scholarly journals Treatment strategies for bad loans to microfinancial institutions: evidence from Kendari, Indonesia

2019 ◽  
Vol 16 (1) ◽  
pp. 144-153
Author(s):  
Asrip Putera ◽  
Muh. Yani Balaka
Keyword(s):  
Selection Process ◽  
Treatment Strategies ◽  
Regional Government ◽  
Microfinance Institutions ◽  
Analysis Method ◽  
Holistic View ◽  
District Government ◽  
Bad Loans ◽  
The Right ◽  
Management Advisory

The purpose of the research is to find the right strategic formula to resolve bad loans suitable to environment and characteristics of micro-financial institutions and their consumers. It applies qualitative approach by means of interactive method put forward by Milles and Huberman (2009) as analysis method. Data are obtained from indepth interview with superordinates, staff and consumers of microfinance institutions in Kendari city. A microcredit institution “Harum” needs several strategis to handle bad loans. It includes: institutional reinforcement (improvement in service procedure, increase in human resources’ skill, more branch offices, more new recuitments, the involvement of sub-district government, the use of information system), reinforcement of consumers’ capacity (tight selection process, counseling of business management, advisory service, and special relationship). The research results serve as solutions to microfinancial institutions in handling bad loans, from which development and sustainability can be assured. Consumers might make use of this information to develop their business. They also might serve as references for regional government in making the right policy for the development of micofinancial institutions and small business empowerment. This is the first study exploring formulation of strategy for microfinancial institutions in handling bad loans. The research explores internal and external aspects of microfinancial institution, with holistic view of the right policy in terms of institutions and consumers.

scholarly journals A SYSTEMATIC REVIEW OF LITERATURE ON RECRUITMENT AND SELECTION PROCESS

2019 ◽  
Vol 7 (2) ◽  
pp. 01-09
Author(s):  
Kanagavalli G. ◽  
Dr.Seethalakshmi R. ◽  
Dr.Sowdamini T.
Keyword(s):  
Systematic Review ◽  
Content Analysis ◽  
Selection Process ◽  
Working Environment ◽  
Analysis Method ◽  
Review Of Literature ◽  
Recruitment Practices ◽  
Content Analysis Method ◽  
Recruitment And Selection ◽  
The Right

Purpose of the study: The main purpose of this study is to provide a new, macro-level model of strategic staffing to bridge the gap in the knowledge regarding how practices within recruitment and selection systems can work to provide a competitive advantage among various sectors. This study identifies the various methods of recruitment and selection process through a systematic review of literature, which would be the right fit for attracting and selecting employees in an organization. Design/methodology/approach: Content analysis method is adopted to review the literature and subcategories were formed to analyze the research. Literature was collected from 40 articles of a reputed journal from 2010 to 2018. Main findings: The review of literature revealed that the recruitment and selection process is carried out in organizations by adopting latest technologies like online portals, outsourcing, job fair, campus interviews, and mobile recruitment applications. The representation of this practice is to find the best candidate for an organization. Besides adopting the latest technology, consideration of the expatriate factor would lead to an effective way of recruitment practices in finding out the right candidate for the right job and thus create a healthier work environment. The expatriate factors have not been considered well in the Indian context, but have been given importance in the global context in the process of recruitment and selection. Social Implications: Highlighting the significance of various recruitment practices results in the selection of the right person in the right job, which enhances a healthier working environment in organizations, in turn rendering high quality products and services to the society. Originality of the study: Prior research has studied various factors that influence internal recruitment, external recruitment, and selection process. This study is an attempt to analyze the expatriate factors and other factors through the content analysis method.

scholarly journals PERJANJIAN KERJASAMA PENGELOLAAN PARIWISATA TANAH LOT ANTARA PEMERINTAH DAERAH KABUPATEN TABANAN DENGAN DESA PAKRAMAN BERABAN DALAM PERSPEKTIF KEADILAN DAN KEPASTIAN HUKUM

2017 ◽  
Vol 6 (1) ◽  
pp. 52
Author(s):  
I Kadek Yudhi Pramadita
Keyword(s):  
Regional Government ◽  
Cooperation Agreement ◽  
Tourism Management ◽  
Survey Results ◽  
District Government ◽  
Legal Equality ◽  
The Law ◽  
The Right ◽  
The Village ◽  
Regional Governments

