Analisis Pengembalian Kredit Terhadap Profitabilitas Pada PT Bank Sumut Cabang Gunungsitoli

Owner ◽  
2019 ◽  
Vol 3 (2) ◽  
pp. 160
Author(s):  
Victorinus Laoli

One manifestation of the important role of banking in a region, as implemented by PT Bank Sumut, Gunungsitoli Branch, is to distribute loans for investment, consumption and working capital for the people in the area. The purpose of providing credit for banks is the return of credit that earns interest and can increase income to finance activities and business continuity. From the results of research conducted with this data collection technique, it shows that PT Bank Sumut has a number of loans from 2009 to 2014 which each year rises. From this study, it is also known that the rate of credit repayment has a positive influence on the level of profitability.

2020 ◽  
Vol 1 (1) ◽  
pp. 58
Author(s):  
Noval Setiawan ◽  
Sarbini Sarbini

The people who live in Anggrasmanis village, consist of various kinds of religions. There are Islam, Christian, and Hinduism. The tolerance between religious communities in Anggrasmanis village was maintained even though it was often tinged with tension and suspicion. This encourages religious figure to build communication. This study aims to describe how the pattern of communication inter-religious figures in Anggrasmanis village, so attitude of tolerance is born. The type of research used  is a qualitative description method with qualitative approach. Data collection techniques using observation, interviews, and documentation. Researchers’ finding communication patterns of religious figures in Anggrasmanis village are linear communication patterns and circular communication patterns that occur in direct conversation between religious figures and direct feedback. The role of religious figures to building tolerance at Anggrasmanis village is by participating in activities at the village such as religious holidays.


2020 ◽  
Vol 2 (1) ◽  
pp. 33-44
Author(s):  
Ita Nurmalasari ◽  
Dewi Zainul Karimah

This study examines the role of human resource management in improving the quality of educators. This research uses a qualitative approach with case study. This research site is in MTs Nu Ma'arif Kemiri, Purworejo Regency. The data collection technique used by researchers is interview observation. In this study, the object of research is the Role of Human Resources to Achieve Workforce Quality in MTs Nu Ma'arif Kemiri. Research data collection using descriptive observation, interview or qualitative methods. This interview observation study was conducted by lecturers and students of Islamic Education Management Study Program with student WK in MTs Nu Ma'arifKemiri. This activity aims to observe the Quality of Human Resources Workers conducted by MTs Nu Ma'arif Kemiri.


Author(s):  
Lisna Sandora

The people of Tilatang Kamang, Agam Regency, West Sumatra have a tradition, namely the tradition of khatam Qur'an children. This tradition is a celebration / gratitude for the success of children in completing their recitation of the Koran (khatam). Usually this activity is held once a year, to be precise during school holidays. This tradition is a tradition that is ingrained in the life of the Tilatang Kamang community. This Quranic tradition of khatam is also found in several other areas in Minangkabau, but each region has its own uniqueness. In Tilatang Kamang this ceremony is enlivened by barracks around the village, the aim is to inform the crowd that there are several children in this area who have successfully finished reading the Qur'an (finished their studies) and can read the Koran properly and correctly. . The ceremony ended with the announcement of the winners of the khatam participants in the recitation of the Qur'an. The research method used is descriptive qualitative with an ethnographic approach. The data collection technique was done by interview and observation, while the data analysis technique used data reduction, reflection, and conclusion. The results of this study illustrate that the Khatam Qur'an ceremony has become a tradition for the Tilatang Kamang community of the Agam Regency for children who have completed their studies and also as one of the requirements for children to continue their education to a higher level.


Jurnal Ecogen ◽  
2019 ◽  
Vol 2 (1) ◽  
pp. 39
Author(s):  
Donny Rizbi

This study aims to measure online advertising and tokopedia.com service quality on brand image. The population of this study is the people of Padang city who have done shopping at the online store tokopedia.com. Sampling of this study using accidental sampling technique. The number of respondents in this study were 100 respondents. The data collection technique of this study was to use a questionnaire with data analysis, namely using multiple regression analysis. The results of this study indicate tocopedia.com online advertising, a positive and significant effect on brand image and tokopedia.com service quality has a positive and significant impact on brand image.Keywords: online advertising, service quality, brand image


2018 ◽  
Vol 13 (04) ◽  
Author(s):  
Ayu Anita Ekaristi Oroh ◽  
Lintje Kalangi ◽  
Anneke Wangkar

PT. Bank Tabungan Negara, Tbk Manado is one of the branch offices of BUMN’s, which must implement Good Corporate Governance in accordance with GCG principles set by the Minister of BUMN PER-01 / MBU / 2011. Internal audit is one of the elements in GCG and has a role in overseeing the implementation of corporate management and overseeing any practices undertaken by the company. The implementation of GCG in the bank must follow the rules of BI and follow GCG guidelines by KNKG. Therefore, this study aims to determine the implementation of GCG at the bank and to determine the role of internal audit in realizing the implementation of GCG. This type of research is qualitative descriptive. The method of analysis used in this research is descriptive method with data collection technique such as interview, observation and documentation. The results of this study is Bank Tabungan Negara has implemented GCG according to applicable rules that is by implementing the principles of GCG. Furthermore, internal audit plays a role in realizing the implementation of GCG Bank BTN.Keywords : Analysis, The Role, Internal Audit, Good Corporate Governance, GCG


