UPAYA PENYELESAIAN KREDIT BERMASALAH PADA LEMBAGA PERBANKAN

2019 ◽  
Vol 27 (3) ◽  
pp. 1201
Author(s):  
Muhammad Yasid ◽  
Risha Ramayanti

Impaired credit can cause the disturbance of the continuity of business activities circulation in a Bank and in the end it can cause the disturbance of banking financial liquidity. When a Bank liquidity decreases, it can decrease its credibility level that it can affect people/customer/investor’s trust who will invest in the Bank. Based on this background, the researchers were interested in the problem that encouraged them to do a research entitled “The Efforts on the Recovery of Loss Credit in Banking Institution” This research applied Constructivism Paradigm with descriptive and prescriptive as the nature. The source of data was library study. The data analysis method used by the researchers was descriptive qualitative. The results of the study showed that  in the efforts of the recovery of loss credit, there were three (3) main activities done: through the parties’ agreement as the best way for both parties to recover it, the saving of the loss credit and/or the recovery through legal way. The purpose of recovering the loss credit was to save the bank funds invested in the form of loss credit by paying attention to the debtor’s business condition which still had good prospect. It was hoped that the saving could recover the quality of the credit from “loss” collectability to “doubtful”. From “doubtful” to “bad” , from ‘substandard” to “pass”.  

2020 ◽  
Vol 4 (3) ◽  
pp. 400
Author(s):  
Rohanah Rohanah ◽  
Intan Rahmawati ◽  
Ferina Agustini

Constraints to the implementation of character development through scout extracurricular activities have caused many students in the alert and mobilizing groups to focus more on the game than the material and there are still students who do not obey the scouting activity regulations. The purpose of this research was to analyze the implementation of character planting in students through scout extracurricular activities. This research was using a descriptive qualitative research. The population in this research was all students of SDN Tlogosari Kulon 06 Semarang, totaling 91 students. The validity of the data was obtained through two triangulations, namely technical triangulation and source triangulation. Collecting data through observation, interviews, and notes in the field. Tringulation technique for testing data creation. The data analysis method used was qualitative analysis method. The results of the analysis showed that the activities carried out during extracurricular scouting have implemented the planting of the five attitudes that need to be achieved by students. The students' religious, integrity, and nationalist attitudes are good, even though the implementation of the overall attitude has been carried out evenly, students still need an emphasis on independence and mutual cooperation. Most students still object to being made into a team with friends from other classes, they do not yet have the independence to go and use complete attributes when scouting extracurricular activities without having to be ordered and warned repeatedly by class teachers and coaches.


2020 ◽  
Vol 5 (1) ◽  
pp. 14-20
Author(s):  
Deddy Mursanto ◽  
La Ode Muhammad Karim ◽  
Mashendra Mashendra

Corruption is an act that can harm State finances and cause losses to the people's economy. This study aims to determine the arrangement of the burden of proof reversals system of corruption according to the applicable provisions and the proper regulation in implementing the system of reversing the burden of proof to be done optimally. This study uses a normative juridical research methodology with a statute approach. This research's data analysis method is descriptive qualitative by describing the problems and facts in writing from the literature. The study indicates that the burden of proof reversal system concerning the Eradication of Corruption Crimes contained in Law no. 20 of 2001 is limited only to the offense of gratification regulated in Article 12 B paragraph (1) letter a. The withdrawal presumption proof can also be extended to the defendant's property, which is claimed to be connected to the accused's case (Article 37 A) and the property of the defendant (who has not been charged) which is not accused of corruption as a result of a criminal act (Article 38 B). Reversal of the burden of proof in the law of corruption is a reversal of the burden of proof impartial public prosecutor and the defendant alike must prove but / the same element proved different.


