Analisis Manajemen Risiko Kredit Pada Produk Kredit Pemilikan Rumah BTN

The aims of this study is to find out : (1) what the character of problematic debtorts of PT. Bank Tabungan Negara (Persero), Tbk Padang Branch Office, (2) what the factors that cause bad credit of PT. Bank Tabungan Negara (Persero), Tbk Padang Branch Office, (3) how credit rsik management of housing loans at PT. Bank Tabungan Negara (Persero), Tbk Padang Branch Office. This type of research is a qualitative descriptive study. This study using by purposive sampling, while the source and some information through in-depth interviews or in-depth interviews and direct observations to the object of the researcher. Secondary data that supports this research are obtained from documents available at the research site. To test the validity of the data used source triangulation. The results showed that the debtor's character could be seen from the 5C analysis. The factors that cause non-performing loans are internal and external factors. Even though there is a problematic debtor character that causes bad credit on KPR, in this case BTN Padang Branch Office has been good at minimizing this, there is a good flow of risk management analysis. In order to identify risks and implement the checklist, you will be able to review the risks of applying qualitative and quantitative methods. This measurement is not only carried out for customers but also for developers who want to work with BTN. Keywords : Risk management, non-performing loans, mortgage loans

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Analisis Peran Perempuan dalam Memanfaatkan Potensi Lokal Sebagai Alternatif Usaha di Kampung Tanjung Talok Desa Teluk Sasah Kabupaten Bintan

Jurnal Ilmiah Membangun Desa dan Pertanian ◽

10.37149/jimdp.v6i6.21225 ◽

2021 ◽

Vol 6 (6) ◽

pp. 202

Author(s):

Indah Andesta

Keyword(s):

Small Business ◽

Small Businesses ◽

Quantitative Methods ◽

Local Potential ◽

Qualitative And Quantitative Methods ◽

Household Products ◽

Qualitative Descriptive ◽

Object Of Study ◽

Depth Interviews

Research involving women’s Tanjung Talok Village as the object of study aims to analyze the role of women in utilizing the local potential and can be used as business products in Tanjung Talok Village. In Tanjung Talok village, there are five local communities (groups), and each group has one effect of being developed. This study did in Tanjung Talok village from March until July 2021. Furthermore, the research uses qualitative and quantitative methods. Researchers conducted in-depth interviews, observations, and literature reviews. The data obtained were analyzed by a qualitative descriptive approach. The variable in this research is women in Tanjung Talok village who have still productive to develop a small business product. The results showed that the role of Tanjung Talok in utilizing local potential was not maximized. From a total of 104 family data, it was known that women who had businesses based on local potential were 15 women with products such as fish crackers, gamat oil, chips, peanut brittle, chili paste, and other small businesses. The role of Tanjung Talok women is maximized by having a business group with Tanjung Talok’s women to develop small Business or household products. Most women in Tanjung Talok have the skill to process those products. Marketing and packaging are challenging to create those products due to women in Tanjung Talok don’t have much talent or experience on their part. The following research has to focus on analyzing the effectiveness of the management model that will apply in Tanjung Talok village

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Kolaborasi Komponen Pendidikan Dalam Mewujudkan Pembelajaran Bermakna Pada Siswa Kelas II Sekolah Dasar

JIKAP PGSD Jurnal Ilmiah Ilmu Kependidikan ◽

10.26858/jkp.v5i2.20328 ◽

2021 ◽

Vol 5 (2) ◽

pp. 267

Author(s):

Trivena Meiliana Koroh ◽

Widiastuti Widiastuti

Keyword(s):

