scholarly journals ANALISIS KREDIT USAHA RAKYAT PADA BANK RAKYAT INDONESIA

AdBispreneur ◽  
2020 ◽  
Vol 4 (2) ◽  
pp. 113
Author(s):  
Suryanto .
Keyword(s):  
Research Method ◽  
Qualitative Method ◽  
Small And Medium Enterprises ◽  
Subjective Analysis ◽  
Data Presentation ◽  
Analysis Techniques ◽  
Descriptive Research ◽  
High Level ◽  
Medium Enterprises ◽  
Depth Interviews

This study aims to analyze the procedure for granting people's business credit (KUR) to Bank Rakyat Indonesia (BRI). The research method used in this study is a qualitative method with a type of descriptive research. The data obtained in this study uses research instruments, namely through observation, in-depth interviews, and documentation studies. Interviews were conducted with the Micro and Small Director of Bank BRI, debtor representatives and prospective debtors, as well as Bank Indonesia Representative Credit Section Bandung. Data collected from several sources carried out credibility testing with data triangulation — data analysis techniques used with data reduction, data presentation, and conclusions. The results of the study indicate that the implementation of the provision of people's business loans to Bank BRI through several stages, namely the stages of credit administration, credit documentation, credit approval, credit processing. The level of Non-Performing Loans (NPL) of BRI KUR shows a fairly large number of 2.31%, but among other KUR executing banks BRI's NPL is the smallest. The high level of NPL is because there are several factors, including: (1) wrong perceptions among Micro, Small and Medium Enterprises (MSME) actors regarding the source of funds in KUR distribution; (2) changes in the character of the debtor; and (3) the account officer section conducts a subjective analysis because there are certain relationships with prospective debtors Penelitian ini bertujuan untuk menganalisis prosedur pemberian kredit usaha rakyat (KUR) pada Bank Rakyat Indonesia (BRI). Metode penelitian yang digunakan dalam penelitian ini adalah metode kualitatif dengan jenis penelitian deskriptif. Data yang diperoleh pada penelitian ini menggunakan instrumen penelitian yaitu melalui observasi, wawancara mendalam dan studi dokumentasi. Wawancara dilakukan dengan Direktur Mikro dan Kecil Bank BRI, perwakilan debitur dan calon debitur, serta Bagian kredit Bank Indonesia Perwakilan Bandung. Data yang terkumpul dari beberapa sumber dilakukan pengujian kredibilitas dengan triangulasi data. Teknik analisis data yang digunakan dengan reduksi data, penyajian data, dan kesimpulan. Hasil penelitian menunjukkan bahwa pelaksanaan pemberian kredit usaha rakyat pada Bank BRI melalui beberapa tahapan yaitu tahap credit administration, credit documentation, credit approval, credit processing. Tingkat Non Performing Loan (NPL) KUR BRI memperlihatkan angka yang cukup besar yaitu 2,31%, tetapi diantara bank pelaksana KUR yang lainnya NPL Bank BRI yang paling kecil. Tingginya tingkat NPL dikarenakan adalah ada beberapa faktor, antara lain: (1) persepsi yang salah dikalangan pelaku Usaha Mikro Kecil dan Menengah (UMKM) mengenai sumber dana dalam penyaluran KUR; (2) adanya perubahan karakter debitur; dan (3)  bagian account officer melakukan analisis secara subjektif karena ada hubungan tertentu dengan calon debitur.

scholarly journals Penanganan Pembiayaan Murabahah Macet Pada Koperasi Pondok Pesantren (KOPONTREN) XYZ

2017 ◽  
Vol 3 (8) ◽  
pp. 656
Author(s):  
Sunarno Sunarno ◽  
Imron Mawardi
Keyword(s):  
Small And Medium Enterprises ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Meeting Report ◽  
Analysis Techniques ◽  
Working Cycle ◽  
Depth Interview ◽  
The Republic ◽  
Medium Enterprises ◽  
Depth Interviews

