scholarly journals PENERAPAN SPI–COSO ATAS PEMBERIAN KREDIT DANA BERGULIR KOTAKU

2019 ◽  
Vol 1 (2) ◽  
pp. 11
Author(s):  
Dheo Rimbano
Keyword(s):  
Internal Control ◽  
Financial Services ◽  
Qualitative Method ◽  
Cultural Anthropology ◽  
Community Empowerment ◽  
Internal Auditing ◽  
Accelerated Program ◽  
Poor Households ◽  
Research Goal ◽  
In The Beginning

“Kota Tanpa Kumuh” (KOTAKU) program is an advanced program of National Community Empowerment Program of Urban Mandiri that has accelerated program for handling urban slums and reducing poverty and so KOTAKU provides access to financial services for poor households by market – based micro loans with many activities which generate income that usually don’t have any access to other loan sources, to improve their economic conditions and activities those support economic growth and micro business , besides that teach them in managing loans and use it correctly.nevertheless, KOTAKU isn’t micro finance program, KOTAKU role only builds sustainable basic solutions for loan services and non – loan services at the “kelurahan” level. This research goal is to describe whether internal control system credit application applied to KOTAKU has been in accordance with the elements of internal control based on Committee Of Sponsoring Organizations (COSO). The method was used in this research is qualitative method, qualitative method is usually called as naturalistic research method because the research was conducted in the natural conditions, it’s also called as ethnography method, because in the beginning, this method is more widely used for research in cultural anthropology, it’s called as qualitative research because data have been collected and its analysis is more qualitative. The finding results is rolling loan lending system that is conducted by KOTAKU has completed internal controlling aspects based on COSO, except control activities components in the elements of separation of duties, namely lending isn’t separate from the loan inspection , and supervision component on the element of internal auditing that is internal which is not separate by LKM. And the recommendation can be given those are (1) giving and checking loans, and (2) internal auditing should be separated by LKM officer so that there is no collusion and irregulaties.

The Local Government of Kulon Progo Regency Innovation in Subduing Capitalism through Community Empowerment

2020 ◽  
Vol 4 (2) ◽  
pp. 229
Author(s):  
Muhammad Eko Atmojo ◽  
Helen Dian Fridayani
Keyword(s):  
Qualitative Method ◽  
Positive Impact ◽  
Community Empowerment ◽  
Case Study Approach ◽  
Study Approach ◽  
The Past ◽  
The People ◽  
District Government ◽  
The Government

Kulon Progo Regency is one of the districts that has many innovations, one of which is community empowerment in collaboration with a modern shop abbreviated as the shop name owned by the people (tomira). This research was motivated by the achievements of the Kulon Progo district government in carrying out development and innovation in the development of the Kulon Progo region by fully involving the Kulon Progo district community through community empowerment. This initiative was taken by the government of Kulon Progo Regency to improve community empowerment and protect the people of Kulon Progo Regency from various economic threats. Considering that in the past few years many modern shops have mushroomed in each district/city, so this is what makes Kulon Progo Regency move quickly to empower the community by collaborating between MSMEs or cooperative with modern shops. This study uses a qualitative method which case study approach. With the empowerment that has been done, the original products of Kulon Progo Regency or local products can be traded in modern stores so that local products in Kulon Progo Regency can compete with national products in these modern stores. The existence of such cooperation will indirectly improve the image of Kulon Progo Regency and lift the original products of Kulon Progo Regency. The lifting of the original products of Kulon Progo Regency will have a positive impact on the community, where indirectly the economy of the community will increase so that there will be prosperity for the community. Kabupaten Kulon Progo adalah salah satu kabupaten yang memiliki banyak inovasi, salah satunya adalah pemberdayaan masyarakat bekerja sama dengan toko modern disingkat nama toko yang dimiliki oleh masyarakat (tomira). Penelitian ini dilatarbelakangi oleh pencapaian pemerintah kabupaten Kulon Progo dalam melakukan pengembangan dan inovasi dalam pengembangan wilayah Kulon Progo dengan melibatkan sepenuhnya masyarakat kabupaten Kulon Progo melalui pemberdayaan masyarakat. Inisiatif ini diambil oleh pemerintah Kabupaten Kulon Progo untuk meningkatkan pemberdayaan masyarakat dan melindungi masyarakat Kabupaten Kulon Progo dari berbagai ancaman ekonomi. Menimbang bahwa dalam beberapa tahun terakhir banyak toko-toko modern telah menjamur di setiap kabupaten/kota, jadi inilah yang membuat Kabupaten Kulon Progo bergerak cepat untuk memberdayakan masyarakat dengan berkolaborasi antara UMKM atau bekerjasama dengan toko-toko modern. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan studi kasus, dengan metode yang digunakan adalah dokumentasi. Dengan pemberdayaan yang telah dilakukan, produk asli Kabupaten Kulon Progo atau produk lokal dapat diperdagangkan di toko modern sehingga produk lokal di Kabupaten Kulon Progo dapat bersaing dengan produk nasional di toko modern ini. Adanya kerjasama tersebut secara tidak langsung akan meningkatkan citra Kabupaten Kulon Progo dan mengangkat produk asli Kabupaten Kulon Progo. Pencabutan produk asli Kabupaten Kulon Progo akan berdampak positif bagi masyarakat, di mana secara tidak langsung perekonomian masyarakat akan meningkat sehingga akan ada kesejahteraan bagi masyarakat.