Teacher Collaboration ◽

Research Method ◽

Secondary Data ◽

Phenomenological Approach ◽

Class Ii ◽

Primary Data ◽

School Students ◽

Parent Collaboration ◽

Direct Observations ◽

Qualitative Descriptive

This research aims to describe the form of collaboration application between educational components in realizing learning in grade II elementary school students. The research method used is a qualitative descriptive research method with a phenomenological approach to question natural phenomena. The subjects of this study were 92 people, consisting of 31 students of class II-B, 1 teacher of class II-B, 1 parallel teacher of class II-A, 1 representative of the school in the curriculum field, and 31 parents of students. The primary data of this research are based on the results of direct observations, while the secondary data are from documents related to collaboration, such as lesson plans, teacher research results, and the author's reflections on observations. The research instrument using observation and documentation techniques in the data. The results showed that to improve the quality of students positively and with quality, it is necessary to manage education through good collaboration from the school, family, and community so that positive stimulus through the interaction of educational components can develop aspects of students holistically. This study concludes that there are three forms of collaboration for educational components that can be carried out in realizing classroom learning, namely teacher and student collaboration, teacher collaboration, parallel teachers, and vice principal in curriculum, and teacher and parent collaboration (PaL's).

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Creating the Habit of Recycling in Early Childhood: A Sustainable Practice in Spain

Sustainability ◽

10.3390/su11226393 ◽

2019 ◽

Vol 11 (22) ◽

pp. 6393 ◽

Cited By ~ 2

Author(s):

Pilar Buil ◽

Olga Roger-Loppacher ◽

Mireia Tintoré

Keyword(s):

Sustainable Development ◽

Early Childhood ◽

Exploratory Study ◽

Quantitative Methods ◽

Daily Routine ◽

Qualitative And Quantitative Methods ◽

Teaching Unit ◽

The Common ◽

The Impact ◽

Depth Interviews

Early childhood education on sustainability has been an issue of high relevance in the last decade. In Spain, many different efforts have been made to increase children’s knowledge, skills, and awareness related to sustainability issues. However, uncertainty about the effectiveness of education on sustainable development exists. This research reports on an exploratory study organized by the association that promotes aluminum packaging recycling in Spain (Arpal). Seven teachers were trained on sustainability in general and on aluminum packaging recycling in particular. These teachers defined and implemented a teaching unit with active learning activities that involved three preschools. Fifty-four children under 6 years of age, mainly 2 and 3 years old, along with their parents, participated in the teaching unit. Qualitative and quantitative methods (questionnaires, in-depth interviews, and focus groups) were carried out to assess the impact. The results proved that different partners, such as children, parents, teachers, managers, and associations, can work together with the common goal of improving education on sustainable development in early childhood, and all of them benefit from this collaboration. Moreover, this study confirmed that education on sustainability should be embedded in the daily routine of preschools. Furthermore, after the exploratory study, the teaching unit was implemented in 29 Andalusian preschools.

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Mothers Now Childless: Structures of the Life-World

OMEGA - Journal of Death and Dying ◽

10.2190/jx2h-uy58-0cpp-d6ur ◽

1997 ◽

Vol 36 (1) ◽

pp. 45-62 ◽

Cited By ~ 4

Author(s):

Kay Talbot

Keyword(s):

Quantitative Methods ◽

Only Child ◽

Life World ◽

Only Children ◽

Qualitative And Quantitative ◽

Qualitative And Quantitative Methods ◽

Bereaved Parents ◽

Crisis Of Meaning ◽

Depth Interviews

Prior research has highlighted the fact that bereaved parents are confronted with a severe crisis of meaning in their lives (Braun & Berg, 1994; Craig, 1977; Miles & Crandall, 1986; Rando, 1986; Wheeler, 1990). The author conducted a study (Talbot, 1996–97) which combined both qualitative and quantitative methods to understand what it means for mothers to survive the death of their only child. This article focuses on the findings from ten in-depth interviews which delineate the life-world of participant bereaved mothers. Implications for counselors and other professionals assisting bereaved mothers of only children are included.

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SWOT Analysis As A Determiner Of Marketing Strategy At b Hotel Bali & Spa Denpasar

Journal of Applied Sciences in Accounting, Finance and Tax ◽

10.31940/jasafint.v4i1.2409 ◽

2021 ◽

Vol 4 (1) ◽

pp. 41-47

Author(s):

Ni Putu Sri Prajayanti ◽

◽

I M Sudana ◽

I G M Karma ◽

◽

...