Murabaha Financing have potentially lower risk than other financing product. It chosen by USP Kopontren XYZ to fulfill members financing demand both for business development and consumptive purposes. Termination of Employment Relationship, working cycle and Bad characters some members cause of the collectibility default in Murabaha Financing.This study using qualitative approach and case studies. The collection of primarydata through in-depth interview, while secondary data obtained from the AnnualMembers Meeting report Kopontren XYZ . Explanation building analysis techniques are use to explain the results of in-depth interviews in order to explain the handling of murabaha financing collectibility default.The results explained to handling collectability default adopt according to The Minister of Cooperatives and Small and Medium Enterprises of the Republic of Indonesia Number: 35.3 / Per / M.KUKM / X / 2007, executing from cash collateral, financial penalties for those who deliberately, and converts the contract.

scholarly journals PENGEMBANGAN METODE IQRA TERPADU DALAM MENINGKATKAN MINAT BELAJAR AL-QUR’AN PADA SISWA KELAS TINGGI DI SDN RANCAILAT CIKANDE SERANG

QATHRUNÂ ◽  
2021 ◽  
Vol 8 (2) ◽  
pp. 125
Author(s):  
N. Atiyah
Keyword(s):  
Data Analysis ◽  
Direct Observation ◽  
Data Reduction ◽  
Research Method ◽  
Qualitative Method ◽  
Teaching Reading ◽  
Learning To Read ◽  
Reading And Writing ◽  
Data Presentation ◽  
Depth Interviews

This research aims (1). To find out how to analyze the integrated iqra method in learning to read and write the Qur'an at SDN Rancailat, Bakung Village, Kec. Cikande Kab. Serang, (2). To find out students' interest in learning to read and write the Qur'an at SDN Rancailat, Bakung Village, Kec. Cikande Kab. Serang, (3). To find out the Implement of the Integrated Iqra Method can increase interest in learning to read and write the Qur'an in students of SD Negeri Rancailat, Bakung Village, Kec. Cikande Kab. Attack, (4). To find out the Integrated Iqra Method can increase interest in learning the Qur'an at SD Negeri Rancailat, Bakung Village, Kec. Cikande Kab. Attack. The research method used is descriptive qualitative method. Sources of data obtained from direct observation and in-depth interviews, documentation, and questionnaires. Subjects determined in this study were principals, PAI teachers, BTQ teachers and 40 students. The data analysis used were: data reduction, data presentation, and conclusion drawing. The results of this study indicate that the integrated iqra method in learning to read and write the Qur'an at SDN Rancailat in this good category is obtained from the results of the analysis reaching the percentage: 75%. The development of the Integrated Iqra Method can increase interest in learning to read and write the Qur'an in students of SD Negeri Rancailat, Bakung Village, Kec. Cikande Kab. Serang is in the very good category, reaching a lift of 81% seen from the results of respondents' answers always and the results of interviews with writers and teachers that it is true that in learning to read and write the Qur'an at SDN Rancailat, my students are very enthusiastic in learning to read and write the Qur'an. an because I use the integrated iqra method. implementation of the Integrated Iqra Method of learning to read and write the Qur'an at SD Negeri Rancailat, Bakung Village, Kec. Cikande Kab. Serang as a whole based on the results of student answers, teachers in teaching reading and writing the Qur'an at SDN Rancailat can be categorized as good. This is evidenced by the results of their ability to read and write the Qur'an using the Iqra method, they are very enthusiastic in following each stage, both Iqra volumes 1 to 6 plus writing Arabic letters or the Qur'an and memorizing Juz 'Amma/Juz 30.

scholarly journals FAKTOR PENYEBAB PELANGGARAN DISIPLIN SEKOLAH PADA SISWA KELAS XII DI SMA ‘X’ BATAM FACTORS OF VIOLATION OF SCHOOL DISCIPLINE ON STUDENT CLASS XII IN SMA 'X' BATAM

