scholarly journals RESCHEDULING GOTONG ROYONG UNTUK PENANGANAN KREDIT BERMASALAH PADA PT BPR BCS MAGETAN

2021 ◽  
Vol 11 (1) ◽  
pp. 33-52
Author(s):  
Nurma Dwi Puspitasari ◽  
Supri Wahyudi Utomo ◽  
Elana Era Yusdita
Keyword(s):  
Qualitative Research ◽  
Financial Institutions ◽  
Financial Services ◽  
Research Method ◽  
Primary Data ◽  
Employee Behavior ◽  
Mutual Cooperation ◽  
Data Source ◽  
Bank Employees ◽  
Bank Employee

ABSTRACT The purpose of this study is to determine the handling of bad loans or problem loans at PT BPR BPR Buana Citra Sejahtera from the Bank's behavior or the behavior of bank employees. This type of research is qualitative research. The research method uses interviews and observations. The data source in this study is primary data, obtained from several employees of PT BPR Buana Citra Sejahtera related to the credit section. Troubled credit handling carried out by the behavior of PT BPR Buana Citra Sejahtera employees in addition to implementing technical imposed by the Financial Services Authority, namely in the form of rescheduling, reconditioning, restructuring, and confiscation of guarantee goods. PT BPR Buana Citra Sejahtera also applies a sense of chair and humanity by through the process of resignation of the monthly book close to wait for customers who have agreed to pay off their bad credit. So besides considering the return of credit for the bank in the end there are values caught on the practice of PT BPR Buana Citra Sejahtera, namely still considering a sense of mutual cooperation, humanity, kinship. Keywords: People's credit bank, employee behavior, accounting for confectional, financial institutions, principle timeliness.   ABSTRAK Tujuan dari penelitian ini yaitu  untuk mengetahui penanganan kredit macet atau kredit bermasalah pada PT BPR  Buana Citra Sejahtera  dari perilaku pihak bank atau perilaku karyawan bank.  Jenis penelitian  ini  adalah penelitian kualitatif. Metode penelitian menggunakan   wawancara dan observasi. Sumber data pada penelitian ini adalah data primer, diperoleh dari beberapa karyawan PT BPR Buana Citra Sejahtera yang berhubungan dengan bagian kredit. Penanganan kredit bermasalah yang dilakukan oleh perilaku karyawan PT BPR Buana Citra Sejahtera selain menerapkan tehnik yang diberlakukan oleh Otoritas Jasa Keuangan yaitu berupa rescheduling, reconditioning, restructuring, serta penyitaan barang jaminan. PT BPR Buana Citra Sejahtera juga menerapkan  rasa kekelurgaan dan kemanusian dengan melalui proses  pengunduran tanggal tutup buku bulanan untuk menunggu nasabah yang telah sepakat akan melunasi kredit macetnya. Jadi selain pertimbangan kembalinya kredit untuk pihak bank pada akhirnya terdapat nilai-nilai yang tertangkap pada praktik PT BPR Buana Citra Sejahtera yaitu masih mempertimbangkan rasa gotong royong, kemanusiaan, kekeluargaan. Kata Kunci: Bank perkreditan rakyat, Perilaku karyawan, Akuntansi keperilakuan, Lembaga Keuangan, Prinsip ketepatan waktu.

scholarly journals Keterkaitan Kerahasiaan Bank dan Pajak: Antara Kepentingan Negara dan Pribadi

2019 ◽  
Vol 16 (2) ◽  
pp. 212
Author(s):  
Akhmad Yasin
Keyword(s):  
Qualitative Research ◽  
Financial Institutions ◽  
Financial Services ◽  
Research Method ◽  
Financial Information ◽  
Constitutional Court ◽  
Legal Research ◽  
Qualitative Research Method ◽  
Bank Secrecy ◽  
Tax Payments

