Effectiveness of Settlement of Bad Credit Through Memo Decision on Credit Settlement and Auction at  PT Bank BTPN Tbk, Cakranegara Branch

This study aims to determine the criteria of bad credit that can be submitted to the settlement through the Credit Settlement Decision Memorandum (MKPK), and Auction at PT. Bank BTPN Tbk, Cakranegara Branch, as well as procedures and obstacles, along with their implementation in the field. This research uses 2 (two) theories, namely effectiveness theory and dispute resolution theory. This research is empirical normative research. Data collection is obtained from the results of interviews, and observations. The conclusion of the results of this study are 1. Settlement of bad loans that can be done with MKPK and auctions are: a. Guaranteed secured features; b. Arrears up to> 180 days; c. Has been issued a warning letter 1-3 (SP1-SP3); d. Has been restructured. 2. The filing procedure for MKPK and auction is almost the same between the two, the difference is for MKPK the initiative to propose the arrival of the debtor, by attaching a request letter from the debtor, while the auction initiative comes from the creditor/bank. 3. Implementation of MKPK and auction at Cakranegara Branch BTPN, more dominantly conducted by auction, 61.70% auction bidding ratio of total bad loans, with the ratio successfully executed as much as 6.89%. Whereas the settlement with MKPK either with MKPK partially or with MKPK at once, submission of 38.29% with a success ratio of 66.66%.

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STRATEGI PENGEMBANGAN PRODUK KERUPUK KEMPLANG DENGAN METODE SWOT DI UMKM DUA PUTRI BUMI WARAS KOTA BANDAR LAMPUNG

Industrika: Jurnal Ilmiah Teknik Industri ◽

10.37090/indstrk.v5i1.362 ◽

2021 ◽

Vol 5 (1) ◽

Author(s):

Peri Daya Pratama ◽

Keyword(s):

Data Collection ◽

Research Data ◽

Strength Factor ◽

A Value ◽

The Difference ◽

High Level ◽

Price Differences

Abstract The strategy of developing kemplang cracker products in Dua Putri UMKM sub-district of Bumi Waras, Bandar Lampung city is experiencing a high level of competition, the aim of this research is to produce a strategy that is in accordance with the conditions of the Dua Putri UMKM in developing a business, and to provide strategic input from the results of the research. Data collection techniques in this study were carried out by observation, interviews and questionnaires then analysed by SWOT. It is known that the IFAS value is 3,36080 with a strength factor having a value of 2.51632 and a weakness of 0.84448 with a difference in value (+) of 1.67184. and the EFAS value is 2.82229 with the opportunity factor having a value of 2.30108 and the threat factor 0.52121 with the difference in value (+) 1.77987. This value indicates that the organization is experiencing a period of growth both in sales, taste, and price differences. UMKM two putri kemplang crackers are on average in her quest to pursue a strategy of exploiting strengths to overcome weaknesses. From the results of the Cartecius diagram, that kemplang cracker Dua Putri UMKM are in quadrant 1 (one), namely an aggressive strategy, where this UMKM is in a very favorable position, this UMKM has the opportunity and strength so that it can take advantage of the existing opportunities

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Perlindungan Hukum Terhadap Pencipta atau Pemegang Hak Cipta Lagu Dalam Pembayaran Royalti

Journal of Law and Policy Transformation ◽

10.37253/jlpt.v5i1.798 ◽

2020 ◽

Vol 5 (1) ◽

pp. 155

Author(s):

Ampuan Situmeang ◽

Rita Kusmayanti

Keyword(s):

Intellectual Property ◽

Data Collection ◽

Dispute Resolution ◽

Legal Protection ◽

Research Data ◽

Economic Rights ◽

Is Research ◽

Qualitative Descriptive ◽

The Government

Intellectual property is the result of a work for an author that has exclusive rights that only exist and are attached to the owner or bearer of rights of a work. Other parties craving to use or use the copyright need to create or produce the work required in obtain the author's permission. The problems in this research were how is the legal protection for the creator or copyright holder of the song to the payment of royalties and how to complete the objection to approve the use of the song without paying royalties. This research used normative research methods. Normative research is research on literature or document studies that support secondary research. Data collection from the results of the study was then analyzed by the author by qualitative-descriptive. Which is the type of research that aims to obtain about how the use of exclusive rights to economic rights that are still not properly implemented which requires an increase in the Author or the Copyright Holder. Based on the research results and discussion, it can be concluded the use of exclusive rights to economic rights that are still not properly implemented which requires an increase in the Author or the Copyright Holder. The formation of LMKN is a form of protection given by the Government to the copyright of songs given also provides tariffs on royalties that must be agreed by the User. Dispute resolution can be done through litigation and non-litigation. Dispute resolution involving different countries can be done through the WIPO Arbitration and Meditation Center.

