scholarly journals Strategi Pencegahan Pembiayaan Bermasalah pada BPRS di Kabupaten Bogor

Al-Muzara ah ◽  
2020 ◽  
Vol 8 (1) ◽  
pp. 73-93
Author(s):  
Aulia Nur Cahyani ◽  
Neneng Hasanah ◽  
Mohammad Iqbal Irfany

Financing is channeling funds carried out by Islamic banks, such as Islamic rural banks (BPRS). Risk arising from financing is default risk assessed by the ratio of Non Performing Financing (NPF). BPRS in the area of Kabupaten Bogor have NPF values above the safe limit set by Bank Indonesia. The purpose of this study is to identify the causes and solutions of default financing and formulate strategies for preventing default financing of BPRS in Kabupaten Bogor. The method used in this study is Analytic Network Process (ANP). The total respondents in this study are five. The result showed that external cause is the most influential factor towards the occurrence of default financing. The most influential external cause is customer's bad intention. External solution is the priority solution that need special attention. The priority external solution is strengthening the analysis. The most influential internal cause is adverse selection. Internal solution that is prioritized is training for finance officers. The priority of the default financing prevention strategy in this study is formulating financing risk mitigation.    

2014 ◽  
Vol 2 (2) ◽  
pp. 392
Author(s):  
Irman Firmansyah ◽  
Wawan Sukmana

Zakat is an obligation that must be carried out by muzakki that not only aims to carry out obligations to Almighty but sharp-edged nature of social justice among mankind. Therefore charity must be managed properly by the board amilin especially by channeling zakat use specifically targeted at Tasikmalaya City Baznas charity board.The study was to examine the affairs of Baznas perzakatan at Tasikmalaya City. Analysis tool used namely Analysis Network Process (ANP) is a qualitative-quantitative method using super decision software . The analysis showed that there is an internal problem which consists of lacking leadership and lacking performance OPZ performance. The problems consist of the absence of external PERDA about channeling zakat institutions and communities less know Baznas. As for an internal solution consisting of leadership and performance maximization of transparency and distribution, while the external solution consisted of socialization and support Baznas scholars. Kendall coefficient ( W ) ranged from 0.970 to 0.9975 means that all respondents have the same relative answer.


2017 ◽  
Vol 34 (9) ◽  
pp. 1551-1567 ◽  
Author(s):  
Sandeep Kumar ◽  
J.J. Thakkar

Purpose Schedule and cost overrun analysis for a typical research & development (R&D) project is necessary to identify and mitigate the non-feasible alternatives at the design stage. Typically, this should include an analysis of technological and economic factors of R&D project. This paper aims to discuss these issues. Design/methodology/approach This research proposes an integrated analytic network process (ANP) and reusable system dynamics (SD) model for a quick and strategically consistent decision making. The technological and economic factors of R&D project were first identified and compiled through a systematic literature review. An ANP model was first developed for calculating Risk Priority Index (RPI) for set of technological and economic factors. The computed RPI are considered as an input to SD models. Two SD models (technological and economic) are developed to undertake a detailed investigation on effect of individual factor on schedule and cost overrun. The approach is exemplified for a case of government R&D project in India. Findings ANP identifies “Testing & qualification facility” and “Raw material availability” as the highest RPI factors. A detailed sensitivity analysis of SD models suggests that technological factors such as “Design Changes,” “Hidden Activities,” and “Lack of Expertise” and economic factors such as “Project delays,” “Unexpected incidents” and “Conflicts” have the highest influence on schedule and cost overrun. Practical implications The outcomes of this research can help managers to estimate the severity of various technological and economic factors on cost and schedule overrun and develop an adequate risk mitigation contingency plan. Originality/value In case of R&D projects where systems are being developed for the first time, changes are inevitable, and hence schedule and cost management plays a very important role in its success. This paper proposes an integrated reusable approach of ANP and SD for analyzing the influence of technological and economic factors on schedule and cost overrun of R&D project.


