scholarly journals ANALISIS EFEKTIVITAS KREDIT KONSTRUKSI (KMK-KONTRAKTOR) PT. BANK SULUTGO TERHADAP PEMBANGUNAN INFRASTRUKTUR PROVINSI SULAWESI UTARA

Author(s):  
Risy Johanne Tumiwa ◽  
Vekie A. Rumate ◽  
Debby Ch. Rotinsulu

ABSTRAKSektor konstruksi merupakan salah satu sektor penting dalam mendukung pembangunan ekonomi di Indonesia dan berperan dalam menggerakkan sektor riil yang secara langsung menyangkut kehidupan orang banyak. Bank SulutGo untuk beberapa tahun terakhir ini telah memberikan pembiayaan berupa kredit kepada masyarakat. Kredit tersebut salah satunya diberikan untuk kepentingan jasa konstruksi yaitu kredit modal kerja kepada kontraktor. Tujuan penelitian ini adalah untuk mengetahui bagaimana prosedur penerapan pembiayaan kredit modal kerja kontraktor dan untuk mengetahui bagaimana efektivitas pembiayaan kredit modal kerja kontraktor di Bank SulutGo dalam meningkatkan pembangunan infrastruktur. Metode analisis yang digunakan adalah analisis deskriptif kualitatif. Hasil penelitian Pemberian kredit konstruksi merupakan uapaya PT. Bank Sulutgo untuk menjadi mitra utama pengusaha jasa konstruksi dalam memenuhi kekurangan modal kerja penyelesaian proyek terhadap pembangunan infrastruktur di Provinsi Sulawesi Utara. Hal tersebut sejalan dengan misi PT. Bank Sulutgo yaitu berkontribusi dalam pembangunan ekonomi daerah yang berdikari dan berkeadilan artinya tetap berkomitmen pada tujuan awal berdirinya Bank Pembangunan Daerah yakni menyediakan pembiayaan untuk usaha-usaha pembangunan daerah. Tingkat efektivitas Kredit Konstruksi (KMK – Kontraktor) PT. Bank Sulutgo Terhadap Pembangunan Infrastruktur Provinsi Sulawesi selama tahun anggaran 2011 sampai dengan tahun 2018 pada persentase rata-rata 115,69% dan dinyatakan sangat efektif. Hal ini menunjukan bahwa Pembiayaan Kredit Modal Kerja Kontraktor pada Bank SulutGo untuk pembangunan infrastruktur di Provinsi Sulawesi Utara sudah sangat efektif. Kata Kunci: kredit modal kerja, efektivitas kredit, infrastruktur ABSTRACTThe construction sector is one of the important sectors in supporting economic development in Indonesia and plays a role in driving the real sector which directly concerns the lives of many people. Bank SulutGo for the past few years has provided financing in the form of loans to the public. One of the loans is given for the benefit of construction services, namely working capital loans to contractors. The purpose of this study was to find out how the procedure for implementing contractor working capital credit financing and to find out how effective the financing of contractor working capital loans at SulutGo Bank was in improving infrastructure development. The analytical method used is qualitative descriptive analysis. Research results The provision of construction loans is the investment of PT. Bank Sulutgo to become the main partner of construction services entrepreneurs in fulfilling the lack of working capital to complete the project towards infrastructure development in North Sulawesi Province. This is in line with the mission of PT. Bank Sulutgo, which is contributing to the economic development of a region that is self-sufficient and equitable means that it remains committed to the initial objectives of the Regional Development Bank, namely providing funding for regional development efforts. The effectiveness of Construction Loans (KMK - Contractors) PT. Sulutgo Bank for Sulawesi Infrastructure Development during the 2011 fiscal year to 2018 at an average percentage of 115.69% and was declared very effective. This shows that the Contractor's Working Capital Credit Financing at SulutGo Bank for infrastructure development in North Sulawesi Province has been very effective. Keywords: working capital credit, credit effectiveness, infrastructure

