scholarly journals 5c Factor Analysis Aspects Of The Designation Of Lending Of Working Capital In Pd. Bpr Bank Regional Lamongan

2020 ◽  
Vol 6 (1) ◽  
pp. 1-7
Author(s):  
Izzati Choirini Mardhotillah
Keyword(s):  
Credit Risk ◽  
Information Search ◽  
Approval Process ◽  
Working Capital ◽  
The People ◽  
Search Site ◽  
Development Banks ◽  
Analytical Tools ◽  
Regional Banks ◽  
To Receive

Credit evaluation is an important element in the provision of credit to the debtor. Lending activities, we need a good and thorough analysis of all aspects of credit to support the credit approval process, in order to prevent a credit risk. With its mission as an agent of development, banks are increasingly playing a role in the economy with increased lending to some sectors of the economy are priorities for improving the economy of the people and support the development of nasional.Tujuan of this study was to determine the creditworthiness conducted by the PD BPR Bank Regional Lamongan. From the analysis of the data using analytical tools 5C character, capacity, capital, collateral, condition states that the majority of borrowers eligible to receive a credit of PD. BPR lamongan Regional Banks. The credit approval process is a credit application by the debtor, research files, bank information search, site visits, analysis of credit research. If approved it will be an agreement or binding of collateral. Once it is done coaching supervision of credit or credit.Credit evaluation is an important element in the provision of credit to the debtor. Lending activities, we need a good and thorough analysis of all aspects of credit to support the credit approval process, in order to prevent a credit risk. With its mission as an agent of development, banks are increasingly playing a role in the economy with increased lending to some sectors of the economy are priorities for improving the economy of the people and support the development of nasional.Tujuan of this study was to determine the creditworthiness conducted by the PD BPR Bank Regional Lamongan. From the analysis of the data using analytical tools 5C character, capacity, capital, collateral, condition states that the majority of borrowers eligible to receive a credit of PD. BPR lamongan Regional Banks. The credit approval process is a credit application by the debtor, research files, bank information search, site visits, analysis of credit research. If approved it will be an agreement or binding of collateral. Once it is done coaching supervision of credit or credit.

Analisis Pengembalian Kredit Terhadap Profitabilitas Pada PT Bank Sumut Cabang Gunungsitoli

Owner ◽  
2019 ◽  
Vol 3 (2) ◽  
pp. 160
Author(s):  
Victorinus Laoli
Keyword(s):  
Data Collection ◽  
Positive Influence ◽  
Business Continuity ◽  
Working Capital ◽  
The People ◽  
Data Collection Technique

One manifestation of the important role of banking in a region, as implemented by PT Bank Sumut, Gunungsitoli Branch, is to distribute loans for investment, consumption and working capital for the people in the area. The purpose of providing credit for banks is the return of credit that earns interest and can increase income to finance activities and business continuity. From the results of research conducted with this data collection technique, it shows that PT Bank Sumut has a number of loans from 2009 to 2014 which each year rises. From this study, it is also known that the rate of credit repayment has a positive influence on the level of profitability.

scholarly journals Environment pollution: The rise of militarism and terrorism in the Niger Delta of Nigeria

2014 ◽  
pp. 1-11
Author(s):  
Christian Madubuko
Keyword(s):  
Environmental Justice ◽  
Niger Delta ◽  
Oil Exploration ◽  
Environmental Laws ◽  
Oil Companies ◽  
The People ◽  
Oil Pipelines ◽  
Primary Means ◽  
History Of ◽  
To Receive

Oil was discovered in large quantities in Nigeria in 1956 and exploration began in the same year. Before oil, agriculture and fishing had assured the Niger Delta people of a bright future. Since 1956, oil has been extracted from the Niger Delta with destructive consequences on the environment, bringing about environmental degradation and destruction of the people’s primary means of livelihood. Land and water were badly polluted, and the health of the people affected because of leaks from oil pipelines, gas flaring and acid rains. Several petitions and non-violent protests by Delta communities, women and youth against environmental destruction failed to receive attention. Rather, opposition to peaceful protests earned the people military invasions of their communities, clampdowns and jailings. The rise of militarism and terrorism in the Niger Delta was the result of the Federal Government and Oil Companies’ clampdown on non-violent protests for environmental justice in the Niger Delta. This paper discusses the history of oil exploration in the Niger Delta, oil laws, effects of oil exploration in the region, and the rise of militants and terrorists in the area. The paper uses the term, ‘environmental Justice’ to denote unfair treatment and destruction of the Delta environment resulting from oil exploration, non implementation and enforcement of environmental laws and regulations, and abuse of human rights.The paper suggests solutions for peace in the Niger Delta.

