scholarly journals Penyelesaian Perjanjian Kredit Terhadap Debitur yang Wanprestasi di Pt. Bank Perkreditan Rakyat Hari Depan Denpasar

2021 ◽  
Vol 2 (3) ◽  
pp. 531-536
Author(s):  
Ni Made Lady Ruslya ◽  
I Nyoman Putu Budiartha ◽  
Ida Ayu Putu Widiati
Keyword(s):  
Developing Country ◽  
Empirical Research ◽  
Economic Activities ◽  
Community Associations ◽  
Bank Staff ◽  
Qualitative Descriptive ◽  
Last Stage ◽  
The Government ◽  
Credit Agreement

Indonesia is a developing country, this development is followed by rapid competition. In carrying out activities in any field, especially in economic activities, the community should not act recklessly but must follow the applicable norms. The government in an effort to equalize the welfare of its people creates a forum for community associations to process funds owned or borrowed funds to open a business. One of them is a bank that is engaged in the financial sector. People's credit banks are the government's solution to provide convenience to the community but with terms and conditions in the lending process. Every community who wants to borrow money for certain purposes can be done at BPR, those who want to borrow capital must have collateral which will later be calculated according to the desired loan, but it is not uncommon for bank staff to not think about the amount of collateral used with borrowed funds, resulting in frequent defaults. This study examines the factors that cause default in the credit agreement at PT. The People's Credit Bank for the Future of Denpasar and explained the efforts of PT. The People's Credit Bank of Denpasar is in the process of settling debtors who are in default. Researchers conduct direct information searches through interviews or empirical research with a case and legislation approach. Furthermore, the data were analyzed using qualitative descriptive. The factor for the occurrence of default is due to the negligence of the bank in complying with the rules that have been outlined. Efforts made to customers who are in default are conducting coaching, rescuduling, reconditioning and restructuring, if not fulfilled, a settlement will be carried out under the hands of selling both parties, the last stage is the determination of execution through the court. If the determination has been granted, the creditor immediately carries out the execution in accordance with.

scholarly journals Penyelesaian Kredit Macet di Koperasi Sumber Kasih Desa Tangeb, Kecamatan Mengwi, Kabupaten Badung

2021 ◽  
Vol 2 (3) ◽  
pp. 570-575
Author(s):  
I Kadek Nova Astrawan ◽  
Anak Agung Sagung Laksmi Dewi ◽  
Luh Putu Suryani
Keyword(s):  
Economic Development ◽  
Developing Country ◽  
Research Methods ◽  
Government Regulations ◽  
Community Associations ◽  
Legal Science ◽  
Bank Staff ◽  
Direct Data ◽  
Bad Loans ◽  
The Government

Indonesia is a developing country with various kinds of economic development. Bound by government regulations, the community cannot act arbitrarily and must follow applicable norms. The government in an effort to equalize the welfare of its people creates a forum for community associations to manage their funds or borrow funds to open a business. The purpose of this study is to reveal the legal arrangements for bad loans at KSU Sumber Kasih, Tangeb village and the settlement of bad loans at KSU Sumber Kasih, Tangeb village. This research applies normative research methods. Sources of data used in the form of primary and secondary legal materials. This research was conducted by looking for direct data from the field and through legal science books and connecting with the issues raised and then linking them to the current legislation which was then analyzed systematically. The results of the study reveal that Rural Banks are the government's solution to provide convenience to the community but with terms and conditions in the lending process. Every community who wants to borrow money for certain purposes can be done at BPR, those who want to borrow capital must have collateral which will later be calculated according to the desired loan, but it is not uncommon for bank staff not to think about the amount of collateral used with borrowed funds, this often happens. default

scholarly journals Implementasi Undang – undang Nomor 39 Tahun 2007 Tentang Cukai Terhadap Produk Hasil Pengolahan Tembakau Lainnya Berupa Liquid Personal Vaporizer yang tidak Dilengkapi oleh Pita Cukai

