scholarly journals The Impact of Application of Android Mobile Application-Based Online Credit as an Effort to Accelerate Credit Disbursement

Academia Open ◽  
2021 ◽  
Vol 4 ◽  
Author(s):  
Mifta Salwa ◽  
Fityan Izzah Noor Abidin
Keyword(s):  
Mobile Application ◽  
Negative Impact ◽  
Positive Impact ◽  
Personal Data ◽  
Secondary Data ◽  
Primary Data ◽  
Related Data ◽  
Negative Impacts ◽  
Time And Energy ◽  
The Impact

This study aims to determine the positive and negative impacts of the application of online credit distribution based on the android mobile application as an effort to accelerate credit disbursement in the Tunaiku application. To obtain the data needed in the study, the researcher tries to obtain related data such as primary data, which is sure that the data obtained by a researcher is directly from the object. In this study, the primary data source came from the results of interviews with the Tunaiku application and the second party who was the debtor of the Tunaiku application. And secondary data, namely data obtained by a researcher indirectly from the object. In this study, the secondary data sources came from literature studies conducted by researchers. And the type of research used in this research is descriptive research with a qualitative approach. And the results of this study are the researchers found a positive impact arising from the application of online credit provision based on the Android mobile application as an effort to accelerate credit disbursement on the Tunaiku application, namely: saving time and energy, not requiring collateral for goods or other valuable documents, can be a solution for debtors who need instant funds and fast disbursement of funds, loan funds can be used for various needs, flexible ceiling amounts and tenors. And the negative impact of the application of online credit application based on the android mobile application as an effort to accelerate credit disbursement on the Tunaiku application, namely: creating a culture of debt, high interest on debt, fishing for the system to dig holes and cover holes, misuse of personal data, family or closest relatives will be disturbed.

scholarly journals Problematic Financing Fine in Indonesian Ulema Council Perspective

2019 ◽  
Vol 6 (5) ◽  
pp. 241
Author(s):  
Nurmusyahidah Nurmusyahidah ◽  
Arfin Hamid ◽  
Andi Tenri Famauri
Keyword(s):  
Negative Impact ◽  
Positive Impact ◽  
Financial Institution ◽  
Secondary Data ◽  
Working Hours ◽  
Deterrent Effect ◽  
Primary Data ◽  
South Sulawesi ◽  
Negative Impacts ◽  
The Impact

Bad credit is caused by two factors, which are from the bank and from the customer. This study aimed to analyze the fine financing problems in the Islamic of Pawnshop Unit Bone according to Indonesian Ulama Council (MUI) perspective. This research is a normative legal research using a sociological juridical approach. The primary data used are regulations or legal products from the Indonesian Ulama Council, namely the DSN-MUI fatwa regarding fines and direct interviews with employees and customers. Besides, the secondary data used was number of books that contain opinion Indonesian Ulama Council and other literature which is relevant to research. The results showed that the application of fines in financing problems in the islamic pawnshop Unit Bone of South Sulawesi had positive and negative impacts. The positive impact was giving a deterrent effect to customers who face the due while the negative impact is the waste of time for employees who have to work more than working hours. However, the impact of these fines did not reduce the performance of the South Sulawesi specially in the Islamic of Pawnshop Unit Bone in order to become a non-bank financial institution that is still in demand by the public and become a financial institution that can help the economy of Indonesian society, among them is the society in Bone, South Sulawesi. It is because people in Bone regency tend to open up business as their economic livelihoods.

scholarly journals DAMPAK ALIH FUNGSI LAHAN PERTANIAN CENGKEH TERHADAP KONDISI SOSIAL EKONOMI PETANI (Studi Kasus Petani Pemilik Lahan di Kelurahan Kumelembuai Kecamatan Tomohon Timur)

2017 ◽  
Vol 13 (3A) ◽  
pp. 63
Author(s):  
River Pieter Tandaju ◽  
Elsje P. Manginsela ◽  
Nordy F. L. Waney
Keyword(s):  
Agricultural Land ◽  
Negative Impact ◽  
Positive Impact ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Primary Data ◽  
Land Conversion ◽  
Local Society ◽  
Social Side ◽  
The Impact