Keyword(s):

Data Collection ◽

Marketing Strategy ◽

Swot Analysis ◽

Descriptive Analysis ◽

Secondary Data ◽

Data Sources ◽

Primary Data ◽

Analysis Technique ◽

Qualitative Descriptive ◽

Internal And External Factors

This research aims to determine the marketing strategy that must be taken from the results of the SWOT analysis at the b Hotel Bali & Spa Denpasar. This study uses primary data sources and secondary data sources with data collection methods through interviews, observation and questionnaires. The analysis technique used is a qualitative descriptive analysis technique, namely the SWOT analysis technique which explains, first, the data collection stage at the Bali Hotel & Spa Denpasar regarding the identification of internal and external factors in the form of strengths, weaknesses, opportunities, and threats, the second is the analysis stage, and third namely the stage of decision making to determine the strategy to be taken by the company. The research results from the SWOT analysis show that the company is in quadrant I, where it shows a problem regarding for the strength to see opportunities where the strategy taken is the SO strategy used to be applied in developing strategies that can be suggested at management b Hotel Bali & Spa Denpasar, to can improve the progress of the hotel going forward.

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The contribution of loan management on the financial performance of umurenge savings and credits cooperatives in rwanda

Journal of Management and Science ◽

10.26524/jms.2020.8 ◽

2020 ◽

Vol 10 (1) ◽

pp. 64-86

Author(s):

Alphonse Nsengiyumva ◽

Jean Bosco Harelimana

Keyword(s):

Financial Performance ◽

Quantitative Methods ◽

Management Practices ◽

Positive Impact ◽

Secondary Data ◽

Simple Random Sampling ◽

Total Sample ◽

Qualitative And Quantitative Methods ◽

Credit Cooperatives ◽

Descriptive Survey

The study analyzed the contribution of loan management on the financial performance of Umurenge Savings and Credit Cooperatives in Rwanda. The study adopted the use of descriptive survey using both qualitative and quantitative methods for a total sample size of 78 clients who have received more than two times the loan. Purposive and simple random sampling was used for this purpose. Primary and secondary data were collected and then analyzed. The study found that loan management determinants used such as membership enrolment, client appraisal, credit risk control and collection policy impact on financial performance respectively at 23,9%; 24,1%; 39,2 % ; 28,4%.Loan management practices have a high influence on the SACCO’s financial performance during the five years.The correlation results imply that suitable loan management in a saving and credit institution has a positive impact on financial sustainability and profitability and on financial efficiency and productivity as they move in the same direction (R=0.980).

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Riset Pasar Biodiesel B20 di Indonesia: Evaluasi terhadap Produk dan Kesadaran Konsumen

Analisis Kebijakan Pertanian ◽

10.21082/akp.v17n2.2019.79-93 ◽

2019 ◽

Vol 17 (2) ◽

pp. 79

Author(s):

Sachnaz Desta Oktarina ◽

Ratnawati Nurkhoiry ◽

M. Ansori Nasution ◽

Suroso Rahutomo

Keyword(s):

