scholarly journals Cost-Return Analysis of Fodder Production in Selected Areas of Bangladesh

2020 ◽  
Vol 20 (1-2) ◽  
pp. 54-67
Author(s):  
S Islam ◽  
J Begum ◽  
NR Sarker ◽  
M Khatun
Keyword(s):  
Dairy Cows ◽  
Field Survey ◽  
Cattle Breed ◽  
Sampling Technique ◽  
Farm Size ◽  
Primary Data ◽  
Survey Method ◽  
Group Discussions ◽  
Fodder Production ◽  
Production Areas

The study was conducted to determine fodder production, estimated profitability of fodder farmers and constrains to its production.In this regard, four study areas were selected from four districts viz: Dinajpur,Jessore, Kurigram andRangpur purposively considering the concentration of fodder production. A purposive sampling technique was followed for collecting primary data from the field. Two categories of sample farmerswere selected namely: i) Fodder Producer cum seller (FPS); ii) Fodder Producer cum Dairy owner (FPDO) having 1-2 dairy cows as small, 3-4 dairy cows as medium and 5 and above dairy cows as large farmer.A total of 160 fodder farmers were interviewed. Field survey method and focus group discussions were followed to collectnecessary data and information. Descriptive statistics were applied to meet the objectives and to get the desirable outputs.The study revealed that99 per cent FPS cultivatednapier (Pennisetumpur-pureum), whereas fodder producer cultivated90 per cent. The ratio of land under fodder production and farm size was 0.10 and 0.29 for producer and FPS, respectively. In case of cattle holdings, fodder farmers reared more cross-bred cattle than the local cattle. The highest numbercross-bred cattle (22.95/ farm) were reared by producer in Dinajpur district,whereas FPSreared 9.88 cattle per farm in Jessore district.The production cost of fodder for producer was estimated the highest (Tk 1,87,598/ha) in Kurigram district and the lowest (Tk 1,71,883/ha) for FPS in Kurigram district. The bio-mass yield was the highest (214.05 t/ha) for producer in Dinajpur district and the lowest was (201.45 t/ha) for FPS in kurigram district. Annual net return from fodder production was estimated the highest (Tk 2,12,272/ha) for FPS in Jessore district and the lowest (Tk 1,29,806/ha) for FPS in Kurigram district. The BCR was the highest 2.18 for FPS in Jessore district and the lowest was 1.75 for FPS in Kurigram district. Problems faced by the fodder farmers were lack of HYV fodder species, lack of knowledge, and lack of input facilities. The study suggested supply of HYV fodder, provide training on fodder cultivation and preservation, availability of more milk producing cattle breed in fodder production areas. Bangladesh J. of Livestock Res. 20(1-2): 54-67, Jan-Dec 2013

scholarly journals Income status of different fodder farmers in selected areas of Bangladesh

2020 ◽  
pp. 133-141
Author(s):  
S Islam ◽  
J Begum ◽  
NR Sarker ◽  
M Khatun
Keyword(s):  
Dairy Cows ◽  
Sampling Technique ◽  
Primary Data ◽  
Survey Method ◽  
Income Status ◽  
Fodder Production ◽  
Large Farmer ◽  
Green Fodder ◽  
The Government ◽  
Revenue Function

Producing and trading of green fodder are recognised as a profitable venture in many parts of the country, but data and information in this aspect are very scanty. The study determined the income coefficient of fodder farm households to study the fodder marketing and processing in different locations, and highlighted farmers problems related to fodder marketing and processing. In this regard, four study areas were selected from four districts viz: Dinajpur, Jessore, Kurigram and Rangpur purposively considering the concentration of fodder production and marketing. A purposive sampling technique was followed for collecting primary data from the field. In the study 3 categories of sample farmers were selected namely: i) Fodder Producer cum seller; ii) Fodder Producer cum Dairy owner having 1-2 dairy cows as small, 3-4 dairy cows as medium and 5 and above dairy cows as large farmer and iii) Fodder Middlemen. A total of 200 fodder farmers were interviewed. Field survey method and focus group discussions were followed to collect necessary data and information. Descriptive statistics and Cobb Douglas type revenue function were applied to meet the objectives and to get the desirable outputs. Functional analysis revealed that fodder sale and livestock rearing and fodder business significantly contributed to the household income of the fodder farmers and middlemen. The dairy farmers having 1-2, 3-4 and 4-5 cross-bred dairy cattle earned Tk. 1,20,227, Tk. 1,91,728 and Tk. 4,17,287, respectively, whereas local cattle earned Tk. 33, 658, Tk. 51,601 and Tk. 1,13,558, respectively from milk sell annually. It was found that fodder middlemen’s income from fodder business highest in Kurigram district and lowest in Jessore district. Fodder processing was not happened in the study areas. Main marketing channels were: (i) Producer cum seller-Dairy owner and (ii) Producer cum seller-Fodder Middlemen-Dairy owner. Fodder farmers faced various socioeconomic problems during its processing and marketing. The major problems were the lack of HYV fodder species, lack of knowledge, lack of input facilities, and lack of marketing facilities. The government should provide HYV fodder, cultivation training, preservation technique, and organized market to the fodder farmers in the study areas. Bangladesh J. of Livestock Res. 21-25: 133-141, 2018