Bank sebagai lembaga keuangan, eksistensinya sangat tergantung dari kepercayaan masyarakat yang menjadi nasabahnya. Masyarakat telah memercayai bank sebagai institusi yang menyimpan dana nasabah, mengelola dan menyalurkan kembali kepada masyarakat dalam bentuk pinjaman atau kredit. Oleh karena itu, untuk menjaga kepercayaan nasabah tersebut, bank harus mematuhi ketentuan mengenai rahasia bank. Permasalahan dalam penelitian ini adalah mengetahui dalam kondisi bagaimana rahasia bank dapat diakses, pihak-pihak mana yang wajib menjaga kerahasiaan bank, adakah keterkaitan kerahasiaan bank dengan pajak, dan perlukah kerahasiaan bank yang terkait pajak dihilangkan. Penelitian ini menggunakan metode penelitian deskriptif kualitatif. Hasil penelitian mengungkapkan bahwa terdapat beberapa kondisi dimana rahasia bank boleh dibuka, tetapi tidak semua informasi dan data keuangan nasabah boleh dibuka di hadapan publik kecuali setelah adanya persetujuan dari Otoritas Pajak dan setelah mendapat laporan dari lembaga jasa keuangan di bawah pengawasan Otoritas Jasa Keuangan. Pembukaan rahasia bank diperbolehkan apabila berhubungan dengan kepentingan negara, seperti untuk kepentingan peningkatan kepatuhan masyarakat terhadap pembayaran pajak dan peningkatan penerimaan negara di sektor pajak.Banks as financial institutions, their existence is very dependent on the people’s trust who become their customers. The community has trusted banks as institutions that store customer funds, manage and channel back to the community in the form of loans or credits. Therefore, to maintain the customer's trust, the bank must obey bank secrets provisions. This research uses descriptive qualitative research method in the form of normative legal research and laws and regulations studies related to bank secrecy, derived from literature such as constitutional court decision, books, journals, articles, magazines, and websites. The results reveal that there are several conditions under which bank secrets may be opened, but not all financial information and data of the client may be disclosed in public unless after approval by the Tax Authority after receiving a report from a financial services institution under the supervision of the Financial Services Authority. The unveiling of bank secrecy is permitted when it comes to the interests of the state, such as for the purpose of increasing public compliance of tax payments and increasing state revenues in the tax sector. 

Online Place Branding

2021 ◽  
pp. 128-149
Author(s):  
Victor Alexandru Briciu ◽  
Arabela Briciu
Keyword(s):  
Qualitative Research ◽  
Research Method ◽  
Place Branding ◽  
Primary Data ◽  
Cultural Environment ◽  
The Core ◽  
Theoretical Perspectives ◽  
Core Components ◽  
Data Source ◽  
Nation Brand

This chapter provides a new methodological analysis grid on the topic of the variations of identity characteristics that appear on the webpages of country brands, highlighting the theoretical perspectives, strategies, and ways in which brands are built in the socio-cultural environment by their stakeholders or their legal owners and the valences of the reconstruction or adaptation of brands in the online environment, from the perspective of Web 1.0 and Web 2.0 dynamics, while shaping the core components and the dynamics of the nation brand identity. A corpus of 80 cases of official country brands were analyzed as primary data source by applying a quantitative-qualitative research method of studying and analyzing different forms of communication (the content analysis) on the official websites of place brands (countries) in order to determine a systematic and quantifiable way for measuring the identity characteristics of those brands.

scholarly journals Analisis Strategi Differensiasi Citra Perusahaan dalam Pemasaran Sebagai Upaya Untuk Menciptakan Keunggulan Bersaing ( Studi Pada PT. Ar Tour & Travel)

2018 ◽  
Vol 5 (2) ◽  
pp. 383
Author(s):  
Muhammad Arif Hakim ◽  
Nur Faizah
Keyword(s):  
Qualitative Research ◽  
Research Method ◽  
Secondary Data ◽  
Primary Data ◽  
Service Users ◽  
Good Communication ◽  
Image Dimension ◽  
Image Building ◽  
Data Validity ◽  
Data Source

This research is to know: (a) how the image of PT. AR Tour & Travel by service users, (b) how the efforts of PT. AR Tour & Travel in build the image as a form of differentiation marketing, (c) marketing advantages by use dimension of image done by PT. AR Tour & Travel. This research uses descriptive qualitative research method. Data source used is primary data and secondary data. Technique of collecting data with observation, interview, and documentation. Test of data validity use triangulation. The results are: First, some images that apply to the PT. AR Tour & Travel by service users, (a) PT. AR Tour & Travel has an expensive package price, (b) PT. AR Tour & Travel provides the best facilities, (c) PT. AR Tour & Travel is able to provide a manasik that is easily understood and followed by the pilgrims, (d) PT. AR Tour & Travel has a variety of packages that can be adapted to the needs of pilgrims, (e) The employees of PT. AR Tour & Travel has a friendly attitude in service. Second, the efforts made by PT. AR tours & Travel in image building are, (a) utilizing the charismatic image of the leader of the AR Foundation, (b) varying product packages, (c) applying work traditions and culture, (d) maintaining good communication with service users. Third, the advantages of marketing differentiation using image dimension is quite effective, the indication can be seen from the data of the number of service users who always show well.

