ECONOMIC PRAGMATISM OF YOGYAKARTA MUSLIM COMMUNITY IN SELECTING BANKING INSTITUTIONS

This research discusses the motives of the Muslim community in choosing banking institutions by using the analysis of pragmatism theory. This research is qualitative research using a phenomenology approach. Data collection that is used in this research is the interview, observation, and documentation. The result of the study indicated that the Muslim’s customer of Yogyakarta tend to be pragmatic due to the character of society which has more accommodating and flexible philosophy of life (tolerance). This pragmatic attitude was influenced by the internal factors (cognitive limitations) and external factors (reputation and service of Conventional Banks). Furthermore, adopting from the theory of Schutz’s motives that the motives reason (because of motive) of Yogyakarta's Moslem customers in choosing to the bank are their inconsistency in choosing is influenced by economic and service motives that are stronger than religious motives. As for their destination motive (in order to motive) namely fulfilling their needs.

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Pergeseran Nilai Tradisi Wiwitan di Desa Mangunan Kecamatan Dlingo Kabupaten Bantul Yogyakarta Tahun 2010-2019

KARMAWIBANGGA: Historical Studies Journal ◽

10.31316/fkip.v2i2.976 ◽

2021 ◽

Vol 2 (2) ◽

pp. 51-57

Author(s):

Yenny Ristiantie

Keyword(s):

Qualitative Research ◽

Data Analysis ◽

Data Collection ◽

Data Reduction ◽

External Factors ◽

Religion And Spirituality ◽

Internal Factors ◽

Data Presentation ◽

Analysis Technique ◽

Collection Data

This study aims to provide information about the history, processions and shifting values that occur in the Wiwitan Tradition in Mangunan, Dlingo, Bnatul, Yogyakarta and the factors behind it. This study used qualitative research methods. Data collection techniques with observation, interviews and documentation. The data analysis technique used was data collection, data reduction, data presentation and conclusion drawing. The results of this research is that the history Wiwitan Tradition which going on for hundreds of years. The stages in the Wiwitan Tradition are the stages of preparation and implementation. The form of a shift in the value of the Wiwitan Tradition is in the form of shift in value in terms of economy, social, tourism, religion and spirituality. The shift in value that occurs is caused by external factors and internal factors.

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ANALISA SOLUSI PENEKANAN TINGKAT NON PERFORMING FINANCING (NPF) PADA PEMBIAYAAN MURABAHAH (STUDI KASUS PADA BPRS RAHMANIA DANA SEJAHTERA BIREUEN)

Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) ◽

10.52490/jeskape.v4i2.801 ◽

2020 ◽

Vol 4 (2) ◽

pp. 299-308

Author(s):

Iskandar Iskandar ◽

Rahmawati Rahmawati ◽

Nurul Fahmi

Keyword(s):

