Financial Inclusion: Study from Indonesia

2015 ◽  
Vol 21 (4) ◽  
pp. 1039-1043
Author(s):  
Yen Sun

The purpose of the study is to evaluate the implementation of financial inclusion in Indonesia. Data consists of Micro Enterprises (MEs) with revenue less than 300 million per year. The research method used is a qualitative method with data collection through literature review, surveys, and interviews. Results show that the urgent needs of MEs is credit facility, but only 39% MEs has experienced credit facility from banks. Further, age and length of business are demographic characteristics that can explain financial inclusion. The most barriers in implementing financial inclusion in Indonesia are the complex requirement from banks.

2020 ◽  
Vol 1 (1) ◽  
Author(s):  
Nunu Nugraha Purnawan

The lecturer's performance assessment by students in the form of an online Lecturer Performance Assessment Instrument Questionnaire (KIPKD) is in line with the work concepts of Green Computing by utilizing computer hardware and software better, more efficiently and more useful. KIPKD online POLSUB uses Google Forms, because it has an attractive and responsive look, provides a fairly complete choice of stuffing model, free, the results are neatly arranged and can be analyzed easily. This research method uses literature review in the form of books, journals that discuss about topics related to the use of Google Forms as a medium in the manufacture of questionnaires for surveys and data collection, as well as related to the concept of Green Computing. While data collection methods used in field research by way of observation of the system running in the academic POLSUB. The use of KIPKD online illustrates that POLSUB participates in preserving the environment, with no 12 paper/year rims, equivalent to 12 tree trunks.


PALAPA ◽  
2021 ◽  
Vol 9 (2) ◽  
pp. 199-209
Author(s):  
Nurhayati Mardhatilla ◽  
Ramdhan Witarsa ◽  
Nurhaswinda Nurhaswinda

This study aims to determine and described the learning creativity of elementary school students using the number head together learning model. This research method is a literature review research method. The stages of this literature review are data collection, data reduction, data display, discussion, and conclusions. The results showed that from 17 articles published from 2010-2020 about the number head together learning model and learning creativity of elementary school students, there were 2 articles that matched these variables. The number head together learning model can increase the learning creativity of elementary school students. The novelty of this research is the connection between one article and another that discusses the same topic. The impact of the results of this study is the increasing number of literature review studies to reinforce existing theories.


2021 ◽  
Vol 6 (2) ◽  
Author(s):  
Osvaldo Victor Alfonso ◽  
Agung Yudhistira Nugroho

AbstrakPenelitian ini menggambarkan tentang berbagai latar belakang pengambilan keputusan Putin atas isu Krimea yang melihat dasar-dasar pengambilan keputusan seperti intuisi, pengalaman, fakta, wewenang, dan rasionalitas yang memengaruhi Putin dalam melakukan aksi aneksasi Krimea tersebut. Dalam penulisan skripsi ini, sang penulis menggunakan kerangka teori Pengambilan Keputusan (Decision Making) yang merupakan topik utama sekaligus pisau analisa dalam penelitian ini. Metode penelitian yang digunakan oleh sang penulis dalam penyusunan skripsi ini adalah metode kualitatif. Adapun teknik pengumpulan data yang digunakan oleh sang penulis dalam memperoleh data adalah melalui wawancara dan studi pustaka yang menelaah sejumlah buku, jurnal, artikel ilmiah, dan media elektronik. Hasil penelitian menunjukkan bahwa latar belakang pengambilan keputusan Vladimir Putin adalah berdasarkan pilihan rasional dengan melihat pertimbangan materil seperti memberi keuntungan di sektor keamanan, ekonomi, politik, memberikan peluang Rusia menjadi negara adidaya, dan pengamanan jalur pipa gas Rusia di Ukraina dan Krimea. Yang menarik dari tindakan yang diinisiasi oleh Putin itu adalah aksi tersebut dalam merebut suatu wilayah tanpa pencurahan darah. Ini adalah hal yang menarik bagi sang penulis karena bagaimana mungkin suatu intervensi militer di suatu wilayah tidak terjadi penyerangan dari pihak luar ke dalam suatu wilayah, dalam hal ini adalah aksi Rusia kepada Krimea. Politik keamanan, politik identitas, dan politik ekonomi mewarnai Putin dalam pengambilan keputusannya atas isu Krimea tersebut.Kata Kunci: Vladimir Putin, Pengambilan Keputusan, Pilihan                          Rasional, Rusia, Krimea, Ukraina.Abstract This research describes the various backgrounds of Putin's decision making on the Crimean issue which looks at the basics of decision making such as intuition, experience, facts, authority and rationality that influenced Putin in carrying out the Crimean annexation. In writing this thesis, the writer uses the theoretical framework of Decision Making which is the main topic as well as the analysis knife in this research. The research method used by the author in the preparation of this thesis is a qualitative method. The data collection techniques used by the author in obtaining data are through interviews and literature studies that examine a number of books, journals, scientific articles, and electronic media. The results show that the background of Vladimir Putin's decision making is based on rational choices by looking at material considerations such as providing benefits in the security, economic, political sectors, giving Russia the opportunity to become a superpower, and securing Russian gas pipelines in Ukraine and Crimea. What's interesting about the action initiated by Putin is that it seizes an area without shedding blood. This is an interesting matter for the author because how could a military intervention in a region not occur from outside attacks into an area, in this case Russia's action against Crimea. Security politics, identity politics and economic politics colored Putin in his decision making on the Crimean issue. Keywords:  Vladimir Putin, Decision Making, Rational Choice,                          Rusia, Crimea, Ukraine.