scholarly journals Ada Apa dengan Dewan Pengawas Syariah di Koperasi Simpan Pinjam dan Pembiayaan Syariah?

2019 ◽  
Vol 3 (2) ◽  
pp. 155
Author(s):  
Choirul Absor ◽  
Kharis Fadlullah Hana ◽  
Fatikha Rizqya Nur
Keyword(s):  
Financial Institutions ◽  
Supervisory Board ◽  
Secondary Data ◽  
Primary Data ◽  
Office Visits ◽  
Moral Principles ◽  
Savings And Loan ◽  
Data Source ◽  
Feasibility Test

<p><em>This study aims to determine the role of the Sharia Supervisory Board in supervising Sharia Savings and Loan Cooperatives (KSPPS) so that operations do not come out of sharia provisions. Sharia Supervisory Board includes legal assistants who have the duty to ensure and conduct supervision so that Sharia Financial Institutions are in sharia provisions. Savings and Loan Cooperatives and Sharia Financing are financial institutions that are socially based and in their activities are based on moral principles by considering haram and lawfulness of a business that is run in accordance with Islamic regulations. The method used to conduct this research is qualitative. The data source uses secondary data and primary data by collecting data in the form of interviews and documents. Based on the results of observations on KSPPS Berkah Abadi Gemilang that Supervision conducted by DPS there is still an obstacle that causes less optimal supervision, namely members of sharia supervisors who do not understand muamalah fiqh, mastery of economics and DPS rarely make office visits. In addition, one member of the DPS also does not yet have a certificate of proof of passing the exam from DSN-MUI or other standard certificates, in this case at least the results of the certificate provide a guarantee that the Sharia Supervisory Board has passed the feasibility test to become the Sharia Supervisory Board. KSPPS Berkah Abadi Gemilang in practice also still has errors, the Ba'I Bi'saman Ajil contract which is supposed to be a sale and purchase agreement but made as a financing and error in determining the margin based on the presentation of the money lent.</em></p>

scholarly journals UPACARA NGABEN NINGKEB DI BANJAR KEBON DESA PAKRAMAN BLAHBATUH KECAMATAN BLAHBATUH KABUPATEN GIANYAR (Kajian Filosofis)

2017 ◽  
Vol 1 (2) ◽  
pp. 472
Author(s):  
Ni Luh Putu Yulia Sukma Yanti
Keyword(s):  
Qualitative Research ◽  
Secondary Data ◽  
Primary Data ◽  
Return Function ◽  
Primary Data Source ◽  
Long Time ◽  
Data Source ◽  
Structural Functionalism ◽  
Religious Theory ◽  
Structural Functionalism Theory

