scholarly journals ANALISIS KINERJA KEUANGAN PT. PEGADAIAN CABANG ULAK KARANG

2018 ◽  
Author(s):  
Ivo Zainal Arifin ◽  
Doni Marlius

The purpose of this study is to determine the condition of the financial performance of PT. Pegadaian based on liquidity, solvency and profitability ratios for 2014-2016. Field Research That is a research method by going directly to the company which is the object of study to examine the results of the data that are the object of study. Data collection techniques are carried out by interviewing and observing. Library Studies Namely research that conducts into the library several scientific books and writings relating to the discussions conducted. The total assets in 2014 were Rp. 14,657,224,764 and increased in 2015 to Rp. 15,475,878,645. Total assets in 2016 were Rp. 16,676,381,297. In 2014 with total sales of Rp.21,388,740 companies obtained a profit of Rp.2,648,492,739. In 2015 sales were stable, where the total sales amounted to Rp.2,648,492,739 and earned an increase in profit from the previous year, where profits obtained from 2016 were Rp. 3,434,318,246.

Owner ◽  
2019 ◽  
Vol 3 (1) ◽  
pp. 140-143
Author(s):  
Eka Pratiwi Septania Parapat ◽  
Kisno Kisno

 The purpose of this study was to determine the financial condition based on liquidity ratio, solvency ratio, and profitability ratios in the PT. Bank Perkreditan Rakyat (BP R)KABUPATEN SIMALUNGUN Siantar in the years 2013  – 2015.  Field research method by approaching directly to the company that became the object of study. Book study library to research conducted by several scientific books and papers relating to discussion conducted.  The total assets in  2013 were Rp. 20.405.837.239 and increased in 2014 to Rp. 21.845.491.637, and in 2015 also increased to at  Rp.  24.383.506.204.  In  2013  the number of sales of  Rp.3.527.453.681 the company makes a profit of Rp. 386.631.825.  In 2014  sales increased to as much Rp. 3.820.802.620 with profit Rp. 440.536.679 and also increased from the previous year. In 2015 the company sales increased much Rp. 4.127.157.198, and makes a profit of Rp. 504.013.708


2021 ◽  
Author(s):  
Roza Islami Putri ◽  
Ratna Widayati

The purpose of this study was to find out how to provide credit at Bank Nagari Cabang Painan. The research method of data collection uses two methods, namely library research and field research. The results of this study are the implementation of lending at Bank Nagari Cabang Painan in accordance with established procedures, starting from credit applications, credit analysis, recommendations, credit decisions, signing credit contracts, credit realization and credit supervision. The development of credit at the Bank Nagari Cabang Painan has increased every year this is due to the excellent financial performance of the Bank Nagari Cabang Painan.


2020 ◽  
Vol 10 (1) ◽  
pp. 13-26
Author(s):  
Candra Irawan ◽  
Adi Bastian ◽  
Febrozi Rohadi

Currently in Indonesia Islamic Bank has gained a place and interested in the community, causing many emerging Syari'ah Bank and Financial Institutions of the syari'ah, and products in Islamic banks are widely used is murabahah financing. The formulation of the problem in this research are: (1). How is the implementation of the sale and purchase through murabahah financing between Bank Muamalat Harkat with customers. (2). Is trading system murabahah financing between Bank Muamalat Harkat and customers have been according to the principles of Syari’ah. (3). How murabahah financing efforts to resolve the breach between the customer and Muamalat Harkat. This research method is empirical legal research, this study was conducted in Bank Muamalat Harkat based data collection through field research such as interviews, observation and description as well as information from respondents through library research. The results of this research are: before an agreement Bank to assess carefully the prospective customer in the form of a comprehensive analysis and is divided into several stages, such as the assessment using the principle of 5C Character (Character of the debitor), Chapacity (Capability Candidate Debitor) , Capital (Capital candidate Debitor), Collateral (Collateral candidate Debitor) and Condition of economy (economic condition of the prospective Borrower). Trading system murabahah financing between Bank Muamalat Harkat with the customer has not fully based on the principles of the Syari'ah. Murabahah financing efforts to resolve the defaults can be solved by R3 is Restrukturing (Arrangement Back), Reconditioning (Terms Back) and Rescheduling (rescheduling), sales collateral and auction execution. 


2020 ◽  
Vol 1 (1) ◽  
Author(s):  
Nunu Nugraha Purnawan

The lecturer's performance assessment by students in the form of an online Lecturer Performance Assessment Instrument Questionnaire (KIPKD) is in line with the work concepts of Green Computing by utilizing computer hardware and software better, more efficiently and more useful. KIPKD online POLSUB uses Google Forms, because it has an attractive and responsive look, provides a fairly complete choice of stuffing model, free, the results are neatly arranged and can be analyzed easily. This research method uses literature review in the form of books, journals that discuss about topics related to the use of Google Forms as a medium in the manufacture of questionnaires for surveys and data collection, as well as related to the concept of Green Computing. While data collection methods used in field research by way of observation of the system running in the academic POLSUB. The use of KIPKD online illustrates that POLSUB participates in preserving the environment, with no 12 paper/year rims, equivalent to 12 tree trunks.