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Analisis Kebijakan dan Implementasi Perpajakan Wajib Pajak Orang Pribadi Pembuat Konten Online di Negara Amerika Serikat, Korea Selatan, Filipina, dan Indonesia

Jurnal Riset Akuntansi & Perpajakan (JRAP) ◽

10.35838/jrap.2021.008.01.05 ◽

2021 ◽

Vol 8 (01) ◽

pp. 53-65

Author(s):

Puji Astuti Rahayu ◽

Sylvia Fettry Elvira M ◽

Monica Paramita Putri Dewanti

Keyword(s):

United States ◽

Qualitative Research ◽

Data Collection ◽

South Korea ◽

Income Tax ◽

Field Studies ◽

The United States ◽

Research Data ◽

Online Content ◽

The Difference

ABSTRACT The income earned by online content creators (selebgrams, youtubers, and bloggers) is an object of Income Tax. The income of online content creators are potential taxes that are being unearthed by the DJP. This study aims to analyze tax policy for taxpayers of online content creators in the United States, South Korea, Philippines, and Indonesia, analyze potential tax revenues and evaluate the implementation of their tax obligations. This research uses descriptive and qualitative research. Data collection through field studies by conducting interviews, questionnaire, and literature studies. Based on the results of the study, each country studied imposed taxes on private residents, as well as non-residents. Every online content creator is asked to register to obtain a TIN, as well as NPWP in Indonesia. The difference is that online content creators must register their businesses, so that the tax authorities have a database. ABSTRAK Penghasilan yang diperoleh pembuat konten online (selebgrams, youtubers, dan bloggers) merupakan objek Pajak Penghasilan. Penghasilan pembuat konten online merupakan potensi pajak yang sedang digali oleh Direktorat Jenderal Pajak. Penelitian ini bertujuan menganalisis kebijakan perpajakan bagi wajib pajak orang pribadi pembuat konten online di negara Amerika Serikat, Korea Selatan, Filipina, dan Indonesia, menganalisis potensi penerimaan pajak dan mengevaluasi pelaksanaan kewajiban perpajakannya. Penelitian ini menggunakan penelitian deskriptif dan bersifat kualitatif. Pengumpulan data melalui studi lapangan dengan melakukan wawancara dan kuesioner terhadap wajib pajak pembuat konten online dan studi literatur. Berdasarkan hasil penelitian, setiap negara yang diteliti mengenakan pajak terhadap resident, maupun non resident. Setiap orang pribadi pembuat konten online diminta mendaftarkan diri agar memperoleh TIN, seperti halnya NPWP di Indonesia. Perbedaan Negara yang diteliti dengan Indonesia adalah pembuat konten online harus mendaftarkan usahanya, sehingga otoritas pajak memiliki database pembuat konten online.

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Effect of Business Ethics and Professional Ethics to the Perception of Students

PEDAGOGIA Jurnal Pendidikan ◽

10.21070/pedagogia.v9i1.313 ◽

2020 ◽

Vol 9 (1) ◽

pp. 131-135

Author(s):

Ahmad Dzulfikri Budi Kusworo

Keyword(s):

College Students ◽

Data Collection ◽

Business Ethics ◽

Professional Ethics ◽

Student Perception ◽

Research Data ◽

Significant Difference ◽

Perceptions Of Students ◽

The Difference ◽

Data Collection Technique

This study aims to determine whether there are differences in business ethics and professional ethics to the perception of students. This research was conducted at one of universities in Indonesia. The type of research used by the authors was survey research. Data collection technique is done by distributing questionnaires. To earn value that supports the purpose of this study conducted a t-test to determine whether there are differences about business ethics and professional ethics to the perception of students and college students. Based on the difference of business ethics between perceptions of students it is concluded that there is a significant difference of business ethics between student and student perception. Based on the result of difference about professional ethics between student perception and student perception can be concluded there is significant difference about professional ethics between student and student perception.