2017 ◽  
Vol 3 (1) ◽  
Author(s):  
Wilda Fasim Hasibuan ◽  
Dewi Rahadita
Keyword(s):  
Data Analysis ◽  
Transfer Students ◽  
Moral Theory ◽  
Qualitative Method ◽  
Causal Factors ◽  
Data Presentation ◽  
Analysis Techniques ◽  
Descriptive Research ◽  
Research Type ◽  
Three Components

Abstract A disciplinary offense is a set of behaviors of a person who exhibits disobedience and non-compliance with the rules, the order of norms of life prevailing in the absence of an inner awareness to achieve the learning objectives. The purpose of this study is to determine the causal factors behind the class XII SMA ‘X’ Batam students violated the discipline.This research was conducted using qualitative method with descriptive research type. In this research data collection is done by interview, observation and documentation. This study uses three components of data analysis techniques, the three components of data analysis used are data reduction, data presentation and verification or data deduction.Based on the data analysis found, the results showed that the students of class XII committed disciplinary offenses caused by several factors: 1) late school due to (a) sleeping late at night, (b) Conventional phase. 2) parenting patterns are due to (a) busy parents (b) low level of education (c) careless parents. 3) transfer students. 4) lack of motivation 5) learning methods that are less varied 6) truancy behavior due to (a) self (b) non-social environment. Keywords : discipline, adolescent, moral theory Kolhberg Abstrak Pelanggaran disiplin merupakan serangkaian perilaku seseorang yang menunjukkan ketidaktaatan dan ketidakpatuhan terhadap peraturan, tata tertib norma kehidupan yang berlaku karena tidak adanya kesadaran dari dalam dirinya untuk mencapai tujuan belajar. Adapun tujuan dari penelitian ini yaitu untuk mengetahui faktor penyebab yang melatarbelakangi siswa kelas XII SMA Harapan Batam melakukan pelanggaran disiplin.Penelitian ini dilaksanakan menggunakan metode kualitatif dengan jenis penelitian deskriptif. Dalam penelitian ini penguumpulan data dilakukan dengan wawancara, observasi dan dokumentasi. Penelitian ini menggunakan tiga komponen teknik analisis data, tiga komponen analisis data yang dipergunakan adalah reduksi data, penyajian data dan verifikasi atau penyimpulan data.Berdasarkan analisis data yang ditemukan, hasil penelitian menunjukkan bahwa siswa kelas XII melakukan pelanggaran disiplin disebabkan oleh beberapa faktor yaitu 1) terlambat sekolah disebabkan karena (a) tidur larut malam, (b) Fase konvensional. 2) pola asuh orang tua disebabkan karena (a) orang tua yang sibuk (b) rendahnya tingkat pendidikan (c) orang tua yang kurang peduli. 3) siswa pindahan. 4) kurang motivasi 5) metode belajar yang kurang bervariasi 6) perilaku membolos disebabkan karena (a) diri sendiri (b) lingkungan non sosial. Kata kunci : disiplin, remaja, tahapan moral

scholarly journals Role of Knowledge Sharing and Organizational Commitment to Development Micro Small and Medium Enterprises (MSMEs)

2019 ◽  
Vol 2 (2) ◽  
pp. 307-312
Author(s):  
Sri Maria Ulfha ◽  
MLN. Rosmadi ◽  
Endah Widiastuti K ◽  
M. Irsyad Raspati
Keyword(s):  
Organizational Commitment ◽  
Knowledge Sharing ◽  
Research Method ◽  
Qualitative Method ◽  
Small And Medium Enterprises ◽  
International Markets ◽  
Employee Welfare ◽  
Medium Enterprises ◽  
Competitive Products