scholarly journals Economics of fodder production for dairying in selected areas of Bangladesh

2017 ◽  
Vol 46 (2) ◽  
pp. 140-149
Author(s):  
S Islam ◽  
J Begum ◽  
NR Sarker ◽  
M Khatun
Keyword(s):  
Dairy Cows ◽  
Natural Capital ◽  
Sampling Technique ◽  
Dairy Farming ◽  
Primary Data ◽  
Survey Method ◽  
Dairy Farmers ◽  
Fodder Production ◽  
Physical Assets ◽  
The Impact

Dairy farming along with fodder production is a highly profitable enterprise. Considering these views, the studywas aimed to estimate profitability of fodder production, to determine the income coefficient of fodder farm householdsand to assess the contribution and impact of fodder production on livelihood change. In this regard, six study areas were selected from six districts viz: Dinajpur, Jessore, Kurigram, Rangpur, Pabna and Sirajgonj considering the concentration of fodder production and dairy farming systems. A purposive sampling technique was followed for collecting primary data from the field. Two categories of sample farmers were selected namely: i) Fodder Producer cum Seller; ii) Fodder Producer cum Dairy owner having 1-2 dairy cows as small, 3-4 dairy cows as medium and 5 and above dairy cows as large farmer. A total of 220 fodder farmers were interviewed. Field survey method and focus group discussions were followed to collect necessary data and information. Descriptive statistics and Cobb Douglas type revenue function were applied to get the meaningful results. The production cost of fodder for producer was estimated Tk. 1,82,415/ha and for producer cum seller Tk.1,79,748/ha. On average, total cost was estimated Tk. 1,81,081/ha/year irrespective of fodder producer. Bio-mass yield was found 207ton/ha/year and per ton fodder price was estimated Tk.1,714. On the contrary, annual net return from fodder production was estimated Tk.1,67,823/ha/year and Tk.1,81,489/ha/year for producer and producer cum seller, respectively. The BCR was 1.92 for producer and 2.01 for producer cum seller. Functional analysis revealed that fodder sale and livestock rearing and fodder business significantly contributed to the household income of the fodder farmers. The dairy farmers having 1-2, 3-4 and 4-5  cross-bred dairy cattle earned Tk. 1,20,227, Tk. 1,91,728 and Tk. 4,17,287, respectively, whereas local cattle earned Tk. 33, 658, Tk. 51,601 and Tk. 1,13,558, respectively from milk sell annually. For addressing the impact on livelihood status of the dairy farmers with fodder production, it was found improved human capital component over time acquiring knowledge and education, better health condition, easy and more entrance to information, etc. Cultivable land, using open water resources and forests were indicated to determine the changes situation in the natural capital aspects. In case of financial capital, cash in hand, savings and liquid assets had increased notably over the periods. Physical assets had also observed positive trends in the study regions. Thus, dairy owner cum fodder farmers’ overall livelihood status had shown a positive trend.Bang. J. Anim. Sci. 2017. 46 (2): 140-149

Analysis of arable crop farmers’ awareness to causes and effects of climate change in south western Nigeria

2015 ◽  
Vol 42 (7) ◽  
pp. 614-628 ◽  
Author(s):  
Shakirat Bolatito Ibrahim ◽  
Idris Akanbi Ayinde ◽  
Aisha Olushola Arowolo
Keyword(s):  
Climate Change ◽  
Sampling Technique ◽  
Household Size ◽  
Farm Size ◽  
Primary Data ◽  
Survey Method ◽  
Tobit Regression ◽  
Content Type ◽  
Mitigation And Adaptation ◽  
Arable Crop