The research aims to describe the impact of the conversion of agricultural land of cloves to the socio-economic condition of farmers. The study was conducted from May to July 2017. The data used are primary data obtained through interviews to 5 (five) respondents who sell land for land converted. Secondary data is obtained from Tetetana Hill nature reserve, Kumelembuai village government, books and journals. Data analysis used is descriptive analysis. The research results showed that viewed from the economic side, land conversion has a positive impact for the farmers family and local society. Positive impacts for farmers family include increasing the income, helping to construction the house of farmers, opening up a new farming businesses, and for local society like existence of jobs. Viewed from the social side, land conversion has positive and negative impacts, that is: change of farmers family life status (positive impact), and the influence of visitor habits toward society (negative impact).

scholarly journals Dampak Pembangunan Obyek Wisata Waterboom dalam Kehidupan Sosial-Ekonomi Masyarakat Desa Mekar Jaya Kabupaten Belitung Timur

2021 ◽  
Vol 7 (3) ◽  
pp. 531
Author(s):  
Yuliana Krismonni ◽  
Putra Pratama Saputra
Keyword(s):  
Negative Impact ◽  
Positive Impact ◽  
Secondary Data ◽  
Economic Life ◽  
The Other ◽  
Primary Data ◽  
Tourist Attraction ◽  
Other Hand ◽  
The People ◽  
The Impact

ABSTRAKPembangunan merupakan suatu proses yang mengarah pada perubahan dalam kehidupan masyarakatnya, baik dari kehidupan sosial, ekonomi, politik dan lain sebagainya menuju arah yang lebih baik lagi. Pada dasarnya dalam suatu pembangunan ditujukan bagi masyarakatnya. Disisi lain hal ini juga bisa berimplikasi atau berdampak bagi kehidupan masyarakatnya. Pembangunan yang tidak berorientasi pada masyarakatnya tentunya akan memberikan dampak yang negatif pula kepada masyarakatnya, dan sebaliknya pembangunan yang berorientasikan kepada masyarakatnya tentu akan memberikan dampak yang positif pula tidak hanya bagi masyarakatnya, juga bagi pihak yang terlibat dalam proses pembangunan tersebut.Adapun tujuan penelitian ini adalah untuk melihat bagaimana dampak yang ditimbulkan dari adanya pembangunan objek wisata ini bagi kehidupan sosial-ekonomi masyarakatnya, dan melihat apakah dengan adanya objek wisata ini dapat mensejahterahkan hidup masyarakatnya. Penelitian ini menggunakan pendekatan deskriptif kualitatif, dengan data primer yang diperoleh dari wawancara dengan informan, dan data sekunder berupa beberapa jurnal, literatur review, dan bebetapa penelitian terdahulu, penelitian ini dilakukan di Desa Mekar Jaya Kecamatan Manggar Kabupaten Belitung Timur. Hasil dari penelitian ini yakni adanya pembangunan unit usaha waterboom ini pada kenyataannya belum terlalu memberikan dampak yang cukup signifikan bagi kehidupan sosial ekonomi masyarakatnya. Hal tersebut dapat terlihat karena dari segi pembangunan yang dilakukan belum terlaksana sepenuhnya, karena terkendala dalam beberapa hal. Sehingga hal ini menghambat dalam proses pembangunan yang ada.  ABSTRACTDevelopment is a process that leads to changes in the life of the people, from social, economic, political and other life towards a better direction. Basically, in a development aimed at the community. On the other hand, this can also have implications or impacts on the life of the community. Development that is not oriented towards the community will certainly have a negative impact on the community, and on the other hand, development that is oriented towards the community will certainly have a positive impact not only on the community, but also for those involved in the development process.The purpose of this research is to see how the impact of the development of this tourist attraction for the socio-economic life of the people, and to see whether the existence of this tourist attraction can make the lives of the people prosperous. This study uses a qualitative descriptive approach, with primary data obtained from interviews with informants, and secondary data in the form of several journals, literature reviews, and some previous research. The result of this research is that the development of the waterboom business unit has not had a significant impact on the socio-economic life of the community. This can be seen because from a development perspective it has not been fully implemented, due to constraints in several ways. So that this hinders the existing development process.

