scholarly journals ANALISIS MANAJEMEN RISIKO PRODUK KAFALAH (STUDI PADA BANK MUAMALAT INDONESIA BANDA ACEH)

2014 ◽  
Vol 3 (1) ◽  
Author(s):  
Satria Munawir
Keyword(s):  
Banking Sector ◽  
Descriptive Analysis ◽  
Field Research ◽  
Analysis Method ◽  
Fixed Asset ◽  
Islamic Perspective ◽  
Library Research ◽  
Reputation Risk ◽  
Islamic Jurisprudence ◽  
Banda Aceh

Kafalah is a guarantee of a guarantor, either in the form of self assurance and treasure to the second party in relation to the rights and obligations of both parties that the other party. In banking sector, implementation of the concept is well known as a bank guarantee, which is a guarantee in the form of paper issued by the bank which resulted in the obligation to pay to the party receiving the collateral if the guaranteed party breach the contract. This article aims to study the implementaion of kafalah product at BMI Banda Aceh including strategies in preventing risks related the products. It also examines the implementation of kafalah from an Islamic perspective. In finding the answer, this article employes qualitative approach. Data was collected through field research and library research which was then analized using descriptive analysis method. The results show that the product kafalah undertaken by BMI Branch of Banda Aceh is a form of insurance that includes guaranteed tender, performance bonds, warranties advance, and guarantee maintenance with a deposit of 100% cash collateral to the insurance value is small and a deposit of 60% of fixed asset plus 40% cash collateral for eprtanggungan whose value is greater than the value of the desired assurance customers. Moreover, the client or the insured must enter into cooperation agreements with project leaders to work on a particular project. Tips management undertaken by BMI Branch Banda is analyzing the customer or contractor using character analysis and collateral is more dominant than the overall analysis of 5C, because the BMI-related risks faced by the provision of guarantees / kafalah is credit risk and reputation risk. From the Islamic perspective, the implementation of kafalah has complied with Islamic jurisprudence. Keywords: Analysis, Risk Management, Kafalah, Bank Muamalat Indonesia

scholarly journals The Implementation of Verdict Execution on Providing Maḍiyah Maintenance Following Divorce According to Islamic Law (Case Study in Syar’iyyah Court Banda Aceh)

2020 ◽  
Vol 4 (2) ◽  
pp. 416
Author(s):  
Soraya Devy ◽  
Dwi Mekar Suci
Keyword(s):  
Islamic Law ◽  
Descriptive Analysis ◽  
Qualitative Approach ◽  
Analysis Method ◽  
Islamic Perspective ◽  
Execution Order ◽  
Banda Aceh

The article discusses the procedures of filing a plea to execute verdicts on providing māḍiyah maintenance and the effort to implement the verdicts in Syar’iyyah Court Banda Aceh.  The study was conducted with a qualitative approach and the collected data were analyzed with a descriptive-analysis method based on Islamic law perspective. The result shows that the procedure and the legal effort to file an execution toward the verdict related to māḍiyah maintenance in Syar’iyyah Court are distinguished into two types of divorce, i.e. talak divorce and filed divorce. In talak divorce, the execution of the verdict related to maintenance is conducted during the reading of the talak pledge. In the filed divorce, the ex-wife’s lawsuit related to maintenance which is neglected by the ex-husband is entitled to be legally sued through filing a plea on execution. The phases as follows: (1) the ex-wife files a plea of execution to the court, (2) pay the execution cost, (3) aanmaning (a warning to the defendant), (4) the ex-husband and ex-wife comply with the summons by the court, (5) the court establishes executorial beslag (executing confiscation), (6) the court establishes an execution order, (7) an auction. According to the Islamic perspective, the execution of māḍiyah maintenance can be conducted following the ex-wife’s lawsuit to the court. The execution of māḍiyah maintenance can be performed by the court based on the valid provisions of executing māḍiyah maintenance in Syar’iyah Court upon consideration of benefit and expediency principles.

scholarly journals ANALISIS METODE PERHITUNGAN PPH 21 GAJI PEGAWAI TETAP TERHADAP LABA PADA PT. ABC

2019 ◽  
Vol 6 (2) ◽  
pp. 36
Author(s):  
Nur Rachmah Wahidah
Keyword(s):  
Calculation Method ◽  
Descriptive Analysis ◽  
Field Research ◽  
Research Data ◽  
Analysis Method ◽  
Library Research ◽  
Permanent Employees