Purpose – The purpose of this paper is to empirically analyze the determinants of arable crop farmers’ awareness to causes and effects of climate change in south western Nigeria. Design/methodology/approach – Using primary data, 150 arable crop farmers in Ogun State were selected through a multi stage sampling technique. Survey method was used to elicit information on farmers’ socioeconomic, production characteristics, and their level of awareness to causes and effects of climate change. The data collected were analyzed using descriptive statistics, environmental awareness index (EAI), and Tobit regression analysis. Findings – Most (81.08 percent) of the arable crop farmers were males with an average household size of eight persons, farming experience of 24 years and farm size of approximately 1 ha. The computed climate change EAI showed that only 47 percent of the respondents were aware of causes of climate change, while 68 percent were aware of its effects. Results further revealed that age, income from secondary occupation (p < 0.10), marital status, household size (p < 0.05), years of farming experience, frequency of extension contact, land size in hectare, and farm revenue (p < 0.01) were the determinants of respondents awareness to causes and effects of climate change. Practical implications – The study recommended among others that, awareness should be created among arable crop farmers on climate change causes and effects for appropriate mitigation actions to be taken for improved agricultural productivity. Originality/value – The study provided new empirical evidence on the awareness level of respondents to causes and effects of climate change on their production activities and livelihood in general. Implications for policy will be to provide a public education program that will target females, the poor, the illiterate, and the people in the economically active age group among others in order to create awareness and provide information and adequate knowledge on the causes and effects of climate change for proper mitigation and adaptation options.

Role of Finance in Resource use Efficiency and Constraints in Banana Cultivation in Uttar Pradesh

2020 ◽  
pp. 437-441
Keyword(s):  
Resource Use ◽  
Uttar Pradesh ◽  
Sampling Technique ◽  
Farm Size ◽  
Primary Data ◽  
Resource Use Efficiency ◽  
Regular Source ◽  
Block Level ◽  
Use Efficiency ◽  
Secondary Information

The study was conducted using purposive cum random sampling technique and two hundred respondents comprised of 100 each borrowers and non-borrowers were selected from two block of district including marginal, small and medium categories of farm size. Primary data were collected through personal interview technique and required secondary information was taken from the record available at district and block level. Simple tabular and functional analysis and Garrett ranking were done to draw inferences. As per the result obtained from the study, no much difference was seen between the resource use efficiency of borrower and non-borrower farms and constraints faced by borrower. Since banana is a cash crop and it needs initial costs for its establishment, and after harvesting the crop regular source of income was generated by selling of suckers (seed) plant and its fruits. It’s by-product, leaves, etc. also used for various purposes. Minute inspection of the analysis showed that finance played important role for initiating the cultivation of banana crops showed the resource use efficiency that there is no considerable difference found on sample farms of borrower and non-borrower categories. Constraints faced by majority of the farmers were mainly delay in disbursement of loan and lack of the repayment period insufficient and improper management for withdraws on KCC.

scholarly journals Penerapan Pendekatan dan Metode Penyuluhan dalam Diseminasi Inovasi Inseminasi Buatan (IB) pada Usaha Peternakan Sapi Potong di Kecamatan Pauh, Kota Padang

2019 ◽  
Vol 19 (2) ◽  
pp. 129-135
Author(s):  
Ediset Ediset ◽  
Amrizal Anas
Keyword(s):  
Data Analysis ◽  
Beef Cattle ◽  
Artificial Insemination ◽  
Sampling Technique ◽  
Primary Data ◽  
Survey Method ◽  
Cattle Breeders ◽  
Quota Sampling ◽  
The City ◽  
Method Approach