scholarly journals Evaluasi Dampak Pembangunan Pariwisata Menggunakan Konsep Community Based Tourism (CBT) di Kawasan Wisata Tebing Breksi

2021 ◽  
Vol 14 (2) ◽  
pp. 109-124
Author(s):  
Nurwanto Nurwanto
Keyword(s):  
Development Strategy ◽  
Negative Impact ◽  
Positive Impact ◽  
Secondary Data ◽  
Active Role ◽  
Government Support ◽  
Primary Data ◽  
Community Based ◽  
Study Approach ◽  
The Impact

Nowadays the development of tourism in an area will bring a positive impact on the local society. However, if the community is not ready to accept development and is not ready to manage its property, it will have a negative impact. Various problems will arise with the existence of mass tourism which makes it difficult or even detrimental to the community. Therefore, this study will discuss the evaluation of the impact tourism development in Tebing Breksi using the concept of community-based tourism (CBT). CBT is a development strategy that uses tourism as a tool to strengthen local communities that are managed by, from, and for the community, as well as considering aspects of sustainability to improve people’s welfare. The research method used is qualitative using a case study approach. The data used is sourced from primary data and secondary data. Primary data obtained by interviewing speakers who are considered competent in their fields and following the research topic. Secondary data were obtained from previous studies, documentation, a note, and an activity report related to Tebing Breksi. Evaluation of CBT principles at Tebing Breksi is seen based on five aspects, that is (i) Economic principles (ii) Social principles (iii) Cultural principles (iv) Environmental principles (v) Political principles, along with indicators. The result of the analysis shows that the principles of CBT applied at Tebing Breksi as a whole have shown success even though some of the indicators of the CBT principle need to be optimized again, while the positive impact obtained by the community with the presence of this CBT is increased economic income, improved quality of life, concern for waste management and mutual respect between cultures. Also, the success of CBT cannot be separated from the active role of community and government support.

scholarly journals DAMPAK EKONOMI DAN SOSIAL ALIH FUNGSI LAHAN PERTANIAN HORTIKULTURA MENJADI KAWASAN WISATA BUKIT RURUKAN DI KECAMATAN TOMOHON TIMUR, KOTA TOMOHON

2016 ◽  
Vol 12 (3) ◽  
pp. 113 ◽  
Author(s):  
Elisabeth ., Ante ◽  
Noortje M. Benu ◽  
Vicky R.B Moniaga
Keyword(s):  
Negative Impact ◽  
Positive Impact ◽  
Research Result ◽  
Secondary Data ◽  
Cultural Condition ◽  
Primary Data ◽  
Land Conversion ◽  
Tourist Attraction ◽  
Economy Condition ◽  
The Impact

This research aims is to describe the impact of Horticulture land conversion to farmer’s economy condition and socio-cultural condition that has sold their land to be made into tourist attraction. Research carried out in May until July 2016. Data used is primary data that obtained from interview to 6 (six) respondents and secondary data obtained from Rurukan Office village. Research result shows that the cause of land conversion is high offer price and the sale of land used for opening business in the tourist attraction . the positive impact of land conversion one of them is employment, because the majority of workers and businessman in the tourist attraction is from Rurukan village. Research result also identifying negative impact to locals because of the noises from tourist attraction and the disappearing of local’s cultures.

scholarly journals Selected Issues from the Dark Side of the General Data Protection Regulation

2018 ◽  
Vol 18 (4) ◽  
pp. 387-407 ◽  
Author(s):  
Eva Daniela Cvik ◽  
Radka MacGregor Pelikánová ◽  
Michal Malý
Keyword(s):  
Negative Impact ◽  
Personal Data ◽  
Dark Side ◽  
Primary Data ◽  
General Data Protection Regulation ◽  
Eu Member States ◽  
General Data ◽  
Negative Impacts ◽  
The Impact ◽  
The Eu