Abstrak-Tujuan yang ingin dicapai dari penelitian ini adalah untuk mengetahui metode perhitungan pph 21 Gaji pegawai tetap terhadap laba pada PT. ABC. Data penelitian diperoleh penulis melalui penelitian lapangan baik dengan cara observasi maupun wawancara serta didukung dengan peneltian pustaka. Metode Analisis yang digunakan penulis adalah metode analisis deskriptif yang bersifat komparatif  yaitu dengan cara mengumpulkan data dan informasi yang berkaitan dengan penerapan PPH21. Dari Hasil Penelitian dapat disimpulkan bahwa metode yang digunakan adalah 3 yaitu metode yang di tanggung karyawan, metode yang ditanggung perusahaan dan metode grossup. Kata Kunci : Perhitungan PPh 21, Laba  Abstract - The objective to be achieved from this research is to find out the pph 21 calculation method for salaries of permanent employees to profits at PT. A B C. The research data obtained by the author through field research both by observation and interview and supported by library research. The analysis method used by the author is a comparative descriptive analysis method that is by collecting data and information relating to the application of PPH21. From the results of the study it can be concluded that the method used is 3, the method at the responsibility of the employee, the method borne by the company and the gross method. Keywords: 21 PPh calculation, Profit

scholarly journals ANALISIS PENERAPAN PRINSIP MENGENAL NASABAH PADA BANK ACEH SYARIAH BANDA ACEH

2013 ◽  
Vol 2 (1) ◽  
Author(s):  
Husnawati Husnawati
Keyword(s):  
Money Laundering ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Operational Risk ◽  
Analysis Method ◽  
Legal Risk ◽  
Reputational Risk ◽  
Library Research ◽  
Customer Identification ◽  
Banda Aceh

This study aims to identify the systems and procedures that is applied at Bank Aceh Syariah (BAS) Banda Aceh in knowing of its customers. In specific, it aims to analyze the effectiveness of the implementation of Knowing Your Customer (KYC) Principle at BAS. This study employs both primary and secondary data which was obtained through field and library research. The data was analyzed using descriptive analysis method. The results show that in knowing its customers, BAS Banda Aceh taken several steps of customer identification includes the identity check, occupation, source of funds, and the purpose of the use of funds. The implementation of the KYC principle in BAS Banda Aceh has effectively overcome and prevented the banking crimes such as money laundering. The implementation of the principle is intended to embolden the implementation of prudential principles in order to reduce business risks such as operational risk, legal risk, concentration risk, and reputational risk. =========================================== Penelitian ini bertujuan untuk mengidentifikasi sistem dan prosedur yang diterapkan Bank Aceh Syariah (BAS) Banda Aceh dalam mengenal nasabah. Secara khusus, penelitian bertujuan untuk menganalisis efektifitas penerapan Prinsip Mengenal Nasabah pada BAS. Data untuk penelitian ini bersumber dari data primer melalui kajian lapangan, dan data sekunder melalui kajian kepustakaan. Analisis data menggunakan metode deskriptif analisis. Dari hasil penelitian dapat diketahui bahwa sistem dan prosedur yang diterapkan BAS Banda Aceh dalam mengenal nasabah yaitu identifikasi calon nasabah yang meliputi identitas, pekerjaan, sumber dana dan tujuan penggunaan dana yang dilengkapi dokumen pendukung. Penerapan Prinsip Mengenal Nasabah (Know Your Customer Principle) pada BAS Banda Aceh efektif dalam mengatasi kejahatan-kejahatan dalam dunia perbankan seperti pencucian uang. Penerapan prinsip tersebut dimaksudkan agar mendorong terselenggaranya prinsip kehati-hatian dalam rangka mengurangi risiko usaha yang dihadapi bank dalam menjalankan kegiatan usaha yaitu operational risk, legal risk, concentration risk, dan reputational risk.

scholarly journals MANAJEMEN RISIKO PEMBIAYAAN QARDHUL HASAN MENURUT PERSPEKTIF EKONOMI ISLAM (STUDI PADA BAITUL QIRADH AMANAH BANDA ACEH)