Author(s):  
Muhammad Syafril Nasution ◽  
Ramadhan Razali

This research discusses the concept of zakat in Abu Ubaid's Kitab Al-Amwal. The purpose of this study is to analyze the existence of social justice in zakat. The research method that I use is a qualitative method with a literature review method. The result of this research is that zakat according to Abu Ubaid has esoteric values of social justice. Zakat instruments can alleviate poverty and stabilize state finances. To create social justice, the zakat instrument provides space for those in need. The space is not only a treasure. But also capital that can be used to start a business. In addition, in order to optimize zakat, the government must take part in maximizing the potential of zakat.


Tunas Agraria ◽  
2020 ◽  
Vol 3 (2) ◽  
pp. 1-19
Author(s):  
Rizka Fakhrizatullah ◽  
Rochmat Martanto ◽  
Yendi Sufyandi

Abstract: Pangandaran is a district with a coastline of 91 Km, so this district has the potential for coastal tourism that needs to be developed. As a new regency of regional autonomy, demands to carry out construction of facilities and infrastructure to support tourism need to be increased. This study aims to determine the distribution of facilities and infrastructure that need to be developed and to know the factors that influence the determination of the construction of facilities and infrastructure. This research uses qualitative method, data collection is done through literature review and interviews. The results of the study indicate that the factors affecting the distribution of infrastructure include land use, population density, tourism objects, land slope and disaster vulnerability. The analysis shows that the distribution of villages suitable for the development of infrastructure includes the villages of Wonoharjo, Babadan, Pananjang and Pangandaran Village.Keyword: tourism, facilities and infrastructure, thematic maps. Intisari: Pangandaran merupakan kabupaten dengan garis pantai sepanjang 91 Km, sehingga kabupaten ini memiliki potensi pariwisata pantai yang perlu dikembangkan. Sebagai Kabupaten yang baru melakukan otonomi daerah, tuntutan untuk melaksanakan pembangunan sarana dan prasarana guna mendukung pariwisata perlu ditingkatkan. Kajian ini bertujuan untuk untuk mengetahui sebaran sarana dan prasarana yang perlu dikembangkan serta mengetahui faktor-faktor yang mempengaruhi penentuan pembangunan sarana dan prasarana. Penelitian ini menggunakan metode kualitatif, pengumpulan data dilakukan melalui kajian pustaka dan wawancara. Hasil kajian menunjukkan bahwa faktor-faktor yang mempengaruhi sebaran sarana prasarana meliputi penggunaan lahan, kepadatan penduduk, obyek wisata, kemiringan lahan dan kerawanan bencana. Dari hasil analisis menunjukkan bahwa sebaran desa yang sesuai untuk pengembangan sarana prasarana meliputi Desa Wonoharjo, Babadan, Pananjang dan Desa Pangandaran.Kata kunci: pariwisata, sarana dan prasarana, peta tematik.


