scholarly journals PERSEPSI NASABAH TERHADAP PENERAPAN PRINSIP 5C DALAM PENYALURAN KREDIT USAHA RAKYAT (KUR) OLEH PT. BANK RAKYAT INDONESIA (PERSERO), TBK UNIT TOMBATU, MINAHASA TENGGARA

2016 ◽  
Vol 12 (2A) ◽  
pp. 303
Author(s):  
Maria Marlyn Monulandi ◽  
Joachim N.K. Dumais ◽  
Lyndon R.J. Pangemanan

This study aims to describe the perception of consumers towards the implementation of the principle of 5C in loans of business credit (KUR) by Bank Rakyat Indonesia Tombatu Unit. Customer perception is the process of customers in selecting; managing and interpreting information received and furthermore will response to that information. 5C Principle are Character, Capacity, Capital, Condition, and Collateral. This study was conducted from March to June 2016. The implementation of research at PT. Bank Rakyat Indonesia (Persero) Tbk Tombatu Unit Southeast Minahasa Regency. The data used is primary data that interviewing the relevant customer and other customers using questionnaires, and secondary data obtained by dochmenting the data written by the BRI Tombatu Unit. The sampling method was convenience sampling method, where researchers have the freedom to choose any consumer who met as a sample. The number of respondents in this study was 75 respondents, namely the debtor / BRI customers Tombatu Unit. Analysis of the data used is descriptive analysis and Likert scale to describe the perception of consumers towards the implementation of the principle of 5C in lending business credit (KUR) by Bank Rakyat Indonesia. The research results showed that the perception of consumers towards the implementation of the principle of 5C is good with a good interpretation that is 77.68% and that means customers lonsider application of the 5C principle to all customers is good, because then the loan funds can be returned, and on one side of the BRI as lender / credit will be able to advance its business and other side, BRI customers can apply for a loan back to a time in the future.

2019 ◽  
Vol 15 (2) ◽  
pp. 299
Author(s):  
Mario Arron Sumolang ◽  
Grace Adonia Josefina Rumagit ◽  
Lyndon Reinhard Jacob Pangemanan

The purpose of this study was to determine the perceptions of farmers saving at Bank Rakyat Indonesia Sonder Unit. This research has been carried out for three months, namely from April 2019 to June of 2019 starting from preparation to preparation of research reports. The sampling method in this study was intentional (purposive sampling) The data used in this study were primary and secondary data. Primary data is data obtained directly from 79 farmers who save at Bank Rakyat Indonesia Unit Sonder using a questionnaire. Secondary data is data obtained from PT. Bank Rakyat Indonesia Unit Sonder, such as data on consumer saving farmers. The analytical method used in this study is descriptive analysis method and uses Likert scale analysis. The results of this study indicate that the perception of farmers saving at Bank Rakyat Indonesia Unit Sonder belongs to the Satisfied category. .+eprm*


2018 ◽  
Vol 6 (2) ◽  
pp. 111
Author(s):  
Sutrisno Hadi Purnomo ◽  
Rendi Fathoni Hadi ◽  
Sulistyo Sulistyo

This research aimed to find out the influence of different demographic characteristics of beef cattle farmers on adoption of concentrate and UMMB (Urea Mineral Molasses Block) technology. The method employed was a descriptive quantitative with survey technique conducted on beef cattle farmers. The sample was selected using convenience sampling method, with 65 beef cattle farmers as the sample. The primary data was obtained from questionnaire and interview with 65 beef cattle farmers. The secondary data was obtained from Karanganyar Regency’s Central Statistic Agency. The data analysis employed included descriptive analysis, validity, reliability, and Oneway ANOVA tests. The results showed that the different demographic characteristics of beef cattle farmers (age, education, main job, job duration, breeding business status and cattle number owned) influence the adoption of concentrate and UMMB technology. The conclusion of research was that the demographic characteristics of beef cattle farmers showed different effects on the adoption of concentrate and UMMB technology.