The author of this journal aims to analyze the cooperation agreement between the tourism management Tanah Lot Tabanan District Government with Pakraman Beraban not provide the right balance for the parties to the agreement and a cooperation agreement tourism management Tanah Lot justice for Pakraman Beraban.jurnal was prepared using methods using a normative juridical research approaches legislation and approach to the concept. Based on the survey results revealed that the cooperation agreement tourism management Tanah Lot between the Regional Government of Tabanan regency with Pakraman Beraban not provide the right balance for the parties to the treaty because Tabanan regency has a higher position than Pakraman Beraban, so that the rights granted to the village pakraman not the same, the imbalance is also due Tabanan District Government want to manage the DTW Tanah Lot, in accordance with Article 12 Paragraph 3 of the Law of regional governments. Further, management cooperation agreement Tanah Lot tourism fair is to revise the substance of the agreements II in chapters 8 and 9 Paragraph (1), by applying the principle of legal equality and the principle of balance. Penulis jurnal ini bertujuan untuk menganalisis perjanjian kerjasama pengelolaan pariwisata Tanah Lot antara Pemerintah Daerah Kabupaten Tabanan dengan Desa Pakraman Beraban tidak memberikan keseimbangan hak bagi para pihak dalam perjanjian tersebut serta perjanjian kerjasama pengelolaan pariwisata Tanah Lot yang berkeadilan bagi Desa Pakraman Beraban.jurnal ini disusun menggunakan metode penelitian yuridis normatif dengan menggunakan pendekatan pendekatan perundang-undangan dan pendekatan konsep. Berdasarkan hasil penelitian diketahui bahwa Perjanjian kerjasama pengelolaan pariwisata Tanah Lot antara Pemerintah Daerah Kabupaten Tabanan dengan Desa Pakraman Beraban tidak memberikan keseimbangan hak bagi para pihak dalam perjanjian tersebut karena Kabupaten Tabanan memiliki kedudukan yang lebih tinggi dari Desa Pakraman Beraban, sehingga hak yang diberikan kepada Desa pakraman tidak sama, Ketidakseimbangan tersebut juga dikarenakan Pemerintah Daerah Kabupaten Tabanan ingin mengelola sendiri DTW Tanah Lot tersebut, yang sesuai dengan Pasal 12 Ayat 3 UU Pemerintah daerah. Selanjutnya, Perjanjian kerjasama pengelolaan pariwisata Tanah Lot yang berkeadilan adalah dengan melakukan  revisi terhadap substansi perjanjian kerjasama II pada pasal 8 dan 9 Ayat (1), dengan menerapkan asas persamaan hukum dan asas keseimbangan.

Taking stock of the waqf-based Islamic microfinance model

2017 ◽  
Vol 44 (8) ◽  
pp. 1018-1031 ◽  
Author(s):  
Rose Abdullah ◽  
Abdul Ghafar Ismail
Keyword(s):  
Good Governance ◽  
Low Cost ◽  
Agency Conflicts ◽  
Microfinance Institutions ◽  
Analysis Method ◽  
Content Type ◽  
Good Corporate Governance ◽  
Content Analysis Method ◽  
Islamic Microfinance ◽  
The Right

Purpose The purpose of this paper is to explore two main aspects of waqf: the characteristics of waqf property and the management of waqf. This paper also discusses the governance of waqf management as a source of funds for Islamic microfinance institutions (MFIs). Design/methodology/approach This research uses content analysis method to examine various literatures that discuss the concept and management of waqf. Findings The characteristics of cash waqf such as permanence, irrevocability and perpetuity differentiate waqf from other type of donations. Therefore, cash waqf-based Islamic microfinance needs to be sustainable. Good corporate governance is vital to ensure the sustainability. As the donors of cash waqf do not aim to make financial profit, waqf-based Islamic MFIs will be able to provide low-cost capital to the poor entrepreneurs. Furthermore, to ensure the perpetuity of the waqf, it is suggested that only revenue from the waqf property should be used for microfinance fund. Social implications The cash waqf-based Islamic microfinance will help the micro entrepreneurs to get low-cost capital without collateral. At the same time, public can donate any amount they afford to contribute to cash waqf. Originality/value The creation of a cash waqf-based Islamic MFI must observe the issues of agency conflicts and the right of stakeholders to a transparent management. This paper emphasizes the importance of good governance in managing the waqf property as a source of fund for Islamic MFIs.