2015 ◽  
Vol 3 (2) ◽  
pp. 19-26
Author(s):  
Asep Suryanto ◽  
Fatimah Zahra Nasution

Small and Medium Enterprise (SME) is one of the significant roles in national economic development. It is seemly followed by the rise of employment absorbent and equity in income distribution. The capital constraint and the impedance of banking financial access have become the main problem to the Small and Medium entrepreneurs. The objectives of this research are to identify the main factors as problems of Small and Medium Enterprises in having access to the financial institutions, and also to find out the solutions of the research problems. This research uses qualitative approach i.e. Analytic Network Process (ANP). Through applying this method, it is expected to help the researchers in making measurement and synthesis of some factors regarding on the topic analyzed as well as finding the solution for problems faced by the SMEs. The resources of the data is derived from questionnaires and in-depth interview with experts, practitioners, SMEs and regulators which then analyzed by the structure and hierarchy into homogen clusters of the SMEs problems and solutions, measuring into ratio scale and building synthesis. As the result, it becomes clear what factors impeding the financial access of the SMEs to banks. The results of this research show that the difficulties of SMEs in accessing financial support in Islamic financial institutions are internal problems of Islamic banking i.e. lack of financial assistance given to the SMEs, the functions of Islamic banking as business partners for SMEs is not optimal. Whereas the external problems in the SMEs are the disability in meeting the financial requirements asked by Islamic banking that are collateral and business history. The internal solutions are Islamic banking must give business mentoring to SMEs that have received financial supports to minimalize the bad credits level. The external solution is the government must also socialize Islamic financial mechanism to SMEs as part of education efforts.


Mathematics ◽  
2021 ◽  
Vol 9 (4) ◽  
pp. 414
Author(s):  
Shih-Chia Chang ◽  
Hsu-Hwa Chang ◽  
Ming-Tsang Lu

Evaluating Industry 4.0 technology application in small and medium-sized enterprises (SMEs) is an issue that requires a multi-criteria strategy comprising quantitative and qualitative elements. The purpose of this study is to integrate performance estimation of Industry 4.0 technology application using the technology–organization–environment (TOE) framework. Relating TOE to Industry 4.0 technology application evaluation is more multifaceted than other methods and it requires comprehensive analysis. In this study, we applied a multiple-criteria decision-making (MCDM) approach to develop a model which integrates MCDM to perform an assessment that prioritizes the influence weights of Industry 4.0 technology application to SMEs’ factors. Firstly, we carried out a review of the literature and the TOE framework was selected to generate nine elements, along with three aspects used to measure Industry 4.0 technology application in SMEs. Secondly, the approach of the decision-making trial and evaluation laboratory (DEMATEL) was set up using an influence network relations digraph (INRD). The DEMATEL-based analytic network process (DANP) was used to indicate the influence weights linking the above aspects and elements. Lastly, the modified VlseKriterijumska Optimizacija I Kompromisno Resenje (VIKOR) technique applied influence weights to assess the aspects/elements in the gaps identified and to investigate how to reduce the gaps so as to estimate the application of Industry 4.0 technology by SMEs. The results show that the technology aspect is the most influential factor.


2020 ◽  
Vol 6 (9) ◽  
pp. 1814
Author(s):  
Nur Sa’diyah ◽  
Noven Suprayogi

The purpose of this study is to find out the technique of risk mitigation in home ownership financing (PPR) conducted by PT Indo Tata Graha. This study uses qualitative approach with descriptive case study strategy. The data in this study were obtained through primary data in the form of interviews and secondary data in the form of documentation. The results of this study indicate that the risk of home ownership financing (PPR) consists of risks of cancel, default risk, risk of miss manage and the risk of delays in the delivery of goods). To minimize the occurrence of losses and impacts due to risk, Sharia Property Developer has risk mitigation carried out which is divided into two stages, namely before the occurrence of risk and after the occurrence of risk.Keywords: house ownership financing (PPR), PT Indo Tata Graha, risk in house ownership financing, risk mitigation of sharia property developer


The Winners ◽  
2021 ◽  
Vol 22 (2) ◽  
Author(s):  
Shelvy Kurniawan ◽  
Denny Marzuky ◽  
Rio Ryanto ◽  
Vanny Agustine

This research studied PT XYZ, a company engaged in the palm oil industry which has eleven subsidiaries spread across five provinces in Indonesia, namely North Kalimantan, West Kalimantan, East Kalimantan, Central Kalimantan, and South Sumatra. The research focused on analyzing supply chain risks in PT A, a subsidiary of PT XYZ.. The objective was to find out and reduce unexpected costs that the company may experience caused by the risks in supply chain. Furthermore, the aim was to determine priority of risk agents and risk mitigation actions. The research method was a mixed methods, which combined both qualitative and quantitative analysis to answer the research questions. Data analysis procedure involved Supply Chain Operations Reference (SCOR), House of Risk (HOR) 1 and Analytic Network Process (ANP). The SCOR method was used for mapping supply chain activities, the HOR 1 was to determine the priority of the risk agent, and the ANP was to determine the priority of mitigation actions. The results show that there are 36 risk events and 35 risk agents. 19 risk agents are categorized as priority risks and 11 preventive actions are proposed to be implemented by PT XYZ. The research suggests that the company implement mitigation actions according to priority in accordance with the research results, for example, by improving the condition of the main garden road.