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Management Strategy for Distributing Questionnaires and Interview Guidelines in the Research Data Collection Process

Aptisi Transactions on Management (ATM) ◽

10.33050/atm.v2i2.802 ◽

2018 ◽

Vol 2 (2) ◽

pp. 104-111

Author(s):

Po. Abas Sunarya ◽

George Iwan Marantika ◽

Adam Faturahman

Keyword(s):

Focus Group ◽

Data Collection ◽

Management Strategy ◽

Research Data ◽

Accurate Information ◽

Focus Group Interviews ◽

Good Management ◽

Research Activities ◽

Data Collection Process ◽

Group Interviews

Writing can mean lowering or describing graphic symbols that describe a languageunderstood by someone. For a researcher, management of research preparation is a veryimportant step because this step greatly determines the success or failure of all researchactivities. Before a person starts with research activities, he must make a written plan commonlyreferred to as the management of research data collection. In the process of collecting researchdata, of course we can do the management of questionnaires as well as the preparation ofinterview guidelines to disseminate and obtain accurate information. With the arrangement ofplanning and conducting interviews: the ethics of conducting interviews, the advantages anddisadvantages of interviews, the formulation of interview questions, the schedule of interviews,group and focus group interviews, interviews using recording devices, and interview bias.making a questionnaire must be designed with very good management by giving to theinformation needed, in accordance with the problem and all that does not cause problems at thestage of analysis and interpretation.

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STRUKTUR DAN FISIOGNOMI VEGETASI MANGROVE DI REMPANG CATE KOTA BATAM

SIMBIOSA ◽

10.33373/sim-bio.v3i1.250 ◽

2014 ◽

Vol 3 (1) ◽

Author(s):

Yarsi Efendi ◽

Dahrul Aman Harahap

Keyword(s):

Data Collection ◽

Coastal Area ◽

Growth Zone ◽

Mangrove Area ◽

Rhizophora Apiculata ◽

The Difference ◽

Mangrove Zonation ◽

Vertical Transect ◽

Zone Growth ◽

Vegetation Physiognomy

Structure and physiognomy of mangrove strongly influenced by the zonation that occurred in the area of mangroves growth. The differences of zona growth will effect to differences in the structure and composition of vegetation. There are three zones in the mangrove area, which is caused by the difference of flooding which also resulted in the difference to the salinity. The differences of growth zone will performed to the type vegetation performance (Physiognomy). This study is aims to prove the mangrove’s physiognomy that taken in the coastal area of Rempang Cate Batam, on March 2014 to June 2014. This study was a survey with data collection using a vertical transect plots 100 m. Based on the research that has been done obtained difference vegetation physiognomy stands for every level of growth in each zone growth. Proximally found 13 species of mangroves in 8 families. The results of the analysis of the vegetation on the trees growth level are, Ceriops decandra have the greatest significance important value 167.55% on sapling (juvenille ) level is dominated by Rhizophora apiculata 120%, and seedling growth level dominated by Rhizophora apiculata 186.80%. Keywords: Structure and physiognomy, mangrove zonation

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PENERAPAN METODE STORY READING UNTUK MENINGKATKAN KEMAMPUAN BERBICARA ANAK USIA 5 - 6 TAHUN DI TK MELATI / ABA 005 PULAU BALAI

Primary: Jurnal Pendidikan Guru Sekolah Dasar ◽

10.33578/jpfkip.v4i2.2948 ◽

2015 ◽

Vol 4 (2) ◽

pp. 143

Author(s):

Hasnidar '

Keyword(s):

Data Collection ◽

Initial Data ◽

Research Data ◽

Class Action ◽

Percentage Increase ◽

Story Reading ◽

Reading Methods ◽

Number Of Children ◽

Class Actions ◽

Speaking Skills

This study aims to improve speaking skills of children aged 5-6 through methods Story Reading in TK Melati/ ABA 005 Pulau Balai. The method used is a Class Action Research. Class actions that researchers do the research is to use the method Story Reading to improve speaking skills of children aged 5-6 years in TK Melati TK Melati/ ABA 005 Pulau Balai, and is observed by the observer. Samples taken are TK Melati/ ABA 005 Pulau Balai with the number of children of 20 people, consisting of 13 men and 7 women. Data collection techniques in this research is through observation of teachers and children as well as data capability speaking children aged 5-6 years with use of methods Story Reading. Hipotesis in this study is if the method will be applicable Story Reading can improve speaking skills of children aged 5-6 years in TK Melati/ ABA Pulau Balai 005 can be enhanced through storytelling. Results of the research data obtained by using the method Story Reading can improve the ability to speak of children aged 5-6 years in TK Melati / ABA 005 Pulau Balai. The percentage increase in the ability to speak the child at the age of 5-6 years using Story Reading methods in TK Melati/ ABA 005 Pulau Balai, from initial data to the second cycle increased by 32.2%. The implication of this study is the use of methods Story Reading used properly, can improve speaking skills of children aged 5-6 years in TK Melati/ ABA 005 Pulau BalaiKeywords: story reading, speech