Rancang Bangun Sistem Penerimaan Dan Mutasi Barang Pada PDAM Tirta Kerta Raharja

Sensi Journal ◽  
2020 ◽  
Vol 6 (2) ◽  
pp. 236-246
Author(s):  
Ilamsyah Ilamsyah ◽  
Yulianto Yulianto ◽  
Tri Vita Febriani
Keyword(s):  
System Analysis ◽  
Object Oriented ◽  
Analysis Method ◽  
Web Based ◽  
Visual Modeling ◽  
Long Time ◽  
The Right ◽  
And Control ◽  
Web Based System ◽  
The Web

The right and appropriate system of receiving and transferring goods is needed by the company. In the process of receiving and transferring goods from the central warehouse to the branch warehouse at PDAM Tirta Kerta Raharja, Tangerang Regency, which is currently done manually is still ineffective and inaccurate because the Head of Subdivision uses receipt documents, namely PPBP and mutation of goods, namely MPPW in the form of paper as a submission media. The Head of Subdivision enters the data of receipt and mutation of goods manually and requires a relatively long time because at the time of demand for the transfer of goods the Head of Subdivision must check the inventory of goods in the central warehouse first. Therefore, it is necessary to hold a design of information systems for the receipt and transfer of goods from the central warehouse to a web-based branch warehouse that is already database so that it is more effective, efficient and accurate. With the web-based system of receiving and transferring goods that are already datatabed, it can facilitate the Head of Subdivision in inputing data on the receipt and transfer of goods and control of stock inventory so that the Sub Head of Subdivision can do it periodically to make it more effective, efficient and accurate. The method of data collection is done by observing, interviewing and studying literature from various previous studies, while the system analysis method uses the Waterfall method which aims to solve a problem and uses design methods with visual modeling that is object oriented with UML while programming using PHP and MySQL as a database.

Implementasi Sistem Informasi Monitoring Pengolahan Data Inventory Gudang Pada PT.Talaga Mulya Indah

2020 ◽  
Vol 6 (2) ◽  
pp. 187-197
Author(s):  
Nurlaila Suci Rahayu Rais ◽  
Dedeh Apriyani ◽  
Gito Gardjito
Keyword(s):  
Data Processing ◽  
Integrated Control ◽  
Unified Modeling Language ◽  
Review Literature ◽  
Analysis Method ◽  
Inventory Data ◽  
Literature Study ◽  
Unified Modeling ◽  
The Difference ◽  
The Right

Monitoring of warehouse inventory data processing is an important thing for companies. PT Talaga mulya indah is still manual using paper media, causing problems that have an effect on existing information, namely: problems with data processing of incoming and outgoing goods. And the difference between data on the amount of stock of goods available with physical data, often occurs inputting data more than once for the same item, searching for available data, and making reports so that it impedes companies in monitoring inventory of existing stock of goods. Which aims to create a system that can provide updated information to facilitate the warehouse admin in making inventory reports, and reduce errors in input by means of integrated control. In this study, the authors used the data collection method used in this analysis using the method of observation, interviews, and literature review (literature study). For analysis using the PIECES analysis method. Furthermore, the system design used is UML (Unified Modeling Language). The results of this study are expected to produce the right data in the process of monitoring inventory data processing, also can provide the right information and make it easier to control the overall availability of goods.

scholarly journals Spontaneous Resolution of Late-Onset, Symptomatic Fluid Collection Localized in the Meningioma Resection Cavity: A Case Report and Suggestion of Possible Pathogenesis

2021 ◽  
Vol 11 (3) ◽  
pp. 299
Author(s):  
Yeong Jin Kim ◽  
Tae-Young Jung ◽  
In-Young Kim ◽  
Shin Jung ◽  
Kyung-Sub Moon
Keyword(s):  
Brain Imaging ◽  
Late Onset ◽  
Fluid Collection ◽  
Good Condition ◽  
Treatment Strategies ◽  
Imaging Studies ◽  
Resection Cavity ◽  
Perilesional Edema ◽  
Posterior Neck ◽  
The Right

Postoperative complications after brain tumor surgery occur occasionally and it is important for clinicians to know how to properly manage each complication. Here, we described a rare case of late-onset, subdural fluid collection localized at the resection cavity that caused motor weakness after convexity meningioma resection, requiring differentiation from an abscess, to help clinicians determine treatment strategies. A 58-year-old right-handed female was admitted to the hospital with a headache and posterior neck pain. Brain computed tomography (CT) scans and magnetic resonance (MR) images showed a homogeneously enhanced, calcified, and multi-lobulated mass adjacent to the right motor strip without perilesional edema. The patient underwent surgery without incident or residual deficit and was discharged from the hospital in good condition. Six weeks after surgery, the patient complained of left arm monoparesis without infection-related symptoms. Brain imaging studies showed a localized fluid collection in the resection cavity with an enhanced margin and perilesional edema. Diffusion restriction was not detected. After three months of conservative treatment without surgery or antibiotics, she recovered from the neurologic deficits, and brain imaging studies showed the spontaneous regression of the fluid collection and perilesional edema. Late-onset, localized fluid collection at the resection cavity, which is similar to an abscess, could occur three to eight weeks after meningioma resection. When there are predisposing factors, including blood components and hemostatic materials in the surgical cavity, it is important for clinicians to understand this type of complication and choose conservative management as a feasible strategy.