Qualitative Research ◽

Data Collection ◽

Natural Disasters ◽

Feasibility Study ◽

External Factors ◽

Family Factors ◽

Internal Factors ◽

Government Regulations ◽

New Employees ◽

Descriptive Approach

Abstract The research objectives are: 1) To find out the factors that cause Non Performing Financing in murabaha financing at BPRS Rahmania Dana Sejahtera in Bireuen City. 2) To find out the Solution for Emphasis on Non-Performing Financing (NPF) Level on Murabaha Financing at BPRS Rahmania Dana Sejahtera in Bireuen City. The type of research the author uses here is a type of qualitative research with a descriptive approach, as well as data collection techniques using observation and interviews. Based on the results of the study, it can be concluded that: 1) Factors That Cause Non-Performing Financing are internal factors that arise from the bank with limited employee owned and new employees, while the internal factors of the customer, namely bankruptcy, incompetent in business, the filing of a business or collateral is not his, customers who use open funds in planning, as well as customers who are not responsible because of personal family factors. While external factors result from natural disasters, government regulations and conditions that are not in accordance with the plan. 2) Emphasis Solutions is carried out by applying a financing analysis consisting of a guarantee approach, character, repayment capability, feasibility study, and an approach to bank functions. Coupled with the application of the financing analysis principle of 5C (carater, capacity, capital, collateral, and condition of economy. Keywords: Non-Performing Financing, Murabahah Financing, Emphasis Solutions Abstrak Tujuan penelitian ini adalah: 1) Untuk mengetahui faktor-faktor penyebab Non Performing Financing pembiayaan murabahah pada BPRS Rahmania Dana Sejahtera Kota Bireuen. 2) Untuk mengetahui Solusi Tingkat Penekanan pada Non Performing Financing (NPF) pada Pembiayaan Murabahah pada BPRS Rahmania Dana Sejahtera Kota Bireuen. Jenis penelitian yang penulis gunakan disini adalah jenis penelitian kualitatif dengan pendekatan deskriptif, serta teknik pengumpulan datanya menggunakan observasi dan wawancara. Berdasarkan hasil penelitian dapat disimpulkan bahwa: 1) Faktor Penyebab Non Performing Financing adalah faktor internal yang muncul dari bank dengan terbatasnya pegawai yang dimiliki dan pegawai baru, sedangkan faktor internal nasabah yaitu kebangkrutan, tidak cakap dalam berbisnis, pengajuan usaha atau agunan bukan miliknya, nasabah yang menggunakan dana terbuka dalam perencanaan, maupun nasabah yang tidak bertanggung jawab karena faktor pribadi keluarga. Sedangkan faktor eksternal disebabkan oleh bencana alam, regulasi dan kondisi pemerintah yang tidak sesuai dengan rencana. 2) Solusi penekanan dilakukan dengan menerapkan analisis pembiayaan yang terdiri dari pendekatan penjaminan, karakter, kemampuan pembayaran kembali, studi kelayakan, dan pendekatan fungsi bank. Ditambah dengan penerapan prinsip analisa pembiayaan 5C (carater, capacity, capital, collateral, dan kondisi perekonomian. Kata kunci: Non Performing Financing, Pembiayaan Murabahah, Solusi Penekanan.

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Faktor Penyebab Kurangnya Minat Siswi SMP 08 Sawahunto Terhadap Olahraga Wushu

Jurnal Performa Olahraga ◽

10.24036/jpo145019 ◽

2021 ◽

Vol 6 (1) ◽

pp. 53-59

Author(s):

Nurmalina Nurmalina ◽

Hermanzoni Hermanzoni

Keyword(s):

Qualitative Research ◽

Data Collection ◽

Random Sampling ◽

Female Students ◽

External Factors ◽

Descriptive Data ◽

Internal Factors ◽

Spoken Words ◽

Two Factors ◽

Observed Behavior

The problem in this research is the interest of SMP 08 Kota Sawahlunto students in Wushu. The purpose of this study was to determine the causes of SMP 08 Kota Sawahlunto students to be less interested in Wushu. This study uses qualitative research with descriptive methods. This research produces descriptive data in the form of written or spoken words from people and observed behavior. The data collection techniques used were observation, interviews and documentation. This research was conducted from July to August 2020 at SMP 08 Sawahlunto City, Lumindai village, district. Barangin. The population in this study were 76 of all female students of SMP 08 Kota Sawahlunto. Sampling using proportional random sampling amounted to 15 students of SMP 08 Kota Sawahlunto. Based on the results of the research, the causes of the lack of asking students for Wushu consisted of two factors; 1) external factors and 2) internal factors. External factors, a) Infrastructure (27%), b) Distance (13%), c) Hard Wushu sports (20%), d) Parents (27%), e) Trainers (27%). Internal factors, a) Pain (7%), b) Lack of confidence (7%), c) Doubt (7%), d) Experience (7%)

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Upaya Pengendalian Kenakalan Remaja di Sekolah Menengah Atas Negeri (SMAN) Kabupaten Kutai Timur dalam Perspektif Pendidikan Islam

SYAMIL: Jurnal Pendidikan Agama Islam (Journal of Islamic Education) ◽

10.21093/sy.v7i1.1398 ◽

2019 ◽

Vol 7 (1) ◽

pp. 17-26

Author(s):