2018 ◽  
Vol 6 (2) ◽  
pp. 117
Author(s):  
Joko Amin Sunarko ◽  
Rafeah Abubakar ◽  
Harniatun Iswarini

ABSTRACT This study aims To find out the constraints faced by extension workers in providing agricultural extension in Sukasari Village Mesuji Raya District Ogan Komering Ilir Regency and To know the response of farmers to the implementation of agricultural extension in the Sukasari Village Mesuji Raya District Ogan Komering Ilir Regency. This research was carried out in Sukasari Village Mesuji Raya District Ogan Komering Ilir Regency in March to May 2017. The research method used is qualitative methods. While the sampling method used is simple random Purposive sampling will 28 samples of palm oil farmer. So the sample studied from members of the population as a whole that is as much as 28 oil palm farmers. Data collection methods used are interviews and observation methods. The data collected consists of primary data and secondary data. Method of processing and analysis of data used is using descriptive analysis method with qualitative approach. The results showed that agricultural extension facilities used extension workers are motorcycles, aids and props. Infrastructure that is not yet supported is not yet all extension workers get a service house near the location of counseling, Distance taken by agricultural extension workers in carrying out their duties is about 3 km for the location of the activities of the farmer's house and about 5 km for the location of agricultural gardens. Farmer's response to the organik fertilizer extension activiti b using cattle manure for oil palm plantation with total score or 47,50 which means getting high score.  ABSTRAK Penelitian ini bertujuan Untuk mengetahui kendala yang dihadapi penyuluh dalam memberikan penyuluhan pertanian di Sukasari Kecamatan Mesuji Raya Kabupaten Ogan Komering Ilir dan Untuk mengetahui tanggapan petani terhadap pelaksanaan penyuluhan pertanian di Desa Sukasari Kecamatan Mesuji Raya Kabupaten Ogan Komering Ilir. Penelitian ini dilaksanakan di Desa Sukasari Kecamatan Mesuji Raya Kabupaten Ogan Komering Ilir pada bulan Maret sampai dengan bulan Mei 2017. Metode penelitian yang digunakan adalah metode penelitian kualitatif. Sedangkan metode penarikan contoh yang digunakan adalah acak sederhana Purposive sampling dengan anggota populasi sebanyak 28. Maka sampel yang diteliti dari anggota populasi secara keseluruhan yaitu sebanyak 28 petani kelapa sawit. Metode pengumpulan data yang digunakan adalah wawancara dan observasi. Data yang dikumpulkan terdiri dari data primer dan data sekunder. Metode pengolahan dan analisis data yang digunakan yaitu menggunakan metode analisis diskriptif dengan pendekatan kualitatif. Hasil penelitian menunjukan bahwa Sarana penyuluhan pertanian yang digunakan penyuluh adalah sepeda motor, alat bantu dan alat peraga. Prasarana yang yang belum mendukung adalah belum semua penyuluh mendapatkan rumah dinas di dekat lokasi penyuluhan, Jarak yang ditempuh penyuluh pertanian dalam melaksanakan tugasnya adalah sekitar 3 km untuk kelokasi kegiatan dari rumah petani dan sekitar 5 km untuk lokasi kebun pertanian. Tanggapan petani terhadap kegitan penyuluhan pertanian pupuk organik dengan menggunakan kotoran ternak untuk tanaman kelapa sawit dengan jumlah keseluruhan skornya 47.5 yang artinya memperoleh nilai tinggi.  


