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                <text>The diversity of the culture in the world is a given thing.  Billions of people fro different countries in the world have produced varieties of civilizations, ways of life, lifestyle, custom, heritage, habits, values, and traditions. It is hypothesized understanding the culture of different people can be valuable to the student’s character building. The comprehension of multicultural can be modality to be more aware of cultural dissimilarities. They can respect any variance of people whose backgrounds, minds, opinion and may behave in ways that are not the same.&#13;
Besides, the possession of rich knowledge of diverse cultures can bridge them to&#13;
take interpersonal communication in friendly ways. Nonfiction kinds of literature, science books as well as historical books are not the only sources to study&#13;
multicultural. Doing literature reading comprehension is another method to open the horizon of the existing variability of culture.   The paper presents descriptively&#13;
the teaching experience of how the students of the University in Tulungagung,&#13;
Indonesia got to practice learning the culture of people in different areas of the&#13;
world through extensive reading. The teaching materials cope with the introduction of the theory of literature, how are the cultures told by the author, and why is it important to comprehend literature? How multicultural literacy has inspired the students 'live performance. The teaching goal aims to let the students learn something good or positive about the culture of people of others delivered by the writers of poems, novels, and drama. The broader insights of life experiences, religion, beliefs, and customs of other people can bridge the friendship of ethnicity, race, and social status across the world. Being not a closed mind human beings can appreciate or respect others, avoid underestimating, bullying, any violence, and being the right, the best, and the richest person. </text>
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                <text>Internal control is a method used by managers/company leaders in running the company to&#13;
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minimize arrears in credit payments from customers. Early detection of bad loans is mandatory so as not to&#13;
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literature studies from various journals on the topic of the internal control system for providing credit to&#13;
banks that have been collected previously. The purpose of this article is to determine the internal control&#13;
system in an effort to prevent bad loans at banks. The results obtained are that it is known that the internal&#13;
control system for providing credit at national banks such as BRI and others has been implemented properly&#13;
in accordance with the guidelines and standards/procedures for lending issued by Bank Indonesia, the&#13;
internal control system for providing credit at Rural Banks (BPR) which have limited personnel and/or&#13;
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                <text>The existence of hundreds of countries with billions of people absolutely has emerged&#13;
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people in different areas of the world delivered by means of studying the literary works.&#13;
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build the unity within the diversity.  Being not closed mind, they can appreciate or&#13;
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                <text>Supervision of the quality of raw materials is needed so that the production of an item can run as specified. PT. Setia Kawan Makmur Sejahtera is a company that manufactures HVS paper. Before raw materials enter the production process, quality control of raw materials is carried out so that the population process does not experience many obstacles. The purpose of this study is to determine whether the supervision of the quality of raw materials can support smooth production. The variables in this study include the independent variable. In this case, the independent variable is Quality Control of Raw Materials. At the same time, the dependent variable is Smooth Production. To test the independent and dependent variables, the writer uses analysis by testing the production process system that has been applied so far and other analysis tools, namely EOQ and TIC. EOQ is the number of orders that can minimize the total cost of inventory and optimal purchasing. While the TIC is to find out how much the total inventory consists of the cost of purchasing raw materials, storage costs, and ordering costs. The results of research conducted from 2019-2021 showed the company has appropriately implemented a quality control system for raw materials by controlling the quality of raw materials to be produced so that production can run smoothly. This can be seen in production results, which continually increase from 2019 to 2021. The analysis results for 3 (three) years using EOQ obtained the results of what should be optimal raw purchases in one message with a frequency of heating that is relatively stable and production that runs smoothly. In calculating the Total Inventory Cost of Raw Materials (TIC) according to EOQ and calculated by the company  it is obtained that the calculation according to EOQ, inventory costs incurred will be lower than the calculation of total inventory costs by the company</text>
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                <text>This study aims to determine the health status of Kopuwan Mekar Kenanga in the fiscal year 2019-2021 based on Decree No. 14/Per/M of the Minister for Cooperatives and SMEs, Republic of Indonesia. His KUKM on Guidelines for Assessing the Health of Savings and Loan Cooperatives and Savings and Loan Cooperatives arising from aspects of Capital, Quality of Produced Assets, Management, Liquidity, Efficiency, Independence and Growth, and Cooperative Identity /XII/2009. The research method used is quantitative research and uses descriptive data analysis. As a result of the analysis, the health level of Kopwan Mekar Kenanga indicates that the health level in 2019 and 2020 is a fairly healthy predicate, and the low score in 2020 indicates that the condition is fluctuating from 2019 to 2021. is showing. However, in 2021, Kopwan Mekar Kenanga earned the title of health as his health level increased along with the significant increase in his score.</text>
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&#13;
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