Indriana Rahmawati Rahmawati ◽

Abdul Basith

Keyword(s):

High School ◽

Qualitative Research ◽

Juvenile Delinquency ◽

Data Collection ◽

The State ◽

External Factors ◽

Research Approach ◽

Internal Factors ◽

School Rules

The purpose of this study is to explore information about the forms of juvenile delinquency, factors that influence the occurrence of juvenile delinquency, and the efforts made by the school in controlling juvenile delinquency. The object in this study is the State High School (SMAN) in East Kutai Regency: SMAN 1 Sangatta Utara and SMAN 1 Sangatta Selatan. The approach used in this study is a qualitative research approach, with data collection techniques using interviews, observation and documentation. The results of the study show that the form of juvenile delinquency is mostly a form of juvenile delinquency in the case of violating school rules and violating regulations in the community. The factors that cause delinquency are due to external factors and individual internal factors. Efforts that have been made by schools in controlling juvenile delinquency is by preventive, repressive and curative manner.

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Implementasi Pendidikan Profetik dalam Membentuk Karakter Peserta Didik di Sekolah Dasar Al-Baitul Amien Jember Tahun Pelajaran 2019/2020

AKSELERASI: Jurnal Pendidikan Guru MI ◽

10.35719/akselerasi.v1i2.55 ◽

2020 ◽

Vol 1 (2) ◽

pp. 112-126

Author(s):

Sinta Yulis Pratiwi ◽

Lailatul Usriyah

Keyword(s):

Qualitative Research ◽

Elementary School ◽

Data Collection ◽

Research Method ◽

Data Use ◽

Qualitative Approach ◽

External Factors ◽

Internal Factors ◽

School Year ◽

Academic Year

This research was conducted at Al-Baitul Amien Elementary School Jember which aims to answer the problem 1) How is the concept of prophetic education implementation in shaping the character of students at Al-Baitul Amien Elementary School Jember? 2) How is the implementation of prophetic education in shaping the character of students at Al-Baitul Amien Elementary School Jember? 3) How to evaluate the implementation of prophetic education in shaping the character of students at Al-Baitul Amien Elementary School Jember ? The method used in this study is a qualitative research method. The approach used is descriptive qualitative approach. The data collection techniques use interviews, observation, and documentation. And the validity of the data use triangulation of sources and techniques. The results obtained from this study indicate 1) The concept of prophetic education in shaping the character of students at Al-Baitul Amien Elementary School Jember in 2019/2020 school year in the form of the formation of a unique curriculum made based on the mosque's historical values, religious habituation programs and commemoration of Islamic holidays. 2) Implementation of prophetic education in shaping the character of students at Al-Baitul Amien Elementary School Jember 2019/2020 academic year in the form of some activities: Dhuha Prayers, Dhuhur and Ashar prayer Congregational, Habituation of reciting Asmaul Husna, Tahfidz Qur’an. 3) Evaluation obtained from the implementation of prophetic education, is the formation of students' character is influenced by internal factors, from within the students selves and external factors which include the environment and school activities.Keywords : implementation, prophetic education, character Penelitian ini dilakukan di Sekolah Dasar Al-Baitul Amien Jember yang bertujuan untuk menjawab permasalahan 1) Bagaimana konsep implementasi pendidikan profetik dalam membentuk karakter peserta didik di Sekolah Dasar Al-Baitul Amien Jember? 2) Bagaimana implementasi pendidikan profetik dalam membentuk karakter peserta didik di Sekolah Dasar Al-Baitul Amien Jember? 3) Bagaimana evaluasi implementasi pendidikan profetik dalam membentuk karakter peserta didik di Sekolah Dasar Al-Baitul Amien Jember?. Metode yang dipakai dalam penelitian ini adalah metode penelitian kualitatif. Pendekatan yang digunakan yaitu pendekatan kualitatif deskriptif. Adapun teknik pengumpulan data menggunakan wawancara, observasi, dan dokumentasi. Dan keabsahan datanya menggunakan triangulasi sumber dan teknik. Hasil yang diperoleh dari penelitian ini menunjukkan 1) Konsep pendidikan profetik dalam membentuk karakter peserta didik di Sekolah Dasar Al – Baitul Amien Jember tahun pelajaran 2019/2020 berupa pembentukan kurikulum khas yang dibuat berdasarkan nilai historis masjid, program pembiasaan keagamaan serta peringatan hari besar Islam. 2) Implementasi pendidikan profetik dalam membentuk karakter peserta didik di Sekolah Dasar Al – Baitul Amien Jember tahun pelajaran 2019/2020 berupa kegiatan: Sholat Dhuha, Sholat Dhuhur dan Ashar Berjamaah, Pembiasaan Asmaul Husna, Tahfidz Qur’an. 3) Evaluasi yang diperoleh dari pelaksanaan pendidikan profetik yakni, pembentukan karakter peserta didik dipengaruhi oleh faktor internal yakni dari dalam diri peserta didik dan faktor eksternal yakni meliputi lingkungan dan kegiatan sekolah. Kata Kunci : Implementasi, Pendidikan Profetik, Karakter