<p><em>Ngaben Ningkeb interpreted Ngaben ceremony that ended in a reversed way or called Ningkeb.Fenomena background researcher to examine the problems about the implementation of Ngaben Ningkeb Ceremony with the formulation of the problem include: 1). How is the Ngompen Ningkeb Ceremony Procession in Banjar Kebon, Pakraman Blahbatuh Village, Blahbatuh District, Gianyar Regency? 2). What is the function of Ngaben Ningkeb Ceremony in Banjar Kebon, Pakraman Blahbatuh Village, Blahbatuh District, Gianyar Regency? 3). What is the philosophical meaning contained in Ngompen Ningkeb Ceremony at Banjar Kebon, Pakraman Blahbatuh Village, Blahbatuh District, Gianyar Regency? With the aim of research can implement the science of religion obtained in the life of the community and know in general about the Procession, Functions and Meaning philosophical related Ngaben Ningkeb Ceremony.</em></p><p><em>This research is discussed using several theories, among others, Religious Theory, is used because this research includes the research of Religion, Structural Functionalism Theory, used to dissect the problems related to Ngaben Ningkeb Ceremony, and Symbol Theory, is used to study the meaning of Philosophy. This type of research is qualitative research with primary data source from the field that is by observation and interview while secondary data obtained through documentation technique.</em></p><p><em>The results of the study as follows: 1). A. The initial procession Ngaben ningkeb ceremony, among others: Nyamuh, Matur Piuning, Mapajati, Ngulapin and Nyiramin. B. Ningkeb peak procession among others: Nedunin Sawa, Towards Setra, Sprinkle various types Tirta, Ngeseng Sawa, and last Ningkeb. C. The process after the implementation of Ngaben Ningkeb, among others: Mapegat and Mecaru. 2). Function Ceremony Ngaben Ningkeb include: A. Sustainability Function, where Ngingken ningkeb ceremony can be practically can be a ceremony that deserves to be preserved because in every process is something sacred and different with Ngaben in general. B. The return function of Sanghyang Panca Mahabhuta, which outlines the elements of Panca Mahabhuta in this great realm and usher Atma (Spirit) into Pitra nature by deciding Atma's love with his world. C. Purgatory function, in this case, purification is intended as a main foundation that should be put forward in the process Ngaben ningkeb ceremony. 3). And the meaning contained in Ngingken ningkeb ceremony is a philosophical meaning, where the conception of sarira is used as the meaning of philosophy Ngaben ningkeb is the conception of Sarira according to Wrhaspati Tattwa. And the meaning of Return Panca Mahabhuta, where basically all will return by itself although not done ceremony Ngaben, but it takes a very long time, hence from cultivated to return by cremation (Ngaben).</em></p>

scholarly journals Pengaruh Kepemimpinan Kepala Sekolah pada Sekolah Bertaraf Internasional

2021 ◽  
Vol 2 (2) ◽  
pp. 169-180
Author(s):  
Fandi Akhmad ◽  
Oktanadhiya Defa Rosana ◽  
Al A'raaf Wira Adli ◽  
Nuraini Karim Damanik ◽  
Khonsa Dhiya Ulhaq
Keyword(s):  
Qualitative Research ◽  
School Leadership ◽  
Research Method ◽  
School Quality ◽  
Teacher Performance ◽  
International School ◽  
Data Source ◽  
Positive Effect ◽  
Research Type

This study aims to increase the quality of leadership according to the context in the field, especially in the standard of international school leadership. The research method uses a qualitative research type, with the data source used is literature both in books and journals. The results showed that there was a weak but influential relationship between the School Principal's leadership on school quality its self. There is a weak but significant and influential relationship between teacher performance and school quality. Simultaneously, School Principal's leadership and teacher performance have a weak but significant relationship, and both have a positive effect on school quality.Penelitian ini bertujuan untuk meningkatkan kualitas kepemimpinan sesuai dengan konteks di lapangan khususnya dalam kepemimpinan pada sekolah bertaraf Internasional. Metode penelitian menggunakan jenis penelitian kualitatif dengan sumber data yang digunakan adalah berupa literatur baik dalam buku maupun jurnal. Hasil penelitian menunjukkan bahwa terdapat hubungan yang lemah namun berpengaruh antara kepemimpinan kepala sekolah terhadap mutu sekolah. Terdapat hubungan yang lemah namun signifikan dan berpengaruh antara kinerja guru terhadap mutu sekolah. Secara simultan, kepemimpinan kepala sekolah dan kinerja guru memiliki hubungan yang lemah namun signifikan, dan berpengaruh positif terhadap mutu sekolah. 

scholarly journals CREDIT CO-OPERATIVES AND THEIR ROLE IN POVERTY REDUCTION IN RURAL CHINA

2017 ◽  
Vol 1 (2) ◽  
pp. 97
Author(s):  
Li Zhao
Keyword(s):  
Financial Institutions ◽  
Financial Services ◽  
Poverty Reduction ◽  
Social Connectedness ◽  
Rural China ◽  
Modern China ◽  
Primary Data ◽  
Field Investigations ◽  
Local Embeddedness ◽  
New Type