scholarly journals The transformation of the city of Zion: From decadence to justice and prophetic hope (Is. 1:1–2:5)

2016 ◽  
Vol 72 (1) ◽  
Author(s):  
Alphonso Groenewald
Keyword(s):  
People Of God ◽  
The People ◽  
To Receive ◽  
The City

This article focuses on the story of the transformation of the city called Zion. Isaiah 1:1–2:5 is the key to the book. This chapter describes the failure of Israel to be the people of God: Israel’s covenant breach, a corrupted cult and imminent punishment. It tells of the existence of two groups within Israel: the righteous remnant who would be saved and the wicked who would be judged. This chapter furthermore presents the reader with a picture of decadent Jerusalem whose sacrifices are rejected and whose prayers are no longer accepted. Isaiah 1 contains a warning of judgement against Jerusalem, whereas Isaiah 2:1–5 sketches the prophetic hope for Zion, which would lead to a pilgrimage of the nations to receive the Torah on Zion.

scholarly journals Islamic Philanthropy : Waqf Empowerment of Madina Minimarket In Tasikmalaya - Indonesia

IKONOMIKA ◽  
2020 ◽  
Vol 5 (1) ◽  
pp. 1-16
Author(s):  
Asep - Suryanto (Universitas Siliwangi,Indonesia) ◽  
Biki Zulfikri Rahmat (Universitas Siliwangi,Indonesia) ◽  
Lina Marlina (Universitas Siliwangi,Indonesia)
Keyword(s):  
Social Enterprise ◽  
Fixed Capital ◽  
Economic Empowerment ◽  
Working Capital ◽  
The People ◽  
The City

The purpose of this study was to determine the implementation of productive waqf economic empowerment in the form of a minimarket in Purbaratu, Tasikmalaya City. Grouded research used to try to develop a concept through empirical exploration of the economic empowerment of productive endowments carried out by the City of Tasikmalaya Baznas so as to produce a conceptual description of the economic empowerment of productive waqf. The results showed that the Madina minimarket is an implementation of empowering productive waqf through business activities with the concept of the people for the people (social enterprise). Madina Minimarket is built on waqf land given by waqif to the Baznas Tasikmalaya City is used as fixed capital for minimarkets while working capital is obtained from investors. Every month, the profit earned by Madina minimarket is used to pay the minimarket employees and distributed to all mosques in Purbaratu District neighborhood in the form of shopping vouchers for mosque needs.Keywords : IslamicPhilanthropy, Empowerment, Waqf

scholarly journals Yfirfærsla á málaflokki fatlaðs fólks frá ríki til sveitarfélaga: Með sérstakri áherslu á stærsta sveitarfélagið, Reykjavík

2016 ◽  
Vol 12 (2) ◽  
pp. 443
Author(s):  
Freydís Jóna Freysteinsdóttir ◽  
Gylfi Jónsson
Keyword(s):  
Qualitative Study ◽  
Considerable Improvement ◽  
The State ◽  
Municipal Services ◽  
Disabled People ◽  
Local Authorities ◽  
Interdisciplinary Work ◽  
The People ◽  
The Right ◽  
To Receive

The aim of this study was to examine how the transfer of the affairs of disabled people from the state to the municipalities had proceeded. The process of the transfer was examined and then the largest municipality, Reykjavík, was chosen for a closer examination on the policy and implementation concerning services for disabled people. A qualitative study was conducted in the autumn of 2012. Eight interviews were taken with key professionals who had been involved directly in the transfer or worked on the affairs of disabled people before or after the transfer. A specialist in the affairs of disabled people was interviewed at the Ministry of Welfare and at the Association of Local Authorities in Iceland. Furthermore, a key professional was interviewed in each of the six municipal services in Reykjavík. The interviewees believed that having decided on and gone through with the transfer was the right thing to do. They believed that services closer to the people who need it would be a better choice. The person that uses the services only needs to go to one place in order to receive it, instead of two as before. However, the interviewees had not seen a considerable improvement in the services as expected. A considerable additional funds are needed for the affair. The transition from the state to the municipalities was not sufficiently prepared. The affairs of disabled people requires a lot of interdisciplinary work as well, which the interviewees thought was proceeding well.