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PROSES KREATIF DEE LESTARI DALAM MENULIS SERIAL SUPERNOVA (KAJIAN EKSPRESIF)

Diksi ◽

10.21831/diksi.v25i1.15303 ◽

2018 ◽

Vol 25 (1) ◽

Author(s):

Rahayu Dwi Rahmawati

Keyword(s):

Qualitative Research ◽

Data Analysis ◽

Data Collection ◽

Creative Process ◽

Life Experience ◽

External Factors ◽

Internal Factors ◽

Incubation Stage ◽

Preparation Stage ◽

Qualitative Descriptive

Penelitian ini bertujuan untuk mengetahui (1) proses kreatif Dee Lestari dalam menulis serial Supernova, (2) faktor-faktor yang memengaruhi Dee Lestari dalam menulis serial Supernova, (3) wujud proses kreatif Dee Lestari dalam menulis serial Supernova, dan (4) teknik penceritaan Dee Lestari dalam menulis serial Supernova. Penelitian ini merupakan penelitian kualitatif deskriptif. Sumber data berupa wawancara dengan narasumber dan novel serial Supernova. Pengumpulan data dilakukan dengan teknik baca catat dan wawancara. Analisis data menggunakan deskriptif kualitatif yang terdiri atas memilih data, mereduksi data, menyajikan data, dan menarik kesimpulan. Hasil penelitian ini menunjukkan bahwa tahapan proses kreatif Dee Lestari terbagi menjadi empat tahapan yakni tahapan persiapan, inkubasi, iluminasi dan verifikasi. Faktor-faktor yang memengaruhi proses kreatif terbagi atas faktor internal terdiri atas suasana hati, pengalaman hidup, imajinasi dan intuisi. Sementara faktor eksternal terdiri atas jenis kelamin, umur, pandangan hidup, latar belakang sosial dan budaya serta dorongan menulis. Wujud proses kreatif dalam menulis serial Supernova terdiri atas empat elemen yakni tema, alur, latar, dan penokohan. Teknik penceritaan dalam menulis serial Supernova terbagi atas lima teknik, yakni teknik pemandangan, adegan, montase, kolase, dan asosiasi.Kata Kunci: proses kreatif, pengarang, kajian ekspresif, serial Supernova CREATIVE PROCESS OF DEE LESTARI IN WRITING SUPERNOVA SERIES (AN EXPRESSIVE STUDY) ABSTRACTThis study aims to reveal (1) Dee Lestari's creative process in writing the Supernova series, (2) the factors that influence Dee Lestari in writing the Supernova series, (3) the creative process of Dee Lestari in writing the Supernova series, and (4) the technique telling Dee Lestari in writing the Supernova series. This research is descriptive qualitative research. The sources of data in this study were interviews with resource persons and serial novels Supernova. Data collection was done by reading note technique and interview. Data analysis in this study used qualitative descriptive consisting of selecting data, reducing data, presenting data, and drawing conclusions. The results of this study indicate that the stage of the creative process Dee Lestari was divided into four stages of preparation stage, incubation stage, illumination stage and verification stage. Factors that affect Dee Lestari's creative process are divided into internal factors comprising mood, life experience, imagination and intuition, while external factors consist of gender, age, life view, social and cultural background and writing impulse. The creative process of Dee Lestari in writing the Supernova series consists of four elements, namely theme, plot, background, and characterization. Dee Lestari's storytelling technique in writing the Supernova series is divided into five techniques, namely scenery, scene, montage, collage, and association techniques.Keywords: creative process, author, expressive study, Supernova series