Author(s):  
Lusiana Rahmatiani

ABSTRACT Character education is one of the focus of educational goals in Indonesia. The importance of character education because of the declining ethics, morale of learners and the increasing popularity of student delinquency, such as brawl and drug addicts. Implementation of character education is very important to evaluate how the process and results. The research was conducted at SMPN 1 Cilamaya Wetan. The purpose of this study describes the implementation of lisa program, libra, patujar applied in SMPN 1 Cilamaya Wetan. Knowing the value of characters generated in the program lisa, libra, patujar applied in SMPN 1 Cilamaya Wetan. The research method used is qualitative method with data collection technique, observation, interview and documentation. Suggestion of research result that is importance of socialization about character education to learners, teachers and society to support the embodiment of school program libra libra patujar. Schools should involve parents and community as partners in the coaching and habituation of student characters. Keywords: Character Education, Character Value, Lisa, Libra Patujar ABSTRAK Pendidikan karakter merupakan salah satu fokus tujuan pendidikan di Indonesia. Pentingnya pendidikan karakter karena semakin menurunnya etika, moral peserta didik dan semakin maraknya kenakalan pelajar, seperti tawuran dan pecandu narkoba. Implementasi pendidikan karakter sangat penting untuk dievaluasi bagaimana proses dan hasilnya. Penelitian dilakukan di SMPN 1 Cilamaya Wetan. Tujuan penelitian ini mendeskripsikan implementasi program lisa, libra, patujar yang diterapkan di SMPN 1 Cilamaya Wetan. Mengetahui nilai karakter yang dihasilkan dalam program lisa, libra, patujar yang diterapkan di SMPN 1 Cilamaya Wetan. Metode penelitian yang dipergunakan adalah metode kualitatif dengan teknik pengumpulan data, observasi, wawancara dan dokumentasi. Saran hasil penelitian yaitu pentingnya sosialisasi mengenai pendidikan karakter kepada peserta didik, guru dan masyarakat untuk menunjang keterwujudan program sekolah lisa libra patujar. Sekolah harus melibatkan orang tua dan masyarakat sebagai partner dalam pembinaan dan pembiasaan karakter siswa. Kata Kunci : Pendidikan Karakter, Nilai Karakter, Lisa, Libra Patujar


2021 ◽  
Vol 16 (2) ◽  
pp. 105-116
Author(s):  
Harmanto Harmanto ◽  
Suyoto Suyoto ◽  
Jody Diamond

This study aimed to reveal the concept of Tumbuk in Javanese gamelan tuning, namely gamêlan agêng with Sléndro and Pélog. This study used a qualitative method with an ethical emic perspective. The data collection was done by conducting literature review, observation, interviews, and studio work, then processed with data analysis. The data analysis then was followed up through data interaction by interpreting the relationship reactions of the three elements of analysis consisting of data collection, data reduction, and data presentation. The interpretation of the data was done inductively, so that the conclusion was drawn entirely from the development of the data according to the realities of the field. The results showed that tumbuk was not only limited to a note that has the same high and low, but it is a musical concept that integrates the Sléndro and Pélog scales in the tuning of a set of gamelans. There are basically only two types of tumbuk: nêm tumbuk and lima tumbuk. Other than those, it means that they are the strut. The thing is,tumbuk has a central tone that serves as a benchmark and a supporting tone whose position strengthens the integration of each type of tumbuk. As a concept, it was found that tumbuk plays several important roles including equalizing the highs and lows of certain notes, equalizing the range of certain notes, and conditioning the range of notes or the addition of the tune.