2021 ◽  
Vol 6 (1) ◽  
pp. 68-74
Author(s):  
Dimas Tragari Eldo Widodo ◽  
Anindya Bidasari ◽  
Suciati Suciati
Keyword(s):  
Field Research ◽  
Legal Research ◽  
Legal Provisions ◽  
Legal Remedy ◽  
Qualitative Descriptive ◽  
The Government ◽  
Processed Products ◽  
Descriptive Method

The background of this research is that the determination of Customs collection on Liquid Personal Vaporizer can be concluded that the government has found an answer to the debate that has been happening in Indonesia regarding the prohibition of Personal Vaporizer. As for the formulation of the problem in this research is How the Implementation of “Law No. 39 of 2007” concerning Customs for other tobacco processing products in the form of Liquid Personal Vaporizer, How is the solution or legal remedy in the process of implementing Customs on other tobacco processed products in the form of Liquid Personal Vaporizer which is not equipped with Customs stamps. The type of research in this research is sociological juridical which in other words is a type of sociological legal research and can also be called field research, which examines the applicable legal provisions and what happens in reality in society. While the dataVanalysis technique uses a qualitative descriptive method. The conclusion obtained by the researchers from the results of this research is that although most of them are regulated by ministerial regulations, the application of Customs for HPTL products in the form of Liquid Personal Vaporizers is still based on Law No.39 of 2007 concerning Customs for all regulations related to the application of Customs. And also the legal settlement for Liquid Personal vaporizer that is not equipped with Customs stamps in the Malang Customs Customs KPPBC area using non-penal channels for the settlement.

scholarly journals Implementasi Program Keluarga Harapan Di Dinas Sosial Kabupaten Donggala

2021 ◽  
Vol 3 (2) ◽  
pp. 100-107
Author(s):  
Haeruddin Haeruddin
Keyword(s):  
Code Of Ethics ◽  
Relevant Information ◽  
The Social ◽  
The Family ◽  
Qualitative Descriptive ◽  
Descriptive Approach ◽  
The Government ◽  
Technical Guidance ◽  
Model Approach

The purpose of this study was to find out the implementation of the Family Hope Program (PKH) Policy at the Social Office of Donggala Regency. The research method uses a qualitative descriptive approach. Determination of informants is done purposively. Collecting data using observation, interviews and documentation. Data analysis used the Miles and Huberman interactive model approach, namely data collection, condensation, display and data verification. The results of the study indicate that: (1) Aspects of communication, PKH implementers in Donggala Regency have built communication between the parties, providing relevant information, but socialization is not routinely carried out to the parties, especially cross-agency officials who need this information. (2) resources (Resouces), the availability of resources in the implementation of the Family Hope Program in Donggala Regency is supported by the availability of PKH human resources (HR) recruited under the conditions of academic standards and experience set by the Ministry of Social Affairs, then strengthened by training and technical guidance and has met the ratio of 1 (one) social assistant accompanying 250KPM, (3) the implementer (disposition), in terms of loyalty, commitment and honesty of the implementer in the implementation of the family hope program has been running in accordance with the code of ethics set by the institution, based on values and polite attitude, integrity and professionalism. (4) the bureaucratic structure, the implementation of PKH activities has been carried out based on the source of the Operational Procedure (SOP), as well as fragmentation in the form of distribution of authority, the hierarchy has run quite synergistically between the government units involved.

scholarly journals SUBJEK AGRARIA PADA LOKASI KONFLIK KAWASAN TRANSMIGRASI (STUDI KASUS: UNIT PEMUKIMAN TRANSMIGRASI ARONGO, KABUPATEN KONAWE SELATAN)