2014 ◽  
Vol 3 (1) ◽  
Author(s):  
Bustami Bustami
Keyword(s):  
Descriptive Analysis ◽  
Field Research ◽  
Secondary Data ◽  
Primary Data ◽  
Due Date ◽  
Library Research ◽  
Analysis Technique ◽  
Application Analysis ◽  
Financing Risk ◽  
Banda Aceh

Qardhul hasan financing aims to help borrowers who have an urgency need, either for consumptive or productive purposes. This study aims to explore the mechanism of qardhul hasan financing at Baitul Qiradh (small Islamic rural bank) Amanah Banda Aceh and the strategic employed in managing its risk. This study used primary data that was obtained through field research and secondary data that was obtained through library research. The data was then analyzed using descriptive analysis technique. The findings show that the mechanism of qardhul hasan financing at Baitul Qiradh Amanah has several stages, namely application, analysis and investigation, decision, fund lending, and returning phase. The strategic used to prevent financing risk as follow: managing financing administrative, determining the terms and criteria, conducting analysis for customer prospective, assigning officers that supervise the financing activities and collect the monthly payments. For non-performing financing, the Baitul Qiradh employs risk management system strategic such as rescheduling and write off. Rescheduling was conducted by extending the payment due date, and write off was only given for customers who do not have any possibility to repay due to their condition of economy. =========================================== Pembiayaan qardhul hasan bertujuan untuk menolong peminjam yang berada dalam keadaan terdesak, baik untuk hal-hal yang bersifat konsumtif maupun produktif. Penelitian ini bertujuan untuk mengeksplorasi mekanisme pembiayaan qardhul hasan pada Baitul Qiradh Amanah dan strategi penanggulangan risikonya. Metode yang digunakan dalam penelitian ini adalah deskriptif analisis, sedangkan teknik pengumpulan data primer diperoleh melalui penelitian lapangan dan data sekunder melalui penelitian kepustakaan. Dari hasil penelitian dapat diketahui bahwa, mekanisme pembiayaan qardhul hasan pada Baitul Qiradh Amanah Banda Aceh memiliki beberapa tahap, yaitu tahap permohonan pembiayaan qardhul hasan, tahap analisis dan penyelidikan pembiayaan qardhul hasan, tahap keputusan atas permohonan pembiayaan qardhul hasan, tahap pencairan pembiayaan qardhul hasan dan tahap pengembalian pembiayaan qardhul hasan. Sedangkan strategi penanggulangan risiko yang dilakukan adalah dengan mengatur administrasi pembiayaan, menentukan syarat dan kriteria yang harus dipenuhi untuk mengajukan permohonan pembiayaan, mengadakan analisa terhadap calon nasabah, menetapkan petugas yang mengawasi penggunaan pembiayaan dan menetapkan petugas penagihan pembiayaan. Terhadap pembiayaan qardhul hasan bermasalah, sistem manajemen risiko, yang diterapkan adalah perpanjangan waktu dengan pengurangan jumlah cicilan agar para nasabah dapat melunasi sedikit demi sedikit seluruh pinjamannya. Cara berikutnya pemutihan yaitu penghapusan piutang setelah dilakukan pengecekan terhadap kondisi usaha nasabah.

scholarly journals MEKANISME PERHITUNGAN KEUNTUNGAN DAN PENGARUHNYA TERHADAP BAGI HASIL (STUDI TERHADAP PEMBIAYAAN MUDHARABAH PADA BPRS HIKMAH WAKILAH BANDA ACEH)

2013 ◽  
Vol 2 (1) ◽  
Author(s):  
Wardiah Wardiah ◽  
Azharsyah Ibrahim
Keyword(s):  
Financial Institutions ◽  
Descriptive Analysis ◽  
Field Research ◽  
Revenue Sharing ◽  
Profit Sharing ◽  
Research Data ◽  
Average Income ◽  
Business Results ◽  
Library Research ◽  
Banda Aceh

