Upaya Pencegahan dan Penanganan Kredit Macet Ditinjau dari Persepsi Nasabah

Eriska Ajeng Ade Putri; Elva Nuraina; Elana Era Yusdita

doi:10.35838/jrap.2020.007.02.16

Upaya Pencegahan dan Penanganan Kredit Macet Ditinjau dari Persepsi Nasabah

Jurnal Riset Akuntansi & Perpajakan (JRAP) ◽

10.35838/jrap.v7i02.1616 ◽

2020 ◽

Vol 7 (02) ◽

pp. 185-196

Author(s):

Eriska Ajeng Ade Putri ◽

Elva Nuraina ◽

Elana Era Yusdita

Keyword(s):

Data Collection ◽

Preventive Measures ◽

Jel Classification ◽

Qualitative Approach ◽

Business Failure ◽

Customer Perceptions

ABSTRACT This research aims to minimize or avoid nonperforming loan problems by knowing the perspective side of the customer which the bank does not know. The type of research used is a qualitative approach. Data collection techniques through interviews and observations. The findings of the study show that (1) In the procedure for granting credit, there are requirements if a customer who wishes to apply for a loan also includes collateral and a mutation in the customer’s savings account balance. (2) Loans given by Banks, especially the type of KUR (People’s Business Credit) are primarily intended for people who wish to establish or de-velop their businesses, however some of the funds are used for personal purposes and also deposit loan funds at the Bank. (3) According to customer perceptions, the factors causing nonperforming loan are mainly due to business failure, coupled with the Covid-19 pandemic. (4) Preventive measures that can be taken are conducting customer business surveys by focusing on opportunities for customer to earn income or paying attention to the customer’s business chan. Handling measures that can be taken are by means of credit restructuring or credit extension by the bank. ABSTRAK Penelitian ini bertujuan untuk meminimalisir atau menghindari masalah kredit macet dengan mengetahui sisi presepktif dari nasabah yang tidak diketahui oleh bank. Jenis penelitian yaitu pendekatan kualitatif. Teknik pengumpulan data melalui wawancara dan observasi. Hasil temuan penelitian menunjukan bahwa (1) Dalam prosedur pemberian kredit terdapat persyaratan jika nasabah yang hendak mengajukan pinjaman juga menyertakan agunan dan mutasi saldo rekening tabungan nasabah. (2) Pinjaman yang diberikan bank khususnya jenis KUR (Kredit Usaha Rakyat) utamanya diperuntukan bagi masyarakat yang hendak mendirikan atau mengembangkan usahanya , namun ada sebagian dana yang digunakan untuk kepeluan pribadi dan juga mendepositokan dana pinjaman di bank. (3) Menurut persepsi nasabah faktor penyebab kredit macet utamanya karena kegagalan bisnis ditambah lagi dengan adanya pandemi covid-19. (4) Upaya pencegahannya yaitu melakukan survei usaha nasabah dengan berfokus pada peluang nasabah dalam memperoleh pendapatan atau memperhatikan rantai bisnis nasabah. Upaya penanganannya yaitu dengan cara rekstrukturisasi kredit atau perpanjangan masa kredit yang dilakukan oleh pihak bank. JEL Classification : E51, E59

SIMBOLISASI DALAM NOVEL SANG ALKEMIS KARYA PAULO QUELHO

SASTRANESIA Jurnal Program Studi Pendidikan Bahasa dan Sastra Indonesia ◽

10.32682/sastranesia.v7i4.1301 ◽

2019 ◽

Vol 7 (4) ◽

pp. 79

Author(s):

Endang Maruti

Keyword(s):

Content Analysis ◽

Data Collection ◽

Old Age ◽

Qualitative Approach ◽

Data Sources ◽

The Novel ◽

Note Taking ◽

Literature Study ◽

Collection Method ◽

Data Collection Method

The research aims to uncover the symbols in the novel The Alchemist and to gain knowledge about the moral teachings in the symbol. This research is descriptive qualitative approach. Data sources in this study are words, phrases or sentences in the novel Alchemist. Data collection method is a literature study method with note taking technique. Data were analyzed using description and content analysis methods. The results showed that the novel The Alchemist contained many symbols. These symbols include: (1) wise parents, who symbolize both negative and positive things. From his appearance, parents can symbolize something bad, but behind his old age he symbolizes a knowledge that is very much and wise; (2) stones that symbolize something hard, not easily broken, and can provide clues to something; and (3) deserts or deserts which can be interpreted as symbols of drought, aridity, unattractiveness, emptiness, despair, determination for ignorance, and also as symbols of devotion.