Abstract The Regulation (EU) 2016/679 on the protection of personal data (GDPR) was enacted in 2016 and applies from 25thMay 2018 in the entire EU. The GDPR is a product of an ambitious reform and represents a direct penetration of the EU law into the legal systems of the EU member states. The EU works on the enhancement of awareness about the GDPR and points out its bright side. However, the GDPR has its dark side as well, which will inevitably have a negative impact. Hence, the goal of this paper is twofold - (i) to scientifically identify, forecast, and analyze selected problematic aspects of the GDPR and its implementation, in particular for Czech municipalities, and (ii) to propose recommendations about how to reduce, or even avoid, their negative impacts. These theoretic analyses are projected to a Czech case study focusing on municipalities, which offers fresh primary data and allows a further refining of the proposed recommendations. An integral part of the performed analyses is also a theoretic forecast of expenses linked to the GDPR, which municipalities will have to include in their mandatory expenses and mid-term prognostic expectations regarding the impact on the budgets of these municipalities from Central Bohemia. The GDPR, like Charon, is at the crossing, the capacity and knowledge regarding its application is critical for operating in the EU in 2018. It is time both to admit that the GDPR has its dark side and to present real and practical recommendations about how to mitigate it.

scholarly journals The Giving Of Disciplinary Penalty of Civil Servants Based On Government Regulation Number 53 of 2010 in Governments of Demak Regency

2020 ◽  
Vol 2 (4) ◽  
pp. 443
Author(s):  
Muhammad Adib ◽  
Sri Kusriyah Kusriyah ◽  
Siti Rodhiyah Dwi Istinah
Keyword(s):  
Government Regulation ◽  
Positive Impact ◽  
Secondary Data ◽  
Civil Servant ◽  
Civil Servants ◽  
Disciplinary Action ◽  
Primary Data ◽  
Immediate Supervisor ◽  
The Government ◽  
The Impact

Government Regulation No. 53 of 2010 regarding the discipline of the Civil Servant loading obligations, prohibitions, and disciplinary action which could be taken to the Civil Servant who has been convicted of the offense, is intended to foster a Civil Servant who has committed an offense, the form of disciplinary punishment is mild, moderate, and weight. Disciplinary punishment for the Civil Servant under Government Regulation No. 53 of 2010 Concerning the Discipline of Civil Servants. The formulation of this journal issue contains about how the process of disciplinary punishment, and constraints and efforts to overcome the impact of the Civil Servant disciplinary punishment in Government of Demak regency. The approach used in this study is a sociological juridical approach or juridical empirical, that is an approach that examines secondary data first and then proceed to conduct research in the field of primary data normative. The process of giving disciplinary sanctions for State Civil Apparatus in Government of Demak regency begins with the examination conducted by the immediate supervisor referred to in the legislation governing the authority of appointment, transfer and dismissal of civil servants. The results showed that in general the process of sanctioning / disciplinary punishment of civil servants in the Government of Demak be said to be good and there have been compliance with the existing regulations / applied in Government Regulation No. 53 of 2010, although it encountered the competent authorities judge still apply tolerance against the employee, but also a positive impact among their deterrent good not to repeat the same offense or one level higher than before either the Civil Servant concerned or the other. Obstacles in carrying out disciplinary punishment in Government of Demak regency environment is still low awareness of employees to do and be disciplined in performing the tasks for instance delays incoming work, lack of regulatory discipline, lack of supervision system and any violations of employee discipline. There must be constraints to overcome need for cooperation with other stakeholders comprising Inspectorate, BKPP, and the immediate superior civil servants in this way can be mutually reinforcing mutual communication, consultation, coordination so that if later there is a problem in the future could be accounted for.Keywords: Delivery of Disciplinary Sanctions; Civil Servant; Government Regulation No. 53 of 2010.

scholarly journals Socioeconomic Classes of University Students in Pakistan as Predictors of their Personality Traits: A Case Study

