mass media communication with the number of people more.

Each type of media has the properties typical therefore its use should also be taken into account in accordance with abilities and their particular features.

In terms of technological development in the field of delivery of information through the mass media, the mass media can be divided into two types:

a. Modern mass media
The definition of modern mass media is media that uses modern technology namely mass media print and electronic mass media. Print media is media that convey information must first be printed using printing equipment. The mass media such as newspapers, magazines, tabloids etc.

Electronic mass media are media that convey information using electrical services listrik.Tanpa the mass media will not be able to function for example, radio and television.

b. Traditional mass media
The media are used as a means of delivering information in earlier times, more use of traditional mass media for example puppets, comedy, lenong, traditional arts etc.


Mass Media Functions

The mass media independently or only as a support has the following functions;

a. As a conduit of information
Can be done alone by the media is impossible without media information can be conveyed accurately without time-bound.

b. As the decision-making
In this case the mass media act as a support for this function requires discussion groups that will make the decision in addition to the expected change in attitude of trust social norms. Therefore, in this case the mechanism of inter-personal communication plays an important role. Mass media plays a role in delivering information as a discussion, clarify issues and to convey messages of community leaders.

c. As educators
Most can be carried out by the mass media, while the other part is combined with interpersonal communication (Eduard D, 1978: 47). According Chalkley mass media serves to:
Reported about the facts of economic life of society,
Interpret these facts in order to be understood by the public,
Promoting it in order to realize how serious construction problems encountered and further thinking about these issues and deliver community on solutions that may be adopted.

According to Crawford role of mass media in development are not independent in nature but rather limited as a driver of development if other factors are adequately. This shows the communication alone is not a sufficient condition for development but the lack or failure of communication may hinder development. So communication alone will not produce optimal development (Department of Education, 1997: 4)

In addition to having the functions of the mass media can also do other things that can play a role in serving the development tasks include:

1. The mass media can expand the horizons of thought
Many people who live in traditional societies considered as if the media has magical powers when first introduced to the mass media. An African leaders say that the media has supernatural powers, because the media is able to bring a person to the top of a high hill without crossing the horizon. Media have supernatural powers because of its ability to make people see and know the places that had never seen and about the people who had never met. Thus the media is able to bring together a great distance and clarify things that blur and bridge the transition between traditional society towards the modern society.

2. The mass media can focus an perhati
In modern society, our picture of a remote environment, we get from the media. Traditional societies are moving towards modernization also began to rely on the knowledge of the mass media. As a result, thinking about what is important, dangerous, interesting and so is generally derived from the mass media. Newspapers, radio and TV to act as watchdogs in various places have to decide what is appropriate for broadcast.

3. The mass media is able to raise aspirations.
The mass media is able to foster aspiration as stated by Daniel Lerner when Cairo radio to reach remote villages through personal aspirations grown almost the whole idea can be realized because of support from the community.

A new policy will require correspondence between what people want with what they earn. Without aspiration increased without inducing people to work for a better life will work hard to realize development.

4. The mass media are able to create an atmosphere to build
We can conclude that through the role of the media to spread outside the classroom as an educational tool. In places where schools and teachers are scarce in number, the media has proven its ability to bear most of the tasks of education, especially in the field of education of adults and literacy. The mass media is a communication tool that can serve to motivate the need for community participation in development. Hence the delivery of information, ideas, innovations and opinion, mass media try to give motivation to communicant so that the changes themselves. For the mass media should pay attention to the following;

Message or invitation submitted must be able to generate a certain feeling in the community;
Message or invitation that should contain symbols or signs of communication in accordance with perception, absorptive capacity and power value of most people especially the targeted segments of society;
Message or invitation that evoke specific needs and desires of the target and then suggest an attempt to fulfill the expectations of society;
The message gave hope communicant.

Thus the message delivered to the communicant to provide motivation to participate or to change themselves.

In relation in particular to the environment, based on papers Koesnadi Hardjasoemantri entitled "The Role of Environmental Law in order Future of Indonesia", the mass media is one of the environmental advocates in raising public environmental awareness. The role of the mass media itself is as a means of socialization of legislation that related to the environment with the aim that people understand their rights and obligations Forms of socialization is the holding section periodically for print media, for example, every month, on environmental regulations, as well as media elektronikanya, including radio, through regular events, such as every month, on environmental regulations life.


Mass Media in Development

The role of mass media in national development is as a reformer agent (agent of social change) or helping to introduce social change. In this case the mass media can be used to stimulate the process of decision making, introduce modernization efforts and help speed up the transition process of traditional society into a modern society and deliver on community development programs nationwide.

The process of change can run slowly or quickly as ditujukkan by history. Contacts between different cultures give rise to changes in habits and confidence gradually. Changes can also occur rapidly when the nation conquerors imposing their cultural patterns on the defeated nation.

The type of change desired by the majority of nations is more rapid change than the change history, softer than processes are carried out coercion. Construction is expected implemented voluntary and individuals can take part in it and received information about the construction evenly. Attitude force in development is replaced by attitudes persuade and give an opportunity to the participation of every member of society in addition to enhanced information flow. There is a 3-dimensional effect of mass communication, namely:
Cognitive include awareness of additional learning and knowledge
Affective associated with emotions, feelings and atitud (attitude)
Connotative related to the behavior and intentions to do things in a certain way.


Although the dimensions of the effects in contact with each other they also get each other they occur in a variety of sequences and changes in one dimension does not need to be followed by changes in other dimensions as the form of increased knowledge about an issue is not always followed by a change (Amri Jahi 1988: 17)

Basically a simple mechanism of a change in its nature. First, people must be made aware of the significance of a change that can not be realized by relying on habits and attitudes now. Second, it must be supported by a change in attitudes in close proximity to the business needs. Every nation that wants to improve the development process of the entire community must be aware of the importance of development and provide opportunities for them to meet their needs in the sphere of development. Besides facilitating the decision making process and help people get to know new habits seamlessly so they quickly feel the results.

Indeed, we must admit that in the New Order era, the role of mass media is very big but still have weaknesses in supporting the implementation of nation and state, namely;
Understanding Media

Infrastructure and facilities that used the mass media would be meaningless if the intended audience can not receive the messages conveyed by the development because of the limited range of media and mass media ownership limitations.
The diversity of languages used as medium of instruction in a region. This is an obstacle in the effort to reach more people who can receive useful information in the development effort.
Communities that receive the information are very diverse levels of education and atitudnya so. message development should be delivered by the mass media is formed in such a way that it becomes easy to understand that it may cause atitud and behavioral changes,

Thus in principle we can deduce the mass communication media role in development, namely; The mass media stimulate decision-making process.
The mass media can introduce modernization efforts with the aim of changing habits, attitudes, mindset ugly to be good.
The mass media as a means of delivering on community development programs nationwide (Eduard D, 1978).