scholarly journals PERAN FINTECH DALAM MENINGKATKAN KEUANGAN INKLUSIF PADA UKM DI KABUPATEN PAMEKASAN

2021 ◽  
Vol 4 (2) ◽  
pp. 115-128
Author(s):  
Purwanto Purwanto ◽  
Ach Resa Rachrizi ◽  
Isnain Bustaram
Keyword(s):  
Human Resources ◽  
Data Reduction ◽  
Financial Inclusion ◽  
Data Presentation ◽  
Business People ◽  
Small And Medium Enterprise ◽  
Medium Enterprise ◽  
The Many ◽  
Insight Into ◽  
Financial Technology

Financial inclusion in  UMKM in the pamekasan district. In this study, researchers took 4 samples randomly, from cooperatives and small and medium enterprise offices. Analysis of the data used in this study was to use data reduction then data presentation and the last was conclusions. The results of the research were that of the four informants as a whole receiving well with the presence of fintech because fintech can facilitate transactions. Fintech also provides many benefits for UMKM as well as more benefits from UMKM. The more efficient and effective business activities that made applied fintech and the development of the era require businesses to use fintech. Of the many advantages of fintech, there were certainly disadvantages, one of which was when the financial technology was  problematic, it must be repaired and requires some time. Not only that, human resources that lack mastery of fintech made business people have to provide insight into fintech..

scholarly journals PAJAK E-COMMERCE DI KABUPATEN SUMENEP: APA KATA MEREKA?

2020 ◽  
Vol 10 (2) ◽  
pp. 159-172
Author(s):  
Imam Rofiqi ◽  
Moh. Faisol
Keyword(s):  
Qualitative Research ◽  
Data Reduction ◽  
Service Providers ◽  
The State ◽  
The Other ◽  
Data Presentation ◽  
Business People ◽  
Analysis Tools ◽  
Electronic Transactions ◽  
Laws And Regulations

Taxes were the main state of income that used as a tool to finance government activities. One of the means to increase revenue in this state is tax sector, DJP imposes taxes on electronic transactions (e-commerce). The problems from this situation of PMK have maked traders or service providers and marketplace platform providers have to cut taxes (PPN and PPnBM) on each transaction, thus making the transactions complicated, in fact the selling value of goods will be of high value with the imposition of the taxes. This qualitative research was conducted in Sumenep Regency by interviewing 13 informants; 1 academician and 12 business people and e-commerce users. The results of the interview our analyzed, the starting from data reduction, data presentation, and drawing conclusions that assisted by analysis tools of NVivo 12. The results of this research are (1) some taxpayers do not know PMK 210 regarding e-commerce tax. That matter because they have not gotten socialization and are not willing to seek information related the regulations; and (2) the existence of the e-commerce tax consider to be valid. Because taxes payment to the state will return to community, like as a infrastructure, and the other determined by laws and regulations.

scholarly journals Empowering the Human Resources (English Learning Strategy in Mangrove Batik Small and Medium Enterprise, Wonorejo- Surabaya)

2019 ◽  
Vol 21 (2) ◽  
pp. 163
Author(s):  
Elli Setiyo Wahyuni
Keyword(s):  
Human Resources ◽  
Future Development ◽  
Teaching And Learning ◽  
Learning Strategy ◽  
English Learning ◽  
Human Knowledge ◽  
Real Situation ◽  
Small And Medium Enterprise ◽  
Medium Enterprise ◽  
Contextual Teaching

Contextual teaching and Learning (CTL) is one of english learning strategy which is appropriate to all situation. The human resources in mangrove batik small and medium enterprise are given an english practice that is valuabe for the future development of human knowledge, organization, and product market. Mangrove batik is a unique product which should be promoted internationally. In order to improve the human resources, learning english in spoken form is very important to support the basic communication in real situation and the development of mangrove batik smalland medium enterprise production. Keywords: contextual teaching and learning;empowering the human resources;english practice; mangrove batik small and medium enterprise.

scholarly journals Financial Technology: Fragmented for Financial Inclusion?

2019 ◽  
Vol 8 (4) ◽  
pp. 2615-2620
Keyword(s):  
Mobile Phone ◽  
Financial Inclusion ◽  
Policy Recommendations ◽  
Technological Changes ◽  
Current State ◽  
Potential Benefits ◽  
The Many ◽  
Financial Technology

This study goals to discuss how the financial inclusion progress in Indonesia could be affected by the growing fintech industry. This research comprehensively discusses the current state of the platforms in the country, including the potential benefits and challenges. Such afflictions include the hugely-concentrated deposit market, to begin with, and the discrepancies between regulators and the technological changes, while the high internet and mobile phone penetration are only one of the many advantages the country endowed. The study also aims to highlight the challenges faced in increasing financial inclusion before the fintech platforms begin to flourish and how they differ to the current condition. The novelty and relevant policy recommendations also provided in the latter parts of the discussion.