ABSTRAK. Penelitian dilaksanakan di salah satu daerah sentra peternakan sapi potong, yaitu Kecamatan Pauh, Kota Padang, Sumatera Barat, yang bertujuan untuk mengetahui pendekatan penyuluhan dalam diseminasi inovasi Inseminasi Buatan (IB) pada peternak sapi potong dan metode penyuluhan dalam diseminasi inovasi Inseminasi Buatan (IB) pada peternak sapi potong. Penelitian ini menggunakan pendekatan metode survei melalui observasi, wawancara, dan dokumen data. Populasi adalah peternak sapi potong yang sudah mengadopsi inovasi Inseminasi Buatan (IB), Sampel ditetapkan sebanyak 30 peternak dengan teknik Quota Sampling. Analisis data dilakukan secara deskriptif kuantitatif yang dihitung dengan menggunakan skala Likert. Hasil penelitian adalah penyuluh sudah menerapkan pendekatan persuasif, pendekatan pervasion dan pendekatan compulsion dengan baik, sedangkan pendekatan coersion tidak diterapkan dalam diseminasi inovasi IB. Metode kunjungan rumah / usaha tani dan metode demonstrasi sudah diterapkan dengan baik, sedangkan metode kampanye tidak diterapkan oleh penyuluh dalam diseminasi inovasi IB pada peternak sapi potong di Kota Padang.  (The application of extension approaches and methods in disseminating artificial insemination (AI) innovation to beef cattle farmers at Pauh sub-district in Padang) ABSTRACT. A survey was carried out at Pauh sub-district, Padang to understand extension approach and method in disseminating artificial insemination (AI) innovation to beef cattle farmers. A survey method approach was used through observation, interviews and data document. Primary data were collected from 30 farmers using quota sampling technique. Data analysis was performed descriptively quantitative which was calculated using a Likert scale. The results showed that the extension workers have applied a convincing approach in both persuasive and compulsion types. However they did not use coercion in conveying AI innovation. Farm visit as well as demonstration have been implemented well by extension workers, while the campaign method is not applied in disseminating IB innovations to beef cattle breeders in the city of Padang.

scholarly journals Kajian Kondisi Faali Sapi Perah Peranakan Fries Holland (PFH) di Peternakan Rakyat Desa Suka Mulya Kecamatan Lembah Seulawah Kabupaten Aceh Besar Provinsi Aceh

2016 ◽  
Vol 1 (1) ◽  
pp. 709-718
Author(s):  
Muhammad Junaidi ◽  
Cut Intan Novita ◽  
Dzarnisa Dzarnisa
Keyword(s):  
Heart Rate ◽  
Dairy Cattle ◽  
Dairy Cows ◽  
Rectal Temperature ◽  
Cattle Breed ◽  
Field Conditions ◽  
Primary Data ◽  
Cattle Farm ◽  
Physiological Conditions ◽  
The Village

Abstrak. Suatu penelitian telah dilaksanakan di desa Suka Mulya, Kecamatan Lembah Seulawah, Kabupaten Aceh Besar. Penelitian berlangsung dari bulan November sampai Desember 2016. Penelitian ini bertujuan untuk mengetahui kondisi faali sapi Peranakan Fries Holland (PFH) di peternakan rakyat desa Suka Mulya Kecamatan Lembah Seulawah Kabupaten Aceh Besar. Metode penelitian ini bersifat deskriptif analitis dengan mengunakan metode survei dan observasi langsung ke peternak dan sapi perah PFH. Lokasi penelitian ditentukan secara purposive sampling. Penetapan responden ditentukan mengunakan metode random sampling, jumlah responden sebanyak 10 peternak yang memelihara sapi perah. Materi yang digunakan dalam penelitian ini adalah 13 ekor sapi perah PFH. Parameter penelitian meliputi frekuensi pernafasan, denyut jantung dan suhu rektal. Data pendukung yang diperlukan dalam penelitian ini meliputi suhu dan kelembaban kandang, manajemen pemeliharaan sapi perah, kesehatan ternak, dan karakteristik peternak/responden. Hasil penelitian menunjukkan bahwa rataan frekuensi pernafasan sapi PFH adalah28,03 ± 0,63 kali/menit, frekuensi denyut jantung 68,92 ± 0,71  kali/menit dan suhu rektal 36,57 ± 0,55 °C. Dari hasil penelitian ini dapat disimpulkan bahwa kondisi faali/fisiologis ternak perah yang ada di peternakan Rakyat Desa Suka Mulya dalam keadaan baik/normal. Study on Condition of Dairy Cattle Breed Physiologic Fries Holland (PFH) Livestock in the Village People Prefer Mulya Seulawah Valley District District of Aceh Aceh Province Abstract. This study aimed to determine the effect of dairy cattle rearing system to physiological conditions in the district of Aceh Besar district seulawah Valley. The method used is descriptive analysis using the method of survey and direct observation to farmers and dairy cows PFH measurement of physiological conditions/physiological. This research by using two stages, the first stage is the observation field conditions and the second stage is the collection of data. Observation phase field conditions to determine the location of the study and the sample size, the data collection phase aims to obtain primary data and secondary data. The research location determined by purposive Desa Suka Mulya. Sampling of cattle that took cattle PFH to measure physiologic conditions/physiological. The number of samples taken in this study there are few dairy cows. The data collected from these samples include respiratory rate, heart rate, rectal temperature. Results of this study was the frequency of breathing 28,03 ± 0,63 times per minute, heart rate 68,92 ± 0,71 times per minute, a rectal temperature of 36,57 ± 0,55 times per minute. From the results of this research can be concluded that the physiologic conditions/physiological dairy cattle farm in the village of Suka Mulya People in a good state/normal

scholarly journals Pengaruh Kompetensi Sumber Daya Manusia, Motivasi dan Lingkungan Kerja pada Komitmen Organisasi dan Implikasinya pada Kinerja Pengurus Barang Pemerintah Kabupaten Tabanan