scholarly journals Linguistik und Kulturanalyse – Ansichten eines symbiotischen Verhältnisses / Linguistics and cultural analysis – aspects of a symbiotic relationship

2006 ◽  
Vol 34 (1-2) ◽  
pp. 1-27 ◽  
Author(s):  
Susanne Günthner ◽  
Angelika Linke
Keyword(s):  
Cultural Anthropology ◽  
Cultural Practice ◽  
Cultural Analysis ◽  
Early 19Th Century ◽  
Language And Culture ◽  
Anthropological Linguistics ◽  
Interdisciplinary Field ◽  
Introductory Article ◽  
New Perspective ◽  
In The Beginning

AbstractThe present issue of „Zeitschrift für Germanistische Linguistik“ focuses on the relationship between language and culture on the one hand and linguistics and cultural analysis on the other hand.This introductory article unfolds some of the facets of these relationships in a programmatic way and outlines a concept of language which zooms in on the study of language as a cultural resource and communicating as a cultural practice. Besides discussing pertinent definitions of „culture“ by scholars of cultural anthropology, we shall examine possible impacts of these definitions on a cultural notion of language. Furthermore, we shall show affiliations to concepts of language and culture developed by Herder and Humboldt in the late 18th and early 19th century and reshaped by Cassirer in the beginning of the 20th century. The article will also look into recent developments inside and outside linguistics (especially Ethnography of Communication, Anthropological Linguistics and Interactional Sociology) to trace out grounds for a new perspective on linguistics as part of the interdisciplinary field of cultural studies.

PEMBERDAYAAN MASYARAKAT DESA HENDROSARI MELALUI PENGEMBANGAN DESA WISATA LONTAR SEWU

Publika ◽  
2021 ◽  
pp. 323-334
Author(s):  
Rani Wahyuningsih ◽  
Galih Wahyu Pradana
Keyword(s):  
Community Empowerment ◽  
The Public ◽  
Village Community ◽  
Tourism Sector ◽  
Qualitative Descriptive ◽  
Descriptive Approach ◽  
Tourist Village ◽  
The Government ◽  
In The Beginning ◽  
The Village