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PERANAN SATUAN LALU LINTAS (SATLANTAS) DALAM EKSPEKTASI MENCEGAH PELANGGARAN LALU LINTAS DI WILAYAH POLRES KABUPATEN BARRU

Jurnal Paradigma Administrasi Negara ◽

10.35965/jpan.v3i1.395 ◽

2021 ◽

Vol 3 (1) ◽

pp. 1-6

Author(s):

Marliany Marliany ◽

Andi Rasyid Pananrangi ◽

Syamsul Bahri

Keyword(s):

Qualitative Research ◽

Data Collection ◽

Research Method ◽

Phenomenological Research ◽

External Factors ◽

Community Leaders ◽

Internal Factors ◽

Police Patrol ◽

Traffic Violations ◽

External Conditions

Tujuan penelitian ini adalah untuk mengetahui dan menganalisis penanggulangan dan hambatan-hambatan pelaksanaan pelanggaran lalulintas, dan menganalisis deskripsi upaya yang dilakukan polisi dalam mengurangi angka pelanggaran lalu lintas di wilayah Polres Kabupaten Barru. Metode penelitian menggunakan jenis penelitian fenomenologi dan pendekatan penelitian kualitatif. Pengumpulan data dilakukan melalui: observasi, wawancara dan dokumentasi. Informan penelitian meliputi: (1) Kanit Dikyasa, (2) Kanit Patroli, (3) Polisi Patroli, dan (3) Tokoh Masarakat. Hasil penelitian menunjukkan bahwa: (1) Implementasi Patroli Polisi dalam penanggulangan pelanggaran lalu lintas, yaitu: (a) Fasilitas patroli Polisi melengkapi patroli Polisi dalam mencegah terjadinya pelanggaran lalu lintas ternyata belum maksimal, dan (b) Intensitas patroli Polisi menunjukkan peningkatan kepedulian Polisi dalam mencegah terjadinya pelanggaran lalu lintas. (2) Faktor determinan yang menjadi hambatan Patroli Polisi dalam penanggulangan pelanggaran lalu lintas, yaitu: (a) Faktor internal pelayanan ketertiban jalan raya bekemampuan dalam. melakukan patroli untuk menanggulangi terjadinya pelanggaran lalu lintas, dan (b) Faktor eksternal pelayanan ketertiban jalan raya menunjukkan kondisi eksternal patroli polisi dalam penanggulangan pelanggaran lalu lintas kurang efektif. The aim of this study is to find out and analyze countermeasures and obstacles in handling traffic violations, and to analyze the description of the efforts made by the police in reducing the number of traffic violations in the Police Area of Barru Regency. The research method uses the type of phenomenological research and qualitative research approaches. The data collection is done through: observations, interviews and documentations. Research informants include: (1) Dikyasa Kanit. (2) Kanit Patrol, (3) Patrol Police, and (3) Community Leaders. The results showed that: (1) The implementation of Police Patrol in overcoming traffic violations, such us: (a) Police patrol facilities complementing Police patrols in preventing traffic violations were not yet optimal, and (b) The intensity of Police patrols showed an increase in Police concern in preventing traffic violations; (2) Determinant factors that become obstacles to the Police Patrol in overcoming traffic violations, such as: (a) Internal factors of road order services with internal capabilities in conducting patrols to cope with traffic violations, and (b) External factors of road order services indicate that the external conditions of police patrols in handling traffic violations are less effective.