2019 ◽  
Vol 4 (2) ◽  
Author(s):  
Ahmad Jubaidi

The purpose of this study is to determine the effectiveness of KK, KTP, and AK services in Samarinda Kota sub district and its factors influencing the effectiveness of KK, KTP, AKservices.The research used field research method which gives an overview on the effectiveness of KK, KTP, and AK services in Samarinda Kota sub district. Data collection techniques use observation techniques, interviews, and media questionnaires by selecting informants who play a role and are involved technically and functionally in service delivery to the community. The data obtained are then analyzed qualitatively and supported by quantitative data.The results showed that service implementation in Samarinda Kota sub-district, especially in the field of population administration and civil registration is done in accordance with existing mechanism and regulation which have been determined by seeing some service indicator such as simplicity is in very safe category with 6.67% and certainty of service procedure and tariff cost are in accordance with the value of 88.33% and 70% respectively, the security and convenience of facilities and infrastructure are in safe and comfortable category with 65% and 73.33% respectively, openness about the ease of obtaining information and provisions services in the categories easy and explained if requested with the value of 71.67% and 63.33% respectively, economical about the cost of KK rates, ID cards, AK category Rp 10,000 - Rp 15,000, equitable fairness with a value of 60%, the timeliness is in category 1 - 2 days, and the efficiency is an exact category with a value of 80%.  And the factors that affect the service is the resources apparatus, facilities and infrastructure, and public awareness. Keywords: Effectiveness, Public Service


Author(s):  
M Mir Hosseini ◽  
M Moinuddin ◽  
F Hirani ◽  
SH Hatami Nasab

Introduction: Morality is very important in human life because human humanity is formed when moral values are crystallized in him. Every human being is evaluated to the extent of the emergence of moral values in thoughts, speech, and behavior, the first manifestation of a person in society is that person's morality. To increase the impact of professional ethics, it is necessary to have patterns that are consistent with culture and society, and by recognizing them, the dimensions of safe behavior by accountants can be explored. Materials and Methods: This research is based on a combined method. Because in this research, both quantitative and qualitative approaches have been used in data collection and analysis, a combination of findings and conclusions. In the present study, data collection has been done through library and field research methods. Statistics consists of theoretical texts related to accounting professional ethics. In this study, using a researcher-made questionnaire, effective criteria based on previous research were identified and finally, 25 sub-components in the form of 5 indicators were identified as the most important factors of professional ethics. In this study, NVIVO software (in the content analysis section) Used. Results: According to experts, the components of professionalism and organization are more important than other criteria and affect the sustainable development of safe behavior and professional ethics of the accountant. Conclusion: By understanding the professional ethics of accountants and identifying its basic components in different dimensions and determining the importance of each of them, a specific framework or format for accountants to observe or not to observe professional ethics and the desire to act based on Design and implement a code of professional conduct to reduce unsafe behaviors and, as a result, reduce the incidence of accidents in the country's industries.


2020 ◽  
Vol 15 (2) ◽  
pp. 293
Author(s):  
Sukino Sukino ◽  
Wahab Wahab ◽  
Ahmad Fauzi Murliji

<p> </p><p class="06IsiAbstrak">Indonesian Muslims are faced with the realities of life that are multi-ethnic, religious, cultural and linguistic. It must be responded critically as early as possible. The understanding of diversity (multiculturalism) should truly be the foundation of all components of the Muslim community without exception for the students. Therefore this paper intends to answer 1) material content of Quran Hadith with a multicultural perspective at Madrasah Aliyah Negeri 2 Pontianak, and 2) Development and contextualization of Qur'an Hadith material in daily life. This research was categorized as field research and literature study. Data collection methods used were observation, interviews and document analysis. Data analysis was through two models, namely content analysis and Miles and Huberman's model which involved analysis steps, namely: data collection, data reduction, data display, and verification. The authors’ findings on this study are that the content of the Quran Hadith with a multicultural perspective in Madrasah Aliyah is carried out by expanding the reading, the meaning of the implementation of tolerance, social ethics, justice, deliberation / democracy concepts which are constructed from the Islamic universal values and moderation (washathiyah) so they can foster a tolerant and empathy (alturism) attitutes to human beings as a manifestation of an obedient servant.</p>


2020 ◽  
Vol 13 (1) ◽  
pp. 1-27
Author(s):  
Cici Afifatul Hasanah ◽  
Ayu Ferliana ◽  
Depict Pristine Adi