Energy Security ◽

Quantitative Research ◽

Quantitative Methods ◽

Market Demand ◽

Qualitative And Quantitative Methods ◽

Long Run ◽

National Energy Security ◽

Multiplier Effects ◽

Depth Interviews ◽

Sizeable Number

There are considerably limited evaluations had dealt with the demand side of the Indonesian B20 biodiesel market. Thus, market research on product performance, product importance, and consumer awareness was performed. This research utilized both qualitative and quantitative methods. In-depth interviews with key informants were summarized in the word cloud form. The outcomes then became the ground for quantitative research. The results of 111 online questionnaires indicated that there was a gap in the level of awareness among respondents in Sumatra to that of outside Sumatra. The male, higher education background, and heavy-user of bio solar cohort were tended to vote a sizeable number in the performance evaluation. Especially for the performance of biodiesel that caused sedimentation on the filter engines (73.08%, 72.35%, and 73.08%). Meanwhile, biodiesel performance that supports the nation's energy security is the most important attribute to be highlighted as the product main entity. The policy implication through multifaceted strategies such as incentive provision for automotive companies that are adaptive to market demand is one of a kind. In the long run, the return to investment from these policies are expected to not only increase the multiplier effects of the oil palm plantation but also national energy security. AbstrakSejauh ini belum ada evaluasi ilmiah yang mempelajari aspek permintaan produk biodiesel Indonesia dari sisi konsumen (pasar), sehingga studi mengenai evaluasi produk dan kesadaran konsumen biodiesel B20 menjadi tujuan dari penelitian ini. Riset pasar ini menggunakan metode kualitatif dan kuantitatif. Temuan dari riset kualitatif dalam bentuk wordcloud menjadi landasan untuk kajian kuantitatif. Hasil deskriptif dan nonparametrik 111 kuesioner secara daring mengindikasikan adanya kesenjangan tingkat kesadaran antara responden berdomisili di Sumatera dan luar Sumatera. Responden berjenis kelamin laki-laki, berlatar pendidikan tinggi, dan dominan menggunakan biosolar sebagai bahan bakarnya cenderung kritis menilai atribut terjadinya endapan pada mesin filter (73,08%; 72,35%; dan 73,08%). Performa biodiesel yang mendukung ketahanan energi bangsa menjadi aspek penting yang harus ditonjolkan sebagai entitas dari produk. Inovasi produk dapat dikembangkan melalui kebijakan multidimensi. Salah satunya dengan intervensi pemerintah melalui pemberian insentif bagi automaker yang adaptif terhadap permintaan pasar. Pada akhirnya, implikasi kebijakan ini diharapkan tidak hanya meningkatkan multiplyer effect dari perkebunan kelapa sawit, tetapi juga ketahanan energi nasional.

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ARAHAN KETERPADUAN PEMANFAATAN DAN PENGENDALIAN PEMBANGUNAN PERUMAHAN DAN KAWASAN PERMUKIMAN PADA LINTAS DAERAH KABUPATEN/KOTA

JURNAL RISET PEMBANGUNAN ◽

10.36087/jrp.v3i1.70 ◽

2020 ◽

Vol 3 (1) ◽

pp. 23-33

Author(s):

Mohtana Kharisma Kadri ◽

Faisal Faisal

Keyword(s):

Quantitative Methods ◽

Secondary Data ◽

Housing Development ◽

Primary Data ◽

Rural Settlements ◽

Sustainable Housing ◽

Qualitative And Quantitative Methods ◽

Urban Settlements ◽

And Control ◽

Settlement Areas

ABSTRAKAglomerasi suatu kawasan sering kali disebabkan adanya konurbasi suatu wilayah dengan dipengaruhi adanya perkembangan kawasan perumahan dan permukiman dalam suatu wilayah sehingga perlu adanya arahan terkait pemanfaatan lahan dan pengendalian pembangunan perumahan dan kawasan permukiman khususnya yang berada pada kawasan lintas daerah kabupaten/kota yang ada di Provinsi Kalimantan Timur. Adapun tujuannya dari penelitian ini adalah agar tidak terjadi perbedaan konsep pengembangan ruang perkotaan dan permukiman pada daerah lintas kabupaten/kota tersebut, dan keterpaduan rencana pemanfaatan dan pengendalian yang lebih detail dapat terwujud yakni perumahan dan kawasan permukiman yang berkualitas dan berkelanjutan. Adapun metode yang digunakan adalah metode diskriptif kualitatif dan kuantitatif, dengan bersumber dari data-data sekunder dan data primer. Adapun arahan keterpaduan pemanfaatan dan pengendalian pembangunan perumahan dan kawasan permukiman pada lintas daerah kabupaten/kota diatur dalam sebuah peraturan zonasi yang terbagi atas dua peruntukan yaitu kawasan peruntukan permukiman perkotaan dan kawasan peruntukan permukiman perdesaan. Pada masing-masing peraturan tersebut mengatur terkait perijinan pengembangan perumahan, intensitas bangunan, Sarana dan prasarana pendukung dan moda sarana angkutan masal, pengembangan Fasilitas Lainnya dan Larangan pengembangan lahan.Kata kunci: Aglomerasi, Konurbasi, Perumahan permukiman lintas daerah.ABSTRACTAgglomeration of an area is often caused by the conurbation of an area which is influenced by the development of housing and settlement areas in an area so that there is a need for directions related to land use and control of housing development and settlement areas, especially those in cross-district / municipal areas in Kalimantan Province. East. The purpose of this research is that there is no difference in the concept of urban spatial development and settlements in the cross-regency / municipal area, and that more detailed utilization and control plans can be realized, namely quality and sustainable housing and settlement areas. The method used is descriptive qualitative and quantitative methods, sourced from secondary data and primary data. The directions for the integrated use and control of housing development and settlement areas across regencies / municipalities are regulated in a zoning regulation which is divided into two designations, namely areas designated for urban settlements and areas designated for rural settlements. Each of these regulations regulates housing development licensing, building intensity, supporting facilities and infrastructure and mass transportation modes, development of other facilities and prohibition of land development.Keywords: Agglomeration, Conurbation and Housing Inter-regional settlements.

