PENERAPAN PRINSIP 5C TERHADAP TINGKAT NON PERFORMING FINANCING (NPF)

AbstrakPembiayaan merupakan salah satu produk yang banyak diminati msayarakat. Dalam meminimalisir kredit bermasalah, tahapan analisis kredit harus menerapkan prinsip 5 C secara maksimal.Metode penelitian yg digunakan ialah deskriptif pendekatan kualitatif. Sumber data didapat dari data primer yaitu diambil dari annual report dan data sekunder yaitu buku, jurnal dan data yang mendukung dari bank.Hasil analisis perbankan yang ingin menekan tingkat NPF harus memperhatikan prinsip 5C dan menganalisa kredit harus mengutamakan kualitas bukan kuantitas. Selain itu terdapat pilar yang mendukung analisa seperti tiga pilar kelayakan yang menjadi dasar utama dari analisa kelayakan pemberian kredit meliputi :1)Kredibilitas manajemen 2)Kemampuan membayar kembali pembiayaan .3)Agunan dan 5 (Lima) regulator dalam mengurangi risiko kredit diantaranya:1)Otoritas Pemberian Pinjaman, 2) Jenis Kredit dan Distribusi Berdasarkan Kategori yang sesuai kebutuhan dan kemampuan calon nasabah, 3) Proses Penilaian diterapkan sesuai ketentuan prinsip proses pembiayaan, 4) Harga Kredit, 5) Penentuan Maturitas/Jatuh Tempo dilakukan untuk meringankan calon nasabah mengembalikan pinjaman ke bank.Kata Kunci : Pembiayaan (Kredit), NPFAbstractFinancing is one product that is in great demand on public. In minimizing problem loans, the stages of credit analysis must apply the principle of 5 C to the maximum.The research method used is descriptive qualitative approach. Sources of data obtained from primary data is taken from the annual report and secondary data, namely books, journals and supporting data from the bank.The results of banking analysis that want to reduce the NPF level must pay attention to the 5C principle and analyze credit must prioritize quality not quantity. In addition, there are pillars that support analysis such as the three feasibility pillars which are the main basis of the feasibility analysis of lending including: 1) Management credibility 2) Ability to repay financing.3) Collateral and 5 (Five) regulators in reducing credit risk include: 1) Loan Provisioning Authority, 2) Types of Credit and Distribution Based on the category according to the needs and abilities of prospective customers, 3) The Assessment Process is applied in accordance with the principles of the financing process, 4) Credit Prices, 5) Determination of Maturity / Maturity to alleviate prospective borrowers to the bank.Kata Kunci : Pembiayaan (Kredit), NPF

Download Full-text

PROFITABILITY ANALYSIS OF TERUBUK FARMING (SACCHARUM EDULE HASSKARL) IN SUBDISTRICT TOSA DISTRICT OF EAST TIDORE OF TIDORE ISLAND

10.31219/osf.io/f6j57 ◽

2018 ◽

Author(s):

Suwandi S. Sangadji

Keyword(s):

Data Collection ◽

Research Method ◽

Quantitative Method ◽

Secondary Data ◽

Primary Data ◽

Profitability Analysis ◽

Sample Method ◽

Document Review ◽

Revenue Production

The purpose of this researchment is to ascertain how wide the farming of species Saccharun Edule Hasskarl (terubuk) in sub district Tosa, district of East Tidore of Tidore Island through the indicator of the value revenue, production and selling prices so that the farmers will achieve The Break Event Point (BEP). The research method was used a quantitative method with the number of samples of 30 people. The determination of the sample method is using the census method or involving all members of the population into a sample of researchment. The secondary data collection was done by using library literature in the form of document review and relevant references to research object while primary data collection was done by using questionnaire. The data is using equation R /C Ratio, BEP Revenue, BEP Price, and BEP Production. Therefore from the results of the researchment it can be explained that the two of the thirty farmers come through the break event point, while the other twenty-eight farmers declared having a business that worth to be develop or experiencing profit, because the R/C ratio is above 1.0 with average profit reach Rp. 989.000, - per production / farmer.

Download Full-text

Perubahan Sosial Terhadap Perkembangan Desa Rasau Jaya 3 Setelah Pembangunan Taman Bunga Rajati Flower Garden

Jurnal Pendidikan Sosiologi dan Humaniora ◽

10.26418/j-psh.v11i1.42945 ◽

2020 ◽

Vol 11 (1) ◽

pp. 30

Author(s):

Istiqomah Istiqomah ◽

Ragil Tri Novitasari

Keyword(s):

Social Change ◽

Research Method ◽

Secondary Data ◽

Development Planning ◽

Qualitative Approach ◽

Data Sources ◽

Primary Data ◽

The People ◽

The Village ◽

Economic Improvement

The purpose of this study is for learning. This study entitled Social Change Towards Development of Rasau Jaya Village 3 After the Development of the Rajati Flower Garden. With the problem of how social change in the village of Rasau Jaya 3, economic improvement after the construction of a flower garden, development planning or the addition of facilities. This research method is a descriptive qualitative approach. Data sources of this research are primary data and secondary data. The results showed that: after the construction of the flower garden in Rasau Jaya 3 village the development of social change there was increasing, the people there accepted the development of the flower garden, because with the development of the community's economy there could be increased, because the people there could sell at around the flower garden so that it can increase their economy again there, and there will be plans to add facilities in the flower garden so that it can attract visitors to keep coming to the flower garden of the flower garden rajati.