scholarly journals FAKTOR-FAKTOR YANG MENGHAMBAT KINERJA PELAYANAN PUBLIK DI DINAS KEPENDUDUKAN DAN PENCATATAN SIPIL KOTA BATAM

Jurnal Niara ◽  
2017 ◽  
Vol 9 (2) ◽  
pp. 92-101
Author(s):  
Riko Riyanda
Keyword(s):  
Human Resources ◽  
Qualitative Approach ◽  
Online Data ◽  
Data Presentation ◽  
Selection Technique ◽  
The Public ◽  
Civil Registration ◽  
The Many ◽  
Online Data Base

Reforms will be able to meet the demands of the public, especially related to the improvement of the quality of public services, but it is still far from reality. Including services are provided by the Department of Population and Civil Registration Batam still not yet optimal. It is characterized by the many complaints from people who are not satisfied with the service that is given by the Department of Population and Civil Registration Batam.The approach used in this study is a qualitative approach. Type of research is descriptive.Methods of data collection is done by observation and documentation, informant selection technique is done by purposive sampling, data analysis performed by data reduction, data presentation and conclusion.The research found that investigators found the constraints of service in terms of Batam City Disdukcapil tangible, asurance and reability still not optimal. The cause is a factor of human resources and infrastructure, and systems that are not transparency. While the factors supporting online data base nationally integrated very helpful in order to avoid double data residence documents.

scholarly journals Implementation of work rotation model at YPDR Nursing Academy Jakarta

2020 ◽  
Vol 3 (1) ◽  
pp. 38-42
Author(s):  
Erialdy Erialdy ◽  
Sutarman Sutarman ◽  
Agus Iwan Mulyanto ◽  
Sugeng Lubar Prastowo
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Human Resources ◽  
Data Reduction ◽  
Work Performance ◽  
Data Presentation ◽  
Collection Data ◽  
Maximum Work ◽  
Performance Results ◽  
Rotation Model

Work rotation is an employment activity related to the process of transferring functions, responsibilities, and employee status, to obtain work satisfaction and increase maximum work performance. Work rotation functions for the development of human resources which are believed to provide many benefits to the organization. This study aims to determine organizational considerations in implementing employee work rotation activities so that a model will be created that will be used as the basis for employee rotation. This study uses descriptive qualitative methods, data analysis was carried out, using four stages, namely data collection, data reduction, data presentation, and drawing conclusions or verification. Testing the validity of the data using source triangulation techniques. The results of the study conclude that the work rotation model at the YPDR Nursing Academy Jakarta refers to tenure, appraisal work performance results, educational qualifications, skills, and experience and has considered aspects of planning, implementation, and evaluation, with the ultimate goal of optimizing performance institution.

scholarly journals PENTINGNYA SUPERVISI UNTUK PENGEMBANGAN STAFF DI MADRASYAH IBTIDAIYAH MUHAMMADIYYAH JUWIRAN KLATEN

2021 ◽  
Vol 17 (2) ◽  
pp. 19-26
Author(s):  
Meti Fatimah ◽  
Ainun Mardhiyah ◽  
Ismi Nur Azizah
Keyword(s):  
Data Analysis ◽  
Staff Development ◽  
Human Resources ◽  
Data Reduction ◽  
Professional Education ◽  
Quality Of Education ◽  
Data Presentation ◽  
Education Management ◽  
Education Personnel

The purpose of this study was to determine the importance of supervision of staff development at Madrasyah Ibtidayyah Muhammadiyah Juwiran Klaten. The type of research used is descriptive qualitative. With the method of collecting data through observation, interviews and documentation. While the data analysis activities are data reduction, data presentation, and drawing conclusions. The results of this study indicate that one way to develop human resources at Madrasyah Ibtidaiyyah Muhammadiyah Juwiran Klaten is by supervision, By improving the quality of education which must start from the aspect of teachers and other education personnel concerning the quality of their professionalism and welfare in a professional education management.

scholarly journals PERAN ULAMA SEBAGAI RESOLUSI KONFLIK CAROK DI DESA KALIBOTO KIDUL KECAMATAN JATIROTO LUMAJANG

2019 ◽  
Vol 5 (1) ◽  
pp. 1
Author(s):  
Abdul Ghofur
Keyword(s):  
Qualitative Research ◽  
Data Analysis ◽  
Criminal Law ◽  
Data Reduction ◽  
Self Esteem ◽  
Data Presentation ◽  
Analysis Techniques ◽  
Descriptive Approach ◽  
The Many