This study aims to determine the extent of the role of sharing knowledge and organizational commitment in developing MSMEs. The research method used is a qualitative method with a descriptive verification approach. From the results of the research conducted, it is obtained data that the sharing of knowledge and commitment of well-managed organizations by management is very beneficial for increasing employee innovation and creativity to produce quality and competitive products in both domestic and international markets. This is if done consistently will have an impact on the development of MSMEs, which in turn can improve employee welfare.

scholarly journals ENTREPRENEURSHIP DEVELOPMENT AS A PANACEA FOR DEPRESSED ECONOMY

2019 ◽  
pp. 29-37
Author(s):  
Uju Sussan Muogbo Ph.D ◽  
Eze Solomon Uchechukwu
Keyword(s):  
Adverse Effect ◽  
Economic Development ◽  
Research Method ◽  
Small And Medium Enterprises ◽  
Regression Method ◽  
Small Enterprises ◽  
Entrepreneurship Development ◽  
Anambra State ◽  
Descriptive Research ◽  
Medium Enterprises

The study examined entrepreneurship development as a panacea for a depressed economy with particular reference to selected Small and Medium Enterprises in Anambra State Nigeria. The main objective of the study is to examine the need to cushion the adverse effect of depressed economy through entrepreneurship development in Nigeria. Related literatures were reviewed. The study adopted descriptive research method in which data generated through questionnaire and oral interview were analyzed. The population of the study was 160 owners and staff of small enterprises selected at random from their various firms. The hypotheses formulated in the study were testing ANOVA and Regression method. The study revealed that entrepreneurship development plays a key role in the process of economic development through employment creation, increase in investment and consumption of a nation thereby revamping the depressed economy. The study therefore concludes that entrepreneurship development remains a panacea for a depressed economy such as Nigeria. The study recommends that government should encourage entrepreneurship development through the provision of incentives to entrepreneurs and standing as a guarantor for loans given to aspiring entrepreneurs so as to improve their contribution to Gross Domestic Product.

scholarly journals Peningkatan Mutu Pendidikan Anak Usia Dini melalui Peningkatan Profesionalitas Guru

2019 ◽  
Vol 3 (1) ◽  
Author(s):  
Yusutria Yusutria
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Research Method ◽  
Institutional Constraints ◽  
Quality Of Education ◽  
Data Presentation ◽  
Analysis Techniques ◽  
Descriptive Research ◽  
Qualitative Descriptive

The purpose of this study was to determine the efforts to improve the professionalism of PAUD teachers in improving the quality of Harapan Bangsa City PAUD education. Qualitative descriptive research method, while data collection techniques are based on observation, interviews, documentation. The data analysis techniques are based on data reduction, data presentation, and conclusions. PAUD institutional constraints include educational qualifications, experience, infrastructure, managers, welfare. Efforts to improve the professionalism of PAUD teachers by providing scholarships, workshops, seminars, adequate facilities, and infrastructure, as well as maintaining smooth communication with both foundations, teachers, and parents.Keywords: Professionalism, PAUD Teachers, Quality of Education Abstrak Tujuan dari penelitian ini adalah untuk mengetahui upaya meningkatkan profesionalitas guru PAUD dalam meningkatan mutu pendidikan PAUD Harapan Bangsa Kota Padang. Metode penelitian deskriptif kualitatif, sementara teknik pengumpulan data berdasarkan dengan observasi, wawancara, dokumentasi. Adapun teknik analisis data berdasarkan pada reduksi data, penyajian data dan kesimpulan. Kendala lembaga PAUD di antaranya kualifikasi pendidikan, pengalaman, sarana prasarana, pengelola, kesejahteraan. Upaya meningkatkan profesionalisme guru PAUD dengan memberikan beasiswa, workshop, seminar, fasilitas sarana prasarana yang memadai, serta tetap menjaga lancarnya komunikasi baik dengan pihak yayasan, guru, dan orang tua. Kata Kunci: Profesionalitas, Guru PAUD, Mutu Pendidikan.