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[The Role of Abdul Hay Kurban Ali to The Development of Islam in Tokyo, Japan] Peranan Abdul Hay Kurban Ali Terhadap Perkembangan Islam di Tokyo, Jepun

Jurnal Islam dan Masyarakat Kontemporari ◽

10.37231/jimk.2021.22.1.550 ◽

2021 ◽

Vol 22 (1) ◽

pp. 119-128

Author(s):

Siti Zulfa Palem Zainol ◽

Izziah Suryani Mat Resad @ Arshad

Keyword(s):

Qualitative Research ◽

Data Collection ◽

Education Institution ◽

Russian Revolution ◽

Historical Background ◽

Muslim Community ◽

Good Relationship ◽

Huge Impact ◽

Historical Methods

Abstract Abdul Hay Kurban Ali’s arrival in Japan in 1924 has a huge impact on the development of Islam and towards the Muslim community in Tokyo Japan. The migration of the Turkic Tatar Muslim to Japan resulting from the Russian Revolution un 1917 has cause several Islamic Associations to emerge in Japan. Abdul Hay Kurban Ali was the leader of one of this Islamic Association for the Muslim community representing the Turkic-Tatar Muslim in Japan under the name Mahalla Islamiya. With this, Abdul Hay Kurban Ali has carried the interests from each of the Islamic Association from the Muslim community in Japan to build education institution and mosque in Tokyo, Japan. As such, Abdul Hay Kurban Ali cooperate with Syeikh Abdul Rashid Ibrahim in creating good relationship between Turkey and Japan to ease the construction of education institution and mosque in Tokyo, Japan. This research is a qualitative research using the historical history design. This research used the documentation method through data collection that focus on sources under four themes which is historical background of Abdul Hay Kurban Ali, the arrival of Islam in Japan, the role of Da’wah by Abdul Hay Kurban Ali and his contributions in Tokyo, Japan. Meanwhile, the researcher use descriptive and historical methods in analysing the data and sources under the prescribed themes. The finding from the research showed that the four thematic analyses has given a clear and organized information. The role of Abdul Hay Kurban towards the development of Islam in Tokyo, Japan is very significant for the Da’wah aspect towards the Japanese community, the Islamic Association of the Muslim community and the construction of education institution and mosque. Keywords: Abdul Hay Kurban Ali, Muslim community, Turkey, Islam in Japan, mosque Abstrak Kedatangan Abdul Hay Kurban Ali ke Jepun pada tahun 1924 memberi kesan yang besar terhadap perkembangan Islam dan komuniti Muslim di Tokyo, Jepun. Penghijrahan komuniti Muslim Turki Tatar ke Jepun akibat revolusi Rusia pada tahun 1917 telah menyebabkan wujudnya beberapa persatuan-persatuan Islam di Jepun. Abdul Hay Kurban Ali telah mengetuai salah satu daripada persatuan komuniti Muslim bagi bangsa Turki-Tatar di Jepun, Mahalla Islamiya. Menerusi hal ini, Abdul Hay Kurban Ali telah membawa hasrat daripada setiap persatuan-persatuan komuniti Muslim di Jepun untuk membina institusi pendidikan dan masjid di Tokyo, Jepun. Oleh itu, Abdul Hay Kurban Ali bekerjasama dengan Syeikh Abdul Rashid Ibrahim untuk mengadakan hubungan baik bersama kerajaan Turki dan Jepun bagi memudahkan pembinaan institusi pendidikan dan masjid di Tokyo, Jepun. Kajian Ini merupakan kajian berbentuk kualitatif dengan menggunakan reka bentuk kajian sejarah. Kajian ini menggunakan metode dokumentasi melalui pengumpulan data dengan menfokuskan pada sumber-sumber yang berkaitan empat tema iaitu, sejarah latar belakang Abdul Hay Kurban Ali, kedatangan Islam di Jepun, peranan dakwah Abdul Hay Kurban Ali dan sumbangan beliau di Tokyo, Jepun. Manakala pengkaji menggunakan metode deskriptif dan metode sejarah untuk menganalisis data-data dan sumber-sumber menerusi tema yang ditetapkan. Dapatan kajian menunjukkan bahawa sumber-sumber menerusi empat tematik yang dikaji oleh pengkaji telah memberikan maklumat yang tersusun dan jelas. Peranan Abdul Hay Kurban Ali terhadap perkembangan Islam di Tokyo, Jepun amat besar jasanya dari aspek dakwah kepada komuniti Jepun, penyatuan persatuan-persatuan komuniti Muslim dan pembinaan institusi pendidikan dan masjid. Kata kunci: Abdul Hay Kurban Ali, Komuniti Muslim, Turki, Islam di Jepun, Masjid