scholarly journals Application of Securitization of Leasing Assets

2014 ◽  
pp. 123-129
Author(s):  
I. V. Linev
Keyword(s):  
Credit Risk ◽  
Mechanical Engineering ◽  
Business Development ◽  
Cellular Communication ◽  
Training Video ◽  
The World ◽  
Different Types ◽  
The Usa ◽  
Leasing Company ◽  
To Receive

Securitization of leasing assets was widely adopted abroad within the last decades. Securitization of leasing assets usually is meant as process of formation of a portfolio based on future leasing payments of one and (or) more leasing company and sale of securities to investors for the subsequent refinancing of leasing operations. These securities can be bonds, actions or bills. Thus the asset leased, acts as providing these papers. Nomenclature of property includes office, medical (first of all, stomatology), training, video the equipment, and also a car, motor-equipment, towers of cellular communication production of heavy mechanical engineering and computers. The essence of securitization of leasing assets consists in isolation of streams of leasing payments from risk of bankruptcy of the leasing company. As the considered mechanism has the greatest development in the USA, so far as consideration of experience of its application in this country is represented especially actual. The special attention is deserved by a question of decrease in credit risk of the investor. External and internal providing is applied to its decision in different types. Interest of participants in securitization of leasing assets consists in distribution of risks between them, emergence of a new source of financing, depreciation of attracted resources, increase of liquidity of a leasing portfolio and optimization by management by balance of the enterprise. Appeal of this tool to the leasing company in a case when it has no available own funds for business development, represents separate interest. Securitization allows the leasing company to expand sources of attraction of the capital and to receive a reserve for the future, and also to broaden the sphere of options of activity and to give it new opportunities for financing of projects. Widespread introduction of schemes of securitization in practice of the Russian leasing business, requires development, and on some aspects -creation of the corresponding legislative base. In the conditions of a tendency observed around the world to broad use of this tool, which gives a powerful impulse to development both bank, and real to sectors, Russia cannot stand aside from this process.

The Son of Man–Messiah in the Fourth Book of Ezra

2020 ◽  
pp. 54-58
Author(s):  
Peter Schäfer
Keyword(s):  
Human Being ◽  
Son Of Man ◽  
The People ◽  
Four Corners ◽  
The World ◽  
To Receive ◽  
Fourth Book

This chapter talks about the eschatological connotation of the Son of Man established in Daniel, which came to light with particular clarity in the pseudepigraphic Fourth Book of Ezra. It originated after 70 CE, or more precisely around 100 CE, and is significant in its context because it refers back to the idea of the Son of Man in Daniel 7. It focuses on the line, “like the figure of a man” that is undoubtedly the same as “like a human being” in Daniel 7, although the man mentioned does not come with the clouds of heaven but at first comes up from the depths of the sea and then flies on the clouds of heaven. In contrast to Daniel, the man is not brought to God to receive dominion but instead fights for this dominion and brings final redemption to the people of Israel. With the man's appearance, a multitude gathered from the four corners of the world in order to “make war against the man who came up out of the sea.”

Digitalization and Growth of Small Businesses

2019 ◽  
pp. 142-159
Author(s):  
Indira Ananth ◽  
Dananjayan Madhava Priya
Keyword(s):  
Small Businesses ◽  
Service Providers ◽  
Point Of View ◽  
Payment Systems ◽  
Working Capital ◽  
Point Of Sale ◽  
Primary Focus ◽  
Credit Worthiness ◽  
To Receive ◽  
Capital Payment

On November 8, 2016, Government of India declared demonetization of all Rs. 500/- and Rs.1000/- currency notes towards a cashless society and create a digital India. The point of sale (PoS) and prepaid instruments are the most popular systems currently installed by merchants and service providers for receiving payments from customers. The primary focus of the study is to understand the adaptability, affordability, acceptability, and sustainability of the payments system as seen from the point of view of small merchants. A total of 221 responses were collected in Chennai. Results show that cash remains the most preferred mode for business. It is required for the working capital, payment of employee remuneration, wages, and others. With regards to the use of payment systems such as POS and prepaid instruments, awareness needs to be created of the benefits in having non-cash transactions. Improving credit worthiness and eligibility to receive loans from banks is one such benefit which would convince the merchants. However, too many systems could confuse the merchants and customers.