scholarly journals PEMILIHAN POLA ASUH DAN KEPEMIMPINAN PEMILIK PANTI ASUHAN

Conciencia ◽  
2019 ◽  
Vol 19 (2) ◽  
pp. 132-141
Author(s):  
Muhammad Qosim
Keyword(s):  
Research Method ◽  
Qualitative Method ◽  
Developmental Psychology ◽  
Positive Impact ◽  
Data Presentation ◽  
Analysis Techniques ◽  
Study Case ◽  
Data Collection Technique ◽  
The Right

This research based on the violence and exploitation cases of orphanage children’s. An orphanage that expected can be solution to resolve orphan and waif problems, but in fact some orphanages in Indonesia generally and especially in Palembang, violence and exploitation cases still happening in the orphanage. In this study case in three orphanages with different background. This research purpose is to analyze parenting system applied at Darul Hijrah, Ar-rohim, and Fitrah orphanage Palembang. The research method is qualitative method, with data collection technique through observation, interview and documentation. And data analysis techniques through the phase of data reduction, data presentation and conclusion drawing. The results of research at three orphanages show that the orphanage owner must choose the right parenting system and the wrong selection parenting can’t separated from the role of the orphanage owner. In this research as exemplified by the Ar-Rohim orphanage which has a democratic parenting applied to orphanage children and the result have a positive impact on the development of orphanage children, both developmental psychology, social development and in terms of intelligence. So the hopes that the orphanage children do not feel lost love and attention from parents can be fulfilled.

scholarly journals ANALISIS WACANA “DEBAT CAPRES-CAWAPRES 2019” DAN IMPLIKASINYA DALAM MATA KULIAH PRAGMATIK

2019 ◽  
Vol 2 (2) ◽  
pp. 214-223
Author(s):  
Aida Azizah
Keyword(s):  
Research Method ◽  
Research Data ◽  
Data Presentation ◽  
Presidential Candidates ◽  
Analysis Techniques ◽  
Descriptive Research ◽  
Qualitative Descriptive ◽  
Data Source ◽  
Using Data ◽  
Presidential Debate

Abstrak Analisis melalui tinjauan wacana merupakan salah satu kegiatan praktik dalam pembelajaran mata kuliah pragmatik. Ruang lingkup permasalahan dalam penelitian ini adalah tinjauan analisis dalam wacana “Debat Capres–Cawapres 2019”. Penelitian ini dirancang untuk mendeskripsikan hasil analisis yang terdapat dalam wacana. Penelitian ini menggunakan data penelitian tentang bentuk penggunan bahasa yang digunakan dalam komunikasi. Sumber data yang akan digunakan dalam penelitian ini adalah wacana “Debat Capres–Cawapres 2019”. Metode penelitian ini menggunakan metode  qualitative-descriptive research. Subjek penelitian ini yakni Mahasiswa PBSI FKIP UNISSULA. Teknik pengumpulan data dilakukan melalui analisis wacana “Debat Capres–Cawapres 2019”. Dalam penelitian ini menggunakan teknik analisis data dengan model siklus interaktif berupa penyajian data kemudian melakukan penarikan kesimpulan. Hasil penelitian akan diimplikasikan dalam mata kuliah Pragmatik PBSI FKIP UNISSULA Abstract Analysis through discourse review is one of the practical activities in learning pragmatic subjects. The scope of the problem in this study is a review of the analysis in the discourse "2019 Presidential Candidates-Presidential Candidates". This study was designed to describe the results of the analysis contained in the discourse. This study uses research data on the form of language used in communication. The data source that will be used in this study is the discourse "2019 Presidential Candidates-Presidential Debate". This research method uses qualitative-descriptive research method. The subjects of this study were PBSI FKIP UNISSULA students. Data collection techniques were carried out through the discourse analysis "2019 Presidential Candidate-Presidential Debate". In this study using data analysis techniques with interactive cycle models in the form of data presentation then draw conclusions. The results of the study will be implicated in the Pragmatic PBSI FKIP UNISSULA course

scholarly journals STUDI ETNOMATEMATIKA: KAIN BERBAHAN DASAR HALAL DITINJAU DARI MOTIF SADULUR BATIK LEBAK PROVINSI BANTEN