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KAJIAN NORMATIF KEBERADAAN TOKO MODERN DI KOTA SEMARANG

Hukum dan Masyarakat Madani ◽

10.26623/humani.v5i3.946 ◽

2015 ◽

Vol 5 (3) ◽

pp. 50

Author(s):

Efi Yulistyowati ◽

Endah Pujiastuti

Keyword(s):

Data Analysis ◽

Data Collection ◽

Research Data ◽

Analysis Method ◽

Literature Study ◽

Normative Study ◽

Descriptive Research ◽

Approach Method ◽

The City ◽

Collection Methods

ABSTRAKArtikel hasil penelitian tentang kajian normatif keberadaan toko modern di Kota Semarang akan mengkaji mengenai keberadaan toko modern di Kota Semarang apakah sudah memenuhi ketentuan dalam Peraturan Presiden Nomor 112 Tahun 2007. Untuk membahas permasalahan tersebut, metode pendekatan yang dipakai adalah yuridis normatif, dengan spesifikasi penelitian deskriptif analitis, metode pengumpulan datanya : studi dokumentasi dan studi kepustakaan, sedangkan metode analisis data yang dipergunakan adalah analisis kualitatif.Hasil dari penelitian menunjukkan bahwa keberadaan toko modern di Kota Semarang sudah memenuhi beberapa ketentuan yang ada dalam Peraturan Presiden Nomor 112 Tahun 2007, yang belum terpenuhi adalah : ketentuan Pasal 13 & Pasal 15 Peraturan Presiden Nomor 112 Tahun 2007.Articles of research on the normative study of the existence of modern stores in the city of Semarang will examine the existence of modern stores in the city of Semarang whether they have fulfilled the provisions in Presidential Regulation No. 112 of 2007. To discuss these problems, the approach method used is normative juridical, with the specifications of analytical descriptive research, data collection methods: documentation and literature study, while the data analysis method used is qualitative analysis. The results of the study show that the existence of a modern shop in Semarang City has fulfilled several provisions in the Presidential Regulation Number 112 of 2007, which has not been fulfilled are:provisions in Article 13 and provisions Article 15 of the Presidential Regulation Number 112 of 2007.Keywords: Study, Normative, Modern Shop, Semarang City.

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ANALISIS NILAI KOHESI DAN KOHERENSIDALAM TERJEMAHAN AL-QUR’AN SURAH AL AL ZALZALAH

KONFIKS JURNAL BAHASA DAN SASTRA INDONESIA ◽

10.26618/jk.v1i2.177 ◽

2016 ◽

Vol 1 (2) ◽

pp. 23

Author(s):

MUNIRAH MUNIRAH ◽

HUSAIN SYARIFUDDIN

Keyword(s):