The purpose of this study is describe feminism and the resilience of women in the world of work in Indonesia and Iceland. Feminism as a system of ideas, as a framework and study of social life and human experience that evolved from a women-centered perspective. In Indonesia and Iceland, this is a long history as a reflection of the responsibility regarding the reality of gender inequality. In this study researchers used a research method with the type of literature study. Data collection techniques that utilize secondary data obtained through the library and then described and analyzed to extract from the literature such as books, journals, report, documents and other materials that support this research. Based on the results and discussion that has been presented, it can be concluded that feminism is increasingly developing and being recognized by the world. Feminism and the resilience of women in these two countries have shown that women have great opportunities in the development of the world of work, politics and other fields. Tujuan dari penelitian ini adalah mendeskripsikan feminisme dan ketahanan perempuan dalam dunia kerja di Indonesia dan Islandia. Feminisme sebagai sistem gagasan,   sebagai kerangka kerja dan studi kehidupan sosial dan pengalaman manusia yang berevolusi dari perpsektif yang berpusat pada perempuan. Di Indonesia dan Islandia, hal ini adalah sejarah panjang sebagai cerminan dari tanggung jawab tentang realitas ketidaksetaraan gender. Dalam penelitian ini peneliti menggunakan metode penelitian dengan jenis kajian kepustakaan. Teknik pengumpulan data menggunakan teknik penelitian kepustakaan yang memanfaatkan data sekunder yang diperoleh melalui perpustakaan kemudian di deskripsikan dan dianalisis untuk disarikan dari literatur seperti buku, jurnal, laporan, dokumen dan bahan lain yang mendukung penelitian ini. Berdasarkan hasil dan pembahasan yang telah dipaparkan dapat disimpulkan bahwa feminisme semakin lama semakin berkembang dan diakui oleh dunia. Feminisme dan ketahanan perempuan di dua negara ini sudah menunjukkan bahwa kaum perempuan memiliki peluang besar dalam perkembangan dunia kerja, politik dan bidang lainnya.


2020 ◽  
Vol 4 (2) ◽  
pp. 208
Author(s):  
Rahmat Firdaus ◽  
Melisantri Okvita

<p><em>The purpose of this research is to find out and to analyze the implementation of murabahah financing at Bank Syariah Mandiri KCP Padang Panjang its conformity with the DSN MUI Fatwa Number four of two thousand. This type of research is field research field research and library research research. The research method used is a qualitative method. Data collection techniques are observation, interview and documentation. The results of this study indicate that in the general provisions of Islamic banks that the bank buys the goods needed only on behalf of the bank itself and the purchase must be separate and have personal limitations. However, in practice, it is found that the bank provides money to customers to buy one of the items needed on behalf of the bank using an installment system based on the amount and time determined by the bank. in is allowed by the clerics on the condition that the bank authorizes the customer to buy goods under the murabahah bil wakalah contract. However, according to the author's opinion, there is no conformity of the DSN-MUI fatwa regarding murabahah with its</em><em> practice at Bank Syariah Mandiri KCP Padang Panjang.</em></p><p><em><br /></em></p><p>Tujuan dalam penelitian ini adalah untuk mengetahui dan menganalisis pelaksanaan pembiayaan murabahah pada Bank Syariah Mandiri KCP Padang Panjang kesesuaiannya dengan Fatwa DSN MUI No. 4 Tahun 2000. Jenis penelitian adalah penelitian lapangan <em>field research</em>. Metode penelitian yang digunakan adalah metode penelitian kualitatif. Teknik pengumpulan data adalah observasi, wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwasannya dalam ketentuan umum fatwa murabahah di bank syariah yaitu bank membeli barang yang dibutuhkan nasabah atas nama bank sendiri dan pembelian harus sah dan bebas riba. Akan tetapi pada prakteknya dilapangan adalah bank memberikan uang kepada nasabah untuk membeli salah satu barang yang dibutuhkan atas nama bank dengan sistem angsuran berdasarkan jumlah dan waktu yang telah ditetapkan oleh bank. Hal ini dibolehkan oleh ulama dengan ketentuan pihak bank menguasakan kepada nasabah untuk membeli barang dengan akad <em>murabahah bil wakalah</em>.</p>


2019 ◽  
Vol 43 (1) ◽  
pp. 62-70
Author(s):  
Ahmad Danaeinia Danaeinia ◽  
Masoud Hodaei

Human has a dimension of knowledge named the tacit knowledge that the main important part of it is obtained through experience and direct connection with phenomena over time that turns into a pattern. Based on knowledge and intelligent use of it, the garden-house pattern appears to have an unbreakable bond with the nature and the understanding of both social and cultural rules of users. The research questions at first place discuss the role of tacit knowledge in shaping the architecture of garden-houses of Meybud and how this knowledge has appeared in architecture of garden-houses of Meybud. Qualitative research method and data collection method relies on library studies and field research. The results indicate that the patterns of housing in Meybud have shaped based on the recognition of two components of environment (the climate and natural context) and human (social norms), understanding of these two and applying them. The tacit knowledge and reliance on experiences is very influential and the garden-house pattern is institutionalized as the most sustainable pattern of architecture.


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