2021 ◽  
Vol 8 (1) ◽  
pp. 1
Author(s):  
Reza Fauzi Dwisandi ◽  
Diana Hernawati ◽  
Egi Nuryadin

<p class="E-JOURNALHeading1"><em>Palm vinegar is one of the processed products from a type of plant from the Arecaceae family, namely Arenga pinnata. </em><em>Arenga</em><em> vinegar is used by the people of the Kuta traditional village as a traditional medicine to treat a disease or prevent disease, this is based on folk knowledge, experience and ancestral traditions passed down from generation to generation in using plants as medicine. However, their utilization practices have not been published, identified and documented. Therefore, this study aims to describe the stages of making </em><em>arenga</em><em> vinegar and the practice of using it as a traditional medicine in Kuta Traditional Village. This research was conducted in Kuta Traditional Village, Tambak Sari District, Karangpaningga</em><em>l</em><em> Village, Ciamis Regency, in January-February 2021. This research is qualitative research </em><em>study </em><em>using </em><em>the</em><em> phenomenological </em><em>method</em><em>, the data collection technique used in this study </em><em>are </em><em>passive participation and active participation</em><em> observation</em><em>, semi-structured interviews with 4 people, </em><em>namely</em><em> 3 men and 1 woman</em><em>, and</em><em> document studies</em><em> were carried out</em><em>. The results showed that the </em><em>arenga vinegar making stages</em><em> in Kuta Traditional Village includes the process of lodong</em><em> sterilizer</em><em>, tapping </em><em>arenga juice</em><em>, filtering </em><em>arenga juice, </em><em>storing and fermenting</em><em> arenga juice</em><em>. As for its use, </em><em>arenga </em><em>vinegar is believed to be a traditional medicine such as types of fever, aches, liver, diabetes, stomach acid and external wounds.</em></p>


2021 ◽  
Vol 3 (1) ◽  
pp. 1
Author(s):  
Carinda Nabila Huda

Penelitian ini bertujuan untuk mengetahui faktor - faktor yang memengaruhi motivasi seseorang yang masih berusia muda untuk belajar dan bernyanyi keroncong. Penelitian ini merupakan penelitian kualitaitif dengan wawancara semi-terstruktur sebagai teknik pengumpulan data. Wawancara dilakukan terhadap tiga narasumber, yaitu tiga penyanyi keroncong yang masih berusia muda, yakni 23, 24 dan 25 tahun.  Narasumber tersebut dipilih berdasarkan tiga kriteria : berusia muda, memiliki prestasi di bidang vokal keroncong, dan sudah menjadikan bernyanyi keroncong sebagai sebuah profesi. Rekaman wawancara yang sudah terkumpul kemudian ditranskrip ke dalam bentuk tulisan, diberi kode, dan direduksi. Hasil penelitian menunjukkan bahwa faktor motivasi dalam bernyanyi keroncong dikelompokkan menjadi faktor yang berasal dari dalam individu (internal) dan faktor yang berasal dari luar individu (eksternal). Faktor internal berupa rasa penasaran, tertantang, perasaan suka, enjoy, seru, semangat, hobby dan perasaan ingin menambah pengalaman dan referensi. Sedangkan faktor yang berasal dari luar individu (eksternal) banyak datang dari saran dan dukungan dari orang - orang di sekitar individu tersebut. Seperti saran dari orangtua untuk bernyanyi keroncong, dukungan keluarga, teman, serta  adanya sarana dan prasarana yang memadahi.The purpose of this research was to find out the factors that influence the motivation of someone who is young to learn and sing keroncong. The was qualitative with semi-structured interviews as a data collection technique. Interviews was conducted with three speakers.  They were 23, 24, and 25 year-old-keroncong singers. The three speakers were chosen based on three criterias : young, having vocal keroncong achievments, and having a profession as keroncong singer. The interview records that have been collected are then transcribed into written form, coded, and reduced. The results showed that motivational factors in singing keroncong are grouped into factors that orginate from within the individual (internal) and factors that cone from oustide the individual (external). Internal factor such as curiosity, challenge, feeling like, enjoy, exciting, passion, hobby, and feeling want to add experience and references. While the factors that come from outside the individual (external) many come from the advice and support of the people around the individual. As suggestions from parents to sing keroncong, family support, friends, and the existence of adequate facilities and infrastructure. 