This study aims to determine the process of calculating the profit of mudharabah financing at BPRS Hikmah Wakilah from an Islamic perspective and its influence on profit sharing. It also aims to explore the mechanism of adjusting the profit-sharing ratio, and the effect of calculating the profitability of mudharabah financing on profit sharing. The method of this research is descriptive analysis. The research data is collected through library research and field research. The results showed that the calculation of profit sharing PT. BPRS Hikmah Wakilah uses revenue sharing system in accordance with the National Sharia Board Fatwa No.15/DSN-MUI/IX/2000 About Principles of Distribution of Business Results in Sharia Financial Institutions. While in the calculation of profit, the BPRS refers to the percentage of total financing and average income earned by the customer and projected the same profit sharing during the financing period. Profit calculation significantly affects the percentage of profit sharing and the period of profit received by the bank. =========================================== Penelitian ini bertujuan untuk mengetahui proses perhitungan keuntungan pembiayaan mudharabah pada BPRS Hikmah Wakilah ditinjau menurut hukum Islam, mekanisme penyesuaian nisbah pembagian keuntungan, serta pengaruh perhitungan keuntungan pembiayaan mudharabah terhadap bagi hasil. Metode yang digunakan dalam penelitian ini adalah deskriptif analisis. Pengumpulan data penelitian dilakukan melalui library research dan field research. Teknik pengumpulan data melalui wawancara dan studi dokumentasi. Hasil penelitian menunjukkan bahwa perhitungan bagi hasil, PT. BPRS Hikmah Wakilah menggunakan sistem revenue sharing sesuai dengan Fatwa Dewan Syariah Nasional No.15/DSN-MUI/IX/2000 Tentang Prinsip Distribusi Hasil Usaha Dalam Lembaga Keuangan Syariah. Sementara dalam melakukan perhitungan keuntungan, BPRS merujuk pada persentase jumlah pembiayaan dan pendapatan rata-rata yang diperoleh nasabah serta memproyeksi bagi hasil yang sama selama jangka waktu pembiayaan. Perhitungan keuntungan berpengaruh signifikan terhadap persentase bagi hasil dan jangka waktu penerimaan keuntungan yang akan diterima pihak bank. Kata Kunci: Pembiayaan Mudharabah, Kentungan, Bagi Hasil

scholarly journals ANALISIS TINGKAT KEPUASAN NASABAH TERHADAP NILAI PERTANGGUNGAN RISIKO POLIS FULNADI PADA ASURANSI TAKAFUL KELUARGA BANDA ACEH

2013 ◽  
Vol 2 (2) ◽  
Author(s):  
Saudatul Fitri ◽  
Muhammad Arifin
Keyword(s):  
Descriptive Analysis ◽  
Field Research ◽  
Quantitative Approach ◽  
Insurance Policy ◽  
Qualitative And Quantitative ◽  
Library Research ◽  
The Family ◽  
Risk Insurance ◽  
Takaful Insurance ◽  
Banda Aceh

Takaful insurance is a shariah insurance that aims to minimize the loss of a risk. One of its flagship products is Fulnadi, this product is devoted to prepare children insurance to pursue their bachelor degree. This study aims to determine the effect of payment of claims benefits on the satisfaction of Fulnadi product participants and to know the procedure of claim benefit payment from risk insurance policy Fulnadi at PT. Takaful Insurance Family, Banda Aceh. This research applies both qualitative and quantitative approach through descriptive analysis. The data were taken through library research and field research, with the technique of collecting interview data, study of documentation and technique of questionnaire. The results revealed that the Family Takaful Insurance, especially Fulnadi, is a product that diverts the risk of children who could not continue their education if something bad happens in life, for the transfer of this risk the participant must pay the premium. The amount of paid premium greatly affects a number of benefits received. Other results indicate that 50% of participants expressed dissatisfaction with the benefits of claims received for the educational needs of the participating children. =========================================== Asuransi takaful adalah asuransi syariah yang bertujuan untuk memperkecil kerugian dari suatu risiko. Salah satu produk unggulannya adalah Fulnadi, produk ini dikhususkan untuk mempersiapkan anak dalam hal pendidikan sampai sarjana. Penelitian ini bertujuan untuk mengetahui pengaruh pembayaran manfaat klaim terhadap kepuasan peserta produk Fulnadi dan untuk mengetahui prosedur pembayaran manfaat klaim dari pertanggungan risiko polis Fulnadi pada PT. Asuransi Takaful Keluarga Banda Aceh. Penelitian ini menggunakan pendekatan kualitatif dan kuantitatif yang bersifat deskriptif analisis. Data yang diambil yaitu library research dan field research, dengan teknik pengumpulan data wawancara, telaah dokumentasi dan teknik kuesioner. Hasil penelitian mengungkapkan bahwa Asuransi Takaful Keluarga khususnya Fulnadi merupakan produk yang mengalihkan risiko anak-anak peserta yang tidak bisa melanjutkan pendidikan jika ada hal buruk terjadi dalam hidup, untuk pengalihan risiko ini peserta harus membayar premi. Besar kecilnya jumlah premi yang dibayarkan sangat mempengaruhi jumlah manfaat yang diterima. Hasil lain menunjukkan bahwa 50% peserta menyatakan tidak puas dengan manfaat klaim yang diterima untuk kebutuhan pendidikan putra-putri peserta.

