scholarly journals ANALISIS KREDIT BERMASALAH DILIHAT DARI STANDAR NON PERFORMING LOAN (NPL) PADA PT. BANK PERKREDITAN RAKYAT (BPR) PRIMA MULIA ANUGRAH CABANG PADANG

2019 ◽  
Author(s):  
Arif Firmansyah ◽  
jhon fernos

This research was aimed to know: (1) the cause of non performing loan at PT. BPR Prima Mulia Anugrah Padang branch in 2015-2017, (2) the impact of non performing loan to the profit of company in 2015-2017, (3) the effort which is done to overcome the non performing loan at PT. BPR Prima Mulia Anugrah Padang branch in 2015-2017. The data were collected by using interview and documentation. The data were analyzed using case study analysis with quantitative approach. The result of the study showed that (1) non performing loan to four accasioned factor, that is: the lack of officers accuracy in loan analysis, the bad faith of officers of PT BPR Prima Mulia Anugrah Padang branch, the lack of loan suvervision system, and economic downturn. (2) the impact of non performing loan toward the Bank were profit decreases, disruption of cash turnover, the reduce of the bank healty level, the reduce of bank capital, and decline in public confidence. (3) the effort which was done to overcome the non performing loan at PT. BPR Prima Mulia Anugrah Padang branch were restructuring, rescheduling, foreclosure bail, and loan deletion (account receivable deletion).

2020 ◽  
Author(s):  
Yori Qalbi Khairi ◽  
Ratna Widayati

This study aims to determine the level of bank health at PT. BPR Raga Dana Sejahtera in the Padang branch by using non-pefoming loan standards in 2015-2017, the impact of non-performing loans on company profits in 2015-2017, efforts made to overcome non-performing loans at PT. BPR Raga Dana Sejahtera Padang branch in 2015-2017. Data was collected using interviews and documentation. Data were analyzed using case study analysis with a quantitative approach. The results showed that the classification of the Bank's health level there are four categories, namely: healthy, healthy enough, less healthy, and unhealthy. the impact of non-performing loans to the Bank is the decline in profits, disruption of cash turnover, reduced level of bank soundness, reduced bank capital, and decreased public confidence. efforts made to overcome problem loans at PT. BPR Raga Dana Sejahtera Padang branch is a restructuring, rescheduling, foreclosure guarantee, and write off loans (write off receivables).


Author(s):  
Deepa Singh

The concept of work life balance emerged during the Industrial Revolution. In those days Industrialists agreed upon labour union’s demand of ‘One day off’. Later on, this is converted into ‘two day off’ which is followed in all the western countries. Grady et al (2008) stated that the term’ work-life balance’ is more comprehensive and includes “family, community, recreation and personal time.” The objectives of the research are to study the impact of practices followed in Norway and India on work-life balance, to gain insight on Google company’s work-life balance practices, to identify and suggest vital work-life balance practices that can be applied in Indian context. The research is descriptive in nature. The data has been collected mainly from secondary sources – research papers, annual report of companies (employee engagement) and articles. The tools used for achieving objectives and analysing are comparison method, case study analysis and survey method. The comparative and case study analysis shows that the education system, job security, income inequality are some of the factors which hinder the work-life balance in India. Flexi hours, time for creativity, family participation in workplace boost the enthusiasm and morale of the employees. The research is based on secondary sources. The primary data would more effectively convey the problems faced in work life balance. The work-life balance practices followed by only one company is taken into the study due to time constraint. The comparative analysis of work-life balance practices of big films would give better insight and would help in deriving dynamic solution. The sector centred, institution centred or gender centred study will give broader overview of the work-life balance. The search acts a base for comparative analysis.


2020 ◽  
pp. 1087724X2097304
Author(s):  
David Weinreich ◽  
Ahmad Bonakdar

This study examines how the voluntary nature of local membership in transportation agencies can impact resource allocation, drawing on details from a major US transit agency in a state that lets cities opt in or out of transit agency membership. This study finds significant correlation between local opt-outs and transit service using national data. This study examines the impact opt-outs have on transit resource allocation and decision making over time, their effect on transit service over decades, and equity implications, using historical case study analysis from the Dallas Area Rapid Transit system (DART). This study concludes that authorizing legislation allowing local jurisdictions to opt out of transit districts weakens planning capacity, creates a structure making it difficult to allocate scarce transit dollars based on transit need and social equity goals, instead favoring allocation based on satisfying each municipality.