2021 ◽  
Vol 2 (6) ◽  
pp. 2110-2115
Author(s):  
Sungguh Ponten Pranata ◽  
Ahmad Rivai ◽  
Ballian

Understanding of accounting has an important meaning both for students and for universities. The purpose of this research is to determine the direct and indirect effect of competency variables and teaching style on accounting understanding through motivation. This type of research is classified as a cause-and-effect research where this research was conducted at STIE Mahkota Tricom Unggul. As for the target population and sample in this study, they are active in the 2019-2020 school year, amounting to 112 people. Where the sampling technique is quota sampling. Where the sample in this study amounted to 112 respondents. Furthermore, the data collection technique used a questionnaire which was distributed to all samples. The questionnaire measurement scale uses the Likert scale. The results showed that competency had a positive and significant effect on motivation. Teaching style has a positive and significant effect on motivation. Competence has a positive and significant effect on accounting understanding. Teaching style has no effect on students' accounting understanding at STIE Mahkota Tricom Unggul. Motivation has a positive and significant effect on student accounting understanding at STIE Mahkota Tricom Unggul. Motivation has no role in mediating competence in accounting understanding. However, motivation has a role in mediating the teaching style of accounting understanding.


Author(s):  
Poby Marpelta ◽  
Anrial Anrial ◽  
Pajrun Kamil

This study aimed to find out a depiction of the role of Da'i in Semelako 1 Village, Lebong Regency, Bengkulu, in fostering the community. This study applied a qualitative approach. Data collection techniques were observation and interviews. After the data were collected, the data were further analyzed using Miles’s et al approach. This study revealed the following conclusion: First, Da'i activities in delivering da'wah to the people of Semelako 1 Village, Lebong Tengah Sub-district, Lebong Regency, were not going well because the Da’i did not have a plan; the preaching pattern was still monotonous; the materials used were not yet well-organized and very much set according to the wishes of the mad'u / audiences; and the methods used were less varied. Second, the supporting factors of Da'i in efforts to develop religion were the supports from the village’s government and religious leaders in the form of appeals to participate in Islamic study activities, and the provision of facilities and infrastructure such as mosques and prayer rooms. The inhibiting factors extended to the level of the economy classified as underprivileged, and the busy routines of people who worked as farmers every day so that they prioritized fulfilling family needs rather than attending Islamic study activities.


2019 ◽  
Vol 12 (1) ◽  
pp. 149-172
Author(s):  
Juju Saepudin

Artikel ini menyajikan hasil penelitian tentang peran Majelis Percikan Iman (MPI) dalam membangun harmoni ditengah heterogenitas organisasi keagamaan di Kota Bandung. Tema ini penting untuk dikaji karena banyak ditemukan gesekan-gesekan diantara majelis taklim disebabkan perbedaan faham dan pandangan. Penelitian ini dilakukan dengan pendekatan kualitatif deskriptif. Pengumpulan data dilakukan dengan cara wawancara, observasi dan studi pustaka terhadap berbagai dokumen yang terkait dengan tema penelitian. Berdasarkan hasil analisis secara induktif dapat diambil beberapa kesimpulan sebagai berikut: Pertama, model pembawaaan Ustadz Aam Amirudin yang ramah, santai dan tidak menyudutkan kelompok tertentu dalam proses kajian menjadi daya tarik bagi jamaah MPI yang berasal dari berbagai kalangan usia dan organisasi keagamaan. Kedua, berbagai jawaban yang diberikan Ustadz Aam Amirudin dalam sesi tanya-jawab selalu memberikan alternatif dalam setiap permasalahan, namun demikian tetap tegas dan jelas sehingga menjadi kenyamanan tersendiri bagi mustami. Ketiga, MPI membuka peluang bagi dai-dai lain yang berasal dari Nahdhatul Ulama, Persatuan Islam, Muhammadiyah, Persatuan Umat Islam dan organisasi keagamaan lainnya atau praktisi akademisi untuk menjadi narasumber dan saling bahu membahu dalam rangka mencerdaskan umat, sehingga terjalin harmoni ditengah heterogenitas keberagamaan. Keempat, MPI hadir untuk memadukan nilai-nilai agama dengan budaya dan kearifan lokal yang yang diimplementasikan melalui model dakwah dengan mengedepankan spirit harmoni.  Kata Kunci: Majelis Percikan Iman, Dakwah, Harmoni, Organisasi Keagamaan, Bandung.   Abstract This article presents the results of research on the role of Majelis Percikan Iman (MPI) in bulding harmony in the heterogeneity of religious organizations in the Bandung city. This theme is important to study because there were many frictions between majelis taklim due to differences in ideas and views. This research was conducted with a descriptive qualitative approach. Data collection was done by interviewing, observing and studying literature on various documents related to the research theme. Based on the results of inductive analysis, some conclusions could be drawn as follows: First, the model of Ustadz Aam Amirudin's delivery which was friendly, relaxed and did not impeach certain groups in the learning process was the main attraction for MPI members from various ages and religious organizations. Second, various answers given by Ustadz Aam Amirudin in the question-and-answer session always provided alternatives in every problem, but remain decisive and clear, so that it brought a cosiness for the listeners. Third, MPI opened up opportunities for other Dai from Nahdhatul Ulama, Persatuan Islam, Muhammadiyah, Persatuan Umat Islam and other religious organizations or academic practitioners to be speakers in order to create a mutual support to educate the people, so that harmony was established in the heterogeneity of religiosity. Fourth, MPI is present to integrate religious values with culture and local wisdom that are implemented through the da'wah model by promoting the spirit of harmony. Keywords: Majelis Percikan Iman, Harmony Dakwah, Religious Organization and Bandung City.


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