scholarly journals ANALISIS PENYELESAIAN KREDIT BERMASALAH PADA BANK BNI 46 CABANG POLEWALI MANDAR

2021 ◽  
Vol 3 (2) ◽  
pp. 63-67
Author(s):  
Syarief Rahman Tasman ◽  
Zulkifli Makkawawu ◽  
Yulia A. Hasan
Keyword(s):  
Data Analysis ◽  
External Factors ◽  
Analysis Method ◽  
Working Capital ◽  
Internal Factors ◽  
Background Checks ◽  
Commercial Use ◽  
Warning Letter ◽  
Credit Agreement ◽  
Descriptive Method

Tujuan Penelitian ini adalah untuk mengetahui cara penyelesaian kredit bermasalah di Bank BNI 46 Cabang Polewali Mandar. Metode yang digunakan untuk penelitian ini adalah metode deskriptif yaitu dengan menguraikan data secara sistematis dari fakta-fakta yang didapat kemudian dihubungkan dengan prosedur penyelesaian kredit bermasalah pada Bank BNI 46 Cabang Polewali Mandar. Terjadinya Kredit bermasalah di Bank BNI 46 disebabkan oleh faktor intern yaitu pejabat kredit mudah dipengaruhi atau dipaksa oleh calon nasabah, kurangnya pemahaman terhadap kebutuhan keuangan yang sebenarnya dari calon nasabah dan manfaat kredit yang diberikan seperti kredit modal kerja digunakan untuk komsumtif, kurangnya pengecekan latar belakang calon nasabah dan juga disebabkan oleh faktor ektern yaitu karena merosotnya perekonomian debitur, terjadinya PHK mendadak ditempat kerja debitur, penurunan omset usaha debitur, dan Upaya penyelesaian Kredit bermasalah yang disebabkan oleh Faktor Intern dilakukan dengan peringatan tertulis dalam bentuk Surat Peringatan (SP), mutasi dan penurunan jabatan, serta upaya penyelesaian Kredit bermasalah yang disebabkan oleh faktor ekstern dilakukan dengan mengirim Surat Peringatan SP I sampai SP 3 melakukan penangihan kepada pihak yang ikut serta menandatangani perjanjian kredit dan terakhir melakukan penarikan dan pelelangan agunan. The purpose of this study was to determine what to find out how to solve problem loans at Bank BNI 46 Polewali Mandar Branch. The data analysis method for this research is descriptive method, namely by describing the data systematically from the facts which can then be linked to the procedure for solving problem loans at Bank BNI 46 Polewali Mandar Branch. The occurrence of non-performing loans at Bank BNI 46 is caused by internal factors, namely credit officials who are easily influenced or forced by prospective customers, a lack of understanding of the actual financial needs of the prospective customer and the benefits of loans such as working capital loans used for commercial use, lack of background checks on candidates customers and also caused by external factors, namely due to the decline in the debtor's economy, sudden layoffs at the debtor's workplace, a decrease in the debtor's business onset, and efforts to resolve problem loans caused by Internal Factors are carried out with written warnings in the form of Warning Letters (SP), mutations and decreases position, as well as efforts to resolve non-performing loans caused by external factors are carried out by sending a warning letter from SP I to SP 3 for invoicing the parties participating in signing the credit agreement and finally making a withdrawal and auction of collateral.

scholarly journals PEMANFAATAN KOLEKSI KHUSUS BUNG HATTA DI UPT PERPUSTAKAAN PROKLAMATOR BUNG HATTA BUKITTINGGI

2021 ◽  
Vol 8 (1) ◽  
pp. 1-15
Author(s):  
Afifah Pebriany ◽  
Malta Nelisa
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Research Method ◽  
Quantitative Research ◽  
External Factors ◽  
Sampling Techniques ◽  
Internal Factors ◽  
Percentage Distribution ◽  
Special Collection ◽  
Descriptive Method

This research aims to describe; (1) internal factors, and (2) external factors that influence the participants in utilizing the special collection of Bung Hatta in the Upt Library Proclamation Bung Hatta Bukittinggi. This type of research is quantitative research, the research method used is a descriptive method. The location of this research was carried out at upt Library Proclamation Bung Hatta Bukittinggi Research object is a 19-year-old who has visited bung hatta special collection service of 36 respondents. Data collection conducted by disseminating questionnaires directly to the UPT library of Bung Hatta Bukittinggi Proclamation Library using incidental sampling techniques. The data analysis used is a quantitative deksriptive analysis presented in the form of a frequency and percentage distribution table.