2021 ◽  
Vol 24 (3) ◽  
pp. 7-18
Author(s):  
Jakub Majewski

Celem niniejszego artykułu jest prezentacja miejsca infrastruktury transportowej w programowaniu rozwoju społeczno-gospodarczego oraz analiza charakteru i roli tego czynnika w wybranych teoriach rozwoju regionalnego. Pierwsza część pracy opisuje metodę badań oraz wykorzystywane źródła. Część druga zawiera syntetyczny przegląd literatury z zakresu ekonomiki transportu i wskazuje na elementy kluczowe z punktu widzenia rozwoju społeczno-gospodarczego oraz, co za tym idzie, zainteresowania władz publicznych. W części trzeciej opisana jest dyskusja tocząca się wokół oczekiwanej roli inwestycji infrastrukturalnych oraz ich miejsca w wybranych koncepcjach rozwoju regionalnego. Koncentruje się ona wokół dylematu „wyprzedzającego”, bądź „wtórnego” modelu rozbudowy infrastruktury, a także roli tego zagadnienia na tle innych czynników rozwoju regionalnego. Całość zamyka podsumowanie, które zawiera wnioski na temat roli sfery transportu we wspieraniu rozwoju regionów oraz konkluzję, zgodnie z którą infrastruktura transportu stanowi element niezbędny do kreowania dostępności i równolegle wewnętrznego potencjału regionów. The role of transport infrastructure as one of the regional development indicators The aim of this paper is to present the place of transport infrastructure in socio-economic development programming and to analyse the nature and role of this factor in selected theories of regional development. The first part of the paper describes the research method and sources used. The second part contains a synthetic review of the literature on transport economics and indicates the key elements from the point of view of socio-economic development and, consequently, the interest of public authorities. The third part describes the discussion on the expected role of infrastructure investments and their place in selected concepts of regional development. It focuses on the dilemma of the “anticipatory” or “secondary” model of infrastructure development and the role of this issue against the background of other regional development factors. The book closes with a conclusion on the role of the transport sphere in supporting regional development and the conclusion that transport infrastructure is an indispensable element in creating accessibility and, in parallel, the internal potential of regions.


2017 ◽  
Vol 20 (1) ◽  
pp. 87
Author(s):  
Aan Nurhasanah ◽  
Bambang Juanda ◽  
Eka Intan Kumala Putri

ABSTRACTBogor District as one of large region and large number of population has any problems related to accesibility and equity welfare.  Regional proliferation considered as a way to overcome that problems.  The study used scoring method based on PP no. 78 2007 with descriptive analysis, location quotient analysis, and Klassen Tiphology. This study was aimed to analyzed feasibility of regional proliferation and to formulate regional development strategy based on economic potentials in eastern Bogor District region. In general the result showed that eastern Bogor District region appropriate to organize as an autonomous region.  High economic potential and fiscal cappacity of eastern Bogor region can be made as main factor to recommended eastern Bogor District region as an autonomous region.  Thus, the selected strategies are how to develop backward regions base on leading sector, support primary sector development such as agricultural. Goverment policy is important to optimize natural resources management, spread out infrastructure development mainly to support rural area development. The implication of policy directed base on each region characters such as social, culture, spatial, basic sector.   Furthermore regional development analysis can be set base on sub-district region. 


2019 ◽  
Vol 14 (1) ◽  
Author(s):  
William J. Manuputty ◽  
David P. E. Saerang ◽  
Stanly W. Alexander

Retribution is one of the income obtained by various services given or certain permits by the government and one of the agencies that process it is BPPRD, in the North Sulawesi Province BPPRD there is acceptance of many types of retribution one of which is regional wealth usage retribution. The purpose of the authors in this study is to find out the effectiveness of performance and the contribution of retribution on the use of regional wealth in PAD which is a regional development resource analyzed by qualitative methods. The results obtained through this research are able to determine the effectiveness of regional wealth retribution for the past five years is very good in its realization with an average percentage 91,9% with its contribution to local revenue at 0,17%.