Violence cannot be separated from the role of humans as the perpetrators. One of the many cultural activities owned by Madurese tribe in Kaliboto Kidul, Jatiroto, Lumajang is carok, a deeply rooted culture that has become a tradition. Inspired by A Latief Wiyata's thoughts, the problem that will be raised in this research is how the role of local ulama to resolve such problem. This study employs qualitative research with a descriptive approach. Its orientation is to understand the meaning of the indications and phenomena that occur in Kaliboto Kidul, Jatiroto, Lumajang. In the process of retrieving data, researchers uses observation, interview and documentation techniques. Data analysis techniques used are data reduction, data presentation and conclusion drawing. The results of the study shows that carok in this area is described as an attempt to kill each other which is committed by men using sharp weapons in the form of celurit. The causing issues are self-esteem harassment, inheritance and revenge actions. Key words: Ulama, Carok, and Criminal Law

scholarly journals THE ANALYSIS OF STANDARD AGREEMENT IN CREDIT TRANSACTIONS THROUGH FINANCIAL TECHNOLOGY VIEWED FROM LAW NO. 8 OF 1999 CONCERNING CONSUMER PROTECTION

2019 ◽  
Vol 6 (1) ◽  
pp. 61
Author(s):  
Dwi Edi Wibowo Handriyanto Wijaya Liana Endah Susanti, Ratna Anggraini
Keyword(s):  
Risk Management ◽  
Human Resources ◽  
Consumer Protection ◽  
Rapid Development ◽  
Financial Sector ◽  
Financial Inclusion ◽  
The Other ◽  
Conceptual Approach ◽  
Mixed Approach ◽  
Financial Technology

The rapid development of technology including its use in financial sector has made the process of financial inclusion and literacy easier, especially for a country where its community does not have a high financial understanding. Unfortunately, the practice of Financial Technology (Fintech) which should have put forward Law No. 8 of 1999 concerning Consumer Protection is considered unfavorable for the community. Hence, this study intends to investigate several issues regarding financial technology (fintech) which include the implementation of standard agreement in credit transactions through fintech, the barriers that often occur in credit transactions through fintech, and the settlement of consumer protection disputes related to credit transactions through fintech. This study applied a normative juridical method with a mixed approach, namely statute approach and conceptual approach. The results revealed that standard agreements made unilaterally by creditors often contain standard clauses leading to customers� losses. In one hand, a weak regulation causes fintech users to get less legal umbrella. On the other hand, the creditors are legally innocent because they get the customers� agreement in the standard agreement. Therefore, it can be concluded that there is a need to strengthen regulations relating to consumer service and protection against fintech transactions which include technology, operational security, human resources, and risk management.�Tujuan dari penelitian ini yaitu menjawab beberapa persoalan mengenai bagaimanakah pelaksanaan perjanjian baku dalam transaksi kredit melaui fintech, hambatan apa yang kerap terjadi dalam transaksi kredit melalu fintech dan bagaimanakah penyelesaian sengketa perlindungan konsumen terkait transaksi kredit melalui fintech. Metode penelitian yang digunakan adalah� yuridis normatif dan pendekatan campuran antara� statute approach dan conceptual approach dianggap selaras dengan tujuan dari kajian ini yaitu menjawab beberapa persoalan mengenai bagaimanakah pelaksanaan perjanjian baku dalam transaksi kredit melaui fintech, hambatan apa yang kerap terjadi dalam transaksi kredit melalu fintech dan bagaimanakah penyelesaian sengketa perlindungan konsumen terkait transaksi kredit melalui fintech. Hasil dari penelitian ini Teknologi �semakin berkembang dari tahun ke tahun, termasuk� pemanfaatanya di bidang finansial. Hal ini membuat proses inklusi dan literasi finansial menjadi lebih mudah, terutama untuk suatu negara yang belum tinggi pemahaman masyarakatnya terhadap finansial. Sayangnya Financial Technology (fintech) yang semestinya mengedepankan Undang-Undang No.8 Tahun 1999 tentang Perlindungan Konsumen belakangan ini justru dianggap sebaliknya. Perjanjian baku yang dibuat secara sepihak oleh kreditur kerap mengandung klausula-klausula baku yang mengarah pada kerugian yang menanti nasabah, terlebih dengan iming-iming instan yang disajikan penyedia jasa kredit melalui fintech dengan� mengedepankan slogan cepat dan mudah. Regulasi yang belum matang menyebabkan pengguna fintech kurang mendapat payung hukum, disisi lain pihak kreditur secara hukum tidak bersalah karena mendapat persetujuan nasabah dari perjanjian baku. Simpulan penelitian perlu adanya penguatan regulasi yang berkaitan dengan pelayanan dan perlindungan konsumen terhadap transaksi fintech mencakup pada teknologi, keamanan operasional, sumber daya manusia, serta pengelolaan dan� manajemen resiko.

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