Download Full-text

PERAN PENYELENGGARA PEMILU DALAM PEMILIHAN LEGISLATIF 2014 DI KABUPATEN SIDOARJO

JKMP (Jurnal Kebijakan dan Manajemen Publik) ◽

10.21070/jkmp.v3i1.183 ◽

2015 ◽

Vol 3 (1) ◽

pp. 93

Author(s):

Dwi Purnamasari ◽

Ashabul Kahfi ◽

Arief Fatchur Rachman

Keyword(s):

Mass Media ◽

Research Method ◽

Secondary Data ◽

Policy Formulation ◽

Qualitative Approach ◽

General Election ◽

Primary Data ◽

Legislative Elections ◽

Election Commission

This study aims to analyze and determine the role of the Election Supervisory Committee and the Commission (general election commission) Implementation of legislative elections in 2014 in Sidoarjo and analyze the factors that cause a lack of understanding of policy formulation election organizers in the respective organizers of the Role of Election Supervisory Committee and the General Election Commission. This research method is using descriptive qualitative approach. The data needed is a secondary data in the form of books, journals, articles, print media (newspapers) and the mass media as well as primary data obtained from informants through. Based on the results of this study concluded that the role of each institution in the administration of elections has not run optimally in accordance with Law Number 15 of 2011 on the Election. In the implementation on the ground found some constraints on each institution in organizing legislative elections in 2014 related to the duties and responsibilities between the Role of the Election Supervisory Committee and the General Election Commission.

Download Full-text

PERTIMBANGAN HAKIM DALAM MEMUTUSKAN PERKARA DISPENSASI NIKAH BERDASARKAN ANALISIS MASLAHAH (Studi Penetapan Hakim No. 266/Pdt.P/2020/PA.Pwr di Pengadilan Agama Purworejo)

Al-Syakhsiyyah: Journal of Law & Family Studies ◽

10.21154/syakhsiyyah.v3i1.3068 ◽

2021 ◽

Vol 3 (1) ◽

pp. 131-144

Author(s):

Waluyo Sudarmaji

Keyword(s):

Qualitative Research ◽

Secondary Data ◽

Technical Analysis ◽

Qualitative Approach ◽

Primary Data ◽

Normative Approach ◽

Primary Data Source ◽

Data Source ◽

Husband And Wife

In the event that the prospective bride and groom will hold a marriage registered at the local Office of Religious Affairs If the age is less than 19 years, it will be rejected because the marriage conditions are not fulfilled. Because the marriage is considered urgent to be carried out, then parents or guardians can apply for a marriage dispensation at the Religious Court. Marriage dispensation is an application for ratification of a marriage that will take place by the prospective bride and groom or one of the prospective brides who are not old enough to marry. This research is the result of research on the consideration of judges in deciding the case of marital dispensation with the analysis of maslahah with the main problem of consideration of judges in deciding the case and the analysis of maslahah. This research is analitive descriptive qualitative research with normative approach, data source used by primary data source in the form of interviews, observations, and secondary data in the form of court determination. The technical analysis of data used is qualitative approach to primary data and secondary data. The purpose of this research is what the judge considered in the Purworejo Religious Court in granting the application for marital dispensation on the determination No. 266/Pdt.P/2020/PA/Pwr, and to find out the determination of judges in the Purworejo Religious Court regarding marital dispensation which is analyzed through maslahah. Based on the results of the research conducted, it can be concluded that the consideration of the judge in granting the request for marital dispensation is on the grounds that the marriage is urgent to be done, between the husband and wife there is no obstacle to marriage and the two families have approved each other. In the analysis maslahah consideration of judges included in the maslahah doruriyah because to maintain religion and descendants.