and solemn oath. [2] Now, if any other judges were going to decide my case, I should find the risk very frightening; for I observe that sometimes the effect of fabrications and accidents is such that the result often surprises those on trial. But coming before you I hope to receive just treatment. [3] What I most resent, Council, is that I shall be compelled to speak to you about matters which so embarrassed me that I tolerated mistreatment to avoid having them widely known. But since Simon has placed me in this difficult situation, I shall tell you the whole story without concealment. [4] And I ask, Council, that if I am guilty you show me no mercy; but if on this issue I prove that I am not guilty of the acts to which Simon swore, and in general if it becomes clear that my feelings for the lad display a folly inappropriate to my age, I ask you to think no worse of me; for you know that desire is common to all mankind, but the best and most decent man is the one who is capable of bearing his misfortunes with the most decorum. All my efforts to achieve this have been blocked by this man Simon, as I shall prove to you. [5] We both fell in love with Theodotos, a Plataian youth, Council. And I tried to win his affection by treating him well, while Simon thought that with violent and lawless behaviour he would force the boy to do whatever he wanted. It would take too long to tell all the mistreatment Thoeodotos has received from him. But what I think you should hear is his offences against me personally. [6] Discovering that the boy was with me, he came to my house at night, drunk, broke down the doors and went into the women’s quarters, when my sister and my nieces were there; and they have lived such a decent life that they are embarrassed to be seen even by their relatives. [7] Such was his violence that he refused to go until the passers-by and the people who came with him, shocked at his conduct in entering the presence of orphaned young girls, made him leave by force. And so far from regretting his outrageous conduct, he found out where we were dining and did the strangest thing, something quite incredible, unless one happened to know the man’s madness. [8] He called me from indoors, and when I came out he immediately tried to strike me; when I resisted, he stood at a distance and pelted me with stones. He actually missed me, but hit Aristokritos, who had come with him to see me, with a stone and split his forehead open. [9] Personally, Council, though I thought myself appallingly treated, I tolerated it through embarrassment at my unfortunate situation, as I have

2002 ◽  
pp. 84-84
Keyword(s):  
Difficult Situation ◽  
Young Girls ◽  
The People ◽  
Decent Life ◽  
Youth Council ◽  
The One ◽  
To Receive ◽  
The Doors

evacuation of blood occurred at a time when I was in great pain and already despaired of, I might even have died from suppuration. As it was, it was this that saved me, the evacuation of blood. To prove that in this too I am telling the truth, and that I was subjected to illness such as to reduce me to a desperate condition, as a result of the blows I received from these men, read the doctor’s deposition and that of the people who visited me. Depositions [13] So the fact that the blows I received were not slight or insignificant but that I found myself in extreme danger because of the outrageous behaviour and the violence of these people, and so the action I have brought is far less serious than they deserve, this has I think been made clear to you on many counts. And I imagine that some of you are wondering what on earth Konon will dare to say in reply to this. Now I want to warn you about the argument I am informed he has contrived; he will attempt to divert the issue away from the outrage of what was done and reduce it to laughter and ridicule. [14] And he will say that there are many individuals in the city, the sons of decent men, who in the playful manner of young people have given themselves titles, and they call some ‘Ithyphallics’, others ‘Down-and-outs’; that some of them love courtesans and have often suffered and inflicted blows over a courtesan, and that this is the way of young people. As for my brothers and myself, he will misrepresent all of us as drunken and violent but also as unreasonable and vindictive. [15] Personally, judges, though I have been angered by the treatment I have received, my indignation and feeling of having been outraged would be no less, if I may say so, if these statements about us by Konon here are regarded as the truth and your ignorance is such that each man is taken for whatever he claims or his neighbour alleges him to be, and decent men get no benefit at all from their normal life and habits. [16] We have not been seen either drunk or behaving violently by anyone in the world, nor do we think we are behaving unreasonably if we demand to receive satisfaction under the laws for the wrongs done to us. We agree that his sons are ‘Ithyphallics’ and ‘Down-and-outs’, and I for my part pray to the gods that this and all else of the sort may recoil upon Konon and his sons. [17] For these are the men who initiate each other into the rites of Ithyphallos and commit the sort of acts which decent people find it deeply shameful even to speak of, let alone do.

2002 ◽  
pp. 96-96
Keyword(s):  
Young People ◽  
Decent People ◽  
Normal Life ◽  
The People ◽  
The World ◽  
Great Pain ◽  
To Receive ◽  
The City ◽  
The Way
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