Perkembangan Bahasa dan Seni Siswa Kelas Tinggi Madrasah Ibtidaiyah Negeri I Yogyakarta

al-Aulad: Journal of Islamic Primary Education ◽

10.15575/al-aulad.v2i2.5211 ◽

2019 ◽

Vol 2 (2) ◽

pp. 32-44

Author(s):

Muhamad Rofi Fauzi ◽

Salmadina Saktiani

Keyword(s):

Data Collection ◽

Language Development ◽

Qualitative Approach ◽

Early Age ◽

Data Collection Technique ◽

Children’S Work ◽

Power Of God

The development experienced by humans when explored deeply will make people more confident in the power of God. Simple things such as the process of developing the language and art of children, in fact there is something extraordinary in it, which if disturbed will have an impact on further developments or other aspects.Writing this journal uses a qualitative approach, through observation, interviews, and documentation as a data collection technique. Based on the results of the research conducted, there are some results, namely the indicator of language development of VA class children basically has been achieved in accordance with the task of development at his age. But there are some things that have not been maximized in achieving this, such as the use of synonyms from several words, and metaphorical sentences that do not fully understand. The development of VA class art is in the phase of the Early Realism and the Early Age of Pseudo Naturalism which in the early realism phase In the period of Early Realism, children's work more closely resembled reality. Perspective awareness begins to emerge, but based on one's own vision. Keywords: Language Development, Art, Madrasah

TURN-OVER GURU PADA MADRASAH ALIYAH NAHDLATUL ULAMA

JURNAL PENELITIAN ◽

10.28918/jupe.v13i1.704 ◽

1970 ◽

Vol 13 (1) ◽

Author(s):

Mochamad Iskarim

Keyword(s):

Data Collection ◽

Negative Impact ◽

Positive Impact ◽

New Teacher ◽

Qualitative Approach ◽

Depth Interview ◽

Nahdlatul Ulama ◽

Turn Over ◽

Interview Questionnaire ◽

Collection Methods

Penelitian ini dimaksudkan untuk mengetahui dampak positif dan negatif dari adanya pergantian (turn-over) guru di Madrasah Aliyah Nahdlatul Ulama Banyuputih kabupaten Batang. Penelitian inimenggunakan pendekatan kualitatif deskriptif analitis dengan metode pengumpulan data berupa wawancara mendalam, angket, dan dokumentasi. Hasil penelitian menunjukkan adanya turn-over yang tinggi pada guru atau pendidik di madrasah tersebut; keuntungan yang bersifat positif justru didapatkan ketika adanya turn-over guru dibandingkan dampak negatifnya; dan kehadiran guru baru menjadi hal yang sangat disukai oleh siswa dalam hal kreativitas, inovasi pembelajaran, motivasi, dan lain sebagainya.The aims of this research were to know the positive and negative impact of teacher turn over at Madrasah Aliyah Nahdlatul Ulama Banyuputih Kabupaten Batang. This research was use analytical descriptive qualitative approach with depth interview, questionnaire and documentation as data collection methods. The results of this research shows that the positive impact occur more than the negative impact when there was teacher turn over; and the presence of a new teacher become student’s favourite on creativity, learning innovation, and motivation aspects.

Analisis Efektivitas Distribusi Zakat Produktif Dalam Meningkatkan Kesejahteraan Mustahik (Studi Kantor Cabang Rumah Zakat Sumatera Utara)

AT-TAWASSUTH: Jurnal Ekonomi Islam ◽

10.30821/ajei.v4i1.4090 ◽

2019 ◽

Vol 4 (1) ◽

pp. 137

Author(s):

Mulkan Syah Riza

Keyword(s):

Data Analysis ◽

Data Collection ◽

Qualitative Analysis ◽

Field Research ◽

Qualitative Approach ◽

North Sumatra ◽

Descriptive Method ◽

Descriptive Qualitative

This study aims to explain how the distribution of productive zakat in the Rumah Zakat North Sumatra and how the effectiveness of productive zakat distribution in improving the welfare of mustahik in the Rumah Zakat North Sumatra. This study uses a qualitative approach with a type of descriptive method, which is a problem that guides researchers to explore and photograph situations that will be thoroughly investigated, broadly and deeply. Data collection techniques with field research, while the tools used are observation, interviews and documentation. Data analysis used is descriptive qualitative analysis. The results of this study inform that in distributing productive zakat funds, Rumah Zakat is in accordance with Law No. 23 of 2011 concerning Management of Zakat. The distribution of productive zakat carried out by the Rumah Zakat North Sumatra through the Senyum Mandiri Program to mustahik in Medan Helvetia Subdistrict has been effective, because it can improve the welfare of mustahik, this is evidenced by the income of eight of thirteen mustahik people in total, five people whose income is fixed and four out of eight people whose income has increased has reached the level of muzaki.