Sektor pariwisata yang saat ini sedang banyak diminati masyarakat adalah konsep pariwisata pedesaan, seperti desa wisata. Di Gresik sendiri terdapat banyak sekali wisata yang dikembangkan oleh Pemerintah melalui Badan Usaha Milik Desa atau BUMDes seperti Desa Wisata Lontar Sewu di Desa Hendrosari. Berawal dari potensi desa yang apabila dikembangkan secara optimal dapat meningkatkan pendapatan masyarakat sekitar sehingga mampu meningkatkan perekonomian masyakat Desa Hendrosari. Sebab itu perlu untuk dilakukan penelitian lebih jauh mengenai pentingnya pemberdayaan masyarakat. Sehingga penting untuk dilakukan pemberdayaan masyarakat dimana di Desa Hendrosari terdapat sumber daya alam yang mumpuni untuk dikelola sehingga jika dikelola lebih baik bisa untuk menambah pendapatan desa. Penelitian ini menggunakan pendekatan deskriptif kualitatif dengan fokus penelitian menggunakan teori Pemberdayaan Masyarakat oleh Tim Delivery (Totok Mardikanto, 2013: 125-127). Karena pada awalnya dahulu desa hendrosari terkenal dengan desa penghasil minuman fermentasi sehingga konotasi dari Desa Hendrosari lebih ke arah negatif. Sehingga dengan adanya program kerja tersebut mampu mengubah image masyarakat tentang desa tersebut menjadi desa wisata. Masyarakat Desa Hendrosari mempunyai peran penting untuk melestarikan dan mengembangkan potensi yang ada seperti sumber daya alam dan sumber daya manusia. Sehingga mereka memiliki peran penting dalam tindakan pengambilan keputusan, mempengaruhi serta memberi manfaat bagi kondisi lingkungan yang ada disekitar. Pengelolaan yang baik menghasilkan tempat wisata yang dikenal dengan nama lontar sewu. Dengan adanya tempat wisata baru tersebut menghasilkan banyak pemberdayaan masyarakat melalui pengembangan desa wisata lontar sewu. Kata kunci :Lontar Sewu, Desa Hendrosari, Desa Wisata, Pemberdayaan Masyarakat,   The tourism sector which is currently in great demand by the public is the concept of rural tourism, such as a tourist village. In Gresik itself, there are lots of tours developed by the Government through Village-Owned Enterprises or BUMDes such as Lontar Sewu Tourism Village in Hendrosari Village. Starting from the potential of the village which, if developed optimally, can increase the income of the surrounding community so as to improve the economy of the Hendrosari Village community. Therefore it is necessary to conduct further research on the importance of community empowerment. So it is important to do community empowerment where in Hendrosari Village there are natural resources that are qualified to be managed so that if they are managed better they can increase village income. This study used a qualitative descriptive approach with a research focus using the theory of community empowerment by the delivery team (Totok Mardikanto, 2013: 125-127). Because in the beginning, Hendrosari Village was known as a village that produced fermented drinks, so the connotation of Hendrosari Village was more negative. So that the existence of this work program is able to change the image of the community about the village into a tourist village. The Hendrosari Village community has an important role to play in preserving and developing existing potentials such as natural and human resources. So that they have an important role in decision-making actions, influence and benefit the surrounding environmental conditions. Good management produces a tourist spot known as lontar sewu. With this new tourist spot, it has resulted in a lot of community empowerment through the development of the Lontar Sewu tourism village. Keywords :Lontar Sewu, Hendrosari Village, Tourism Village, Community Empowerment

Pemberdayaan Masyarakat Pasca Kegiatan Ajudikasi di Desa Sumogawe Kecamatan Getasan Kabupaten Semarang

Tunas Agraria ◽  
2020 ◽  
Vol 3 (2) ◽  
pp. 20-39
Author(s):  
Agung Dini Riyadi ◽  
Nazir Salim ◽  
Mujiati Mujiati
Keyword(s):  
Dairy Cattle ◽  
Dairy Cow ◽  
Qualitative Method ◽  
Agrarian Reform ◽  
Community Empowerment ◽  
Business Sector ◽  
Observation Study ◽  
Village Community ◽  
Descriptive Approach