A Spectral Optimization Algorithm for Multi-Objective Prototype Selection

1995 ◽  
Author(s):  
Andy Dong ◽  
Alice M. Agogino
Keyword(s):  
Optimization Algorithm ◽  
Parametric Design ◽  
Selection Process ◽  
Objective Evaluation ◽  
Design Synthesis ◽  
Multi Objective ◽  
Trade Offs ◽  
Spectral Optimization ◽  
The Right ◽  
Selection Of

Abstract In design synthesis, engineering prototypes make an ideal representation medium for preliminary designs. Unlike parametric design wherein a pre-specified design is parametrically varied, design synthesis demands artistic creativity and engineering experience to transform the previously known components, relationships and designs into a new form. The process compels the designer to ascertain which prototypes will, in some sense, best satisfy the design task. The challenge in this assignment lies in selecting the “right” design prototype. This selection process typically entails an objective evaluation of different designs that perform the same functions or have similar intended behavior and comparing trade-offs between alternate designs. This paper introduces a multi-objective spectral optimization algorithm for the selection of design prototypes based upon their functional representations. The optimization algorithm returns an index of rank, scoring the functional similarity of the proposed design to the goal design. Two illustrative examples apply the algorithm to the selection of a heat fin and beam.

KEPEMILIKAN DAN PENGUASAAN OBJEK JAMINAN FIDUSIA APABILA TERJADI SENGKETA WANPRESTASI DALAM PERJANJIAN KREDIT

2020 ◽  
Vol 8 (1) ◽  
pp. 78
Author(s):  
Dija Hedistira ◽  
' Pujiyono
Keyword(s):  
Economic Benefits ◽  
Civil Code ◽  
The Other ◽  
Third Party ◽  
Analysis Method ◽  
The Law ◽  
The Right

<p>Abstract<br />This article aims to analyze the ownership and mastery of a fiduciary collateral object, in cases that often occur today, many disputes between creditors and debtors in fiduciary collateral agreements are caused because creditors assume that with executive rights as fiduciary recipients, the fiduciary collateral object legally owned by creditors and creditors the right to take and sell fiduciary collateral objects when the debtor defaults unilaterally, as well as the debtor who considers that the fiduciary collateral object is owned by him because the object is registered on his name, so that the debtor can use the object free as  giving to a third party or selling the object of fiduciary guarantee unilaterally. the author uses a normative <br />juridical approach, and deductive analysis method based on the Civil Code and fiduciary law applicable in Indonesia, Law No. 42 of 1999 concerning Fiduciary Guarantees. The conclusion of the discussion is the ownership of the object of the Fiduciary Guarantee is owned by the debtor in accordance with the Law, mastery of the object of collateral controlled by the debtor for economic benefits, the procedure of execution The object of Fiduciary Guarantee is carried out in accordance with the Fiduciary Guarantee Act, an alternative mediation in resolving the dispute. There needs to be clarity in the use of language in making a law, so as not to conflict with each other between Article one and the other Articles.<br />Keywords: Ownership; Mastery; Object of Fiduciary Guarantee; Debtor; Creditors.</p><p>Abstrak<br />Artikel ini bertujuan untuk menganalisis tentang kepemilikan dan penguasaan suatu objek jaminan fidusia, dalam kasus yang saat ini sering terjadi, banyak sengketa antara kreditur dan debitur dalam perjanjian jaminan fidusia disebabkan karena kreditur beranggapan bahwa dengan adanya hak eksekutorial sebagai penerima fidusia, maka objek jaminan fidusia tersebut secara sah dimiliki oleh kreditur dan kreditur berhak mengambil dan menjual objek jaminan fidusia saat debitur cidera janji<br />(wanprestasi) secara sepihak, begitupun dengan debitur yang menganggap bahwa objek jaminan fidusia tersebut dimiliki olehnya karena objek tersebut terdaftar atas namannya, sehingga debitur dapat mempergunakan objek tersebut secara bebas seperti menyerahkan kepada pihak ketiga atau menjual objek jaminan fidusia tersebut secara sepihak. penulis menggunakan pendekatan yuridis normatif, dan metode analisis deduktif yang didasarkan pada Kitab Undang-Undang Hukum Perdata<br />dan hukum jaminan fidusia yang berlaku di Indonesia, Undang-Undang No. 42 Tahun 1999 tentang Jaminan Fidusia. Kesimpulan pembahasan adalah Kepemilikan Objek Jaminan Fidusia dimiliki oleh debitur sesuai Undang-undang, penguasaan objek jaminan dikuasai debitur untuk manfaat ekonomis, prosedur eksekusi Objek Jaminan Fidusia dilakukan sesuai dengan Undang-Undang Jaminan Fidusia, alternatif secara mediasi dalam menyelesaikan sengketa yang terjadi. Perlu ada kejelasan dalam<br />penggunaan bahasa pada pembuatan suatu Undang-Undang, agar tidak saling bertentangan antar Pasal satu dengan Pasal yang lainnya. <br />Kata Kunci: Kepemilikan; Penguasaan; Objek Jaminan Fidusia; Debitur; Kreditur.</p>