Financial constraints may contribute to poverty traps. In the underdeveloped capital markets of rural China, many poor farmers in disadvantaged areas are financially constrained and denied access to formal financial services. A few attempts have been made to reform rural credit co-operatives but with limited impact. Recently, the development of rural mutual co-operatives, as one of new-type rural financial institutions, has gained increasing attention among scholars. While scholars predict that it would be difficult for true co-operative financial institutions to establish themselves and develop in China, this study discusses the conditions for the development of rural mutual co-operatives and identifies their institutional advantages in poverty outreach and financial sustainability. The analysis of the study is largely based on the primary data collected from field investigations and case studies. The study reveals that these organizations have played a significant role in promoting financial inclusion and become a sustainable driver for poverty reduction. This observation is in contrast to the widely-believed prediction that it is hardly probable for true credit co-operatives to establish themselves in modern China due to excessive government intervention and China’s peculiar political culture and social context. The findings also suggest two conditions be necessary to achieve their potential, namely, the co-operation between credit co-operatives and agricultural co-operatives, and local embeddedness with good social connectedness.

scholarly journals MULTIKULTURALISME DI INDONESIA

2021 ◽  
Author(s):  
Efit Fitria Agustianty
Keyword(s):  
Qualitative Research ◽  
Data Analysis ◽  
Cultural Values ◽  
Data Reduction ◽  
Research Method ◽  
Descriptive Analysis ◽  
National Policy ◽  
Global Level ◽  
Data Presentation ◽  
Data Source

AbstractThis study aims to analyze multiculturalism in Indonesia in terms of the diversity of cultural values in Indonesia as a form of creative community work.This study uses a qualitative research method with a descriptive analysis approach, which describes multiculturalism in Indonesia as seen from the diversity of cultural values in Indonesia as a form of creative community work. The data source used in this study is literature related to multiculturalism in Indonesia. Data analysis was carried out through data reduction, data presentation and conclusions or verification.The research results point to multiculturalism as an approach and as a National Policy. As stated above, multiculturalism is an ideological way out of the problem of the decline in the forces of integration and awareness of nationalism of a nation as a result of changes at the global level. Indonesia.Keyword: multiculturalism, Indonesia

PEMBAHARUAN HUKUM ISLAM DI MESIR DAN SUDAN: STUDI KOMPARASI

2021 ◽  
Vol 2 (3) ◽  
pp. 1
Author(s):  
Asrizal Saiin ◽  
Hasbi Umar ◽  
Hermanto Harun
Keyword(s):  
Qualitative Research ◽  
Research Method ◽  
Islamic Law ◽  
Secondary Data ◽  
Western Civilization ◽  
Normative Approach ◽  
Western Imperialism ◽  
Secondary Data Source ◽  
Data Source

This paper discusses how the renewal of Islamic law occurred in Egypt and Sudan. This study uses a qualitative research method with a normative approach. The data source used in this study is a secondary data source, because it only examines the literature or literature. From the results of this study, it can be understood that the role of the countries of Egypt and Sudan in fighting for qanunization (taqnin) and the formalization of Islamic law is very large. Even though they have to go through the challenges of Western imperialism and secularism, so that Islamic societies and countries have variations in responding to Western civilization today. The renewal of Islamic law in Egypt and Sudan occurred because of the struggle of Muslims in Egypt and Sudan with the rulers of the Islamic world, between secularism and Islamic law.

How Customer Analytics and Digital Technologies Drive Banks to Understand Consumer Awareness Towards Financial Inclusion

2018 ◽  
pp. 66-85
Author(s):  
Yuvraj Sharma
Keyword(s):  
Financial Institutions ◽  
Financial Services ◽  
Digital Technologies ◽  
Financial Inclusion ◽  
Primary Data ◽  
Related Data ◽  
Customer Analytics ◽  
Clear Communication ◽  
Increasing Demand

In today's switching economy, customers' needs are changing and they are demanding more transparency, higher involvement, and clear communication in day-to-day banking processes. The rationale behind carrying out the present research is to identify the role of customer analytics in the new digital customer journey in terms of enhancing their engagement, loyalty, and satisfaction. The present research emphasizes opportunities that would accrue to financial institutions after demonetization and collecting large amount of demographics, customer transaction, and account-related data. Primary data was collected from 300 customers through a structured questionnaire to know their perceptions about the role of customer analytics and digital technologies to build their confidence and capability to use financial services. This study brings out the customer analytics trends and identifies the reasons due to which banks are struggling to keep pace with the increasing demand of both digital savvy and traditional consumers.

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