Abstract: Semarang Regency Land Office implemented community empowerment after asset legalization activities in 2009 in Sumogawe Village, namely by providing access to reforms aimed at increasing the potential of community businesses in Sumogawe Village to improve welfare. The purpose of this research is to find out the form of participation of the Semarang Regency Land Office, and the level of welfare after community empowerment in Sumogawe Village. This research uses a qualitative method with a descriptive approach, that is by describing as clearly as possible the implementation of community empowerment as an effort to improve the welfare of post-adjudication activities. Data is collected through observation, study of document, and interviews with people of the community. The results of this research are 1) the form of community empowerment in Sumogawe Village after the adjudication activity by providing access to capital to develop the dairy cattle dairy business, 2) the role of Semarang Regency Land Office, by mass land treaties, assisting access to business capital from banks, counseling and mentoring of dairy cattle businesses, and marketing of dairy cow products, 3) The enhancement welfare of Sumogawe Village community is marked by the increase of people's income from the business sector of dairy cow milk.Keyword: community welfare, community empowerment, agrarian reform, access reform. Intisari: Kantor Pertanahan Kabupaten Semarang melaksanakan pemberdayaan masyarakat pasca kegiatan legalisasi aset tahun 2009 di Desa Sumogawe yaitu dengan memberikan akses reform yang bertujuan untuk meningkatkan potensi usaha masyarakat yang ada di Desa Sumogawe sehingga dapat meningkatkan kesejahteraan. Tujuan penelitian ini adalah untuk mengetahui bentuk peran serta Kantor Pertanahan Kabupaten Semarang, serta tingkat kesejahteraan masyarakat pasca kegiatan dalam pemberdayaan masyarakat di Desa Sumogawe. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan deskriptif, yaitu dengan menggambarkan sejelas-jelasnya pelaksanaan pemberdayaan masyarakat sebagai upaya peningkatan kesejahteraan pasca kegiatan ajudikasi. Data dikumpulkan melalui observasi, studi dokumen, dan wawancara dengan narasumber. Hasil dari penelitian yaitu 1) bentuk pemberdayaan masyarakat yang ada di Desa Sumogawe pasca kegiatan ajudikasi yaitu dengan memberikan akses modal untuk mengembangkan usaha ternak susu sapi perah, 2) peran Kantor Pertanahan Kabupaten Semarang yaitu dengan pensertipikatan tanah massal, membantu akses modal usaha dari perbankan, penyuluhan dan pendampingan usaha ternak susu sapi perah, dan pemasaran produk olahan susu sapi perah, 3) meningkatnya kesejahteraan masyarakat Desa Sumogawe yang ditandai dengan meningkatnya pendapatan masyarakat dari sektor usaha susu sapi perah.Kata Kunci: kesejahteraan masyarakat, pemberdayaan masyarakat, reforma agraria, akses reform.

scholarly journals VISUALISASI PEREMPUAN PADA LUKISAN TRADISIONAL TIONGHOA DI INDONESIA (Analisis karya-karya seni lukis Lee Man Fong dan Chiang Yu Tie)

Panggung ◽  
2017 ◽  
Vol 27 (2) ◽  
Author(s):  
Ariesa Pandanwangi ◽  
Nuning Damayanti
Keyword(s):  
20Th Century ◽  
Visual Arts ◽  
Social Life ◽  
Research Method ◽  
Qualitative Method ◽  
The Social ◽  
In The Beginning ◽  
Social Area

ABSTRACT Both Lee Man Fong - a male painter - and Chiang Yu Tie - a female painter - are Chinese who migrated to Indonesia. In the beginning of the 20th century, Lee Man Fong lived in Bali while Chiang Yu Tie lived in Java. Many of their artworks were collected by the National Palace and many government officers. The questions of this research are visualization of the women as the object of paintings of both artists and gesture of the women in the paintings of both artists. The purpose of the research is to enrich the documentary infrastructure about women as object in the social area of visual arts which has not been studied much. The research method that will be used is qualitative method with purpose sampling. The result of the research will show that both artists are very familiar with a particular social life during their stay in a certain place, so that their perceptions are focused in excavating the women object in their artworks.Keywords: Chiang Yu Tie, Chinese, Lee Man Fong, Painting, Woman.ABSTRAK Lee Man Fong adalah pelukis laki-laki dan Chiang Yu Tie adalah pelukis perempuan. Keduanya adalah orang Tionghoa yang merantau ke Indonesia. Pada tahun 1900 an Lee Man Fong tinggal di Bali sedangkan Chiang Yu Tie tinggal di Jawa Barat. Karya keduanya banyak dikoleksi oleh Istana Negara juga oleh pejabat pemerintahan. Penelitian ini untuk mengetahui visualisasi perempuan yang dijadikan objek pada lukisan tradisional tionghoa dan gestur perempuan pada objek karya seni lukis kedua seniman tersebut. Tujuan penelitian ini adalah untuk melengkapi infrastruktur pendokumentasian tentang objek perempuan dalam medan sosial seni rupa yang belum banyak dibahas. Metode penelitian ini adalah metode kualitatif dengan purpose sampling. Hasil penelitian ini memperlihatkan bahwa kedua seniman tersebut sangat akrab dengan lingkungan sosial ketika mereka tinggal disuatu daerah, sehingga pengamatannya banyak di fokuskan pada penggalian objek perempuan dalam karya seni lukisnya.Kata kunci: Chiang Yu Tie, Lee Man Fong, Perempuan, Seni lukis, Tionghoa. 