ANALISIS WACANA PADA BERITA NONTON FILM SAKINAH, MAHASISWA UIN YOGYAKARTA BERI PUJIAN (ANALISIS MIKROSTRUKTURAL)

2019 ◽  
Vol 7 (4) ◽  
pp. 57
Author(s):  
Resdianto Permata Raharjo ◽  
Maranita Anjarsari
Keyword(s):  
Data Analysis ◽  
Online News ◽  
Analysis Method ◽  
Literature Study ◽  
Lexical Cohesion ◽  
News Discourse ◽  
Qualitative Descriptive ◽  
Descriptive Approach ◽  
Method Analysis ◽  
Descriptive Method

This study aims to describe 1) the form of cohesion contained in the news Watching Sakinah Movies, UIN Yogyakarta Give Praise Students and 2) describing the forms of coherence contained in the news Watching Sakinah Film, Students of UIN Yogyakarta Give Praise. The subjects used in this study were news of watching Sakinah film, UIN Yogyakarta students giving praise, and the objects used were sentences containing grammatical cohesion, a form of lexical cohesion. The approach used in this study is a qualitative descriptive approach. The data in this study are sentences in the news of Watching Sakinah Movies, This student is a method of literature study. While the method of data analysis in this study is descriptive method analysis method, the method used to analyze and describe cohesion markers and analyze markers of coherence. Test The results of the study show that in the news of watching Sakinah films, UIN Yogyakarta Beri Pujian students have varied markers of cohesion and coherence in the Tebuireng Online news discourse. Cohesion markers were found to reference (3), substitution (1), ellipsis (2), conjunction (3), collocation (1), and markers of coherence found cause-effect relationships (2), relationship coherence suggestions — goals (1), coherence temporal relations (1), and coherence of causal relationships (1).

Mangrove Tourism Development Strategy for the Prosperous Village on Baai Island, Bengkulu City

2021 ◽  
Vol 2 (3) ◽  
Author(s):  
Anggie Aditya Heriyanto ◽  
Sri Handayani ◽  
Mimi Kurnia Nengsih
Keyword(s):  
Development Strategy ◽  
Swot Analysis ◽  
External Factor ◽  
External Factors ◽  
Mangrove Forests ◽  
Analysis Method ◽  
Internal Factor ◽  
Internal Factors ◽  
Swot Matrix ◽  
Questionnaire Method

The aim of being able to see what development strategies are suitable for mangrove tourism in Kampung Sejahtera on Baai Island, Bengkulu City. The research objective was to see the strategy for developing mangrove tourism in Kampung Sejahtera on Baai Island, Bengkulu City with a SWOT analysis. The data collection used was a questionnaire method with a list of questions to the respondents. The analysis method used is a SWOT analysis to see internal factors and external factors, which will then be entered into the SWOT matrix. The research results obtained from the analysis of internal factors and external factors. The result of the internal factor is a strength (strength) of 2.75 while the weakness (weakness) is 1.46, so the value of the internal factor is 2.75-1.46 = 1.29 while from the external factor the opportunity (opportunity) is 2 , 52 and for the threat (threat) is 1.58, the value of the external factor is 2.52-1.58 = 0.94. Based on the analysis diagram, the SWOT strategy is in the Cell (quadrant) I position. This shows that the SO strategy in the SWOT matrix is an aggressive strategy. This strategy explains that Kampung Sejahtera mangrove tourism can take advantage of the surrounding environment. The environment around mangrove tourism is still natural so that it is very likely for the community to add stages such as trading, opening food stalls, and lodging businesses around the mangrove tourism of Kampung Sejahtera on Baai Island, Bengkulu City, and Utilizing mangrove forests so as not to abrasion around mangrove tourism Kampung Sejahtera on Baai Island, Bengkulu City, which makes the tourist area safe and tourists who visit are comfortable and not worried about abrasion

scholarly journals A Critical Analysis of Prophetic Narrations Mentioned in KAFA JAKIM’s‘Aqīdah Textbooks

2018 ◽  
pp. 1264-1271
Author(s):  
Abdul Latef bin Alhadri ◽  
Muhamad Rozaimi bin Ramle
Keyword(s):  
Qualitative Research ◽  
Data Analysis ◽  
Critical Analysis ◽  
Analysis Method ◽  
Data Analysis Method ◽  
The Status ◽  
Descriptive Method