2020 ◽  
Vol 29 (4) ◽  
pp. 431-450
Author(s):  
Stella Moss

This article considers the significant increase in wine consumption in Britain in the period 1965–85. It explores the social and cultural meanings attached to wine through a case study analysis of Good Housekeeping, a women's magazine aimed at a mainly middle-class readership. The vast majority of wine consumed in Britain at this time was European, the appeal of which was, for many, rooted in an idealised evocation of continental sophistication. In illuminating the development of new socio-cultural habits, this article reveals the influence of continental tourism is bolstering enthusiasm for wine, as well as the impact of greater availability and affordability in popularising consumption.


Author(s):  
Amanda Whittal ◽  
Elena Nicod ◽  
Mike Drummond ◽  
Karen Facey

Abstract Background Conventional appraisal and reimbursement processes are being challenged by the increasing number of rare disease treatments (RDTs) with a small evidence base and often a high price. Processes to appraise RDTs vary across countries; some use standard processes, others have separate processes or adapted processes that explicitly deal with rare disease specificities. The objective of this study was to examine the impacts of different appraisal processes for two RDTs. Methods A case study analysis was conducted using countries with different forms of appraisal processes for RDTs for which public health technology assessment (HTA) reports were available. Two contrasting RDTs were chosen according to the criteria: rare versus ultra-rare treatment, affecting child versus adult, life-threatening versus disabling. Information from public HTA reports for each country's RDT appraisal was extracted into templates, allowing a systematic comparison of the appraisals across countries and identification of the impact of the different processes in practice. Results Reports from Belgium, England, France, Germany, Italy, Netherlands, Norway, Scotland, Sweden, and the USA were selected for nusinersen (for spinal muscular atrophy) and voretigene neparvovec (for inherited retinal disorders). Countries with separate or adapted processes had more consistent approaches for managing RDT-related issues during appraisal, such as stakeholder involvement and criteria to address the specificities of RDTs, creating more transparency in decision-making. Conclusions Findings suggest that separate or adapted approaches for RDT appraisal may facilitate more structured, consistent decision-making and better management of RDT specificities.


2017 ◽  
Vol 23 (2) ◽  
Author(s):  
Rachel L. Lumsden

This article offers a detailed explication of the relationship between Ruth Crawford and Vivian Fine, who was Crawford’s composition student in the 1920s. Drawing on work by feminist scholars such as hooks, Heilbrun, and Miller, I focus on the connections between gender and modernism in two different aspects of the Crawford/Fine relationship: mentoring and musical style. Closer examination reveals valuable insights not only into the gendered implications of the affectionate, empathetic relationship that the two women created and sustained, but also the impact that Crawford’s mentoring had on Fine’s development and emergence as an atonal composer. A case study analysis of Fine’sLittle Suite for Voice and Piano, written just after Fine’s studies with Crawford, helps to elucidate the structural and stylistic connections between the two composers. A recording ofLittle Suite, which is only available in manuscript and has not been performed since 1931, was also prepared as part of this article.


Author(s):  
Taweerat Jiradilok ◽  
Settapong Malisuwan ◽  
Navneet Madan ◽  
Jesada Sivaraks

2019 ◽  
pp. 607-614

Forest certification plays an important role in supporting and ensuring sustainable forest management. By November 2017, the FM FSC certified state hunting and forestry enterprises are 72 in number, part of which are included in group certificates of the respective state-owned enterprises in whose territory they are located. Certified forest area in Bulgaria in November 2017 is 1 315 594 ha. These numbers are growing very fast at the moment. The main objective of the study is to analyze and evaluate the profitability of introducing the FSC certificate for sustainable forest management. In this respect a case study analysis is carried out at Yundola and Petrohan, which are Training forest enterprises at the University of Forestry - Sofia. These two forest enterprises and adjacent state forest and hunting forest enterprises are considered in this case as model forest areas, including certified and subject to certification forest enterprises and typical forest areas with coniferous and deciduous forests. The following research objectives were fulfilled in order to achieve the stated goal: 1.Analysis and estimation of the profitability of the implementation of the FSC certificate for sustainable forest management in Yundola Training forests. 2.Analysis and estimation of the profitability of the implementation of the FSC certificate for sustainable forest management in the Petrohan Training forests. Based on the study and the results obtained, conclusions and recommendations were made on the impact of FSC certification on the activities of certified FSC forest enterprises. On the basis of a developed model analysis of the profitability of State hunting enterprise Vitinya, a methodology for analysis and assessment of the profitability of forestry and hunting forest enterprises, certified and subject to FSC certification was developed.


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