Data Analysis ◽

Data Collection ◽

Data Classification ◽

Research Data ◽

Relative Pronoun ◽

Second Person ◽

Record Keeping ◽

Descriptive Research ◽

Qualitative Descriptive

This study aimed to describe the value of cohesion and coherence contained in the translation of the Qur'an surah Al Zalzalah. This study was a qualitative descriptive research, research data collection techniques using three techniques namely, inventory, rading and understanding, and record keeping. The data analysis used the coding of data, classification data, and the determination of the data. The results showed that the cohesion markers used in the translation of surah Al Zalzalah discourse are: 1) reference, 2) pronouns, ie pronouns second person, and third, the relative pronoun, the pronoun pointer, pen pronouns and pronouns owner, 3 ) conjunctions, namely temporal conjunctions, coordinating conjunctions, subordinating conjunctions, and conjunctions koorelatif, and 4) a causal ellipsis. It mean that there was a coherence in the translation of surah Al Zalzalah discourse are: the addition or addition, pronouns, repetition or repetition, match words or synonyms, in whole or in part, a comparison or ratio of conclusions or results. Keywords: Cohesion, Coherence, sura Al Zalzalah AbstrakPenelitian ini bertujuan untuk mendeskripsikan nilai kohesi dan koherensi yang terdapat dalam terjemahan Al-Qur’an surah Al Zalzalah. Jenis penelitian ini termasuk jenis penelitian deskriptif kualitatif, Teknik pengumpulan data penelitian menggunakan tiga teknik yakni, inventarisasi, baca simak, dan pencatatan. Teknik analisis data menggunakan pengodean data, pengklasifikasian data, dan penentuan data. Hasil penelitian menunjukkan bahwa pemarkah kohesi yang digunakan dalam wacana terjemahan surah Al Zalzalah adalah: 1) referensi, 2) pronomina, yaitu kata ganti orang kedua, dan ketiga, kata ganti penghubung, kata ganti penunjuk, kata ganti penanya dan kata ganti empunya, 3) konjungsi, yaitu konjungsi temporal, konjungsi koordinatif, konjungsi subordinatif, dan konjungsi koorelatif, dan 4) elipsis kausal. Sarana koherensi yang terdapat di dalam wacana terjemahan surah Al Zalzalah adalah: penambahan atau adisi, pronomina, pengulangan atau repetisi, padan kata atau sinonim, keseluruhan atau bagian, komparasi atau perbandingan simpulan atau hasil.Kata Kunci: Kohesi, Koherensi, surah Al Zalzalah

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Comparing face-to-face to web data collection: unit response and costs in a national health survey (Preprint)

10.2196/preprints.26299 ◽

2020 ◽

Author(s):

Elise Braekman ◽

Stefaan Demarest ◽

Rana Charafeddine ◽

Sabine Drieskens ◽

Finaba Berete ◽

...

Keyword(s):

Data Collection ◽

Response Rate ◽

Response Rates ◽

Demographic Characteristics ◽

Unit Response ◽

Cost Advantage ◽

Web Data ◽

Demographic Groups ◽

Considerable Cost ◽

The Difference

BACKGROUND Potential is seen in web data collection for population health surveys due to a combination of its cost-effectiveness, implementation ease and the increased internet penetration. Nonetheless, web modes may lead to lower and more selective unit response rates than traditional modes and hence may increase bias in the measured indicators. OBJECTIVE This research assesses the unit response and costs of a web versus F2F study. METHODS Alongside the F2F Belgian Health Interview Survey of 2018 (BHIS2018; n gross sample used: 7,698), a web survey (BHISWEB; n gross sample=6,183) is organized. Socio-demographic data on invited individuals is obtained from the national register and census linkages. Unit response rates considering the different sampling probabilities of both surveys are calculated. Logistic regression analyses examine the association between mode system (web vs. F2F) and socio-demographic characteristics on unit non-response. The costs per completed web questionnaire are compared with these for a completed F2F questionnaire. RESULTS The unit response rate is lower in BHISWEB (18.0%) versus BHIS2018 (43.1%). A lower web response is found among all socio-demographic groups, however, the difference is higher among people older than 65, low educated people, people with a non-Belgian nationality, people living alone and these living in Brussels Capital. Not the same socio-demographic characteristics are associated with non-response in both studies. Having another European (OR (95% CI): 1.60 (1.20-2.13)) or a non-European nationality (OR (95% CI): 2.57 (1.79-3.70)) (compared to having the Belgian nationality) and living in the Brussels Capital (95% CI): 1.72 (1.41-2.10)) or Walloon (OR (95% CI): 1.47 (1.15 - 1.87) region (compared to living in the Flemish region) is only in BHISWEB associated with a higher non-response. In BHIS2018 younger people (OR (95% CI): 1.31 (1.11-1.54)) are more likely to be non-respondent than older people, this was not found BHISWEB. In both studies, lower educated people have a higher change to be non-respondent, but this effect is more pronounced in BHISWEB (OR low vs. high education level (95% CI): Web 2.71 (2.21-3.39)); F2F 1.70 (1.48-1.95)). The BHISWEB study has a considerable cost advantage; the total cost per completed questionnaire is almost three times lower (€41) compared to the F2F data collection (€111). CONCLUSIONS The F2F unit response rate is generally higher, yet for certain groups the difference between web versus F2F is more limited. A considerable cost advantage of web collection is found. It is therefore worthwhile to experiment with adaptive mixed-mode designs to optimize financial resources without increasing selection bias; e.g. only inviting socio-demographic groups more eager to participate online for web surveys while remaining to focus on increasing the F2F response rates for other groups. CLINICALTRIAL Studies approved by the Ethics Committee of the University hospital of Ghent

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