2020 ◽  
Vol 2 (1) ◽  
pp. 23
Author(s):  
Daiyana Natalia Balo ◽  
Hendrik Manossoh ◽  
Jessy D. L Warongan

Capital expenditure is a government activity that is to add fixed assets with a useful life of more than one fiscal year. Presidential Regulation Number 16 Year 2018 serves as a guideline for each agency as implementing capital expenditure activities. This study aims to evaluate whether the implementation of capital expenditure at the North Sulawesi Provincial Industry and Trade Office is in accordance with regulations. The method used in this research is descriptive analysis method. The results showed that the implementation of capital expenditure at the North Sulawesi Provincial Industry and Trade Office was in accordance with Presidential Regulation No. 16 of 2018 as a standard for implementing capital expenditure and was well planned.


2018 ◽  
Vol 20 (3) ◽  
pp. 282
Author(s):  
Aan Nurhasanah ◽  
Bambang Juanda ◽  
Eka Intan Kumala Putri

ABSTRACTBogor District as one of large region and large number of population has any problems related to accesibility and equity welfare.  Regional proliferation considered as a way to overcome that problems.  The study used scoring method based on PP no. 78 2007 with descriptive analysis, location quotient analysis, and Klassen Tiphology. This study was aimed to analyzed feasibility of regional proliferation and to formulate regional development strategy based on economic potentials in eastern Bogor District region. In general the result showed that eastern Bogor District region appropriate to organize as an autonomous region.  High economic potential and fiscal cappacity of eastern Bogor region can be made as main factor to recommended eastern Bogor District region as an autonomous region.  Thus, the selected strategies are how to develop backward regions base on leading sector, support primary sector development such as agricultural. Goverment policy is important to optimize natural resources management, spread out infrastructure development mainly to support rural area development. The implication of policy directed base on each region characters such as social, culture, spatial, basic sector.   Furthermore regional development analysis can be set base on sub-district region. 


2020 ◽  
Vol 12 (01) ◽  
pp. 280 ◽  
Author(s):  
Dian Noviyanti ◽  
Andrea Emma Pravitasari ◽  
Sahara Sahara

Abstract Jawa Barat adalah wilayah dengan jumlah penduduk terbesar dan memiliki ketimpangan pembangunan level tinggi.  Perekonomian masih didominasi wilayah yang dekat pusat pemerintahan. Upaya untuk menanggulangi ketidaksetaraan pembangunan adalah dengan pembangunan berkonsep dimensi kewilayahan. Terdapat enam wilayah pengembangan (WP) di Jawa Barat dengan karakteristik wilayah yang berbeda-beda baik dalam segi ekonomi, demografi serta sumberdaya alam. Faktor apa saja yang dominan serta pengaruhnya pada perkembangan wilayah masing-masing WP sangat penting untuk perumusan solusi pembangunan wilayah yang efektif. Penelitian ini bertujuan untuk mengetahui karakteristik dan pengelompokan wilayah, perkembangan perekonomian, tingkat perkembangan wilayah serta arahan rencana dan strategi pembangunan wilayah tiap WP. Metode yang digunakan yaitu analisis tipologi klassen, analisis gerombol, skalogram dan analisis deskriptif. Hasil penelitian menunjukkan tingkat perkembangan wilayah dan perekonomian masih didominasi WP Bodebekpunjur dan KK Cekungan Bandung. Strategi pembangunan yaitu dengan meningkatkan perkembangan wilayah daerah belakang (hinterland) pada tiap WP. Pusat-pusat pertumbuhan baru tersebut diharapkan dapat mendorong laju pertumbuhan ekonomi.Kata kunci: perkembangan wilayah, pemerataan, ekonomi, WP, strategi pembangunan West Java is the region with the largest population and has a high level of development inequality. The economy is still dominated by areas near the center of government. The effort to overcome development inequality is through the development of the regional dimension concept. There are six development areas (WP) in West Java with different regional characteristics in terms of economy, demography and natural resources. What factors are dominant and their influence on the development of the regions of each WP is very important for the formulation of effective regional development solutions. This study aims to determine the characteristics and grouping of regions, economic development, the level of regional development and the direction of regional development plans and strategies for each WP. The method used is Klassen typology analysis, cluster analysis, scalogram and descriptive analysis. The results showed the level of regional and economic development was still dominated by WP Bodebekpunjur and KK Bandung Basin. The development strategy is to increase the development of the hinterland in each WP. The new growth centers are expected to drive the pace of economic growth.Keywords: regional development, equity, economy, WP, development strategy