scholarly journals Islamic Corporate Governance and Internal Control Influance on Fraud in Sharia Commercial Banks

2020 ◽  
Vol 1 (1) ◽  
pp. 28
Author(s):  
Mariyam Chairunisa
Keyword(s):  
Corporate Governance ◽  
Internal Control ◽  
Financial Services ◽  
Commercial Banks ◽  
Audit Committee ◽  
Supervisory Board ◽  
Negative Effect ◽  
Descriptive Approach ◽  
Quantitative Descriptive ◽  
Positive Effect

This study aims to examine impact of Islamic Corporate Governance and Internal Control on Fraud on sharia Commercial Bank in Indonesia. The unit analysis of this research is Sharia Commercial Banks in Indonesia which have been registered in the Financial Services Authority (OJK) period 2012 to 2017. This research was done to 11 Islamic commercial banks by using quantitative-descriptive approach. The results of this research showed that Sharia Supervisory Board and Internal Control have negative effect and unsignificant  on Fraud. However, Audit Committee has a positive effect and significant on fraud .

scholarly journals IDENTIFIKASI PENYEBAB TIDAK OPTIMALNYA PENANGANAN PEMBIAYAAN BERMASALAH DI KSPS BMT ABC CABANG PEMBANTU KLM-SURABAYA

2020 ◽  
Vol 6 (5) ◽  
pp. 913
Author(s):  
Martha Dyah Puspita ◽  
Dian Filianti
Keyword(s):  
Financial Services ◽  
Qualitative Method ◽  
Financial Institution ◽  
Study Strategy ◽  
Exploratory Case Study ◽  
Standard Operating ◽  
Two Factors ◽  
Research Interview ◽  
The Impact

Sharia Financial Services Cooperative (KJKS) is a form of cooperative whose business activities are engaged in financing, investment, and deposits in accordance sharia principles. in relation to financial services in the form of such financing, in this case the Sharia Financial Services Cooperative (KJKS) will be faced with several risks, among others, is the risk of default on financing channeled and the existence of fraud action (fraud) committedby the management of the financial institution. The object of this research is KSPS BMT ABC Branch KLM-Surabaya.on the object of the study found that the total gross NPF until December 2016 reached 81.84%, in addition to the impact of high levels of Gross NPF is a loss to be borne until December 2016 amounted to Rp 354.715.664. Based on the results of pre-research interview with Mr. Muhammad stated that the cause of the loss due to there are two factors namely the existence of fraud (misconduct) in the form of misuse of funds by former employees and handling financing problems that can be optimally 30% of total troubled financing. The purpose of this study is to determine the cause of the non-optimal handling of troubled financing. Things that need to be reviewed in the process of handling pembiyaan problem is based on the phenomenon that occurs in the object of research. This research uses qualitative method with exploratory case study strategy. The results of research conducted by the researchers found that KSPS BMT ABC Branch KLM-Surabaya Assistant has a concept of mixing handling of non-performing financing based on standard operating procedures with the handling of troubled financing based on kinship.Keywords: Troubled Financing, Troubled Financing Handling, Fraud

scholarly journals Religion and Economy: How the Act of Rational Economy Dominates Muslim Entrepreneurs