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Strategy Maximizing Function of Waste Management Units in Bangunrejo Village

International Journal of Advances in Social and Economics ◽

10.33122/ijase.v1i6.103 ◽

2019 ◽

Vol 1 (6) ◽

Author(s):

Nanik Hidayati ◽

Marsista Buana Putri

Keyword(s):

Waste Management ◽

Management Strategies ◽

Secondary Data ◽

Care Program ◽

Management Program ◽

Primary Data ◽

Observation Data ◽

Environmental Care ◽

Qualitative Descriptive ◽

Depth Interviews

Various programs and techniques have been carried out to reduce the amount of waste which increasingly alarming day by day. Bangunrejo Village in Patebon Subdistrict Kendal Regency made a waste management program which initiated since early 2017 with collect-haul to village landfill-collect-haul to regional landfill-dispose-burn which require a lot of money. This research aims to determine the process of waste management so that an effective waste management strategy is obtained. The method used in this research was the qualitative descriptive method. Data were obtained from primary data which was taken from an interview with the residents and the worker as well as secondary data from documents and direct observation. Data was collected using triangulation techniques through in-depth interviews, participatory observation, and documentation. The analysis used in this research was SWOT to obtain effective waste management strategies. The results show that the residents of Bangunerejo Village have already had the awareness to keep the environment clean even though they still can’t manage the waste well. The residents also still have a limited understanding of 3R (Reduce, Reuse, and Recycle) even though sometimes they already applied this to their daily life. The Bangunrejo Village waste management program is an environmental care program that must be sustained and succeeded to reduce the volume of waste.

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Affirmative Approach in Strengthening Women’s Access to the Information and Communication Technology’s Vocational Training

Jurnal Perempuan ◽

10.34309/jp.v26i1.553 ◽

2021 ◽

Vol 26 (1) ◽

pp. 49

Author(s):

Tauvik Muhamad ◽

Hirania Wiryasti ◽

Eka Novitasari

Keyword(s):

Affirmative Action ◽

Quantitative Methods ◽

Online Survey ◽

Secondary Data ◽

Policy Formulation ◽

Digital Economy ◽

Skills Development ◽

Qualitative And Quantitative Methods ◽

Internet Users ◽

Information And Communication

Despite growing of internet users and digitalizing economy as result of Industry Revolution 4.0, Indonesia experiences with digital divide in which young women are still left behind in the digital economy. To address the issue, affirmative action in accessing skills development and labour market are crucial. The aim of the study is observing whether affirmative action for women exist and it helps to address the issue. The paper uses mixed qualitative and quantitative methods in which primary and secondary data collected respectively through interview, and online survey as well as literature review. The study argues that the affirmative action will not be adequate to address gender inequality in the digital economy, unless integrated approaches through capacity building and women engagement are in place. The paper concludes that the affirmative action is only effective if the intervention integrated with skills development and women engagement at various level of process for policy formulation and its implementation.

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