2018 ◽  
Vol 14 (1) ◽  
pp. 409
Author(s):  
Yuli ., Erithrina ◽  
Leonardus Ricky Rengkung ◽  
Charles R. Ngangi

This study aims to see the effectiveness and performance of Motor Vehicle Taxation (PKB) and Motor Vehicle Tranfer of Ownership Fee (BBNKB) in BP2RD North Sulawesi Province. The study was conducted at Samsat Office of North Sulawesi Province. The study period lasted from October 2017 to March 2018. This research used qualitative method through primary data and secondary data. Sampling is done used purposive sampling method. Data collection was done by observation, interview, and documentation study. The data obtained were analyzed using descriptive analysis. The result of the research shows that (1) the effectiveness of motor vehicle taxation and motor vehicle refund in BP2RD North Sulawesi Province is very effective so as to increase Pendapatan Asli Daerah (PAD) of North Sulawesi Province. This can be seen from the calculation of each type of provincial tax with an average percentage above 100%. (2) The performance of motor vehicle taxes and the transfer of motor vehicle name at the Regional Tax and Retribution Board (BP2RD) of North Sulawesi Province, shows very well as the realization exceed the specified target.


2019 ◽  
Vol 7 ◽  
Author(s):  
Rogneda Groznykh ◽  
Elena Ignatieva ◽  
Oleg Mariev ◽  
Alla Serkova

Infrastructure is one of the main determinants of consistent and sustainable development in different countries and regions. Considering the Russian Federation, where there are 85 regions, not counting the federal cities, the problem of regional development and factors that can promote it, is currently of high importance. Different levels of regional development lead to higher economic differentiation between regions and cause serious damage to the Russian economy. Our main hypothesis suggests that a higher level of infrastructure development in a region positively affects economic development in the areas. Therefore, the main aim of our research is to estimate the impact of infrastructure on economic development in Russian regions using econometric analysis. In addition, cluster analysis was implemented to reveal the difference in infrastructural development levels in the regions. To provide a precise estimation, a database was constructed on Russian regions for the period of 2012 to 2016. The main method used in the research is econometric analysis and cluster analysis by using k-means method based on three main indicators: social, industrial and financial. The results of the analysis reveal 5 different clusters with highly differentiated levels of infrastructural development. Econometric analysis has shown that the most significant infrastructural factors are industrial factors and social factors. The results of the research could be taken into consideration as recommendations for development in order to improve government policy towards less developed Russian regions.