2021 ◽  
Vol 1 (1) ◽  
pp. 27-39
Author(s):  
Andri Imam Subekhi ◽  
Swastika Oktavia
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Data Reduction ◽  
Research Method ◽  
Qualitative Method ◽  
Literature Study ◽  
Data Presentation ◽  
Analysis Techniques ◽  
Ethnographic Approach ◽  
Data Validity

Ethnomatematics is mathematics that is contained in culture. The purpose of this research is to examine the material of the sadulur batik lebak banten motif through aspects of halal products. The research method used is a qualitative method with an ethnographic approach. The data collection techniques used are literature study, interviews and documentation. The data analysis techniques used were data reduction, data presentation, and conclusion drawing. Data validity checks were carried out by extending observations, increasing persistence, using reference materials. The result of this research is that in the batik sadulur motif of lebak banten, there is a halal aspect of the material used in the form of batik cloth, the equipment used such as cloth, chanting and coloring.

scholarly journals AKUNTABILITAS PEMERINTAHAN DESA DALAM PENGELOLAAN ANGGARAN PEMBANGUNAN DESA

2020 ◽  
Vol 6 (1) ◽  
pp. 67-76
Author(s):  
Ummi Zakiyah ◽  
Ginesta Monra Jelis Sihombing ◽  
Mohamad Yusran Al Aufar ◽  
Nadaa Syafira ◽  
Siti Hofifah
Keyword(s):  
Data Collection ◽  
Research Method ◽  
Qualitative Method ◽  
Data Presentation ◽  
Analysis Techniques ◽  
Funding Sources ◽  
Collection Data ◽  
Descriptive Approach ◽  
The Village ◽  
Transparency And Accountability

Abstract, The purpose of this study is to determine the application of the principles of transparency and accountability in the management of APBDes which includes planning, implementation, reporting, and accountability activities. The research method used is a qualitative method with a descriptive approach. The respondents of this study consisted of the village secretary, treasurer of the PKK, and community representatives. Data collection techniques are by interview, observation and documentation. Data analysis techniques began with data collection, data reduction, data presentation and conclusion drawing. The results of this study indicate that the apparatus of the Pusaka Rakyat Village, Tarumajaya District has applied the principles of transparency and accountability in the management of the APBDes. APBDes planning and implementation has applied the principles of transparency and accountability. While APBDes accountability physically shows an accountable implementation. The main obstacle is the disbursement of funding sources that are not according to plan. Keywords: Accountability, APBDes Abstrak, Tujuan dari penelitian ini adalah untuk menentukan penerapan prinsip-prinsip transparansi dan akuntabilitas dalam pengelolaan APBDes yang mencakup kegiatan perencanaan, pelaksanaan, pelaporan, dan akuntabilitas. Metode penelitian yang digunakan adalah metode kualitatif dengan pendekatan deskriptif. Responden penelitian ini terdiri dari sekretaris desa, bendahara PKK, dan perwakilan masyarakat. Teknik pengumpulan data adalah dengan wawancara, observasi dan dokumentasi. Teknik analisis data dimulai dengan pengumpulan data, reduksi data, penyajian data dan penarikan kesimpulan. Hasil penelitian ini menunjukkan bahwa aparatur Desa Pusaka Rakyat, Kecamatan Tarumajaya telah menerapkan prinsip transparansi dan akuntabilitas dalam pengelolaan APBDes. Perencanaan dan implementasi APBDes telah menerapkan prinsip transparansi dan akuntabilitas. Sementara akuntabilitas APBDes secara fisik menunjukkan implementasi yang akuntabel. Kendala utama adalah pencairan sumber pendanaan yang tidak sesuai dengan rencana. Kata Kunci : Akuntabilitas , APBDes

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