Author(s):  
Yunita Isna Ratri ◽  
Achmad Tjahjono

The Analysis Influence of Knowledge Taxation, Socialization, Service, Tax Sanctions and Education Level of Taxpayer Awareness Paying PBB P2. SkripsiStarta One (S1) Accounting Departement STIE Widya Wiwaha Yogyakarta 2018. The purpose of this research is to know influence of Knowledge Taxation,Socialization, Service, Tax Sanctions and Education Level of Taxpayer Awareness Paying PBB P2 with using multiple linear regression and dummy’s variable. The sample in this research includes 120 respondences who are in the District of Prambanan, village Bokoharjo, Madurejo, Sambirejo, Sumberharjo, Wukirharjo, Gayamharjo. The sampling method is convenience sampling. The collected of data to use primary data with questionnaire technique and secondary data that is data taken from DPPKAD (Dinas Pendapatan Pengelolaan Keuangan Aset Daerah). The results of the research to drawn that the partial, knowledge taxation has a positive relationship and significantly influence the awareness of paying taxpayers PBB P2, and Services have a positive relationship and significant effect on the awareness of paying taxpayers PBB P2. By mutual independentvariables affect the awareness of paying taxpayers PBB P2 as a dependent variable.


2018 ◽  
Vol 14 (3) ◽  
pp. 67
Author(s):  
Pebriani Soulun Salu ◽  
Charles R. Ngangi ◽  
Mex Frans Lodwyk Sondakh

This study aims to find out how the perceptions of the peasant community towards the tradition of rambu solo / traditional funeral in Marinding Village. This study lasted for 4 (four) months starting from April 2018 to July 2018 in Marinding Village, Mengkendek Sub-district, Tana Toraja Regency. The data collection method used is primary data collected through direct interviews with the community members and secondary data obtained from the Marinding Village Office. The sampling method used the purposive sampling method. The number of respondents is 15 people. Data analysis used was descriptive analysis. The results showed that there were two types of perceptions from the farmers community towards the tradition of rambu solo / traditional funeral in Marinding Village, Mengkendek Sub-district, Tana Toraja District, namely not supporting and supporting. There are 8 out of 15 respondents who do not support the rambu solo tradition because it is considered a waste that costs very large and expensive and is often for showing their social status in the community. But there is also support in which 7 out of 15 respondents support this tradition because the tradition of the rambu solo tradition reflects the life of the Toraja people who like togetherness and family. In addition, the implementation of solo signs opened up markets and huge profits for the rice farmers, coffee, and cattleman, especially for buffalos and pigs, because they could sell their all agricultural products to people who carried out rambu solo tradition which were usually carried out after the harvest period.*eprm*.


2018 ◽  
Vol 14 (1) ◽  
pp. 175
Author(s):  
Sandro ., Pangemanan ◽  
Rine ., Kaunang ◽  
Jean F. J. Timban

This study aims to describe the prevailing sijon system in clove farming in Raanan Baru Village, West Motoling Subdistrict. This research was conducted for 3 (three) months starting from the preparation phase until the preparation of the report that is since December 2017 s / d February 2018. The data used in this study is primary data which is research data obtained directly from the farmers as respondents and data secondary data which is a research data obtained indirectly through agency information or documents relating to this research and village data. Sampling method in this study using purposive sampling method, meaning that researchers determine their own samples taken because there are certain considerations. Data Analysis Method in this research is processed by using descriptive analysis and then Analysis This data is processed / presented in written form and table. The process of bond transfers in Raanan Baru Village has been going on for generations and has even taken root in the village community itself. From the results of case studies encountered in the field stated that the transaction system of ijon that occurred in Raanan Baru Village, West Motoling Subdistrict of South Minahasa Regency is done on the basis of both parties have agreed and have good intention to do the transaction of debt by only having mutual trust with each other.