2021 ◽  
Vol 2 (2) ◽  
pp. 205-221
Author(s):  
Rafaqat Ali ◽  
Furrukh Bashir ◽  
Rashid Ahmad
Keyword(s):  
University Students ◽  
Personality Traits ◽  
Regression Models ◽  
Negative Impact ◽  
Positive Impact ◽  
Socioeconomic Class ◽  
Lower Socioeconomic ◽  
Negative Impacts ◽  
The Impact

The current study was heading for determining the impact of Pakistani university students’ socioeconomic classes on their personality traits. Demographic and personality questionnaires were filled by available university students online. The stepwise regression technique facilitated to generate regression models to define impacts of different socioeconomic classes on students’ different personality traits. Different regression models highlighted the significant negative impacts of the middle upper socioeconomic class on Agreeableness, Extraversion and Neuroticism personality traits. The lower socioeconomic class was found to have positive impact on only one personality sub-trait self-discipline. Whereas, the upper lower socioeconomic class caused positive impacts on students’ trust sub-trait, Conscientiousness trait and negative impact on excitement seeking sub-trait of personality. The importance of these impacts of socioeconomic classes on different personality traits and the possible implications are discussed with respect to university students’ academic performance and academic behaviour.

scholarly journals The practice of Cousin Marriage in the Community of Kalola Village, Pasangkayu Regency, West Sulawesi

2020 ◽  
Vol 2 (2) ◽  
pp. 71-82
Author(s):  
Muhammd Rizal Soulisa ◽  
Lukman S. Thahir ◽  
Malkan Malkan
Keyword(s):  
Negative Impact ◽  
Positive Impact ◽  
Large Family ◽  
Theory Approach ◽  
Political Systems ◽  
Cousin Marriage ◽  
Long Time ◽  
Negative Impacts ◽  
The Impact ◽  
Grounded Theory Approach

The aim of this paper is to discuss the practice of cousin marriage in the community of Kalola Village, Pasangkayu Regency, West Sulawesi. This study uses qualitative methods and data was gathered through observation, in-depth interviews, and written material. Data analysis was analyzed using grounded theory approach. the background of a cousin marriage in the Mandar tribe community in Kalola Village is a tradition that has been strong for a long time in the community, in addition to the factor of maintaining a large family and protecting property. Meanwhile, the impact of cousin marriage includes both positive and negative impacts. The positive impact is to reduce the number of conflicts in the community and strengthen local political systems, while the negative impact is the breakdown of kinship in the event of conflict and divorce and health risks.

scholarly journals The Impact of Stakeholders on the Achievement of the Projects Within Malian Firms: Case of SODEMA

2020 ◽  
Vol 13 (3) ◽  
pp. 87
Author(s):  
Tiédian Fané ◽  
Toumani Bagayoko
Keyword(s):  
Positive Impact ◽  
Hypothesis Test ◽  
Secondary Data ◽  
Regression Equation ◽  
Primary Data ◽  
Key Stakeholders ◽  
Model Project ◽  
Anova Table ◽  
Industry Needs ◽  
The Impact

This study highlights the impact of stakeholders on achievement of projects. The recommendations should be used as guideline for Malian projects. The quantitative and qualitative methods, primary data collected by questionnaires and interviews are used. Secondary data are gotten from articles, journals and online resources. The research framework was analyzed using simple regression models. Hypothesis test is adopted to accept or reject the hypotheses formulated in this research. Excel software have been used to perform regression statistics, predicting with the regression equation, Hypothesis test for correlation, ANOVA table and Regression equation plot. The results suggest that stakeholders have significant impact on achievement of projects. Stakeholders have a positive impact on achievement of projects is valid hypothesis. This study makes several contributions to research and theory of key stakeholders and achievement of projects. A greater understanding of stakeholders and achievement of projects provided further investigation of the relationship between of stakeholders and achievement of projects. This model can be used by other project for its achievement. Through the use of this model, project can quickly identify stakeholders requiring special and urgent attention. SODEMA industry needs improvement in communication with stakeholders. The theoretical model developed in this study is applicable in practice.

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