2020 ◽  
Vol 2 (4) ◽  
pp. 128
Author(s):  
Aryuni Salpianja Jabar ◽  
Danial Danial ◽  
Albasri Albasri ◽  
Yoenita Djayadisastra ◽  
Wa Ode Lusianai ◽  
...  
Keyword(s):  
Local Government ◽  
Agricultural Land ◽  
Agrarian Reform ◽  
Conflict Analysis ◽  
Depth Information ◽  
Reform Program ◽  
Qualitative Descriptive ◽  
Local Residents ◽  
The Government

The presence of an agrarian reform program in the current administration provides new hope for the management of more prosperous agricultural land, not least on transmigration lands. Especially in the determination of the Land of Agrarian Reform Objects (TORA) transmigration land received a share of 0.6 million hectares from 9 million hectares of the government's target. Unfortunately, until now there are still many images of transmigration lands that are far from expectations. This means that there are still many transmigration lands involved in conflicts both vertically and horizontally. This paper aims to analyze conflicts on transmigration lands located in UPT. Arongo, South Konawe Regency, Southeast Sulawesi Province. Conflict analysis is directed at mapping agrarian subjects involved in a conflict. Qualitative descriptive methods are used to obtain in-depth information related to the agrarian subject. The results showed conflict in the UPT transmigration land. Arongo consists of 3 agrarian subjects namely elements of government, private and community. The government element is represented by the local government, transmigration service and National Land Agency. Community elements consist of local residents, migrants who are not directly affected and transmigrants whose land is directly affected. Community elements were also formed within the United Farmers Konawe Selatan and Konsorsium Pembaruan Agraria (KPA). While PT. Merbau Jaya Indah Raya Group is part of the agrarian subject of the private element.

scholarly journals Development of Tourism Based on Empowerment of Community in Mandeh Tourism Area of Pesisir Selatan West Sumatra

2019 ◽  
Vol 8 (2) ◽  
pp. 60-70
Author(s):  
Sarbaitinil Sarbaitinil
Keyword(s):  
Community Involvement ◽  
Community Based ◽  
Marine Tourism ◽  
Interactive Analysis ◽  
Transport Services ◽  
West Sumatra ◽  
Qualitative Descriptive ◽  
Descriptive Approach ◽  
The Government

The aim of this study is to formulate a model for developing marine tourism by empowering the potentials of the Mandeh tourism area community. This is because the community involvement in tourism development is still low and still at the level of independent participation. With a community-based approach the community's sense of belonging is expected. This study uses a qualitative descriptive approach to get detail picture of the experiences of individuals in the development of community-based marine tourism. The determination of informants was obtained by purposive sampling techniques, such as the government and tourism stakeholders, tourists and the coastal communities of the Mandeh tourism area. In order to obtain valid data basedon reality, data triangulation is used, while data analysis techniques used is interactive analysis. The results of this study indicate that the Mandeh region has potential resources that can be developed by empowering the community as implementing actors. The recommended alternative model for developing marine tourism uses the empowerment of community approach and emphasizes full involvement of the community in the process of developing marine tourism, such as diving, swimming, crossing the islands using speedboad transport services, and inviting tourists to see coral reef in the sea.

scholarly journals SATUAN POLISI PAMONG PRAJA DAN WILAYATUL HISBAH DALAM PENEGAKAN QANUN DI KABUPATEN ACEH BARAT

2017 ◽  
Author(s):  
Apri Rotin Djusfi ◽  
Cut Rina
Keyword(s):  
Sampling Method ◽  
Civil Service ◽  
Living Environment ◽  
Descriptive Research ◽  
Norms And Values ◽  
Qualitative Descriptive ◽  
Important Means ◽  
The Government ◽  
The Relationship