scholarly journals Evolution of the hypsometric relationship in Araucaria angustifolia plantations in the mid-south region of Paraná state

CERNE ◽  
2010 ◽  
Vol 16 (3) ◽  
pp. 347-357 ◽  
Author(s):  
Afonso Figueiredo Filho ◽  
Andrea Nogueira Dias ◽  
Sintia Valerio Kohler ◽  
Aline Angélica Verussa ◽  
Ademar Luiz Chiquetto
Keyword(s):  
Coefficient Of Determination ◽  
Generic Model ◽  
Araucaria Angustifolia ◽  
Analysis Method ◽  
Total Height ◽  
The Past ◽  
Satisfactory Performance ◽  
Standard Estimate ◽  
Estimate Error ◽  
The Right

The aim of this study was to assess and model the evolution of the hypsometric relationship in Araucaria angustifolia plantations grown in the 1940's and 1960's in the Irati National Forest, in the mid-south region of Paraná state, Brazil. Using the complete stem analysis method, it was possible to reconstitute the past annual growth of the diameter at 1.3 m (d) and of the total height (h) of a sample of 30 trees, selected so as to cover diametric and age variability. Eleven discs were removed from each tree at 0.1 and 1.3 m and at 15, 25, 35,..., 95% of the total height. Eleven models traditionally used in hypsometric relationships were tested, two of which were considered generic because they involved the age variable. The models were selected based on the Adjusted Coefficient of Determination (R²Adj), Standard Estimate Error (Syx), absolute (m) and relative (%), and on the graphic distribution of residues in percentage. In the models tested by age, no tendencies were observed and erros (Syx) remained below 14.6%, except for ages 5 and 11. However, the coefficients of determination were low, ranging from 0.29 to 0.55. The Curtis generic model (1970), selected to represent the h/d curve for all ages, also presented a satisfactory performance (R²Adj = 0.87 and Syx = 16%), with results similar to those obtained for the models in each age. As age increases, the h/d curve shifts to the right and changes level, remaining steep at the younger ages and more stable and flat as the population nears the end of its cycle.

scholarly journals Use And Comparison of Topis And Electre Methods In Personnel Selection

2018 ◽  
Vol 22 ◽  
pp. 01021 ◽  
Author(s):  
Bilgin Şenel ◽  
Mine Şenel ◽  
Gizem Aydemir
Keyword(s):  
Personnel Selection ◽  
Selection Process ◽  
Minimum Cost ◽  
Point Of View ◽  
Blue Collar Worker ◽  
Automotive Company ◽  
Worker Selection ◽  
Electre Method ◽  
The Right ◽  
Short Time

One of the most important function of human resources is personnel selection process. This process should be done professionally, in a short time and with minimum cost. After personnel selection process, performance of the hired person is very important for the permanence and success of the company. From this point of view, the aim of this study is to select a personnel among the candidates efficiently, with minimum cost and within a short time in one of the leading companies of Turkey in automotive sector. In order to select the right personnel all criterias which has great impact on blue collar worker selection was decided and these criterias are weighted. From the candidate pool of automotive company, appropriate candidates were selected by using TOPSIS AND ELECTRE method which are multi-criteria decision making methods

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