scholarly journals MEKANISME KLIRING PADA PERBANKAN KONVENSIONAL PERSPEKTIF ISLAM

2016 ◽  
Vol 2 (2) ◽  
pp. 187
Author(s):  
Abdul Salam
Keyword(s):  
Descriptive Analysis ◽  
Financial Data ◽  
Analysis Method ◽  
Islamic Perspective ◽  
Library Research ◽  
Clearing System ◽  
Calculation Results ◽  
Conventional Banks ◽  
Clearing Mechanism

Abstract Clearing is derived from English "to clear" meaning settlement, while the meaning of the clearing is good electronic financial data between banks or between the client resolved calculation results in a certain time. In the implementation of this clearing, clearing services client in this exploit is represented by the bank. Thus, in Islam the activity is often called as wakalah. The aim of this study is to find out how the mechanism clearing system running on Conventional Banks, and how Islamic outlook about the system, including categories of interest or not. In this research, the writer uses descriptive analysis method and more closer to study literature (library research) plus a little interview with employees of the Bank. The results of study that emphasize the study of this literature is the case of the grant of the bank overdraft services require customers to refund loan of approximately 5% above the highest rate in the bank in a month. In the same cases, Bank gives sanction to the customer to check for empty and termination of client giral blacklisted by a bank. This could be allowed under Islam law, due to before dropping the sanctions, warning that the banks were giving our customers don’t draw a blank check anymore. Keywords: Clearing Mechanism, wakalah, overdraft, Conventional Banks, Islamic perspective

scholarly journals The Influence Of Display Producton Towards Consumer Satisfaction At Togamas Supratman Bandung

2022 ◽  
Vol 2 (3) ◽  
pp. 292-298
Author(s):  
Rezky Afiahtul Barokah BARAKOH
Keyword(s):  
Consumer Satisfaction ◽  
Participant Observation ◽  
Descriptive Analysis ◽  
Field Research ◽  
Test Reliability ◽  
Coefficient Of Determination ◽  
Analysis Method ◽  
Simple Linear Regression ◽  
Structured Interviews ◽  
Library Research

The purpose of this research is to determine the effect of display production to consumer satisfaction at Togamas Supratman Bandung. The research method used descriptive analysis method. Data collection techniques used library research and field research in the form of non-participant observation, structured interviews, and distributing questionnaires to 60 respondents. For data analysis used validity test, reliability test, hypothesis testing, correlation coefficient X on Y, significant test, simple linear regression, coefficient of determination. The obstacles faced at Togamas Bandung are the lack of space and making it difficult to arrange displays, product especially interior displays which are used to organize various types of products in one display with large quantities and the lack of employee attention regarding product in inputting or scanning product. While the efforts made at Togamas Supratman Bandung, namely by reducing the number of displays, returning to distributors, checking scanned of products.

scholarly journals ANALISIS METODE PERHITUNGAN PPH 21 GAJI PEGAWAI TETAP TERHADAP LABA PADA PT. ABC

2020 ◽  
Vol 6 (2) ◽  
pp. 131
Author(s):  
Nur Rachmah Wahidah
Keyword(s):  
Calculation Method ◽  
Descriptive Analysis ◽  
Field Research ◽  
Research Data ◽  
Analysis Method ◽  
Library Research ◽  
Permanent Employees