2018 ◽  
Vol 218 ◽  
pp. 04022 ◽  
Author(s):  
Nurul Ummi ◽  
Putro Ferro Ferdinant ◽  
Ade Irman M.S ◽  
Akbar Gunawan

Supply chain risk is difficult to predict and cause losses that will affect business growth. Supply chain management is a method used for risk control by being used in the cassava industry supply chain. This objective is to determine the risks that will occur and potentially disrupt the supply chain, to determine the risk agent sequence from the Aggregate Risk Potential (ARP) score, and to determine priority mitigation actions. This study uses integration methods. (HOR), and Analytic Network Process (ANP) with pareto diagrams and method-based ratings. The SCOR method is used to map supply chain activities and classify supply chain activities. Meanwhile, the HOR method is used in identifying risk events and risk agents, as well as assessments based on the assessment of the FMEA method. The output of the HOR method is the ARP score used for the priority of the risk agent. Pareto diagrams are used in the priority of risk agents that must be immediately addressed based on the ARP score. The ANP method is used to determine the priority of mitigation actions. Based on this study, researchers obtained 21 risk events and 30 risk agents with 17 risk agents including priority risk agents and 13 non-priority risk agents, and 10 mitigation measures.


Author(s):  
Romindo Romindo ◽  
Jamaludin Jamaludin

Kegiatan bisnis pada toko daring semakin berkembang dengan seiring berkembangnya teknologi, proses jual dan beli dengan media internet pun semakin marak dilakukan oleh Masyarakat. Masyarakat tidak perlu lagi keluar rumah dan menghadapi macetnya jalan jika ingin membeli suatu barang. Perkembangan inipun dirasakan oleh masyarakat khususnya mahasiswa Politeknik Ganesha. Mahasiswa Politeknik Ganesha sering melakukan kegiatan berbelanja di toko daring atau biasa dikenal dengan online shop. Kegiatan yang dilakukan oleh mahasiswa Politeknik Ganesha ini seringkali menimbulkan perbincangan tentang toko daring. Perbincangan seputar toko daring untuk memenuhi kebutuhan mahasiswa dalam berbelanja online, serta perbincangan dalam perbandingan memilih toko daring mana yang terbaik dalam berlanja online. Dengan permasalahan yang terjadi dikalangan mahasiswa Politeknik Ganesha, maka penting diketahui dalam menentukan keputusan pemilihan toko daring mana yang terbaik dilingkungan Politeknik Ganesha. Proses pemilihan tersebut menggunakan metode Analytic Network Process (ANP) sebagai salah satu metode pada Sistem Pendukung Keputusan. 10 kriteria yang sudah ditentukan oleh mahasiswa Politeknik Ganesha, yaitu: Nomor Telepon/Chatting Online, Produk Popular, Gratis Ongkos Kirim, Sistem Pemabayaran, Logo, Sosial Media Link, Toko Finder, Merk Produk, Berita Terbaru, dan Trusmark. Dan 3 alternatif jenis Toko Daring yaitu: Bukalapak, Shopee dan Lazada. Hasil penelitian pada pengolahan data menggunakan metode ANP menunjukkan bahwa jenis toko daring yang bisa direkomendasikan dikalangan mahasiswa Politeknik Ganesha adalah yang peratama sebagai prioritas tertinggi Shopee = 3.80, kemudian yang kedua adalah Bukalapak = 3.73, dan yang terakhir adalah Lazada = 2.47.


2020 ◽  
Vol 24 (5) ◽  
pp. 553-565
Author(s):  
Reza Kiani Mavi ◽  
Hamed Gheibdoust ◽  
Ahmad A. Khanfar

Nowadays, it is obvious that creative tourism industry has become very essential for countries and societies; therefore, governments work on constituting policies in order to develop this industry. To be successful in improving creative tourism industry, governments should identify the influential factors and focus on ones that are more important rather than investing a bit on many different factors. Because of the interrelations among factors, this research is aiming to prioritize factors that influence strategic policies of creative tourism industry in Iran using analytic network process (ANP). Data were collected during the period of May 2017 to February 2018. Participants in this research are 13 tourism experts with more than 10 years' experience in the field. Results show that the most influential criterion is "business support" and the most influential subcriterion is "supporting midsize businesses." This study helps policy makers to improve creative tourism by emphasizing on those factors that have high priority from the viewpoint of strategic policy-making.


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