Download Full-text

The Review of Transaction Sale Juridical Bring Through The Instragram

Veteran Justice Journal ◽

10.33005/vjj.v1i1.19 ◽

2020 ◽

Vol 1 (1) ◽

pp. 68-55

Author(s):

Sengaji Sengaji

Keyword(s):

Data Collection ◽

Research Method ◽

Legal Protection ◽

Secondary Data ◽

Problem Formulation ◽

Qualitative Approach ◽

Primary Data

This aims to find out How to Purchase Transactions Effects Online Through Instagram Media and How to Remedy The aggrieved party in buying and selling online through Instagram media. This study uses a normative research method with data collection techniques used to solve the problem formulation, namely the literature data obtained based on legislation and literature or official books. Analysis of the data used is a qualitative approach to primary data and secondary data. The results of the study can be concluded that the rights and obligations of the parties who made a sale and purchase agreement through the Instagram media can bring about a result of the agreement. From this we can know which obstacles arise from the rights and obligations of the sale and purchase agreement. And if a dispute has occurred, then legal protection can be carried out preventively and repressively. And can be continued with efforts to resolve the dispute.

Download Full-text

Konsep Komunikasi Pendidikan dalam Alqur`An Surat Lukman

Journal Of Administration and Educational Management (ALIGNMENT) ◽

10.31539/alignment.v1i1.278 ◽

2018 ◽

Vol 1 (1) ◽

pp. 24-37

Author(s):

Ahmad Gawdy Prananosa ◽

Dooni Pestalozi ◽

Adisel Adisel

Keyword(s):

Research Method ◽

Educational Communication ◽

Secondary Data ◽

Research Problem ◽

Qualitative Approach ◽

Primary Data ◽

Literature Research ◽

The World ◽

Father And Son

This study aims to examine the concept of educational communication in alqur`an letter Lukman. This research is designed using qualitative approach by applying literature research method. The data used in this study comes from primary data and secondary data, while the primary data are the Qur'anic Manuscript of Lukman and supported by the hadiths of the Prophet relevant to the research problem, while the secondary data comes from books, magazines and written documents. The conclusion of this study reveals that the concept of educational communication in Surat Lukman is indicated by the dialogical atmosphere between father and son in an effort to achieve the salvation of life in the world and in the hereafter. The term dialogis here indicates that there is an element of communication between two people, in this case father and son. Father is a communicator or initiator of ideas in planning the atmosphere of the dialogue. But also he is at the same time the listener (in feedback dialogue) so that he at once became a communicant Keyword: Education Communication, al-Qur`an Surat Lukman

Download Full-text

ANALISIS MODAL PINJAMAN DAN RENTABILITAS EKONOMI PADA KOPERASI PEGAWAI REPUBLIK INDONESIA (KPRI) KARYA BHAKTI DINAS KOPERASI UMKM PERINDUSTRIAN DAN PERDAGANGAN PROVINSI SULAWESI TENGAH

Jurnal Ilmu Manajemen Universitas Tadulako (JIMUT) ◽

10.22487/jimut.v1i2.16 ◽

2015 ◽

Vol 1 (2) ◽

pp. 139-150

Author(s):

Kharisman Haslan ◽

Muslimin Muslimin ◽

Muhammad Faisal

Keyword(s):

Data Analysis ◽

Trend Analysis ◽

Annual Report ◽

Secondary Data ◽

Qualitative Approach ◽

Primary Data ◽

Collection Method ◽

Descriptive Research ◽

The Subject ◽

Central Sulawesi

This research aims to determine, understand, and analyze the influence of capital lending and economic profitability on the cooperative for The Indonesian Republic officials ‘Karya Bhakti’ of The Departement of Industry Cooperation and Trading at Central Sulawesi Province. It is a descriptive research using quantitative and qualitative approach that consists of primary data and secondary data. Data collection method to obtain the primary data is observation on Karya Bhakti Employee Cooperative as the subject of research and secondary data obtained from the financial annual report Karya Bhakti Cooperative. The analysis of loan capital and economic profitability of Karya Bhakti Cooperative is measured by using trend analysis. Based on the data analysis from 2008 to 2013, it indicates that the development of Loan capital has increased every year. This is due to the development of the business managed by the cooperatives operations, while the development of the economic profitability has been fluctuated, as well as the result of trend analysis of capital lending and economic profitability showed an increase every year. Penelitian ini bertujuan untuk mengetahui, memahami dan menganalisa modal pinjaman dan rentabilitas ekonomi pada KPRI Karya Bhakti Provinsi Sulawesi Tengah. Penelitian ini merupakan penelitian deskriptif, dengan menggunakan pendekatan kuantitafif dan kualitatif yang terdiri dari data primer dan data sekunder. Dimana peneliti mendeskripsikan hasil penelitian dengan menggunakan angka. Proses pengumpulan data penelitian ini menggunakan metode observasi yaitu pengumpulan data primer pada KPRI Karya Bhakti yang menjadi objek penelitiandan data sekunder berupa laporan keuangan yang diperoleh dari laporan tahunan KPRI Karya Bhakti. Untuk mengukur Analisis modal pinjaman dan Rentabilitas Ekonomi KPRI Karya Bhakti menggunakan Analisis Trend. Berdasarkan hasil analisis data pada tahun 2008 – 2013 menunjukan bahwa perkembangan modal pinjaman mengalami kenaikan ditiap tahunnya hal ini disebabkan karna adanya perkembangan usaha yang dikelola koperasi dimana modal pinjaman dibutuhkan untuk mendukung atau membiayayi kegiatan oprasional usaha koperasi. sedangkan perkembangan rentabilitas ekonomi mengalami kenaikan dan penurunan. Serta hasil analisis trend modal pinjaman dan rentabilitas ekonomi menunjukan adanya peningkatan ditiap tahunnya.