2019 ◽  
Vol 12 (2) ◽  
pp. 154
Author(s):  
Kartika Bintari ◽  
Sumarlam Sumarlam

Exocentric Phrase Forming Elements in Hikayat Hang Tuah. The purpose of this study was to describe the exocentric phrase forming elements in Hikayat Hang Tuah. This type of research is descriptive qualitative with the object of research in the form of phrases in Hikayat Hang Tuah. The data in this study are sentences containing exocentric phrases from data sources in the form of Hikayat Hang Tuah book documents. Observation techniques are used in data collection techniques, while the data analysis method in this study is the agih method with techniques for direct elements as a basic technique and advanced techniques in the form of sloping techniques. In Hikayat Hang Tuah there are three types of exocentric phrases (1) exocentric phrases directive with phrase-forming elements in the form of prepositions+nouns; (2) nondirective exocentric phrases with phrase-forming elements, namely particles/designations +adjectives and particles/word designations+nouns; and (3) connective exocentric phrases which form the phrase in the form of conjunctions+verbs. The diversity of linguistic elements in Hikayat Hang Tuah shows the manifestation of literary works as a manifestation of the richness of language.


2016 ◽  
Vol 15 (2) ◽  
pp. 110 ◽  
Author(s):  
Mochamad Ighfir Sukardi ◽  
Rawuh Yuda Yuwana ◽  
Sumarlam Sumarlam

The purposes of this research are (1) to describe the deviation of meaning in Cak Lontong’s humor materials (2) to describe the changing of constituent in Cak Lontong’s humor materials. This research is a descriptive-qualitative research. Listening method is used as the  data collecting technique, using technique of tap and write. The data analysis method is the reference equalization, using comparative technique to support codification, reduction, presentation, and interpretation. The results of this research are: Cak Lontong exploits gaps and possibilities of new meanings that can be used in words; Cak Lontong deviates meanings by establishing the second meaning as an effort to give surprise to his listeners; and Cak Lontong exploits figurative words of homonymy, e.g. “mengarungi” and “ngurusi” to play the meanings that are conveyed in using the language. The power of Cak Lontong’s humor is in the sensitivity in finding gaps of words, then presenting them by trapping listener’s interpretation to the unintended meanings. A changing constituent occurs to function of process to be participant, participant to participant, participant to circumstances, and circumstances to circumstances. It changes meanings and interpretations of a same word.


2018 ◽  
Vol 12 (1) ◽  
pp. 54-71
Author(s):  
Badawi Badawi ◽  
Leisy Leisy

The aim of study was to determine and analyze the influence of the quality of work life to the commitment of lecturer organization at Muhammadiyah University of Cirebon. The data of this research were obtained from the questionnaire (primary) which was disseminated on the lecturers of Universitas Muhammadiyah Cirebon as many as 51 samples from the population of 257 people. Data analysis method used in this research using simple regression showed that influenced significantly and positively because Fhitung 25.819 bigger than value Ftabel 3.18 and value of Adjusted R Square equal to3.32 or 33.2% which indicate influence of quality of work life to organizational commitment. This shows that there are still 66.8% factors or other variables that affect the organization's commitment. Inadequate and fair reward indicators are the most influential factors on organizational commitment.


2018 ◽  
Vol 5 (2) ◽  
pp. 76
Author(s):  
Risang Pujiyanto ◽  
Sonny Taufan ◽  
Netti Iriyanti