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Wanprestasi dalam Perjanjian Kredit pada Lembaga Perkreditan Desa (LPD) di Desa Bebetin Kecamatan Sawan Kabupaten Buleleng

Jurnal Konstruksi Hukum ◽

10.22225/jkh.2.2.3210.223-227 ◽

2021 ◽

Vol 2 (2) ◽

pp. 223-227

Author(s):

Kadek Dwinta Pradnyasari ◽

Johannes Ibrahim Kosasih ◽

Desak Gde Dwi Arini

Keyword(s):

Decision Making ◽

Data Collection ◽

Field Research ◽

External Factors ◽

Economic Factors ◽

Legal Research ◽

Internal Factors ◽

Type Data ◽

Research Type

Agreement is the most important source that gives birth to the engagement. One form of engagement in the sources of the agreement is the extension of credit from the bank. This research uses empirical legal research type, data collection techniques in this study using field research. The procedure for granting credit consists of several stages, namely the credit application stage, the location survey stage for prospective debtors, the analysis stage, the decision-making stage, and the credit disbursement stage. The results of the analysis found that the factors that cause default are internal factors and external factors. Internal factors are caused by debtors who are not credible and also unstable economic factors in the midst of the Covid-19 pandemic which caused debtors to be unable to pay arrears in the LPD. External factors from the LPD take a persuasive approach to further handling problematic debtors. The purpose of this study is the procedure for granting credit and binding credit agreements carried out in the LPD Desa Pakraman Bebetin, Sawan District, Buleleng Regency, how are the factors that cause default in LPD Desa Pakraman Bebetin, District of Sawan, District of Buleleng.

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IPTEKS ANALISIS SWOT TENTANG PERKEMBANGAN PASAR PINASUNGKULAN SAGERAT

Jurnal Ipteks Akuntansi Bagi Masyarakat ◽

10.32400/jiam.2.02.2018.21699 ◽

2018 ◽

Vol 2 (02) ◽

Author(s):

Christian Morgan Moray ◽

Sintje Rondonuwu

Keyword(s):

Problem Solving ◽

Data Collection ◽

Swot Analysis ◽

External Factors ◽

Internal Factors ◽

Field Surveys ◽

Analysis Process ◽

Swot Matrix ◽

Problem Solving Process ◽

Internal And External Factors

Swot analysis is a problem solving process in determining the best strategy for the progress of the organization by looking at aspects of strengths, weaknesses, opportunities and threats. Swot analysis is accompanied by looking at the efas ifas and swot matrix for measuring the strategy assessment that will be taken. SWOT analysis process by identifying internal factors and external factors by means of data collection and field surveys aimed at obtaining aspects in internal factors and external factors. aspects of strengths and weaknesses are internal because they start from within the organization itself, while aspects of opportunities and threats are included in the external because they originate outside the organization, then the process is continued by connecting internal and external factors in the SWOT matrix to get four strategies, namely how to exploit opportunities, how weaknesses take advantage of opportunities, how strengths minimize threats and how weaknesses and threats seek solutions. from these results can be reflected which strategy is the best to run.Keywords : Strategic planning ,evaluate strenghs, evaluate weaknesses, evaluate opportunities, evaluate threats

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