ANALISIS PERANGKAT PEMBELAJARAN GURU PENDIDIKAN AGAMA ISLAM BERDASARKAN KURIKULUM 2013 DI SMP NEGERI 1 PERCUT SEI TUAN DELI SERDANG

ANSIRU PAI : Pengembangan Profesi Guru Pendidikan Agama Islam ◽

10.30821/ansiru.v3i2.5850 ◽

2019 ◽

Vol 3 (2) ◽

pp. 62

Author(s):

Nur Aini

Keyword(s):

Data Collection ◽

Religious Education ◽

Data Reduction ◽

Qualitative Approach ◽

Implementation Plan ◽

Analysis Technique ◽

Collection Data

The purpose of this study was to determine: (1) Suitability of 2013 Curriculum Annual Program Preparation, (2) Suitability of Compilation of the 2013 Curriculum Semester Program. (3) Appropriate components of the Learning Implementation Plan (RPP) based on Permendikbud No.22 2016. The approach used in this study is a qualitative approach The data analysis technique used is data collection, data reduction and data presentation conclusions. The technique of guaranteeing the validity of the data is done by checking trust, checking examination and checking dependency. The results of the study can be concluded that the results of the Analysis of Suitability of Annual Programming, Semester Program, and Learning Implementation Plan can be categorized as "In Accordance" because the results are obtained based on the scores of the Annual Program, Semester Program and Learning Implementation Plan (RPP) compiled by the teacher Islamic religious education in SMP Negeri 1 Percut Sei Tuan Deli Serdang.

TANTANGAN DAN PENGUATAN IDEOLOGI PANCASILA DALAM MENGHADAPI ERA REVOLUSI INDUSTRI 4.0

JOURNAL OF DIGITAL EDUCATION, COMMUNICATION, AND ARTS (DECA) ◽

10.30871/deca.v2i02.1546 ◽

2019 ◽

Vol 2 (02) ◽

pp. 66-78

Author(s):

Nurul Fadilah

Keyword(s):

Content Analysis ◽

National Identity ◽

Data Analysis ◽

Data Collection ◽

Human Resources ◽

Research Method ◽

Industrial Revolution ◽

Qualitative Approach ◽

The State ◽

Way Of Life

The ideology of Pancasila as a way of life, the basis of the state, and national identity has a various challenge from time to time so that the existence of Pancasila as an Ideology must be maintained, especially in industrial revolution 4.0. The research method used is a qualitative approach by doing study of literature. In data collection the writer used documentation while in techniques data analysis used content analysis, inductive and descriptive. Results of the research about challenges and strengthening of the Pancasila Ideology in facing the era of the industrial revolution 4.0 are: (1) grounding Pancasila, (2) increasing professional human resources based on Pancasila’s values, (3) maintaining the existence of Pancasila as the State Ideology.

Social Media Literacy For Housewives In Kanoman Maguwoharjo Village, Sleman, Yogyakarta

Proceeding of LPPM UPN "VETERAN" Yogyakarta Conference Series 2020- Political and Social Science Series ◽

10.31098/pss.v1i1.183 ◽

2020 ◽

Author(s):

Dewi Novianti ◽

Siti Fatonah

Keyword(s):

Social Media ◽

Focus Group ◽

Data Collection ◽

Focus Group Discussion ◽

Media Literacy ◽

Participant Observation ◽

Group Discussion ◽

Qualitative Approach ◽

Research Subjects

Social media is a necessity for everyone in communicating and exchanging information. Social media users do not know the boundaries of age, generation, gender, ethnicity, and religion. However, what is interesting is the user among housewives. This study took the research subjects of housewives. Housewives are chosen as research subjects because they are pillars or pillars in a household. If the pillar is strong, then the household will also be healthy. Thus, if we want to build a resilient and robust generation, we will start from the housewives. A healthy household starts from strong mothers too. This study aims to find out the insights of the housewives of Kanoman village regarding the content on smartphones and social media and provide knowledge of social media literacy to housewives. This study used a qualitative approach with data collection techniques using participant observation, interviews, focus group discussion (FGD), and documentation. The results of the study showed that previously housewives had not experienced social media literacy. Then the researchers took steps to be able to achieve the desired literacy results. Researchers took several steps to make them become social media literates. They become able to use social media, understand social media, and even produce messages through social media.