The purpose of this research is to know the duties and functions of civil service police unit and wilayatul hisbah in enforcing qanun. Determination of the sample is done by purposive sampling method The research method used qualitative descriptive research. Data collection techniques used three ways: observation, interview, and documentation. The results showed that the tasks of Satuan Pamong Praja Police Unit essentially bind the relationship between members / groups / members of society with the government, basically the three pillars that are related to each other and can not be separated. The three pillars are: First, tranquility is a feeling of the soul of a person (community member) who enjoys his life comfortably free from both physical and spicical disturbances and threats. All activities, creativity, productivity of citizens can be done without fear of fear and worry. Second, peace is an order in a living environment manifested by the existence of human behavior, both personal and as a member of society that adheres to the rules of religious norms, social norms and applicable legislation. Thirdly, the enforcement of regulations (including norms and values) is an important means for the realization of order. Satpol PP and WH Kabupaten Aceh Barat have the task of upholding Qanun and organizing peace and public order and protection of society and enforcement of syariat islam. Keywords: Civil Service Police Unit, the WH, Enforcement Qanun

ANALISIS IMPLEMENTASI PENCEGAHAN PENCUCIAN UANG MENGGUNAKAN CUSTOMER DAN ENHACED DUE DILLIGENCE DI BANK SYARIAH MANDIRI JAKARTA

Paradigma ◽  
2020 ◽  
Vol 17 (1) ◽  
pp. 72-86
Author(s):  
Siti Noviatun ◽  
Isfandayani
Keyword(s):  
Money Laundering ◽  
Data Retrieval ◽  
Data Display ◽  
Suspicious Transaction ◽  
Qualitative Descriptive ◽  
Proceeds Of Crime ◽  
The Government ◽  
Transaction Services ◽  
Data Reductions ◽  
Descriptive Method

Abstract             The main fuction of the Bank as an funding and lending activities by offering various types of financial transaction services an attractive choice for people who do money laundering to hide money proceeds of crime. Because of that the government and Indonesian Banks make regulations related prevent money laundering that contains Customer Due Dilligence and Enhanced Due Dilligence. Bank Mandiri Syariah has implementation Customer Due Dilligence and Enhanced Due Dilligence as an effort to prevent money laundering. This analyze aims for knowing implementation Customer Due Dilligence and Enhanced Due Dilligence that has been applied by Bank Syariah Mandiri. In this study using a qualitative descriptive method. Data retrieval is done by observation, interviews and documentation to three sources of informants Bank Syariah Mandiri KCP Bekasi Timur and one sources of informants that specifically handles money laundering prevention program that is SKAP( Satuan Kerja APU PPT) Bank Mandiri Syariah. Data analysis will be done by doing three steps, they are; data reductions, data display, and verification.The observation result shows that implementation Customer Due Dilligence done at the time prospective customer open the account and the Bank doubt information customer by doing identification and verification. implementation Enhanced Due Dilligence is done to customers Politically Exposed Person/ High Risk open the account, but in practiceat Bank Syariah Mandiri KCP Bekasi Timur done when there is suspicious transaction or there is a case. Reporting process suspicious transaction through the system SIAP (System Aplikasi APU PPT) to Satuan Kerja APU PPT (SKAP) Bank Syariah Mandiri then SKAP reports to PPATK (Pusat Pelaporan Analisis Transaksi Keuangan). From implementation Customer Due Dilligence and Enhanced Due Dilligence Bank Mandiri Syariah has been prevent money laundering enter the financial system at Mandiri Sharia Bank.

PERANAN INSPEKTORAT KABUPATENSUMENEP DALAM MENCEGAH DAN MENDETEKSI FRAUD DI DINAS PENDIDIKAN SUMENEP

2015 ◽  
Vol 5 (1) ◽  
Author(s):  
Astri Furqani ◽  
Hafidhah .
Keyword(s):  
Local Government ◽  
Qualitative Study ◽  
Asset Management ◽  
Sampling Technique ◽  
Research Data ◽  
Qualitative Approach ◽  
Primary Data ◽  
The Government

