Junior Scientific Researcher

16-23

Authors: Salmiah 1 , Thomson Sebayang; Muhammad Khaliqi; Iskandar Muda

This research was conducted in Sempa Jaya Village, Berastagi Sub-district, Karo Regency, Indonesia. The research location is determined purposively based on the consideration that this village is horticulture production center and there is Credit Union (CU) Merdeka which give farm loan/credit to farmer. This research is aimed to analyze farmer preference to credit itself, by analyzing the most important credit attribute according to farmers. Through analysis of farmer preferences will be known level of farmer selection to credit based on credit attribute like service, supporting facility, requirement, time period, interest system and collateral. By knowing farmer preference to combination of credit attribute, credit institution can form credit system as expected by farmer, so that its utilization can be more effective and efficient. At the end of the targeted study, a new form of policy from government and credit institutions regarding the granting of credit towards farmer will be created, which will prevent the farmer to rent a credit to informal institution and individual.

41-52

Authors: Biljana Gramatkovski; Marija Ristevska; Jasminka Kochoska; Dance Sivakova-Neshkovski;

The human being has the inherent ability to acquire and use the speech, but only as an opportunity, being a predisposition. Social dialogue and development of intellectual and other abilities are also needed for the development of speech. The process of adoption of speech is not the result of shaping the environment of the child, but it is a process of creative creation. Children's speech is not a changed form of the speech of the grown-ups, but a special system based on predictable stadia, which is more likely to approach the speech of the grown-ups. Since speech is a very subjective indicator of the emotional, intellectual and social development of the child, the findings of the speech status and the functions of the speech by the educator are also significant in relation to the other components of the child's personality. Based on the results of the examination of the children’s language development, as well as the improvement of their language through the texts, various programs can be created for individual activities that will stimulate the development of the language and the speech as well as the wider emotional and intellectual development of the child.