Habilidades do Enfermeiro no Diagnóstico e Cuidado ao Portador de Depressão / Nursing Skills in Diagnosis and Care For Patients With Depression

REVISTA CIÊNCIAS EM SAÚDE ◽

10.21876/rcsfmit.v5i4.402 ◽

1970 ◽

Vol 5 (4) ◽

pp. 13-19

Author(s):

Cristiane Rosa Guedes ◽

Bianca Del Ducca Alvarenga ◽

Isabella Rotella ◽

Débora Vitória Alexandrina Lisboa Vilella

Keyword(s):

Data Collection ◽

Family Involvement ◽

Nursing Care ◽

Direct Contact ◽

Descriptive Study ◽

Structured Interview ◽

Qualitative Approach ◽

Patient Relationship ◽

The Subject ◽

The City

RESUMOObjetivo: Identificar o significado para o enfermeiro em prestar cuidados para pacientes com Depressão. Materiais e métodos: Estudo exploratório e descritivo com abordagem qualitativa, a amostra foi de 12 enfermeiras, o cenário de estudo foram Unidades Básicas de Saúde e Estratégias de Saúde da Família, urbanas da cidade de Itajubá-MG. A coleta de dados foi por meio do roteiro de entrevista semiestruturada composta por questionário contendo uma pergunta inerente ao assunto. Resultados: Encontramos oito categorias como estigma da depressão, suicídio, dificuldade em lidar, tempo escasso, envolvimento familiar, aceitação da doença, acolhimento e dar medicamento, de acordo com os discursos dos sujeitos coletados na entrevista. Conclusão: Os enfermeiros não estão em contato direto com portadores de depressão no seu trabalho, não entendem que é sua tarefa identificar e encaminha-los para tratamento especializado. Sugerimos que outros estudos sejam desenvolvidos sobre essa temática.Palavras-chave: Depressão. Relação Enfermeiro-Paciente. Assistência de Enfermagem. ABSTRACTObjective: To identify the meaning for nurses when providing care for patients with depression. Materials and Methods: exploratory and descriptive study with qualitative approach, the sample consisted of 12 nurses, the study scenario was the urban Unidades Básicas de Saúde e Estrategia de Saúde da Família, in the city of Itajubá. Data collection was done through semi-structured interview guides consisting of a questionnaire containing a question related to the subject. Results and Discussion: we found eight categories as stigma of depression, suicide, coping difficulties, scarce time, family involvement, acceptance of the disease, host and give medicine, according to the speeches of the subjects collected in the interview. Conclusion: nurses are not in direct contact with individuals with depression in their work, do not understand that it is their job to identify and refer them to specialized treatment. We suggest that other studies be developed on this theme.Keywords: Depression, Nurse-patient Relationship, Nursing care.

The Performance Of The National Narcotics Agency In Illegal Drugs Prevention Efforts Of Palu City, Central Sulawesi, Indonesia

Journal of Public Administration and Government ◽

10.22487/jpag.v2i1.24 ◽

2020 ◽

Vol 2 (1) ◽

pp. 1-7

Author(s):

Andi Pasinringi

Keyword(s):

Data Collection ◽

Service Quality ◽

Qualitative Approach ◽

City Government ◽

Performance Theory ◽

Illegal Drugs ◽

Five Dimensions ◽

Public Bureaucracy ◽

Central Sulawesi ◽

Drug Free

This study aims to determine the performance of Badan Narkotika Nasional or the National Narcotics Agency of Palu in the narcotics prevention efforts, determined by the support of the main tasks and functions of the National Narcotics Agency Office of Palu. The theory used to assess performance is with five dimensions of theory to measure the performance of public bureaucracy which are Productivity, Service Quality, Responsiveness, Responsibility, and Accountability as proposed by Agus Dwiyanto (2002). This research utilized descriptive-qualitative approach. Data collection techniques used are but not limited to: Observation, Interview, and Documentation. Informants in this study are determined purposively. The results of the study revealed that based on the five dimensions of performance theory from Agus Dwiyanto, it can be concluded that the performance of the National Narcotics Agency of Palu is not insufficient. Thus, the vision proclaimed by the Palu City Government which was the Realization of Government and Community Synergy Towards Drug-Free Palu City in 2015, was not achieved