2020 ◽  
Vol 4 (3) ◽  
pp. 167-178
Author(s):  
Zurayna Sari

ABSTRAKPelabuhan berperan sebagai fasilitas penunjang pusat pertumbuhan regional dalam proses pembangunan ekonomi wilayah. Pelabuhan Bebas Sabang diarahkan sebagai pusat pertumbuhan ekonomi regional dan diharapkan dapat meningkatkan perekonomian Kawasan Sabang. Permasalahan yang dihadapi Pelabuhan Bebas Sabang adalah belum optimalnya peran dan fungsi Pelabuhan Bebas Sabang dalam menunjang perekonomian wilayah. Penelitian ini bertujuan untuk mengetahui peran Pelabuhan Bebas Sabang dalam mendorong perkembangan perekonomian Kawasan Sabang. Lingkup materi yang dibahas mencakup peran-peran Pelabuhan Bebas Sabang, menentukan potensi dan masalah serta upaya-upaya peningkatan peran Pelabuhan Bebas Sabang. Metode analisis yang dilakukan adalah analisis deskriptif dengan pendekatan analisis data kualitatif dan kuantitatif. Alat analisis yang digunakan adalah analisis SWOT IFAS-EFAS. Hasil analisis menunjukkan dalam kurun waktu 4 (empat) tahun terakhir dari tahun 2010-2013, Pelabuhan Bebas Sabang belum optimal dalam menjalankan perannya, sehingga membutuhkan strategi pengembangan dengan pendekatan Agressive Maintenance Strategy (strategi perbaikan agresif), yaitu strategi konsolidasi internal dengan memperbaiki faktor-faktor kelemahan untuk memaksimalkan pemanfaatan peluang.Kata kunci: Pengelolaan, SWOT IFAS-EFAS, WilayahABSTRACTPort was supporting facility of regional growth center in the process of regional economic development. Sabang free port was directed as the center of regional economic growth and expected to raise the economy of sabang. Problems faced by sabang free port was yet optimal role and function in supporting the economy of the region. This study aimed to determine the role of sabang free port in supporting the economic development of sabang. The covered material scope included roles of sabang free port, determining the potentials and problems and efforts of increasing the role of sabang free port. The method of analysis was descriptive analysis with qualitative and quantitative approach. The analytical tool used was the swot ifas-efas analysis. The analysis results showed in the period of 4 (four) years from 2010 until 2013, sabang free port was not optimal in carrying out its role yet, so it requires development strategies with agressive maintenance strategy approach, which is internal consolidation strategy by improving vulnerability factors to maximize the utilization of opportunities.Keywords:, Management, Regional, SWOT IFAS-EFAS


2016 ◽  
Vol 8 (2) ◽  
Author(s):  
Arif Hasan ◽  
Dedi Budiman Hakim ◽  
Irdika Mansur

This study aims to analyze causes of the low uptake of the budget and formulate a strategy of maximizing the absorption of expenditure on Balai Penelitian dan Pengembangan Lingkungan Hidup dan Kehutanan Manokwari. Respondents involved are 20 people that consist of: treasury officials and holder output of activity. The data used were secondary data in the form of reports on budget realization (LRA) quarter I, II, III and IV of the fiscal year 2011 to 2015, and the primary data were in the form of interviews with the help of a questionnaire. While the analysis of the data used was descriptive analysis using data tabulation, and the analysis of the three stages strategy of the decision making used IFE and EFE matrix, SWOT matrix and QSPM matrix.The results showed that there are 19 factors causing low of budget absorption until the end of the third quarter, and there were 10 drafts of policy as a strategy for maximizing the absorption of the budget on Balai Penelitian dan Pengembangan Lingkungan Hidup dan Kehutanan Manokwari.ABSTRAKPenelitian ini bertujuan untuk menganalisis penyebab rendahnya penyerapan anggaran belanja dan merumuskan strategi maksimalisasi penyerapan anggaran belanja pada Balai Penelitian dan Pengembangan Lingkungan Hidup dan Kehutanan Manokwari. Responden yang terlibat adalah 20 orang yaitu pejabat perbendaharaan dan pemegang output kegiatan. Data yang digunakan adalah data sekunder berupa laporan realisasi anggaran (LRA) triwulan I, II, III dan IV tahun anggaran 2011 sampai 2015, dan data primer berupa wawancara dengan bantuan kuesioner. Sedangkan analisis data yang digunakan adalah analisis deskriptif menggunakan analisis tabulasi, dan analisis analisis strategi tiga tahap pengambilan keputusan menggunakan matriks IFE dan EFE, matriks SWOT dan matriks QSPM. Hasil penelitian menunjukkan bahwa terdapat 19 faktor penyebab rendahnya penyerapan anggaran belanja sampai akhir triwulan III, dan terdapat 10 rancangan kebijakan sebagai strategi maksimalisasi penyerapan anggaran belanja di Balai Penelitian dan Pengembangan Lingkungan Hidup dan Kehutanan Manokwari.


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