Author(s):  
Lalu Ratmaja ◽  
Anas Pattaray

Kembang Kuning tourism village is a tourism village in East Lombok Regency with an advantage at the foot of Mount Rinjani in the south and has local potential that can be an attraction for tourists. The existence of this tourist village is an opportunity for residents to provide homestay for tourists. In addition to being an accommodation offered, homestay is also a business opportunity for residents. The homestay business for the community is used as additional livelihood after agriculture, for that it needs in-depth research to find out more about the condition of the homestay in the Kembang Kuning Tourism Village. Therefore, this study aims to analyze homestay businesses in the Kembang Kuning Tourism Village seen from 3 (three main components of this business program, namely institutions, actors and products. The research method used in this study is a qualitative method with data collection methods in the form of interviews The results of this study illustrate the homestay business program seen from the local institutions shown by the existence of a local organization that regulates tourism activities, Pokdarwis Lingko` Cave, which supervises homestay business actors who are self-supporting communities in the Kembang Kuning Tourism Village. This homestay produces products offered as attractions that are the reason for tourists to come in the form of homestays and activities that become tourist attractions.The results of this analysis form the basis for preparing recommendations for homestay businesses viewed from the three components.Keywords: Tourism, Kembang Kuning Tourism Village, Homestay Business


2021 ◽  
Vol 4 (1) ◽  
pp. 1-8
Author(s):  
Neneng Siti Maryam

Abstract - Early March 2020, the corona virus began to spread in Indonesia. To suppress the wider spread of the virus, the government made policies regarding social restrictions. This has resulted in many schools and colleges, offices and companies, and other public places, deciding whether employees or their students should work or study from home. This study aims to examine the effectiveness of online learning during the Corona virus pandemic in Bandung Kridatama Polytechnic students. The research method used is descriptive qualitative method, and data collection techniques are carried out through observation, interviews and documentation. While the analysis of data acquisition was carried out by collecting data, reducing data, and drawing conclusions. The results of the study revealed that online learning carried out during the Corona virus pandemic was ineffective because obstacles were still found that interfered with the learning process, including the absence of two-way communication between students and lecturers, Besides other obstacles, namely students who do not have enough quotas to take part in online learning, or lecturers who do not understand technology so that learning is not carried out using online learning applications but through Whatsapp groups. Keywords: learning, online learning, pandemic, Corona virus Abstrak – Awal bulan Maret tahun 2020, virus corona mulai menyebar di Indonesia. Untuk menekan penyebaran virus yang lebih luas lagi, pemerintah membuat kebijakan mengenai pembatasan sosial.  Hal tersebut mengakibatkan banyak sekolah dan kampus, kantor dan perusahaan,  serta tempat-tempat publik lainnya, memutuskan  para karyawan atau anak didiknya untuk bekerja atau belajar dari rumah. Penelitian ini bertujuan untuk mengkaji efektivitas pembelajaran online di masa pandemi virus Corona pada mahasiswa Politeknik Kridatama Bandung. Metode penelitian yang digunakan adalah metode deskriptif kualitatif, dan teknik pengumpulan data dilakukan melalui observasi, wawancara dan dokumentasi. Sedangkan analisis perolehan data dilakukan dengan pengumpulan data, reduksi data, dan penarikan kesimpulan. Hasil dari penelitian mengungkapkan bahwa pembelajaran online yang dilaksanakan selama masa pandemi virus Corona kurang efektif karena masih ditemukan hambatan yang mengganggu proses pembelajaran diantara-Nya tidak terjalinnya komunikasi dua arah antara mahasiswa dan dosen, disamping hambatan-hambatan lainnya yaitu mahasiswa yang tidak memiliki cukup kuota untuk mengikuti pembelajaran online, atau dosen yang kurang memahami teknologi sehingga pembelajaran tidak dilakukan dengan menggunakan aplikasi pembelajaran online tetapi melalui grup Whatsapp. Kata Kunci: pembelajaran, pembelajaran online, pandemik, virus Corona


2018 ◽  
Vol 6 (2) ◽  
pp. 149-170
Author(s):  
Arihun Rahmatin

ABSTRACT The purpose of this study was to analyze the Discipline of Civil Servants policy in improving performance at the Utan Sub-District Office, Sumbawa Regency, West Nusa Tenggara Province. The research method used is a qualitative method, with a qualitative approach. Data obtained through data collection techniques: interviews and documentation. The results of this study indicate that the implementation of the disciplinary policy of Civil Servants in the Utan Sub-District Office, Sumbawa Regency basically has not run effectively. This is due to a lack of awareness to be able to work with discipline. Keywords: implementation, civil discipline policy, employee performance


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