Download Full-text

PERILAKU SOSIAL MUSLIM TERHADAP LGBT DALAM FILM CINTA FIISABIILILLAH VERSI YOUTUBE

JURNAL KOMUNIKATIO ◽

10.30997/jk.v5i1.1690 ◽

2019 ◽

Vol 5 (1) ◽

Author(s):

Rifa Ulfayati Huri ◽

Sukarelawati Sukarelawati ◽

Maria Fitriah

Keyword(s):

Social Behavior ◽

Data Collection ◽

Research Method ◽

Descriptive Analysis ◽

Secondary Data ◽

Qualitative Approach ◽

Primary Data

This study aims to find out Muslim social behavior towards LGBT in the film Cinta Fiisabiilillah on Youtube. This study used a qualitative approach and descriptive analysis research method by carrying out data collection techniques using primary data and secondary data. Primary data is in the form of observations and interviews. While secondary data is in the form of documentation. The object of research is the Cinta Fiisabiilillah Film. The results showed that Muslim social behavior towards LGBT in the film Cinta Fiisabiilillah was to accept and embrace it to hijrah Fiisabiilillah together and not move away because of its poor past. Keywords: Behavior, LGBT, Film

Download Full-text

IMPLEMENTASI PROGRAM PELIBATAN DAN PEMBERDAYAAN MASYARAKAT PT TIRTA INVESTAMA AQUA BABAKAN PARI

JURNAL KOMUNIKATIO ◽

10.30997/jk.v5i1.1692 ◽

2019 ◽

Vol 5 (1) ◽

Author(s):

Raisatul Janah ◽

Mrs. Sukarelawati ◽

Mrs. Agustini

Keyword(s):

Social Behavior ◽

Data Collection ◽

Research Method ◽

Descriptive Analysis ◽

Secondary Data ◽

Qualitative Approach ◽

Primary Data

Download Full-text

Penetapan Sita Eksekusi oleh Pengadilan Tanpa Didasari Diktum Putusan Akhir yang Mengabulkan Sita Jaminan (Analisis terhadap Perkara Nomor 332/ PDT.G/2016/PN.JKT.SEL)

ADHAPER: Jurnal Hukum Acara Perdata ◽

10.36913/jhaper.v6i1.98 ◽

2020 ◽

Vol 6 (1) ◽

pp. 1

Author(s):

Anita Afriana ◽

Abdoel Harun Lamo

Keyword(s):

Research Method ◽

Secondary Data ◽

Primary Data ◽

Legal Certainty ◽

The Law ◽

Legal Consequences ◽

Legal Force ◽

Civil Dispute

A civil dispute issue was raised by litigants to the court in order to obtain a ruling. As for the verdict has power the law remains, the content was ﬁ nal judgement that can be executed. The ﬁ nal decisions that have permanent legal force should be able to be implemented voluntarily or if not, then it can be done by force (execution). In practice, there is a case where the execution decision by the chair of the court is absent and is not based on a court rulling stating that a valid and valuable consifcation guarantee. This article discusses process Letter of Determination of Conﬁ scation of Execution without being based on a judge's decision that granted conﬁ scation of collateral in case No. 332/Pdt.G/2016/ PN.Jkt.Sel and the legal consequences of the party executed by the Execution Seizure determined by the head of court in case No. 332/Pdt.G/2016/PN.Jkt.Sel, when the decision has been legally binding it is still associated with the principle of legal certainty in the HIR. The research method used in this thesis is normative juridical which puts forward secondary data by completing primary data in the form of interviews with informants. With analytical analytics, secondary data and primary data are analyzed qualitatively. The results of this research indicate that the determination of the conﬁ scation of execution issued by the chairman of the Court in case No. 332/Pdt.G/2016/PN.Jkt.Sel is valid, if it is related to Article 227 HIR that a decision has permanent legal force, the winning party may submit a seizure of execution conﬁ scation that was never previously stipulated in the decision and the legal consequences against Determination of execution, namely the Defendant's assets must be conﬁ scated in accordance with the determination of the execution for the beneﬁ t of the Plaintiff for the sake of legal certainty as the party won.

Download Full-text