Procurement of Civil Servants (PNS) which is not in accordance with the legislations and the general principles of good governance have the potential to become State Administration disputes. One of the examples is a civil servant procurement dispute in Dompu District in 2014 where the Judges decided to reject the plaintiffs claim by considering the�Contrario Actus�Principle. This research was a normative research by using a statute�and case approach. The legal materials used in this research were primary and secondary legal materials. Moreover, the data analysis method used was descriptive qualitative. The results showed that in the Civil Servant Procurement Dispute in Dompu District in 2014, the Judges of Mataram Administrative Court judged that the Dompu District Head, in terms of authority and procedure, did not violate the laws and the general principles of good governance. Moreover, in terms of substance, the Judges considered that the Dompu District Heads decision was in accordance with the�Contrario Actus�Principle. By looking at the�decidende�ratio and Law Number 30 of 2014 concerning Government Administration, the limits on the implementation of the�Contrario Actus�principle in the procurement of Civil Servants are; 1) The withdrawn KTUN is a bound KTUN, 2) The withdrawn KTUN has a defective authority, 3) The withdrawn KTUN has a defective procedure, and/or 4) The withdrawn KTUN has a defective substance which is caused by fraud, coercion, bribe, or error.Pengadaan Pegawai Negeri Sipil (PNS) yang tidak sesuai dengan peraturan perundang-undangan dan Asas-Asas Umum Pemerintahan Yang Baik berpotensi menjadi sengketa Tata Usaha Negara. Salah satu contohnya adalah sengketa pengadaan PNS di Kabupaten Dompu Tahun 2014 dimana Majelis Hakim memutuskan menolak gugatan penggugat dengan pertimbangan Asas�Contrario Actus. Penelitian ini merupakan penelitian normatif dengan menggunakan pendekatan undang-undang dan pendekatan kasus. Bahan hukum yang digunakan adalah bahan hukum dan bahan hukum sekunder. Metode analisis data yang digunakan adalah deskriptif kualitatif. Hasil penelitian menunjukkan bahwa dalam sengketa Tata Usaha Negara pengadaan PNS Kabupaten Dompu Tahun 2014, Majelis Hakim PTUN Mataram menilai secara kewenangan dan prosedur Bupati Dompu selaku tergugat tidak melanggar peraturan-perundang-undangan dan Asas-Asas Umum Pemerintahan Yang Baik. Sementara secara substansi, Majelis Hakim menilai keputusan Bupati Dompu sudah sesuai dengan Asas�Contrario Actus. Dengan melihat ratio decidende dan ketentuan Undang-Undang Nomor No. 30 Tahun 2014 Tentang Administrasi Pemerintahan maka batasan penggunaan asas Contrario Actus dalam pengadaan PNS adalah 1) KTUN yang dicabut merupakan KTUN yang bersifat terikat, 2) KTUN yang dicabut terdapat cacat wewenang, 3) KTUN yang dicabut terdapat cacat prosedur, dan/atau 4) KTUN yang dicabut terdapat cacat


2019 ◽  
Vol 6 (01) ◽  
Author(s):  
Nadhila Ghassani

This research aims to analyze the factors that influence of taxpayers awareness, qualityof services, tax knowledge, tax sanctions of taxpayers compliance. The sample of thisresearch are individual taxpayers that taken randomly in Mataram City. This researchis also using tax sanctions as a moderating variable.  The respondents from thisresearch are 150 respondents. Data analysis method that used in this research areModerated Regression Analysis (MRA) and performed using SPSS for Windows.Theresults of this research indicated that awareness of taxpayers, quality of services, taxknowledge have a positive and significant influence of taxpayers compliance. Taxsanctions variable as a pure moderator that strenghten the relationship betweendependent variable and independent variables.Keyword: Taxpayers Awareness, Quality of services, Tax knowledge, Tax sanctions,Taxpayers compliance


2020 ◽  
Vol 30 (5) ◽  
pp. 1183
Author(s):  
I Putu Ardhian Janu Mahendra ◽  
I Ketut Budiartha

This study aims to determine the effect of e-filling forwarding, quality, taxpayer awareness, and tax sanctions on individual taxpayer compliance at East Denpasar KPP. The data analysis method used is multiple linear regression. The results of this study indicate that the good application of e-filling, quality of service, awareness of taxpayers, and tax penalties have a significant effect on the compliance of individual taxpayers who are registered at the East Denpasar KPP. This research can be used as a motivation for KPT Prtama East Denpasar to be able to maintain good service quality for the satisfaction and comfort of taxpayers to carry out their tax obligations. Keywords: Application of E-Filing; Service Quality; Taxpayer Awareness; Tax Sanctions; Obedience.


2019 ◽  
Vol 6 (01) ◽  
Author(s):  
Nadhila Ghassani

This research aims to analyze the factors that influence of taxpayers awareness, qualityof services, tax knowledge, tax sanctions of taxpayers compliance. The sample of thisresearch are individual taxpayers that taken randomly in Mataram City. This researchis also using tax sanctions as a moderating variable.  The respondents from thisresearch are 150 respondents. Data analysis method that used in this research areModerated Regression Analysis (MRA) and performed using SPSS for Windows.Theresults of this research indicated that awareness of taxpayers, quality of services, taxknowledge have a positive and significant influence of taxpayers compliance. Taxsanctions variable as a pure moderator that strenghten the relationship betweendependent variable and independent variables.Keyword: Taxpayers Awareness, Quality of services, Tax knowledge, Tax sanctions,Taxpayers compliance


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