The introduction of Quranic and Fardhu Ain courses (Kelas Al-Quran dan Fardhu Ain (KAFA) by the Department of Islamic Development Malaysia (Jabatan Kemajuan Islam Malaysia (JAKIM) is an effort to produce a generation that is moulded by the teachings of Al-Quran and Al-Sunnah. However, there are specific ḥadīths quoted in the textbook that require further attentive verification. This study seeks to verify the status of the ḥadīth mentioned in the ‘Aqīdah textbook in the eyes of the Ahlussunnah Wal Jama’ah scholars. This is because ‘Aqīda his the most important subject in Islamic studies.This research is a qualitative research which uses data analysis method, where allthe data and information obtained will be analysed using descriptive method. The method of takhrijal-ḥādīth will be applied to verify the status of the ḥadīths. This study reveals that there are six ḥadīths mentioned in the ‘Aqīdah textbook and the status of 3 of them are problematic. The origin of one of these ḥadīths isunknown while two of them are not properly narrated. This study also suggests the establishment of a committee or panel that is comprised of ḥadīth scholars/experts from the local universities in order to makesureall ḥādīths mentioned in the textbooks would adhere to the prescribed standards.

scholarly journals Pergeseran Nilai Tradisi Wiwitan di Desa Mangunan Kecamatan Dlingo Kabupaten Bantul Yogyakarta Tahun 2010-2019

2021 ◽  
Vol 2 (2) ◽  
pp. 51-57
Author(s):  
Yenny Ristiantie
Keyword(s):  
Qualitative Research ◽  
Data Analysis ◽  
Data Collection ◽  
Data Reduction ◽  
External Factors ◽  
Religion And Spirituality ◽  
Internal Factors ◽  
Data Presentation ◽  
Analysis Technique ◽  
Collection Data

This study aims to provide information about the history, processions and shifting values that occur in the Wiwitan Tradition in Mangunan, Dlingo, Bnatul, Yogyakarta and the factors behind it. This study used qualitative research methods. Data collection techniques with observation, interviews and documentation. The data analysis technique used was data collection, data reduction, data presentation and conclusion drawing. The results of this research is that the history Wiwitan Tradition which going on for hundreds of years. The stages in the Wiwitan Tradition are the stages of preparation and implementation. The form of a shift in the value of the Wiwitan Tradition is in the form of shift in value in terms of economy, social, tourism, religion and spirituality. The shift in value that occurs is caused by external factors and internal factors.

Project Management Pattern Selection of Post-Disaster Reconstruction Projects Based on Multi-Dimensions Perspective

2014 ◽  
Vol 501-504 ◽  
pp. 2659-2663
Author(s):  
Xin Li Zhang ◽  
Li Min Jia ◽  
Jie Li
Keyword(s):  
Project Management ◽  
External Factors ◽  
Pattern Selection ◽  
Analysis Method ◽  
Internal Factors ◽  
Management Pattern ◽  
Analysis Process ◽  
Reconstruction Project ◽  
Post Disaster ◽  
Selection Of

This study selects nine indicators impacting on project management pattern selection of post-disaster reconstruction projects. Questionnaire investigation is carried out based on the nine indicators and the needed data for this study is collected. Using factor analysis method, the nine indicators are classified into three main dimensions, which are internal factors, external factors and project goals. Correlation analysis between three main dimensions and six project management patterns is conducted to find the key dimension affecting each management pattern selection. According to the above analysis process, this study provides a selection flowchart of post-disaster reconstruction project management pattern, which may provide a new way for post-disaster reconstruction project pattern selection.

scholarly journals Analisis Strategi Pemasaran untuk Meningkatkan Pendapatan UMKM

2021 ◽  
Vol 13 (1) ◽  
pp. 60-72
Author(s):  
Ery Suryanti ◽  
Hendra Lesmana ◽  
Husni Mubarok
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Marketing Strategy ◽  
Swot Analysis ◽  
Descriptive Analysis ◽  
External Factors ◽  
Internal Factors ◽  
Analysis Techniques ◽  
The Many ◽  
To Receive