2019 ◽  
Vol 15 (2) ◽  
pp. 243
Author(s):  
Anggi Ravy Tanauma ◽  
Welson Marthen Wangke ◽  
Elsje Pauline Manginsela

This study aims to determine the perceptions of farmers in rice fields on the performance of agricultural extension workers in Tatengesan Village, Pusomaen District, Southeast Minahasa Regency. This research wasconducted for 3 months from March to May 2019. The data used in this study are primary data and secondary data. Primary data collection through interviews and filling out questionnaires with 9 direct questions to 20 respondents of lowland rice farmers. Secondary data was obtained from related institutions, namely the Agricultural Extension Office (BPP), the Old Law Office and the Pusomaen District Office of SoutheastMinahasa Regency, the Internet through google searching and google book, to obtain journal books and articles related to research topics, namely perceptions of lowland rice farmers on the performance ofagricultural extension agents. Data analysis carried out in the study was descriptive analysis using a Likert Scale. The results of the study using a Likert Scale showed that the index numbers of perceptions of lowlandrice farmers on the performance of agricultural extension workers were at the point of 57.96% which was included in the satisfied category. *eprm*


2016 ◽  
Vol 12 (2A) ◽  
pp. 165
Author(s):  
Esti Fanny Pentury ◽  
Jenny Baroleh ◽  
Welson M. Wangke

This research has purpose to find out participation of susuripen farmer group’s member in the wailan sub district, north tomohon district, tomohon city. This research been carried out for three months, from April 2016 to June 2016, start from preparation until the prepration of reports. Data used in this research is primary data and secondary data. Primary data obtained from direct interview to the respodents with using questionnaires and secondary data obtained from government agencies which related to the location. Sampling technique used census method with the total of Susuripen farmer groups member is 20 people been interviewed with the questionnaires. Data analysis in this research used descriptive analysis and also likert scale, with level 1 (less active), 2 (active), 3 (very active). This research found based on the analysis using likert scale, that total index of member participation in the Susuripen farmer groups in decision making phase which cover the activeness in the meeting attendance and activeness in the giving opininon. Member participation in the realization activity which covers, activeness in the rice paddy cultivation, activeness in the Horticulture cultivation, activeness in the rice paddy harvest and post-harvest, activeness in the agricultural extension attendance, activeness in the mandatory contribution. Member participation in the evaluation phase which covers involvement in monitoring groups’ activity, involvement in calculating agribusiness outputs. With 79,8 categorized high. Further analysis shows that the member participation level in Susuripen farmer groups with score 479 from presumption that highest score is 600 and lowest score 200. Suggestion in this research based on the summary for the government or locals is motivate member participation in Susuripen farmer groups in the Wailan sub district, north Tomohon district, Tomohon city because that is the main key and main business in the food security development.


2020 ◽  
Vol 16 (2) ◽  
pp. 219
Author(s):  
Christofel Denis Ratu ◽  
Rine Kaunang ◽  
Tommy Fredy Lolowang

This study aims to analyze the income of leek farming in Manembo Village, Passi Timur Sub-district, Bolaang Mongondow Regency. This research lasted for 2 months, from November to December 2019. Sampling in this study was carried out by simple random sampling method with a number of respondents were 25 leek farmers. Primary data were collected through direct interviews using a list of questions (questionnaires) that have been prepared. Secondary data were obtained from the literature related to this research and related institutions. Data analysis used in this research is to use quantitative descriptive analysis and expenditure (production costs) to analyze the income of leek farming. The results showed that the income of onion farming in Manembo Village, East Passi District, Bolaang Mongondow District per farmer on average was IDR. 2,688,800.- *eprm*


2020 ◽  
Vol 16 (3) ◽  
pp. 403
Author(s):  
Sandy Alfa Stefano Sambouw ◽  
Elsje Pauline Manginsela ◽  
Jane Sulinda Tambas

This study aims to describe how the performance of agricultural instructors based on the perceptions of farmer groups in Taratara Satu Village, West Tomohon District, Tomohon City. The research was conducted from February to April 2020. The data used are primary and secondary data. Primary data were obtained through direct interviews with 18 respondents using a questionnaire and secondary data were obtained from the government office of the Taratara Satu village. The sampling method used purposive sampling method. The research results showed, 74 percent of farmers said that the extension workers had carried out their functions well, while 26 percent said that the extension workers were lacking in carrying out their roles and functions.


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