In this era, a lot of activities that can not be separated from the practice of cheating or fraud , no exception In the government . Inspektorat Sumenep is the leading institution of internal Local Government in preventing and detecting fraud in the Local Government appropiate Perbup Sumenep No. 29 of 2008 . Dinas Pendidikan Sumenep need attention on the issue . This is due to Dinas Pendidikan Sumenep an agency with the largest number of assets and managing large budgets . These conditions led to the formulation of the problem is How Inspektorat Sumenep role in preventing and detecting fraud in Dinas Pendidikan Sumenep. This study used a qualitative approach in which the focus of this study is Inspektorat role in preventing and detecting fraud at Dinas Pendidikan Sumenep . Primary data obtained by direct interviews with the parties directly related to the determination of the source of research data in a qualitative study using nonprobability sampling . The sampling technique used was purposive sampling . The conclusion of this study, role of the Inspektorat Sumenep in the prevention of fraud in Dinas Pendidikan Sumenep still not maximal . This is due to Inspektorat Sumenep not supervise from the planning / budgeting and not optimal in overseeing and assisting the implementation of the SPIP as an instrument of fraud prevention in Dinas Pendidikan Sumenep . The role of Inspektorat Sumenep in the detection of fraud in Dinas Pendidikan Sumenep done by conducting an audit of financial and asset management in each financial year.Keywords: fraud, government, inspektorat.

The Validity of Rector�s Circular Letter on the Covid-19 Pandemic

2020 ◽  
Vol 7 (1) ◽  
pp. 126 ◽  
Author(s):  
Fradhana Putra Disantara
Keyword(s):  
Legal Theory ◽  
Legal Issues ◽  
State Universities ◽  
Ministry Of Education ◽  
Conceptual Approach ◽  
State Of Emergency ◽  
Circular Letter ◽  
The Status ◽  
The Government

This study aims to analyze the relevance of the �health emergency� status to the existing legal theory and condition as well as to identify the validity of the Circular Letter of the Rector of State Universities. To this end, this study applied the statute and conceptual approach. The study was conducted by inventorying primary and secondary legal materials to obtain a proper and critical review of the legal issues under study. The results showed that the determination of the �health emergency� status by the government was inappropriate due to the uncertainty of the regulations issued by the government to determine the current condition. Thus, the status of the COVID-19 pandemic is a �legal emergency� status. Further, the Rector�s policy through the Circular Letter is valid judicially, sociologically, and philosophically. The determination of the �legal emergency� status can be done by issuing a Perppu without a �state of emergency� from the President. Finally, it is suggested to firstly get an approval from the Ministry of Education and Culture regarding the issuance of the Rector�s Circular Letter. Besides, further study is needed as this study was conducted during the COVID-19 pandemic.�Keabsahan Surat Edaran Rektor Perguruan Tinggi dalam Pandemi Covid-19Tujuan dari penelitian ini adalah untuk menganalisa relevansi status �darurat kesehatan� dengan teori hukum dan kondisi yang ada dan keabsahan atas Surat Edaran Rektor Perguruan Tinggi Negeri. Metode yang digunakan dalam penelitian ini adalah statute approach dan conseptual approach. Penelitian dilakukan dengan menginventarisasi bahan hukum primer dan sekunder, guna mendapatkan kajian yang seyogianya dan telaah kritis terkait isu hukum. Hasil penelitian menyatakan penetapan status darurat kesehatan oleh pemerintah kurang tepat, dikarenakan tidak menentu-nya peraturan yang dikeluarkan oleh pemerintah untuk menetapkan kondisi saat ini. Sehingga, status pandemi COVID-19 merupakan status darurat hukum. Kebijakan rektor melalui Surat Edaran adalah absah secara aspek yuridis, sosiologis, dan filosofis. Penetapan darurat hukum cukup dilakukan dengan menerbitkan Perppu tanpa pernyataan darurat dari Presiden. Saran peneliti adalah di perlukan persetujuan pada Kementerian Pendidikan dan Kebudayaan terkait terbitnya Surat Edaran Rektor, dan dibutuhkan penelitian lebih lanjut dikarenakan penelitian ini dilakukan pada masa COVID-19 yang bersifat temporal.�

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