2017 ◽  
pp. 3697
Author(s):  
Putu Ayu Yuliantini ◽  
Ida Bagus Putra Astika ◽  
Dewa Nyoman Badera
Keyword(s):  
Organizational Commitment ◽  
Work Environment ◽  
Sampling Technique ◽  
Primary Data ◽  
Survey Method ◽  
Inner Model ◽  
Endogenous Variables ◽  
Competence Motivation ◽  
Hr Competencies ◽  
Regional Work

The purpose of this study was to obtain empirical evidence related to the effect of the competence of human resources (HR), motivation and work environment on organizational commitment and its implications on the administrators assets performance in government of Tabanan regency. Data used in this study are primary data obtained from respondents through a survey method using a questionnaire. The population consisted of 47 administrators assets in Regional Work Unit of Tabanan Regency. Sampling technique using purposive sampling and obtained a sample of 41 people. Analysis of the data using SmartPLS version 3.2.4 m3 through outer model, inner model and hypothesis testing. Outer model and inner model show the results of all the research instruments are valid and reliable and feasible models used to explain the endogenous variables. HR competence, motivation and work environment has direct influence on organizational commitment and the administrators assets performance. Motivation and work environment have an impact indirectly on the administrators assets performance through the organizational commitment while the influence of HR competencies in administrators assets performance is not mediated by organizational commitment.

scholarly journals Lecturers’ Understanding on Indexing Databases of SINTA, DOAJ, Google Scholar, SCOPUS, and Web of Science: A Study of Indonesians

2018 ◽  
Author(s):  
Irwan Sugiarto
Keyword(s):  
Higher Education ◽  
Web Of Science ◽  
Descriptive Analysis ◽  
Sampling Technique ◽  
Google Scholar ◽  
Primary Data ◽  
Survey Method ◽  
Research Technology ◽  
Convenience Sampling ◽  
Cross Tabulation

The Ministry of Research, Technology and Higher Education of Indonesia has introduced several national and international indexers of scientific works. This policy becomes a guideline for lecturers and researchers in choosing the reputable publications. This study aimed to describe the understanding level of Indonesian lecturers related to indexing databases, i.e. SINTA, DOAJ, Scopus, Web of Science, and Google Scholar. This research used descriptive design and survey method. The populations in this study were Indonesian lecturers and researchers. The primary data were obtained from a questionnaire filled by 316 lecturers and researchers from 33 Provinces in Indonesia recruited with convenience sampling technique on October-November 2017. The data analysis was performed using frequency distribution tables, cross tabulation and descriptive analysis. The results of this study showed that the understanding of Indonesian lecturers and researchers regarding publications in indexing databases SINTA, DOAJ, Scopus, Web of Science and Google Scholar is that, on average, 66,5% have known about SINTA, DOAJ, Scopus, Web of Science and Google Scholar. However, based on empirical frequency 76% of them have never published with journals or proceedings indexed in Scopus.

scholarly journals PERBEDAAN INTENSI BERWIRAUSAHA BERDASARKAN LOKUS KENDALI PADA MAHASISWA FAKULTAS EKONOMI UNIVERSITAS NEGERI JAKARTA

2014 ◽  
Vol 2 (1) ◽  
Author(s):  
A Apriliyanti ◽  
Nuryetty Zain
Keyword(s):  
Locus Of Control ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Entrepreneurial Intention ◽  
Reliable Data ◽  
Primary Data ◽  
Comparative Approach ◽  
Survey Method ◽  
Causal Comparative ◽  
The Difference