Abstrak-Tujuan yang ingin dicapai dari penelitian ini adalah untuk mengetahui metode perhitungan pph 21 Gaji pegawai tetap terhadap laba pada PT. ABC. Data penelitian diperoleh penulis melalui penelitian lapangan baik dengan cara observasi maupun wawancara serta didukung dengan peneltian pustaka. Metode Analisis yang digunakan penulis adalah metode analisis deskriptif yang bersifat komparatif  yaitu dengan cara mengumpulkan data dan informasi yang berkaitan dengan penerapan PPH21. Dari Hasil Penelitian dapat disimpulkan bahwa metode yang digunakan adalah 3 yaitu metode yang di tanggung karyawan, metode yang ditanggung perusahaan dan metode grossup. Kata Kunci : Perhitungan PPh 21, Laba  Abstract - The objective to be achieved from this research is to find out the pph 21 calculation method for salaries of permanent employees to profits at PT. A B C. The research data obtained by the author through field research both by observation and interview and supported by library research. The analysis method used by the author is a comparative descriptive analysis method that is by collecting data and information relating to the application of PPH21. From the results of the study it can be concluded that the method used is 3, the method at the responsibility of the employee, the method borne by the company and the gross method. Keywords: 21 PPh calculation, Profit

scholarly journals Kebijakan Penerbitan Kartu Identitas Anak di Kota Semarang

2019 ◽  
Vol 2 (2) ◽  
pp. 301-313
Author(s):  
Untung Sri Hardjanto
Keyword(s):  
Descriptive Analysis ◽  
City Government ◽  
Birth Certificates ◽  
Regional Government ◽  
Analysis Method ◽  
Library Research ◽  
Identity Card ◽  
Qualitative Descriptive ◽  
Identity Cards ◽  
Keywords Child

Abstract The study aims to determine the policy of publishing identity cards for children in Semarang. The method of approach taken in this study is normative juridical. Data collection is obtained from the results of interviews and through library research. The data analysis method used is a qualitative descriptive analysis method. The results showed that the Regional Government of Semarang City in carrying out KIA issuance made PERDA No.4 of 2016, but its implementation was in 2017. Delay in the implementation of MCH due to the lack of coverage of ownership of birth certificates for children. The preparations made by the Semarang City Government in the context of the implementation of the MCH in 2017 are collecting data on children, discussing the additional benefits of KIA with several official agencies and the private sector, conducting comparative studies in regions that have implemented KIA and the basis of its arrangements. Preparation of the Regional Government of Semarang City in the issuance of KIA experienced several obstacles, among others, the unclear distribution of KIA forms, limitations and delays in budgeting, lack of competent human resources for the operation of SIAK. For ITU, the Semarang City Government made an effort to procure KIA sheets themselves, prepare computerized system training or SIAK, and make Mayor Regulations as technical implementation of Regional Regulation No.4 of 2016 concerning Implementation of Population Administration. Keywords: Child Identity Card, Policy, City of Semarang Abstrak Penelitian bertujuan untuk mengetahui kebijakan penerbitan kartu identitas anak di kota semarang . Metode pendekatan yang dilakukan dalam penelitian ini adalah yuridis normatif, Pengumpulan data diperoleh dari hasil wawancara dan melalui penelitian kepustakaan. Metode analisis data yang digunakan adalah metode analisa deskriptif kualitatif. Hasil penelitian menunjukkan bahwa Pemerintah Daerah Kota Semarang dalam melaksanakan penerbitan KIA membuat PERDA No.4 Tahun 2016, namun pelaksanaannya pada tahun 2017. Keterlambatan pelaksanaan KIA karena masalah cakupan kepemilikan Akta Kelahiran anak yang masih kurang. Persiapan yang dilakukan Pemda Kota Semarang dalam rangka pelaksanaan KIA di tahun 2017 adalah mengumpulkan data anak-anak, membahas penambahan manfaat KIA dengan beberapa pihak dinas dan pihak swasta, melakukan studi banding ke daerah yang sudah melaksanakan KIA dan dasar pengaturannya.  Persiapan Pemda Kota Semarang dalam penerbitan KIA mengalami beberapa kendala antara lain ketidakjelasan pendistribusian blanko KIA, keterbatasan dan keterlambatan pemberian anggaran, kurangnya sumber daya manusia yang kompeten untuk pengoperasian SIAK. Untuk ITU Pemda Kota Semarang melakukan upaya yakni pengadaan blanko KIA sendiri, mempersiapkan pelatihan sistem komputerisasi atau SIAK, dan membuat Peraturan Walikota sebagai pelaksanaan teknis dari Perda No.4 Tahun 2016 Tentang Penyelenggaraan Administrasi Kependudukan. Kata Kunci: Kartu Identitas Anak, Kebijakan, Kota Semarang

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