Marketing is an activity in which a business actor offers his product to consumers in order to receive the product with all ideas and ideas so that the product can be sought after by consumers. Marketing is an important element that must be considered so that it is in line with expectations, which is to get the expected consumers. Various types of MSMEs that stand and various types of products offered from all that exist are almost the same because MSME products are easy to make with materials that are not so expensive. Of the many types of products that exist MSMEs need more creative innovation so consumers can be interested because there are types of products that are almost every day the same so here it is necessary to have the courage to create products that cannot be competed. Using a SWOT analysis can find out how the marketing strategy is right on target. Includes internal factors, namely strengths and weaknesses and external factors, namely opportunities and threats that are owned by MSMEs. As well as knowing the objectives of the marketing strategy used so that it can increase revenue with many consumers interested in the product being sold. Data collection techniques through documentation, interviews and observations. Data analysis techniques used research documentation and descriptive analysis.

scholarly journals ANALYSIS OF SWEET BREEDING VALUE ADDED

2019 ◽  
Vol 3 (1) ◽  
pp. 76-88
Author(s):  
Anggi Rusita
Keyword(s):  
Data Analysis ◽  
Research Method ◽  
Value Added ◽  
Secondary Data ◽  
External Factors ◽  
Added Value ◽  
Breeding Value ◽  
Efficiency Gains ◽  
Internal And External Factors ◽  
Descriptive Method

The aim of the study was to find out the benefits obtained from processed starfruit sweets, to know the efficiency of the starfruit candied processing business, and the added value obtained from starfruit candied processing at UD. Cemarasari. The research method used is descriptive method, the type of data uses primary and secondary data. The type of data analysis used is income, efficiency gains, profitability and added value. Where in the end the results were in the form of profits of candied starfruit business in the amount of Rp.137,165.55. R / C is 1.58, with a profitability value of 57.67%, the value of high profitability is influenced by several factors, namely, internal and external factors. And added value of Rp. 12,146.

scholarly journals Meningkatkan Daya Saing Produk Perbankan melalui Analisis Lingkungan Strategis: Kasus Produk Kredit Pegawai BPR Bhakti Daya Ekonomi

Telaah Bisnis ◽  
2017 ◽  
Vol 17 (2) ◽  
Author(s):  
Kunto Ajibroto ◽  
Dematria Pringgabayu
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Research Method ◽  
New Products ◽  
External Factors ◽  
Civil Servants ◽  
Strategy Formulation ◽  
Diversification Strategy ◽  
Internal Factors ◽  
Fierce Competition

Abstract The purpose of this study is analyzing external factors and internal factors, so it will be possible to find out the most appropriate strategy formulation for BPR Bhakti Daya Ekonomi(BDE) in facing the increasingly fierce competition. The research method used is qualitative with data collection using interview and observation, while for data analysis using SWOT method which also use analysis of EFAS and IFAS. The results of this study indicate that the position of BPR BDE for Credit Employees products is located in quadrant IV. In this quadrant the bank is in a position where its internal advantage is relatively more dominant than its weakness. However, in facing of the environment, threat is relatively greater than the chances. This study recom­mend that BPR BDE should adopt a concentrated diversification strategy while still focusing on employee loans not only serving civil servants and TNI/POLRI, but adding new products that are credit products for private employees, which specifically target private employee markets, who already have a steady income.

scholarly journals THE STUDY OF BILINGUAL MILIEU TOWARD THE STUDENT’S SPEAKING PERFORMANCE AT MODERN BOARDING SCHOOL

2021 ◽  
pp. 45-52
Author(s):  
Muchsonny Muchsonny ◽  
Faisal Rahman ◽  
Rizky Hidayatullah
Keyword(s):  
Qualitative Research ◽  
Data Analysis ◽  
Foreign Language ◽  
Research Method ◽  
Boarding School ◽  
Special Program ◽  
Analysis Method ◽  
Student’S Performance ◽  
Speaking Performance ◽  
Descriptive Method

This research aims to analyze  bilingual milieu toward the student speaking performance  The research method uses  qualitative research  . The data collection techniques are used to obtain the data on  questionnaires response and interviews. The instruments in this research used questionnaires. The data analysis Method using descriptive method. This research is conducted by describing the results of observation and diagnostic of  the student’s  questioner and student’s activities.  This research conducted in Modern Islamic Boarding School because it gives special program to more develop English and Arabic,  one of primary program  to develop language with bilingual milieu. Because bilingual milieu make students habitually in speaking  foreign language. and bilingual milieu can improve the student’s performance   in speaking English

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