Writing this script has purpose to get valid and reliable data or fact, to know more the difference Entrepreneurial Intention based Locus of Control in the Students of the Faculty of Economic Universitas Negeri Jakarta. This research during three months during March until May 2014. This research used survey method with Causal Comparative Approach and using primary data (Locus of Control and Entrepreneurial Intention). The sampling technique in this research using Simple Random Sampling technique with 172 respondents in the sample, 133 students are classified to Internal Locus of Control and 39 students are classified in the External Locus of Control. The research Method in survey method with causal comparative approach. Used this method because for get reliable data and correct to fact and actual from the resource. Entrepreneurial Intention data using instrument Likert scale. Data processing is done using Microsoft Excel Program. Before that is has validity test and reliability test using Alpha Cronbach formula. Reliability result is 0,8715. The conclusion shown that research have the difference entrepreneurial intention based on Locus of Control.

scholarly journals Faktor Internal dan Eksternal yang Menentukan Non Performing Financing (NPF) pada Pembiayaan Mudharabah

2021 ◽  
Vol 1 (1) ◽  
pp. 1-10
Author(s):  
Rahdya Iasyah Nindea Tami
Keyword(s):  
Survey Methods ◽  
Rapid Development ◽  
Secondary Data ◽  
Sampling Technique ◽  
Primary Data ◽  
Survey Method ◽  
Validity And Reliability ◽  
Purposive Sampling ◽  
Bank Management ◽  
Bank Employees

Abstract. In recent years, the world of Islamic banking in Indonesia has shown very rapid development, both in terms of the number of new office openings, types of bank businesses and the volume of bank activities they do. Al Salaam SRBs are BPRS that are superior compared to other SRBs in the city of Bandung. However, the level of BPRS Al Salaam's problematic financing (NPF) was the highest among other BPRS. The problematic financing that occurred at the Al Salaam SRB was due to several factors and processes that did not occur quickly, where these factors could be sourced from bank management aspects as well as customer aspects. This study aims to identify the Internal and External Factors that determine Non-Performing Financing (NPF) in mudharabah financing at Al Salaam Bandung Branch. This type of research used in this research is quantitative descriptive research with survey methods. The survey method was carried out by interviewing and distributing questionnaires to 10 respondents namely 5 bank management parties and 5 customers. Sampling is done by simple calculations using purposive sampling technique. Data sources used in this study consisted of two types, namely secondary data and primary data. The analytical method used is the Likert scale analysis method. Test requirements analysis using validity and reliability tests are assisted using the SPSS program. The results showed that aspects of bank management from the perspective of bank employees and customers are at sufficient intervals to determine the occurrence of problematic financing or NPF while customer aspects from the perspective of bank employees and customers themselves are at intervals determining the occurrence of problematic financing or NPF.   Abstrak. Pada tahun-tahun terakhir ini dunia perbankan Syariah di Indonesia menunjukkan perkembangan yang sangat pesat, baik dilihat dari jumlah pembukaan kantor baru, jenis usaha bank dan volume kegiatan bank yang dilakukannya. BPRS Al Salaam termasuk BPRS yang lebih unggul dibandingkan dengan BPRS lainnya di kota Bandung. Namun demikian, tingkat pembiayaan bermasalah (NPF) BPRS Al Salaam pun paling tinggi diantara BPRS lainnya. Pembiayaan bermasalah yang terjadi di BPRS Al Salaam disebabkan beberapa faktor dan proses yang tidak terjadi secara cepat, dimana faktor tersebut dapat bersumber dari aspek manajemen bank maupun aspek nasabah. Penelitian ini bertujuan untuk mengidentifikasi Faktor Internal dan Eksternal yang menentukan Non Performing Financing (NPF) pada pembiayaan mudharabah di BPRS Al Salaam Cabang Bandung.Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian deskriptif kuantitatif dengan metode survei. Metode survei dilakukan dengan wawancara dan menyebarkan kuisioner kepada 10 responden yaitu pihak manajemen bank sebanyak 5 orang dan pihak nasabah sebanyak 5 orang. Pengambilan sampel dilakukan dengan perhitungan sederhana menggunakan teknik purposive sampling. Sumber data yang digunakan dalam penelitian ini terdiri dari dua jenis yaitu data sekunder dan data primer. Metode analisis yang digunakan adalah metode analisis skala likert. Uji persyaratan analisis menggunakan uji validitas dan reabilitas dibantu menggunakan program SPSS.Hasil penelitian menunjukkan bahwa aspek manajemen bank menurut perspektif karyawan bank maupun nasabah berada pada interval cukup menentukan terjadinya pembiayaan bermasalah atau NPF sedangkan Aspek nasabah menurut perspektif karyawan bank maupun nasabah itu sendiri berada pada interval menentukan terjadinya pembiayaan bermasalah atau NPF.

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