INFERENSI ◽  
2021 ◽  
Vol 15 (1) ◽  
pp. 71-90
Author(s):  
Dede Nurohman ◽  
Evi Muafiah
Keyword(s):  
Qualitative Method ◽  
Business Processes ◽  
Phenomenological Approach ◽  
Community Empowerment ◽  
Business Decisions ◽  
Rational Choices ◽  
Microfinance Institution ◽  
The Right ◽  
Economic Motives ◽  
Data Extracting

This research aimed to explore the motives that encouraged Muslim entrepreneurs to make business decisions in running businesses, and also to examined the effects of their religions as well as the business logics they used toward their trading behaviors. The subjects of this research were the Muslim entrepreneurs running the business of apparel convection in Botoran, Tulungagung. This research used qualitative method with phenomenological approach. The data extracting technique was conducted by documentation, observation, and interviews. The results showed that Muslim traders based their business behaviors on the consideration of rational choices. Such behaviors were manifested in the forms of: choosing to partition their houses as the place of production (home factory); choosing to procure capital through the Chinese; choosing temporary sewing workers; choosing to replace the procurement of computer embroidery machines; dun-dunan rego (decreasing the costs); nembak (lighting); and reluctant to establish a cooperative to accommodate them. Meanwhile, religion, morals, and other values are not considered by them in running their business. The implication of the findings is that religious and economic motives always appeared in a person's business processes. The dominance of one of them was determined by the environment and experience. Sharia financial institutions in the vicinity, such as Sharia Banks and BMT (Baitul Mal wa Tamwil, a sharia-based microfinance institution or cooperative), as well as Islamic organizations, with the right kinship approach, were required to be present to pay attention to business development and community empowerment.

IMPACTS OF FINANCIAL INCLUSION ON POVERTY AND INCOME INEQUALITY IN DEVELOPING ASIA

2021 ◽  
pp. 1-17
Author(s):  
WARATTAYA CHINNAKUM
Keyword(s):  
Developing Countries ◽  
Income Inequality ◽  
Low Income ◽  
Financial Services ◽  
Trade Openness ◽  
Generalized Method Of Moments ◽  
Principal Component ◽  
Financial Inclusion ◽  
Poor Households ◽  
Low Income Groups

This study investigates the impacts of financial inclusion on poverty and income inequality in 27 developing countries in Asia during 2004–2019 based on a composite financial inclusion index (FII) constructed using principal component analysis (PCA). The generalized method of moments (GMM) was employed for the estimation. The results show that financial inclusion can influence the reduction in both poverty and income inequality. The empirical findings also reveal the contribution of such control variables as economic growth in decreasing income disparity and trade openness in helping improve the standard of living of poor households despite its tendency to co-vary with income inequality. The present empirical evidence supporting the role of financial inclusion in reducing poverty and income inequality in developing countries has led to a policy implication that financial sector development should focus on the availability, usage, and depth of credit to cover all poor households or low-income groups to help improve their access to financial services, enable them to increase their income, and reduce the income gap between poor and rich households.

KONDISI EKONOMI SYARIAH DI INDONESIA PASCA MERGERNYA BANK SYARIAH BUMN

2021 ◽  
Vol 5 (1) ◽  
pp. 90-106
Author(s):  
Angga Syahputra
Keyword(s):  
Market Share ◽  
Financial Services ◽  
Qualitative Method ◽  
Economic Conditions ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Muslim Population ◽  
Banking Market ◽  
The World ◽  
Financial Transactions

Indonesia has the largest Muslim population in the world. With this amount, of course, it should be a capital for economic strength. However, as of November 2020, data released by the Financial Services Authority put the Islamic banking market share at 6.33%. Efforts to merge the three state-owned Sharia banks into Indonesian Sharia Banks are expected to increase the penetration of the sharia economy in Indonesia, which is still far behind when compared to conventional domestic economic movements and Islamic financial transactions in other countries. This research will describe the extent of the sharia economic conditions in Indonesia after the merger of state-owned sharia banks into BSI. This study uses a qualitative method with a type of literature review research which is obtained from various authentic sources such as books, articles, journals and trusted websites. There was a 2.7% increase in the market share of Islamic banks after the merger. This increase when compared to the existing potential and the market is still very small. However, it is hoped that this impact will continue to increase over time, especially as capital support for various financial sectors and the halal industry in the country.

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